CN109767200A - A kind of electric paying method, device, system and storage medium - Google Patents
A kind of electric paying method, device, system and storage medium Download PDFInfo
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- CN109767200A CN109767200A CN201811628979.1A CN201811628979A CN109767200A CN 109767200 A CN109767200 A CN 109767200A CN 201811628979 A CN201811628979 A CN 201811628979A CN 109767200 A CN109767200 A CN 109767200A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention discloses a kind of electric paying method, device, system and storage mediums, the resource overhead for accepting the terminal device of client while improving electronic payment safety, to reduce payment.The electronic fare payment system, comprising: payment receiving system accepts request message for sending e-payment to transfer platform, wherein carrying payment mechanism mark；And the jump address returned according to transfer platform sends e-payment to payment processing system and handles message, wherein carrying payment reference information；Transfer platform, for identifying jump address corresponding with payment mechanism mark is searched in the corresponding relationship between payment processing system jump address from the payment mechanism of storage after receiving the e-payment and accepting request message；The first response message is returned to payment receiving system, wherein carrying the jump address；Payment processing system, for completing e-payment according to payment reference information therein after receiving e-payment processing message.
Description
Technical field
The present invention relates to technical field of data processing more particularly to a kind of electric paying method, device, system and storage to be situated between
Matter.
Background technique
E-payment, which refers to, passes through letter payment information using safe electronic means between consumer, businessman and financial institution
It is transmitted to breath network security bank or corresponding processing mechanism, for realizing the behavior of currency payment or fund flow.
There are mainly two types of for existing electric paying method: one kind is third party's quick payment mode, and user exists in advance
User's bank account information, i.e. four element information of bank card: name, identification card number, bank card are inputted in third-party payment system
Number and cell-phone number, and to bank paying processing system request bank card binding signing, to open third party's quick payment, subsequent use
Family need to only be submitted the information such as signing number and the transaction amount of user, Xiang Yinhang in consumption and payment by third-party payment system
Payment processing system request is withholdd.Under this payment mode, third-party payment system needs to obtain user's bank account letter
Breath, be easy to cause the leakage of user account information, another is bank paying client payment mode, this payment mode
Under, each bank is respectively trade company and provides payment cash register system, and businessman needs to install the payment of different bank on the terminal device
Receiving system needs to occupy more process resource.
It can be seen that reducing installation payment how while improving the safety of electric paying method and accepting client
The resource overhead of terminal device become one of the technical problems that are urgent to solve in the prior art.
Summary of the invention
The embodiment of the present invention provides a kind of electric paying method, device, system and storage medium, to improve electronics branch
While paying safety, the resource overhead that payment accepts the terminal device of client is reduced.
In a first aspect, providing a kind of electronic fare payment system, comprising:
Receiving system is paid, accepts request message for sending e-payment to transfer platform, the e-payment is accepted
Payment mechanism mark is carried in request message；And the jump address returned according to the transfer platform is to the payment processing
System sends e-payment and handles message, carries payment reference information in the e-payment processing message；
Transfer platform, for being identified from the payment mechanism of storage after receiving the e-payment and accepting request message
The e-payment is searched in corresponding relationship between payment processing system jump address accepts the branch carried in request message
Pay the corresponding jump address of authority identification；The first response message, first response message are returned to the payment receiving system
In carry the jump address；
Payment processing system, for receive e-payment processing message after, according to payment reference information therein
Complete e-payment.
Optionally, the payment receiving system, be also used to transfer platform send e-payment accept request message it
Before, Xiang Suoshu transfer platform sends payment mechanism list query message；
The transfer platform is also used to return the of the payment mechanism list query message to the payment processing system
Two response messages, carry payment mechanism list information in second response message, in the payment mechanism list information extremely
It less include that the payment mechanism identifies.
Wherein, the payment processing system is also used to after completing e-payment, and Xiang Suoshu transfer platform returns to payment
Result notice message；
The transfer platform is also used to forward the payment result notice message to the payment receiving system.
Optionally, the payment processing system, specifically for using payment after receiving e-payment processing message
Family carries out authentication, after determining that authentication passes through, after being passed through according to payment reference information progress payment authentication
Complete e-payment.
Optionally, the payment receiving system calls branch specifically for the jump address returned according to the transfer platform
It pays and accepts the transmission e-payment processing message of payment processing system described in client.
Second aspect provides a kind of electric paying method, comprising:
It receives the e-payment that payment receiving system is sent and accepts request message, the e-payment is accepted in request message
Carry payment mechanism mark；
The electricity is searched from the corresponding relationship between the payment mechanism of storage mark and payment processing system jump address
Son payment accepts the payment mechanism carried in request message and identifies corresponding jump address；
The first response message is sent to the payment receiving system, carries in first response message and described jumps ground
Location sends e-payment to the payment processing system according to the jump address from the payment receiving system and handles message,
Payment reference information is wherein carried, e-payment is completed according to the payment reference information by the payment processing system.
Optionally, before receiving the e-payment that payment receiving system is sent and accepting request message, further includes:
Receive the payment mechanism list query message that the payment receiving system is sent；
The second response message is returned for the payment mechanism list query message to the payment processing system, described the
Payment mechanism list information is carried in two response messages, includes at least the payment mechanism in the payment mechanism list information
Mark.
Optionally, electric paying method provided in an embodiment of the present invention, further includes:
Receive the payment result notice message that the payment processing system is sent after completing e-payment；
The payment result notice message is forwarded to the payment receiving system.
The third aspect provides a kind of payment devices, comprising:
Receiving unit accepts request message, the e-payment for receiving the e-payment that payment receiving system is sent
It accepts and carries payment mechanism mark in request message；
Searching unit, for identifying the corresponding relationship between payment processing system jump address from the payment mechanism of storage
The middle lookup e-payment accepts the payment mechanism carried in request message and identifies corresponding jump address；
Response unit is taken in first response message for sending the first response message to the payment receiving system
With the jump address, electronics is sent to the payment processing system according to the jump address from the payment receiving system
Payment processing message, wherein payment reference information is carried, it is complete according to the payment reference information by the payment processing system
At e-payment.
Wherein, the receiving unit is also used to accept request message in the e-payment for receiving payment receiving system transmission
Before, the payment mechanism list query message that the payment receiving system is sent is received；
The response unit is also used to return to the payment processing system for the payment mechanism list query message
Second response message, carries payment mechanism list information in second response message, in the payment mechanism list information
It is identified including at least the payment mechanism.
Optionally, the receiving unit is also used to receive what the payment processing system was sent after completing e-payment
Payment result notice message；
The response unit is also used to forward the payment result notice message to the payment receiving system.
Fourth aspect provides a kind of computing device, including at least one processor and at least one processor, wherein
The memory is stored with computer program, when described program is executed by the processor, so that the processor executes
State either step described in electric paying method.
5th aspect, provides a kind of computer-readable medium, is stored with the computer program that can be executed by computing device,
When described program is run on the computing device, so that the computing device executes any step described in above-mentioned electric paying method
Suddenly.
Electric paying method, device, system and storage medium provided in an embodiment of the present invention pay receiving system and payment
Processing system accesses transfer platform, and when there is user to request payment, payment receiving system is by sending electronics to transfer platform
Payment accepts message request to obtain the jump address of payment processing system, sends branch to payment processing system according to jump address
Processing message is paid, e-payment is completed by payment processing system and is handled, the branch in the above process, in addition to completing e-payment processing
It pays other than processing system, transfer platform and payment receiving system are not necessarily to obtain user account information, avoid user account letter
Breath leakage, improves the safety of e-payment, and on the other hand, payment receiving system is without installing different payment processing systems
Client is accepted, to reduce the resource overhead of relevant device.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.The objectives and other advantages of the invention can be by written explanation
Specifically noted structure is achieved and obtained in book, claims and attached drawing.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present invention, constitutes a part of the invention, this hair
Bright illustrative embodiments and their description are used to explain the present invention, and are not constituted improper limitations of the present invention.In the accompanying drawings:
Fig. 1 is the structural schematic diagram of electronic fare payment system provided in an embodiment of the present invention；
Fig. 2 is the payment mechanism list query flow diagram according to embodiment of the present invention；
Fig. 3 is to pay page schematic diagram according to the order of embodiment of the present invention；
Fig. 4 is the payment mechanism list information schematic diagram presented to user according to embodiment of the present invention；
Fig. 5 is according between the payment receiving system, transfer platform and payment processing system of embodiment of the present invention
Interaction flow schematic diagram；
Fig. 6 is the authentication interface schematic diagram according to embodiment of the present invention；
Fig. 7 is the acknowledgement of orders page schematic diagram according to embodiment of the present invention；
Fig. 8 is the payment affirmation certification page schematic diagram according to embodiment of the present invention；
Fig. 9 is that the implementing procedure for the electric paying method implemented according to the transfer platform side of embodiment of the present invention is illustrated
Figure；
Figure 10 is the structural schematic diagram for the payment devices implemented according to the transfer platform side of mode of the embodiment of the present invention；
Figure 11 is the structural schematic diagram according to the computing device of embodiment of the present invention.
Specific embodiment
In order to while improving electronic payment safety, reduce the resource that installation payment accepts the terminal device of client
Expense, the embodiment of the invention provides a kind of electric paying method, device and storage mediums.
It should be noted that the terminal device in the present invention can be PC (full name in English: Personal
Computer, PC), tablet computer, personal digital assistant (Personal Digita l Assistant, PDA), personal communication
The terminal devices such as business (full name in English: PersonalCommunication Service, PCS) phone, notebook and mobile phone,
Be also possible to the computer with mobile terminal, for example, it may be portable, pocket, hand-held, built-in computer or
Vehicle-mounted mobile device, the equipment that they can provide a user voice and/or data connectivity, and handed over wireless access network
Change language and/or data.
In addition, the specification and claims in the embodiment of the present invention and the term " first " in above-mentioned attached drawing, "
Two " etc. be to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should be understood that using in this way
Data be interchangeable under appropriate circumstances, so that the embodiments described herein can be in addition to illustrating herein or describing
Sequence other than appearance is implemented.
Referenced herein " multiple or several " refer to two or more."and/or" describes affiliated partner
Incidence relation, indicate may exist three kinds of relationships, for example, A and/or B, can indicate: individualism A exists simultaneously A and B,
These three situations of individualism B.Character "/" typicallys represent the relationship that forward-backward correlation object is a kind of "or".
Below in conjunction with Figure of description, preferred embodiment of the present invention will be described, it should be understood that described herein
Preferred embodiment only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention, and in the absence of conflict, this hair
The feature in embodiment and embodiment in bright can be combined with each other.
As shown in Figure 1, it is the structural schematic diagram of electronic fare payment system provided in an embodiment of the present invention, including payment is accepted
System 101, transfer platform 102 and payment processing system 103.Wherein, payment receiving system includes that payment accepts background system i.e.
Payment accepting server and payment accept control, and payment accepts control and is integrated in trade company's applications client, payment processing system
Including payment processing background system and payment processing control, payment processing control be can integrate in payment mechanism application client
In end, for example, can integrate in the APP (application client) of each banking institution.Wherein, receiving system and payment are paid
Processing system is unified to be connect with transfer platform.
Wherein, receiving system and payment processing system are paid and transfer platform is accessed by access layer.Access way can with but
It is not limited to following access way: access via telephone line, public network access.Communication protocols between transfer platform and each mechanism processing system
View can be, but not limited to using TCP (Transmission Control Protocol, transmission control protocol) and HTTP (Hyper
Text Transport Protocol, hypertext transfer protocol) etc. communication protocols.Pay receiving system and payment processing system
The message format interacted between transfer platform can with but be limited to XML (EXtensible Markup Language, expansible mark
Remember language) format, JSON (JavaScript Object Notation, JavaScript object representation) format, 8583 lattice
Formula etc..
User is paid after payment mechanism opens account, the account information user of payment mechanism storage payment user is subsequent
E-payment, account information (such as can be bank card number), ID card No., name including user etc. are specific real
Shi Shi, user can also bind the binding relationship between account information and phone number etc. by payment mechanism applications client.
In electronic fare payment system provided in an embodiment of the present invention, receiving system is paid, for sending electronics to transfer platform
Payment accepts request message, and the e-payment, which is accepted, carries payment mechanism mark in request message；And according to described turn
The jump address for connecing platform return sends e-payment processing message, the e-payment processing report to the payment processing system
Payment reference information is carried in text；
Transfer platform, for being identified from the payment mechanism of storage after receiving the e-payment and accepting request message
The e-payment is searched in corresponding relationship between payment processing system jump address accepts the branch carried in request message
Pay the corresponding jump address of authority identification；The first response message, first response message are returned to the payment receiving system
In carry the jump address；
Payment processing system, for receive e-payment processing message after, according to payment reference information therein
Complete e-payment.
Wherein, the payment processing system calls payment specifically for the jump address returned according to the transfer platform
It accepts payment processing system described in client and sends e-payment processing message；And receive e-payment processing message it
Afterwards, authentication is carried out to payment user, after determining that authentication passes through, payment is carried out according to the payment reference information and is recognized
Card completes e-payment after.
When it is implemented, the payment receiving system, is also used to accepting request report to transfer platform transmission e-payment
Before text, Xiang Suoshu transfer platform sends payment mechanism list query message；
The transfer platform is also used to return the of the payment mechanism list query message to the payment processing system
Two response messages, carry payment mechanism list information in second response message, in the payment mechanism list information extremely
It less include that the payment mechanism identifies.
Optionally, the payment processing system is also used to after completing e-payment, and Xiang Suoshu transfer platform returns to branch
Pay result notice message；
The transfer platform is also used to forward the payment result notice message to the payment receiving system.
Implementation below in conjunction with electronic fare payment system shown in FIG. 1, to electric paying method provided in an embodiment of the present invention
Process describes in detail.
Transfer platform provided in an embodiment of the present invention may include following functions module: protocol resolution module, online process
Module, routing policy module, message package module, information service module and configuration management module.Below to each functional module
It is introduced respectively.
The major function of protocol resolution module is analysis request message, and carries out school to the legitimacy of field format in message
It tests.In the embodiment of the present invention, following several messages: payment mechanism list query message and its response message, electronics are related generally to
Payment accepts request message and its response message, the payment result notice message of payment processing system transmission, Xiang Zhifu accept and be
The payment result notice message etc. that system is sent.
The necessary field for including in the response message of payment mechanism list query message includes payment mechanism list information, branch
Paying in Institution list information should include that payment mechanism identifies, and can also include at least one of the following: payment mechanism title, payment
The icon of mechanism applications client, the marketing message of payment mechanism and brief description of payment mechanism applications client etc..
It includes payment mechanism mark that e-payment, which accepts the necessary field for including in request message, can also include payment ginseng
Examine information, wherein payment reference information can with but be limited to include at least one of the following: payment transaction serial number, payment amount, order
Single information etc..
It includes payment mechanism processing system that e-payment, which accepts the necessary field for including in the response message of request message,
Jump address, can also include payment reference information, wherein payment reference information can with but be limited to include at least one of the following: branch
Pay transaction journal number, payment amount, order information etc..
Wherein, in order to improve transfer platform and pay the safety for transmitting data between receiving system, when it is implemented, can
The data transmitted between the two to be encrypted.
The necessary field for including in the payment result notice message that payment processing system is sent includes payment result, can be with
Comprising paying reference information, wherein payment reference information can with but be limited to include at least one of the following: payment transaction serial number, branch
Pay the amount of money, order information etc..
The necessary field for including in the payment result notice message sent to payment receiving system includes payment result, may be used also
With comprising paying reference information, wherein payment reference information can with but be limited to include at least one of the following: payment transaction serial number,
Payment amount, order information etc..
In addition, in embodiments of the present invention, further relate to a message i.e. e-payment processing message, the message by pay by
Payment control in reason system is sent to the payment control in payment processing system, the necessity for including in e-payment processing message
Field includes payment reference information.In order to guarantee the safety of data transmission, the data transmitted therebetween equally can be through
It is transmitted again after crossing encryption.
The process flow for the transfer platform part of online process module being mainly used for completing in e-payment processing, specifically
It is as follows: request message is accepted according to the e-payment that protocol analysis packet parsing obtains, therefrom extracts payment mechanism mark, it is online
Processing module identifies corresponding jump address using the payment mechanism stored in payment mechanism identifier lookup database, calls report
Literary package module generates response message and returns to payment receiving system.
Online process module can be also used for payment mechanism list query process, specific as follows: according to protocol analysis message
Obtained payment mechanism list query message is parsed, the support electronics branch provided in an embodiment of the present invention stored in database is obtained
The payment mechanism list for the method for paying calls message package module to generate response message and returns to payment receiving system.
Routing policy module is mainly used for establishing communication link between transfer platform and each payment processing system.Root
According to the corresponding payment mechanism mark determination of each payment mechanism and the communication link between corresponding mechanism processing system.
Message package module is mainly used for generating the payment mechanism list interacted between transfer platform and payment accepting institution
Query message and its response message, e-payment accept request message and its response message and payment result notice message.
Configuration management module, it is (right respectively for each payment processing system of access transfer platform in the embodiment of the present invention
Answer each payment processing mechanism), unique payment mechanism mark is distributed for it, for example, the length of the authority identification can be 19,
Such as 6250210000000000001, it should be understood that said mechanism mark is given for example only, when it is implemented, can be according to reality
Border needs to be adjusted.The database of transfer platform can be stored in by configuration management module for the authority identification of each mechanism distribution
In.In addition, for the ease of management, transfer platform can also formulate the unification of each payment processing mechanism applications client jump address
Coding rule, jump address be can be to jump URL (uniform resource locator, Uniform Resource Locator) example
It such as, is the corresponding jump address of certain mechanism are as follows: 6250211000000000000: //appapy.When it is implemented, can will prop up
The corresponding relationship for paying authority identification and jump address is stored in the database of transfer platform.
Information service module is for recording use habit data of the user in e-payment, for example, for completing electricity
When son payment, payment mechanism information of selection etc..
Below for ease of description, trade company's applications client is referred to as the first applications client, claims payment mechanism application client
End is the second applications client.
In the embodiment of the present invention, the payment being integrated in the first applications client accepts control, and docking payment accepts backstage
Processing system calls the second applications client according to the jump address of acquisition in electronic payment process, can provide electronics
Entrance is paid, i.e. user accepts control by payment and initiates electronic payment requests, provides payment mechanism list and shows the function such as interface
Energy.The payment processing control being integrated in the second applications client, is docked with payment processing system, and major function includes user's body
Part certification, the confirmation of payment reference information, payment authentication and payment are withholdd.
Based on electronic fare payment system shown in FIG. 1, when it is implemented, when payment user needs to carry out e-payment, according to
The embodiment of the present invention, can be according to flow implementation shown in Fig. 2:
The first applications client installed in S21, user terminal is asked to payment processing background system to e-payment is sent
It asks.
When it is implemented, the first applications client and the second applications client can be equipped in user terminal.Wherein,
Payment is installed in one applications client and accepts control, payment processing control is installed in the second applications client.
In this step, user pays the page in the first applications client order as shown in Figure 3, selects order payment, touching
Send out the first applications client call payment accept control to payment accept background system send electronic payment requests.
S22, payment accept background system and send payment mechanism list query message to transfer platform.
S23, transfer platform accept background system to payment and return to response message.
When it is implemented, transfer platform is after receiving payment mechanism list query message, which reaches association first
Parsing module is discussed, online process module is supplied to after being parsed by protocol resolution module, online process module is from database
The payment mechanism list for obtaining the support electronic payment mode provided in an embodiment of the present invention of configuration management module configuration, calls report
Literary package module generates response message, carries payment mechanism list information in response message, in payment mechanism list information extremely
It less include that payment mechanism identifies.
S24, payment accept background system and return to payment mechanism list information to the first applications client.
In this step, payment accepts background system and returns to payment mechanism list information to the first applications client.
Payment mechanism list information is presented to user in S25, the first applications client, selects for user.
In this step, payment mechanism list information is presented to user in the first applications client installed in user terminal.Such as
Shown in Fig. 4, for the payment mechanism list information schematic diagram presented to user.The branch that user is presented according to the first applications client
Institution list information selection payment mechanism is paid to carry out e-payment.
It should be noted that when it is implemented, if the first applications client is stored with default payment knot set by user
It, can be with default choice when user selects order payment when only having a payment mechanism in structure information or payment mechanism list
The payment mechanism carries out e-payment.
When it is implemented, according to the payment mechanism that user selects from payment mechanism list, installed in user terminal
One applications client accepts background system by payment and accepts request message to transfer platform transmission e-payment, as shown in figure 5,
It is the implementation process diagram of electric paying method in the embodiment of the present invention, comprising the following steps:
S51, the first applications client accept background system transmission e-payment to payment and accept request message.
When it is implemented, according to the payment mechanism that user selects, the first applications client installed in user terminal is to branch
Pay accept background system send e-payment accept request, wherein carry payment mechanism identify.When it is implemented, electronics branch
Pay and accept and can also carry payment reference information in request message, wherein payment reference information can with but be limited to include with down toward
One item missing: payment transaction serial number, payment amount, order information etc..
S52, payment accept background system and accept request message to the payment of transfer platform forwarding electronic.
S53, transfer platform search e-payment and accept the corresponding jump address of the authority identification carried in request message.
When it is implemented, transfer platform receives after e-payment accepts request message, solved by protocol resolution module
Online process module is supplied to after analysis, online process module extracts e-payment and accepts the mark of the payment mechanism in request message,
And it searches and extracts from the corresponding relationship between the payment mechanism mark stored in database and payment processing system jump address
The corresponding jump address of authority identification, call message package module, generate e-payment and accept the response message of request message,
And it returns to payment and accepts background system.
S54, transfer platform accept background system to payment and return to response message.
Wherein, the jump address found is carried in response message.
When it is implemented, transfer platform can also be after receiving e-payment and accepting request message, to payment processing
Payment processing background system in system forwards the e-payment to accept request message, and payment processing background system record is wherein taken
The payment reference information of band, and the response message that e-payment accepts request message is returned to transfer platform.
S55, payment accept background system and forward the jump address received to the first applications client.
When it is implemented, payment accept payment in the first applications client that background system is installed into user terminal by
Reason control returns to the jump address received.
S56, the first applications client call the second applications client according to the jump address received, and apply to second
Client sends e-payment and handles message.
In this step, after the jump address that the first applications client is provided according to transfer platform, e-payment processing is generated
Message, generation e-payment processing message in include payment reference information, payment reference information can with but be limited to include following
At least one of: payment transaction serial number, payment amount, order information etc. call the second applications client, to the second application client
End sends e-payment and handles message.
When it is implemented, improving the safety of data access in order to avoid leaking data in electronic payment process, first is answered
It carries after being encrypted to payment reference information with client and is transmitted in e-payment processing message.
It should be noted that if transfer platform forwarded e-payment to payment processing background system in step S54
Request message is accepted, then in this step, the first applications client is in the e-payment processing message of transmission without carrying all
Payment reference information, it is only necessary to payment transaction serial number therein is carried, in this way, payment processing system is receiving electronics
After payment processing message, its corresponding payment amount and order information etc. are retrieved according to transaction journal number and are sent to the second application
Client is shown in the acknowledgement of orders page by the second applications client, is confirmed for user.
After S57, the second applications client carry out authentication, acknowledgement of orders and payment authentication, Xiang Zhifu accepts backstage
System sends e-payment and withholds request message.
When it is implemented, the second applications client receive e-payment processing message after, first to payment user
Carry out authentication.As shown in fig. 6, it is the authentication interface schematic diagram that the second applications client is shown.
Wherein, the mode of subscriber authentication can but be not limited in the following ways: user name password authentification, gesture password
Verifying, face verification etc., interface schematic diagram shown in Fig. 6 are gesture password verifying schematic diagram.
After subscriber authentication passes through, the second applications client jumps the display acknowledgement of orders page, as shown in fig. 7, ordering
Single confirmation page includes at least payment amount, can also include icon and order detail information of the second applications client etc..
After user confirms an order, the second applications client jumps display payment affirmation certification page, as shown in figure 8, payment authentication
Mode can but be not limited in the following ways: payment cipher certification, finger print identifying, face verification etc..Payment authentication shown in Fig. 8
The page is authenticated using payment cipher authentication mode.
After second applications client carries out authentication, acknowledgement of orders and payment authentication, Xiang Zhifu accepts background system
E-payment is sent to withhold request message, wherein carry deducted amount and can be identified for that the user identifier of user identity, it should
User identifier may include at least one of following: subscriber phone number, user account information, username, user identity card
Number etc..
S58, payment processing background system complete e-payment and withhold.
When it is implemented, payment processing background system is withholdd the user identifier carried in request message according to e-payment,
It determines user account information, and processing of withholing is completed according to deducted amount.
S59, payment processing background system send e-payment result notice message to transfer platform.
Payment processing background system is withholdd in completion after processing operation, generates e-payment result notice message, wherein take
With payment result.
S510, transfer platform accept background system to payment and forward the e-payment result notice message received.
When it is implemented, transfer platform is after receiving e-payment result notice message, by protocol resolution module solution
It is sent to online process module after analysing the message received, online process module extracts payment result therein, calls message envelope
It die-filling piece, generates to payment and accepts the e-payment result notice message that background system is sent.
Optionally, transfer platform, can also be to payment processing backstage after receiving e-payment result notice message
System returns to response message.After receiving response message, backstage can also be accepted to payment is payment processing background system
System sends e-payment rebound message, accepts background system by payment and notifies the rebound of the first applications client to the first application client
The end display page, waits payment result.
S511, payment accept background system and send e-payment result notice message to the first applications client.
First applications client according to receive e-payment result notice message to user show payment result.
Optionally, payment accepts background system after receiving e-payment result notice message, can also be to switching
The response message of platform return e-payment result notice message.
S512, the first applications client show the payment result page.
In electric paying method provided in an embodiment of the present invention, pays receiving system and payment processing system accesses switching
Platform, when have user request payment when, payment receiving system by transfer platform send e-payment accept message request with
The jump address for obtaining payment processing system sends payment processing message to payment processing system according to jump address, by paying
Processing system is completed e-payment and is handled, and in the above process, other than completing the payment processing system of e-payment processing, turns
It connects platform and payment receiving system is not necessarily to obtain user account information, avoid user account information leakage, improve electronics
The safety of payment, on the other hand, what payment receiving system was not necessarily to install different payment processing systems accepts client, to drop
The low resource overhead of relevant device.
Based on the same inventive concept, a kind of e-payment side that transfer platform side is implemented is additionally provided in the embodiment of the present invention
Method and device, since the principle that above-mentioned apparatus and equipment solve the problems, such as is similar to above-mentioned electronic fare payment system, the above method
It may refer to the implementation of electronic fare payment system with the implementation of device, overlaps will not be repeated.
As shown in figure 9, it is in the embodiment of the present invention, the implementing procedure for the electric paying method that transfer platform side is implemented shows
It is intended to, may comprise steps of:
S91, the e-payment for receiving payment receiving system transmission accept request message, wherein carrying payment mechanism mark
Know.
S92, electricity is searched from the corresponding relationship between the payment mechanism of storage mark and payment processing system jump address
Son payment accepts the payment mechanism carried in request message and identifies corresponding jump address.
S93, Xiang Zhifu receiving system send the first response message, wherein carrying the jump address found.
E-payment is sent to payment processing system according to the jump address from payment receiving system and handles message, wherein taking
With payment reference information, e-payment is completed according to the payment reference information by payment processing system.
Optionally, before receiving the e-payment that payment receiving system is sent and accepting request message, further includes:
Receive the payment mechanism list query message that the payment receiving system is sent；
The second response message is returned for the payment mechanism list query message to the payment processing system, described the
Payment mechanism list information is carried in two response messages, includes at least the payment mechanism in the payment mechanism list information
Mark.
Optionally, electric paying method provided in an embodiment of the present invention, further includes:
Receive the payment result notice message that the payment processing system is sent after completing e-payment；
The payment result notice message is forwarded to the payment receiving system.
It as shown in Figure 10, is the structural schematic diagram of payment devices provided in an embodiment of the present invention, comprising:
Receiving unit 1001 accepts request message, the electronics for receiving the e-payment that payment receiving system is sent
Payment, which is accepted, carries payment mechanism mark in request message；
Searching unit 1002, for from the payment mechanism of storage mark with it is corresponding between payment processing system jump address
The e-payment is searched in relationship accepts the corresponding jump address of payment mechanism mark carried in request message；
Response unit 1003, for sending the first response message, first response message to the payment receiving system
In carry the jump address, sent from the payment receiving system according to the jump address to the payment processing system
E-payment handles message, wherein payment reference information is carried, by the payment processing system according to the payment with reference to letter
Breath completes e-payment.
Wherein, the receiving unit 1001 is also used to accept request in the e-payment for receiving payment receiving system transmission
Before message, the payment mechanism list query message that the payment receiving system is sent is received；
The response unit 1003 is also used to the payment processing system for the payment mechanism list query message
The second response message is returned, payment mechanism list information, the payment mechanism list letter are carried in second response message
The payment mechanism is included at least in breath to identify.
Optionally, the receiving unit 1001 is also used to receive the payment processing system and sends out after completing e-payment
The payment result notice message sent；
The response unit 1003 is also used to forward the payment result notice message to the payment receiving system.
For convenience of description, above each section is divided by function describes respectively for each module (or unit).Certainly, exist
Implement to realize the function of each module (or unit) in same or multiple softwares or hardware when the present invention.
After the electric paying method and device for describing exemplary embodiment of the invention, next, introducing basis
The computing device of another exemplary embodiment of the invention.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be embodied in the following forms, it may be assumed that complete hardware embodiment, complete
The embodiment combined in terms of full Software Implementation (including firmware, microcode etc.) or hardware and software, can unite here
Referred to as circuit, " module " or " system ".
In some possible embodiments, computing device according to the present invention can include at least at least one processing
Device and at least one processor.Wherein, the memory is stored with program code, when said program code is by the processing
When device executes, so that the processor executes the electricity of the illustrative embodiments various according to the present invention of this specification foregoing description
Step in sub- method of payment.For example, the processor can execute step S91 as shown in Figure 9, reception payment accepts and is
The e-payment that system is sent accepts request message, wherein carrying payment mechanism mark and step S52, the payment machine from storage
E-payment is searched in corresponding relationship between structure mark and payment processing system jump address accept carry in request message
Payment mechanism identifies corresponding jump address；And step S93, Xiang Zhifu receiving system sends the first response message, wherein taking
With the jump address found.
The computing device 110 of this embodiment according to the present invention is described referring to Figure 11.The meter that Figure 11 is shown
Calculating device 110 is only an example, should not function to the embodiment of the present invention and use scope bring any restrictions.
As shown in figure 11, computing device 110 is showed in the form of universal computing device.The component of computing device 110 can be with
Including but not limited to: at least one above-mentioned processor 111, above-mentioned at least one processor 112, connection different system components (packet
Include memory 112 and processor 111) bus 113.
Bus 113 indicates one of a few class bus structures or a variety of, including memory bus or Memory Controller,
Peripheral bus, processor or the local bus using any bus structures in a variety of bus structures.
Memory 112 may include the readable medium of form of volatile memory, such as random access memory (RAM)
1121 and/or cache memory 1122, it can further include read-only memory (ROM) 1123.
Memory 112 can also include program/utility 1125 with one group of (at least one) program module 1124,
Such program module 1124 includes but is not limited to: operating system, one or more application program, other program modules and
It may include the realization of network environment in program data, each of these examples or certain combination.
Computing device 110 can also be communicated with one or more external equipments 114 (such as keyboard, sensing equipment etc.), also
Can be enabled a user to one or more equipment interacted with computing device 110 communication, and/or with make the computing device
The 110 any equipment (such as router, modem etc.) that can be communicated with one or more of the other calculating equipment are led to
Letter.This communication can be carried out by input/output (I/O) interface 115.Also, computing device 110 can also be suitable by network
Orchestration 116 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network, such as because of spy
Net) communication.As shown, network adapter 116 is communicated by bus 113 with other modules for computing device 110.It should
Understand, although not shown in the drawings, other hardware and/or software module can be used in conjunction with computing device 110, including but unlimited
In: microcode, device driver, redundant processor, external disk drive array, RAID system, tape drive and data
Backup storage system etc..
In some possible embodiments, the various aspects of electric paying method provided by the invention are also implemented as
A kind of form of program product comprising program code, when described program product is run on a computing device, described program
The illustrative embodiments various according to the present invention that code is used to that the computer equipment to be made to execute this specification foregoing description
Step in electric paying method, for example, the computer equipment can execute step S91 as shown in Figure 9, receive payment
The e-payment that receiving system is sent accepts request message, wherein carrying payment mechanism mark and step S52, from storage
E-payment is searched in corresponding relationship between payment mechanism mark and payment processing system jump address to accept in request message
The payment mechanism of carrying identifies corresponding jump address；And step S93, Xiang Zhifu receiving system sends the first response message,
Wherein carry the jump address found.
Described program product can be using any combination of one or more readable mediums.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example may be-but not limited to-electricity, magnetic, optical, electromagnetic, red
The system of outside line or semiconductor, device or device, or any above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes: the electrical connection with one or more conducting wires, portable disc, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The program product for e-payment of embodiments of the present invention can use the read-only storage of portable compact disc
Device (CD-ROM) and including program code, and can run on the computing device.However, program product of the invention is not limited to
This, in this document, readable storage medium storing program for executing can be any tangible medium for including or store program, which can be commanded
Execution system, device or device use or in connection.
Readable signal medium may include in a base band or as the data-signal that carrier wave a part is propagated, wherein carrying
Readable program code.The data-signal of this propagation can take various forms, including --- but being not limited to --- electromagnetism letter
Number, optical signal or above-mentioned any appropriate combination.Readable signal medium can also be other than readable storage medium storing program for executing it is any can
Read medium, the readable medium can send, propagate or transmit for by instruction execution system, device or device use or
Program in connection.
The program code for including on readable medium can transmit with any suitable medium, including --- but being not limited to ---
Wirelessly, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
The program for executing operation of the present invention can be write with any combination of one or more programming languages
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind --- including local area network (LAN) or extensively
Domain net (WAN)-be connected to user calculating equipment, or, it may be connected to external computing device (such as utilize Internet service
Provider is connected by internet).
It should be noted that although being referred to several unit or sub-units of device in the above detailed description, this stroke
It point is only exemplary not enforceable.In fact, embodiment according to the present invention, it is above-described two or more
The feature and function of unit can embody in a unit.Conversely, the feature and function of an above-described unit can
It is to be embodied by multiple units with further division.
In addition, although describing the operation of the method for the present invention in the accompanying drawings with particular order, this do not require that or
Hint must execute these operations in this particular order, or have to carry out shown in whole operation be just able to achieve it is desired
As a result.Additionally or alternatively, it is convenient to omit multiple steps are merged into a step and executed by certain steps, and/or by one
Step is decomposed into execution of multiple steps.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications can be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
Claims (13)
1. a kind of electronic fare payment system characterized by comprising
Receiving system is paid, accepts request message for sending e-payment to transfer platform, the e-payment accepts request
Payment mechanism mark is carried in message；And the jump address returned according to the transfer platform is to the payment processing system
It sends e-payment and handles message, carry payment reference information in the e-payment processing message；
Transfer platform, for identifying and propping up from the payment mechanism of storage after receiving the e-payment and accepting request message
It pays in the corresponding relationship between processing system jump address and searches the e-payment and accept the payment machine carried in request message
Structure identifies corresponding jump address；The first response message is returned to the payment receiving system, is taken in first response message
With the jump address；
Payment processing system, for being completed according to payment reference information therein after receiving e-payment processing message
E-payment.
2. the system as claimed in claim 1, which is characterized in that
The payment receiving system is also used to before sending e-payment to transfer platform and accepting request message, to described turn
It connects platform and sends payment mechanism list query message；
The transfer platform is also used to return to the second of the payment mechanism list query message to the payment processing system and answer
Message is answered, payment mechanism list information is carried in second response message, is at least wrapped in the payment mechanism list information
Include the payment mechanism mark.
3. the system as claimed in claim 1, which is characterized in that
The payment processing system is also used to after completing e-payment, and Xiang Suoshu transfer platform returns to payment result notice
Message；
The transfer platform is also used to forward the payment result notice message to the payment receiving system.
4. the system as claimed in claim 1, which is characterized in that
The payment processing system, specifically for carrying out identity to payment user after receiving e-payment processing message
Verifying after determining that authentication passes through, carries out payment authentication according to the payment reference information and completes electronics branch after
It pays.
5. the system as claimed in claim 1, which is characterized in that
The payment receiving system calls payment to accept client specifically for the jump address returned according to the transfer platform
The payment processing system is held to send e-payment processing message.
6. a kind of electric paying method characterized by comprising
It receives the e-payment that payment receiving system is sent and accepts request message, the e-payment, which is accepted in request message, to be carried
There is payment mechanism mark；
The electronics branch is searched from the corresponding relationship between the payment mechanism of storage mark and payment processing system jump address
It pays the payment mechanism for accepting and carrying in request message and identifies corresponding jump address；
The first response message is sent to the payment receiving system, carries the jump address in first response message,
E-payment is sent to the payment processing system according to the jump address from the payment receiving system and handles message, wherein
Payment reference information is carried, e-payment is completed according to the payment reference information by the payment processing system.
7. method as claimed in claim 6, which is characterized in that accept and ask in the e-payment for receiving payment receiving system transmission
Before seeking message, further includes:
Receive the payment mechanism list query message that the payment receiving system is sent；
The second response message is returned to for the payment mechanism list query message to the payment processing system, described second answers
It answers and carries payment mechanism list information in message, the payment mechanism mark is included at least in the payment mechanism list information
Know.
8. method according to claim 6 or 7, which is characterized in that further include:
Receive the payment result notice message that the payment processing system is sent after completing e-payment；
The payment result notice message is forwarded to the payment receiving system.
9. a kind of payment devices characterized by comprising
Receiving unit accepts request message for receiving the e-payment that payment receiving system is sent, and the e-payment is accepted
Payment mechanism mark is carried in request message；
Searching unit, for being looked into from the corresponding relationship between the payment mechanism of storage mark and payment processing system jump address
It looks for the e-payment to accept the payment mechanism carried in request message and identifies corresponding jump address；
Response unit carries in first response message for sending the first response message to the payment receiving system
The jump address sends e-payment to the payment processing system according to the jump address from the payment receiving system
Message is handled, wherein carrying payment reference information, electricity is completed according to the payment reference information by the payment processing system
Son payment.
10. device as claimed in claim 9, which is characterized in that
The receiving unit is also used to before receiving the e-payment that payment receiving system is sent and accepting request message, receives
The payment mechanism list query message that the payment receiving system is sent；
The response unit is also used to return to second for the payment mechanism list query message to the payment processing system
Response message, carries payment mechanism list information in second response message, in the payment mechanism list information at least
It is identified including the payment mechanism.
11. the device as described in claim 9 or 10, which is characterized in that
The receiving unit is also used to receive the payment result notice that the payment processing system is sent after completing e-payment
Message；
The response unit is also used to forward the payment result notice message to the payment receiving system.
12. a kind of computing device, which is characterized in that including at least one processor and at least one processor, wherein institute
It states memory and is stored with computer program, when described program is executed by the processor, so that the processor perform claim
It is required that the step of 7,8 or 9 the method.
13. a kind of computer-readable medium, which is characterized in that it is stored with the computer program that can be executed by computing device, when
When described program is run on the computing device, so that the step of computing device perform claim requires 7,8 or 9 the method.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811628979.1A CN109767200B (en) | 2018-12-28 | 2018-12-28 | Electronic payment method, device, system and storage medium |
| PCT/CN2019/117272 WO2020134654A1 (en) | 2018-12-28 | 2019-11-11 | Electronic payment method, apparatus and system and storage medium |
| TW108147031A TWI778314B (en) | 2018-12-28 | 2019-12-20 | An electronic payment method, device, system and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811628979.1A CN109767200B (en) | 2018-12-28 | 2018-12-28 | Electronic payment method, device, system and storage medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN109767200A true CN109767200A (en) | 2019-05-17 |
| CN109767200B CN109767200B (en) | 2023-07-14 |
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| CN201811628979.1A Active CN109767200B (en) | 2018-12-28 | 2018-12-28 | Electronic payment method, device, system and storage medium |
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| Country | Link |
|---|---|
| CN (1) | CN109767200B (en) |
| TW (1) | TWI778314B (en) |
| WO (1) | WO2020134654A1 (en) |
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| JP2022536550A (en) * | 2019-12-31 | 2022-08-17 | ネッツユニオン クリアリング コーポレーション | Payment processing methods, devices and systems |
| JP7150212B2 (en) | 2019-12-31 | 2022-10-07 | ネッツユニオン クリアリング コーポレーション | Payment processing methods, devices and systems |
| US12020221B2 (en) | 2019-12-31 | 2024-06-25 | Netsunion Clearing Corporation | Payment processing method, device and system |
| CN112396409A (en) * | 2020-11-27 | 2021-02-23 | 中国银联股份有限公司 | Digital resource account binding method, device, equipment and medium |
Also Published As
| Publication number | Publication date |
|---|---|
| TW202026980A (en) | 2020-07-16 |
| TWI778314B (en) | 2022-09-21 |
| CN109767200B (en) | 2023-07-14 |
| WO2020134654A1 (en) | 2020-07-02 |
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