CN109961293A

CN109961293A - Business method of payment, system, device, server and storage medium

Info

Publication number: CN109961293A
Application number: CN201910202255.9A
Authority: CN
Inventors: 谢向宇; 姜永胜; 李由
Original assignee: Shenzhen Emperor Technology Co Ltd
Current assignee: Shenzhen Emperor Technology Co Ltd
Priority date: 2019-03-18
Filing date: 2019-03-18
Publication date: 2019-07-02

Abstract

The embodiment of the invention discloses a kind of business method of payment, system, device, intermediate server and computer-readable mediums, and wherein method includes: first identification information of the self-help terminal equipment according to service generation to be paid for payment；Handheld device obtains the first identification information by barcode scanning, is sent to intermediate server；Intermediate server parses the first identification information, generates the service order payment request of corresponding business to be paid, is sent to trading server；Trading server is requested to handheld device transmission service payment affirmation, receives the payment affirmation information that handheld device returns, and generates transaction results information；Intermediate server generates corresponding second identification information and is sent to handheld device according to transaction results information update business to be paid；Self-help terminal equipment receives the second identification information of input, treats processing business and is handled.Using the embodiment of the present invention, the success rate of the business payment based on self-help terminal equipment can be improved.

Description

Business payment method, system, device, server and storage medium

Technical Field

The invention relates to the technical field of self-service terminal equipment and the technical field of internet, in particular to a service payment method, a service payment system, a service payment device, an intermediate server and a computer readable storage medium based on the self-service terminal equipment.

Background

With the development of computer technology, various self-service terminal devices replace manual windows to conduct business handling, for example, sign-out self-service terminal devices in hong Kong and Macau bring great convenience to users in sign-out business.

For self-service terminal equipment such as sign-out self-service terminal equipment in port and australia, payment of expenses can be involved in the process of handling multiple services (such as sign-out), and the payment modes of the self-service terminal equipment, bank cards and cash are more. The uniqueness of services such as endorsements leads to very high requirements on system security, so that most self-service terminal devices operate in an intranet such as a public security system, but when payment is performed through a bank card, WeChat, Payment treasure and the like, an extranet needs to be accessed, and when the extranet needs to be accessed, network problems such as a network gate (a security isolation network gate) are solved through special devices and software. That is to say, in the related art, the payment part of the service transaction of the self-service terminal device needs to perform interaction between the internal network and the external network through the gateway, so as to complete the payment transaction.

Under the existing payment network, a general gateway is unstable or has other faults, and all self-service terminal devices in the whole system cannot complete payment within corresponding time, so that business handling cannot be smoothly carried out. In addition, once the gatekeeper is unstable or has other faults, the problem of payment in the whole area or all the services can be caused, the efficiency of service transaction is too low, and the success rate of service payment is insufficient.

That is to say, the situation that the gatekeeper is unstable exists in the service payment process of the existing self-service terminal device, so that the success rate of service payment is insufficient.

Disclosure of Invention

Based on the above, the invention provides a service payment method, a system, a device, an intermediate server and a computer readable storage medium based on self-service terminal equipment, which can reduce the probability of payment failure caused by unstable network/network gate in the service payment process based on the self-service terminal equipment, thereby improving the success rate of service payment and the success rate of service handling based on the self-service terminal equipment.

In a first aspect of the present invention, there is provided a service payment method applied to an intermediate server, including:

receiving first identification information sent by a handheld device, wherein the first identification information is identification information generated by a self-service terminal device and used for payment, and the first identification information is acquired by the handheld device from the self-service terminal device through code scanning;

analyzing the first identification information, generating a service order payment request of the service to be paid corresponding to the first identification information, and sending the service order payment request to a transaction server;

acquiring transaction result information returned by a transaction server, wherein the transaction result information comprises an order transaction state, and the order transaction state comprises successful payment;

under the condition that the order transaction state is successful, updating the service to be paid according to transaction result information, and generating second identification information corresponding to the transaction result information;

and sending the second identification information to the handheld device so that the self-service terminal device receives the input second identification information to confirm the service to be paid.

Optionally, after the step of analyzing the first identification information, the method further includes:

carrying out validity check on the analyzed first identification information;

and under the condition that the validity check is successful, executing the step of generating a service order payment request of the service to be paid corresponding to the first identification information.

Optionally, after the step of receiving the first identification information sent by the handheld device, the method further includes:

and identifying a system identification corresponding to the first identification information, and determining a transaction server corresponding to the system identification according to the system identification.

Optionally, after the step of generating a service order payment request of the service to be paid corresponding to the first identification information, the method further includes:

sending the service order payment request to the handheld device;

receiving a transaction channel selection instruction input aiming at the service order payment request, determining a transaction server corresponding to the transaction channel selection instruction, and executing the step of sending the service order payment request to the transaction server.

Optionally, after the step of generating a service order payment request for the service to be paid corresponding to the first identification information and sending the service order payment request to the transaction server, the method further includes:

and sending a call-up signal to the handheld device according to the request of the transaction server so that the handheld device acquires payment confirmation information input aiming at the service payment confirmation request and sends the payment confirmation information to the transaction server.

Optionally, the step of analyzing the first identification information further includes:

and decrypting the first identification information, and analyzing the decrypted first identification information.

Optionally, after the step of updating the service to be paid according to the transaction result, the method further includes:

and encrypting the transaction result information to generate second identification information corresponding to the transaction result information.

In a second aspect of the present invention, there is provided a service payment method, including:

the self-service terminal equipment generates first identification information for payment according to the service to be paid;

the handheld device acquires first identification information from the self-service terminal device through code scanning and sends the first identification information to the intermediate server;

the method comprises the steps that an intermediate server receives first identification information sent by a handheld device, analyzes the first identification information, generates a service order payment request of a service to be paid corresponding to the first identification information, and sends the service order payment request to a transaction server;

the transaction server pushes a business payment confirmation request to the handheld device according to a business order payment request, receives payment confirmation information which is returned by the handheld device and input aiming at the business payment confirmation request, and generates transaction result information according to the payment confirmation information, wherein the transaction result information comprises an order transaction state, and the order transaction state comprises payment success;

the intermediate server acquires the transaction result information from the transaction server, updates the service to be paid according to the transaction result information, generates second identification information corresponding to the transaction result information, and sends the second identification information to the handheld device, wherein the second identification information can contain part of the transaction result information;

and the self-service terminal equipment receives the input second identification information and processes the service to be processed according to the received second identification information.

Optionally, after the step of receiving, by the intermediate server, the first identification information sent by the handheld device and analyzing the first identification information, the method further includes:

the intermediate server carries out validity check on the analyzed first identification information;

Optionally, the step of generating, by the self-service terminal device, first identification information for payment according to a service to be paid further includes:

the self-service terminal equipment encrypts the updated service to be paid to generate first identification information for payment;

the step that the handheld device obtains first identification information from the self-service terminal device through code scanning further comprises: the handheld device acquires first identification information from the self-service terminal device through code scanning and decrypts the first identification information;

or,

the step of the intermediate server receiving the first identification information sent by the handheld device and analyzing the first identification information further comprises: and the intermediate server decrypts the first identification information and analyzes the decrypted first identification information.

Optionally, after the step of updating, by the intermediate server, the service to be paid according to the transaction result information and generating second identification information corresponding to the service to be paid, the method further includes:

and the intermediate server encrypts the transaction result information to generate second identification information corresponding to the transaction result information.

Optionally, the step of the transaction server pushing a service payment confirmation request to the handheld device according to the service order payment request, and receiving payment confirmation information input by the handheld device for the service payment confirmation request includes:

the transaction server pushes a business payment confirmation request to the intermediate server according to the business order payment request;

the intermediate server sends a call signal to the handheld device according to the service order payment request so as to call the handheld device;

and the handheld equipment acquires payment confirmation information input aiming at the service payment confirmation request and sends the payment confirmation information to the transaction server.

Optionally, after the step of generating, by the intermediate server, a service order payment request of the service to be paid corresponding to the first identification information, the method further includes:

the intermediate server sends the service order payment request to the handheld device;

the handheld device receives a transaction channel selection instruction input aiming at the service order payment request, and determines a transaction server corresponding to the transaction channel selection instruction;

and the intermediate server sends the service order payment request to a transaction server.

In a third aspect of the present invention, a service payment system is further provided, where the system includes a handheld device, a self-service terminal device, an intermediate server, and a transaction server;

wherein,

the self-service terminal equipment is used for generating first identification information for payment according to the service to be paid;

the handheld device is used for acquiring first identification information from the self-service terminal device through code scanning and sending the first identification information to the intermediate server;

the intermediate server is used for receiving first identification information sent by the handheld device, analyzing the first identification information, generating a service order payment request of a service to be paid corresponding to the first identification information, and sending the service order payment request to the transaction server;

the transaction server is used for pushing a service payment confirmation request to the handheld device according to a service order payment request, receiving payment confirmation information which is returned by the handheld device and input aiming at the service payment confirmation request, and generating transaction result information according to the payment confirmation information, wherein the transaction result information comprises an order transaction state, and the order transaction state comprises payment success;

the intermediate server is further configured to obtain the transaction result information from the transaction server, update the service to be paid according to the transaction result information, generate second identification information corresponding to the transaction result information, and send the second identification information to the handheld device, where the second identification information may include part of the transaction result information;

the self-service terminal equipment is also used for receiving input second identification information and processing the service to be processed according to the received second identification information.

Optionally, the intermediate server is further configured to identify a system identifier corresponding to the first identification information, and determine, according to the system identifier, a transaction server corresponding to the system identifier.

Optionally, the intermediate server is further configured to send an evoking signal to the handheld device according to the request of the transaction server, so that the handheld device obtains payment confirmation information input for the service payment confirmation request and sends the payment confirmation information to the transaction server.

Optionally, the self-service terminal device is further configured to generate encrypted first identification information for payment;

the handheld device is further used for acquiring first identification information from the self-service terminal device through code scanning and decrypting the first identification information;

or,

the intermediate server is further configured to decrypt the first identification information, and analyze the decrypted first identification information.

Optionally, the intermediate server is further configured to encrypt the transaction result information, and generate second identification information corresponding to the transaction result information.

In a fourth aspect of the present invention, a service payment apparatus is further provided, including:

the self-service terminal equipment comprises a first identification information receiving module, a first identification information processing module and a second identification information processing module, wherein the first identification information receiving module is used for receiving first identification information sent by handheld equipment, the first identification information is identification information used for payment and generated by the self-service terminal equipment, and the first identification information is acquired by the handheld equipment from the self-service terminal equipment through code scanning;

the first identification information analysis module is used for analyzing the first identification information, generating a service order payment request of the service to be paid corresponding to the first identification information, and sending the service order payment request to the transaction server;

the business payment module is used for acquiring transaction result information returned by the transaction server, wherein the transaction result information comprises an order transaction state, and the order transaction state comprises payment success; under the condition that the order transaction state is payment success, updating the service to be paid according to transaction result information, and generating second identification information corresponding to the transaction result information, wherein the second identification information can comprise part of the transaction result information;

and the service processing module is used for sending the second identification information to the handheld device so that the self-service terminal device receives the input second identification information to confirm the service to be paid.

In the fifth aspect of the present invention, there is also provided an intermediate server, comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the steps of:

In the sixth aspect of the present invention, a computer-readable storage medium is also presented, in which a computer program is stored, which, when executed by a processor, causes the processor to perform the steps of:

The embodiment of the invention has the following beneficial effects:

after the self-service terminal equipment-based service payment method, the system, the device, the intermediate server and the computer-readable storage medium are adopted, when a user transacts services needing payment such as sign and the like through the self-service terminal equipment, the self-service terminal equipment only needs to generate identification information for payment, the user performs code scanning payment on the identification information through payment software on handheld equipment such as a smart phone and the like or intermediate application of service transaction, then the identification information for payment is decrypted, analyzed and verified through being linked to the intermediate server, a corresponding service order is generated and sent to a transaction server corresponding to the service payment, the transaction server completes a corresponding transaction process, information related to a transaction result is generated and returned to the intermediate server, and the intermediate server updates the service order after receiving the related information such as the transaction result and the like, and generating identification information for confirmation and sending the identification information to the handheld device, inputting the identification information into the self-service terminal device by a user in a code scanning and keyboard input mode, determining whether a service order is paid by the self-service terminal device according to the identification information, and then performing corresponding service processing to complete a service handling process. That is to say, after the service payment method, the service payment system, the intermediate server and the storage medium in this embodiment are adopted, the intermediate server is used for processing the service payment in the service handling process, and the service payment system is used for communicating the self-service terminal device with the smart phone and the transaction server for payment, and the payment in the service handling process does not need to be carried out through the gateway, so that the condition that the payment cannot be carried out due to instability of the gateway is avoided, and the success rate of the service payment and the success rate of the service handling are improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

Wherein:

fig. 1 is a schematic structural diagram of a service payment system based on a self-service terminal device in one embodiment;

FIG. 2 is a schematic flow chart illustrating a method for service payment based on a self-service terminal device according to an embodiment;

FIG. 3 is a flow diagram illustrating a business payment method applied to an intermediate server in one embodiment;

FIG. 4 is a flowchart illustrating an implementation of step S24 according to an embodiment;

FIG. 5 is a flowchart illustrating an implementation of step S24 according to an embodiment;

FIG. 6 is a schematic diagram of the structure of a service payment device in one embodiment;

FIG. 7 is a schematic diagram of the structure of a service payment device in one embodiment;

fig. 8 is a schematic structural diagram of a computer device for operating the above application to the intermediate server in one embodiment.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In the embodiment, a service payment method and a service payment system based on self-service terminal equipment are particularly provided.

As shown in fig. 1, the self-service terminal device based business payment system 10 includes a handheld device 11, a self-service terminal device 12, an intermediate server 13 and a transaction server 14.

The handheld device 11 is a terminal device such as a smart phone, and a user can perform code scanning operation and payment operation through the handheld device, for example, a camera of the mobile phone identifies a two-dimensional code displayed on other devices, or the two-dimensional code is displayed on a screen of the mobile phone for the other devices to scan the code; the user may also obtain relevant information via the display of the handheld device, e.g. learn the information presented on the display.

The self-service terminal device 12 is a service handling terminal, such as a port and australian endorsement self-service terminal or other service handling terminals, on which self-service handling of various services is possible on the self-service terminal device 12, and in which payment of fees is required for part of the services. In this embodiment, the self-service terminal device 12 not only supports common payment methods such as cash or bank card, but also supports payment methods such as WeChat payment or Payment, and in a specific embodiment, when payment is performed by using WeChat or Payment, a code scanning payment method may be performed, for example, by using WeChat or Payment APP or a small program.

The transaction server 14 is a server for performing transaction payment in an external network, for example, the transaction server 14 is a transaction server corresponding to WeChat payment or a transaction server corresponding to Payment Pa. When the user scans the code through the corresponding APP on the handheld terminal, the user can be linked to the corresponding transaction server to perform specific payment operation.

Compared with the prior art, the service payment system provided in this embodiment further includes an intermediate server 13, the intermediate server processes the service to be paid generated by the self-service terminal device through a pre-established program, and replaces devices such as a service transaction of the original self-service terminal device and a gatekeeper in the payment system to perform internal and external network interaction in the payment process, that is, data interaction is performed between the self-service terminal device and the transaction server through the intermediate server 13.

Specifically, as shown in fig. 2, in an embodiment, an interaction diagram of a service payment method based on a self-service terminal device is provided.

As shown in fig. 2, the service payment method based on the self-service terminal device includes the following steps:

step S1: the self-service terminal equipment generates first identification information for payment according to the service to be paid.

When a user transacts business through the self-service terminal equipment, if the current business needs to pay the cost, a corresponding business payment process is carried out.

The self-service terminal equipment generates first identification information for payment according to a service to be paid, which needs to be paid, wherein the first identification information can be in the form of a two-dimensional code, a bar code or a multi-dimensional code, and is preferably a two-dimensional code; the first identification information includes service information corresponding to a service to be paid, such as a service number (or an order number), a payment amount, and/or a device number of a self-service terminal device that performs service processing and payment.

In a specific embodiment, when business payment is needed, the first identification information is displayed on the self-service terminal equipment so that a user can perform code scanning payment. In another embodiment, after the user selects a corresponding payment method on the self-service terminal device, for example, the payment method identified by code scanning is selected, the first identification information is displayed on the self-service terminal device for the user to pay by code scanning.

After the self-service terminal device generates the first identification information for payment, the first identification information is displayed on a display device of the self-service terminal device, so that a user can use the handheld device to perform code scanning payment.

Step S2: and the handheld device acquires first identification information from the self-service terminal device through code scanning and sends the first identification information to the intermediate server.

The user can scan the first identification information displayed on the display device of the self-service terminal equipment through the handheld equipment, so that the first identification information is obtained, and the first identification information is linked to the intermediate server through accessing the first identification information.

In a specific embodiment, the user scans the first identification information through an intermediate application corresponding to the intermediate server on the smart phone, so as to acquire and identify the first identification information, and further processes the service to be paid corresponding to the first identification information. In this embodiment, the intermediate application corresponding to the intermediate server is used to perform corresponding code scanning and payment operations, because the intermediate application is also linked to the intermediate server, data between the intermediate application and the intermediate server can be directly synchronized, for example, data synchronization is performed through a service number of a service to be paid; that is to say, when the intermediate server issues the data to the handheld device, the intermediate server may update the data only on the intermediate server and trigger the data synchronization operation, so that the data security problem and the data error and leakage problem caused by data interaction among multiple systems can be avoided.

In another specific embodiment, the user scans and identifies the first identification information through the payment applications such as the payment treasure and the WeChat on the smart phone, so that the user enters into an applet or an APP corresponding to the intermediate server of the payment applications such as the payment treasure and the WeChat, and processes the service to be paid in the applet or the APP.

Step S3: and the intermediate server analyzes the first identification information.

After receiving the first identification information acquired by the handheld device through code scanning, the intermediate server identifies the first identification information and analyzes the first identification information to acquire the relevant information of the service order included in the first identification information.

It should be noted that, in this embodiment, the first identification information generated by the self-service terminal device is the encrypted first identification information, so as to avoid that any other device can obtain the relevant information in the identification information, and improve the security of service payment. And, the encrypted first identification information is in an encoding format that can be recognized by the intermediate server.

When the first identification information is encrypted, the first identification information needs to be decrypted before being analyzed. In one embodiment, after the intermediate server obtains the first identification information, the intermediate server decrypts the first identification information through a preset decryption algorithm, and then analyzes the decrypted first identification information to perform corresponding service processing. In another embodiment, the process of decrypting the first identification information may also be performed on the handheld device, that is, in step S2, after the handheld device acquires the first identification information from the self-service terminal device by scanning the code, the handheld device decrypts the first identification information by using a preset decryption algorithm, and then sends the decrypted first identification information to the intermediate server, so that the intermediate server performs corresponding business processing after receiving the first identification information.

In this embodiment, the encryption method for the first identification information may be an encryption method such as symmetric encryption or asymmetric encryption (RSA), but is not limited in this embodiment.

Specifically, taking an asymmetric encryption manner as an example, when the first identification information is encrypted, the self-service terminal device encrypts the first identification information through a private key a1, and the handheld device or the intermediate server decrypts the encrypted first identification information through a public key a2 corresponding to the private key a 1.

Before the intermediate server parses the first identification information, the client that scans the code of the handheld device needs to be identified to determine which transaction system needs to be paid currently.

Specifically, step S3: before the intermediate server analyzes the first identification information, the method further includes: and the intermediate server identifies a system identifier corresponding to the first identification information, and determines a transaction server corresponding to the system identifier according to the system identifier.

For example, when a user performs code scanning recognition through a wechat client on a handheld device, a corresponding system identifier is a wechat system identifier; when a user scans a code through a pay bank client on the handheld device, the corresponding system identifier is the pay bank system identifier. That is, when the client under one system performs code scanning identification of the first identification information, the intermediate server receives the first identification information sent by the handheld device, and also receives the system identifier sent by the first identification information, so as to determine the transaction server currently performing payment. That is to say, when being applicable to the user and scanning the code payment through little letter or precious APP or applet of payment, send first identification information to intermediate server, the system that the APP or the applet that send this first identification information correspond is the transaction server that carries out the payment that corresponds in this embodiment.

For example, when scanning a code by an application such as WeChat or Payment Bank, it is necessary to identify which application the code scanning process is performed by, and thereby determine which transaction system the payment transaction is processed by. For example, when the first identification information is scanned by wechat scanning, the corresponding system identifier corresponds to the wechat transaction server, and the transaction server in the subsequent process is also the transaction server corresponding to the wechat.

Further, after the first identification information is analyzed, specific service processing can be performed according to the analyzed first identification information. In this embodiment, in order to improve the security of the service payment, the validity of the first identification information needs to be checked, and only when the validity check passes, the further service payment process is continued.

Specifically, step S3: after the intermediate server analyzes the first identification information, the method further includes: carrying out validity check on the analyzed first identification information; under the condition that the validity check is successful, executing the step of sending the service order payment request for generating the service to be paid corresponding to the first identification information to a transaction server; and generating prompt information and sending the prompt information to the handheld equipment under the condition that the validity check fails.

That is to say, under the condition that the validity check fails, the specific processing of the service payment is not performed, so that the possibility that the related data is tampered in the process of the service processing is avoided, and the security of the service payment is further improved.

Step S4: and the intermediate server generates a service order payment request of the service to be paid corresponding to the first identification information and sends the service order payment request to the transaction server.

After the first identification information is decrypted and analyzed, a service order corresponding to the service to be paid is generated, and a payment request (i.e. a service order payment request) is initiated to the transaction server, so that the transaction server can process the corresponding service order accordingly.

In another embodiment, the determination of the transaction server may also be by other means, as previously described.

Specifically, the user may scan the first identification information through an intermediate Application (APP) corresponding to the intermediate server, and perform service payment for the service to be paid in the intermediate application. In this case, after the intermediate server generates the service order payment request corresponding to the service to be paid, the user is also required to select a corresponding payment method. That is, the intermediate server sends a service order payment request to the handheld device (may be synchronized to the intermediate application through an order), and then the user selects a corresponding payment method on a processing page of the service to be paid, for example, selects one of payment methods such as WeChat, Payment treasure, and bank card as a final payment method, and the intermediate application may determine the corresponding transaction server according to the final payment method. And sending/synchronizing the determined identity corresponding to the transaction server to the intermediate server.

In another embodiment, after the intermediate server generates the service order payment request, the corresponding service order is synchronized to the handheld device, so that the user can process the service order on the handheld device, for example, whether to determine to make a payment or select a corresponding payment channel.

That is to say, in this embodiment, the process of completing the payment of the service to be paid by the user through scanning the first identification information by the handheld device is performed through the intermediate application corresponding to the intermediate server, and the user may select a corresponding payment channel in the intermediate application. That is, the user may input a corresponding transaction channel selection instruction for the service order payment request on the handheld device, and then determine the transaction server corresponding to the instruction, so that the intermediate server determines the transaction server and transmits the service order payment request to the transaction server.

That is, in the application allowing multiple payment methods, the user can select the most convenient payment method according to the requirement, thereby further improving the success rate of service payment.

Step S5: the transaction server generates a service payment confirmation request according to the service order payment request and pushes the service payment confirmation request to the handheld device;

step S6: and the handheld equipment receives payment confirmation information input aiming at the business payment confirmation request and sends the payment confirmation information to the transaction server.

After receiving the service order payment request, the transaction server parses the service order payment request, generates a service payment confirmation request according to the service order payment request, and pushes the service payment confirmation request to the handheld device, so that the user can perform payment confirmation through the handheld device (for example, perform payment confirmation through a payment key).

In a specific embodiment, the transaction server generates the service payment confirmation request not to be directly pushed to the handheld device, but to invoke the handheld device through the intermediate server, that is, in case of requiring the handheld device to perform payment confirmation, an invoking signal is sent to the handheld device through the intermediate server, so as to perform the relevant operation of corresponding service payment confirmation. That is, the transaction server sends the service payment confirmation request to the intermediate server, and then the intermediate server invokes a payment client (e.g., WeChat APP, Paibao APP, etc.) on the code scanning terminal, the handheld device performs service payment confirmation after receiving the service payment confirmation request, inputs payment confirmation information (e.g., a payment key, etc.), and the handheld device forwards the payment confirmation information input by the user to the transaction server after receiving the payment confirmation information, so that the transaction server performs verification and processing on the payment confirmation information.

Step S7: and the transaction server generates transaction result information according to the payment confirmation information.

And the transaction server verifies the payment confirmation information input by the user through the handheld device, processes the service order and then generates transaction result information. For example, the transaction result information includes the order transaction states of payment success and payment failure (which may also include other order transaction states such as payment suspension and payment exception), and also includes a service number and an amount corresponding to the payment service, and in this embodiment, the transaction result information also includes a corresponding self-service terminal number and/or a corresponding payment terminal (a handheld device number/account number for performing payment).

Step S8: and the intermediate server updates the service to be paid according to the transaction result information.

After the payment is successful or the payment is failed, the service to be paid can be updated according to the transaction result information of the payment success or the payment failure, for example, the state of the service to be paid is updated, and when the payment is successful, the service to be paid is updated.

Step S9: and the intermediate server generates second identification information corresponding to the transaction result information and sends the second identification information to the handheld equipment.

After the payment is completed and the state of the service to be paid is updated, the intermediate server needs to generate second identification information for identification again, where the second identification information at least includes transaction result information of the service to be paid and related information such as state information of the service to be paid, which is updated according to the transaction result information. In this embodiment, the second identification information includes information such as transaction result information, and the information included in the second identification information may be acquired by scanning a two-dimensional code or by extracting information from the second identification information.

It should be noted that, in this embodiment, in order to ensure the security of the service payment, the process of generating the second identification information needs to be further encrypted. That is, the process of the intermediate server generating the second identification information corresponding to the service to be paid is as follows: and encrypting the updated transaction result information, or selecting one or more items of information for encryption according to different service scenes, and when the payment is successful and the service to be paid is updated to the paid service, encrypting one or more items of information in the paid service to generate second identification information corresponding to the transaction result information. It should be noted that the second identification information may include one or more service information corresponding to the transaction result information of the service to be paid, as long as the self-service terminal device can confirm the payment information after identifying the service information, for example, the service number, the payment amount, the service order status, and the like. And the encrypted second identification information is in a coding format which can be identified by the self-service terminal equipment, such as a two-dimensional code, a bar code or other coding formats.

In this embodiment, the encryption method for generating the second identification information may be the same as the encryption method in the first identification information generation process, corresponding to the decryption method of the first identification information. In another optional embodiment, the encryption method for generating the second identification information may also be different from the encryption method in the generation process of the first identification information, and may be specifically set according to system requirements, so as to improve flexibility of encryption and decryption of the identification information.

Taking the asymmetric encryption manner as an example, the intermediate server generates the second identification information encrypted according to the private key B1, and the self-service terminal device decrypts the encrypted second identification information through the public key B2 corresponding to the private key B1. In addition, after the payment is successful, when the payment is processed in an encryption mode, the second identification information may not include the order transaction state, for example, the intermediate server encrypts the order information and the transaction amount into a string of numbers, the self-service terminal device acquires the string of numbers in a code scanning identification or user input receiving mode and decrypts the string of numbers, and then checks part of the order information (such as the order number) to confirm that the payment is completed.

After the intermediate server generates second identification information that can be used for identification, the second identification information is sent to the handheld device.

Step S10: and the self-service terminal equipment receives the input second identification information.

And after receiving the second identification information, the handheld device displays the second identification information on a display device of the second identification information. And then the self-service terminal equipment acquires second identification information displayed on the handheld equipment through the camera equipment. That is, the user is placed in the scanning area of the self-service terminal device through the handheld device, and then the self-service terminal device identifies the second identification information.

In another optional embodiment, information (e.g., text) corresponding to the second identification information may be displayed on a display interface of the handheld device, so that the user may know the information corresponding to the second identification information, and thus the second identification information is input on the self-service terminal device through a soft keyboard or a keyboard, so that the self-service terminal device may obtain specific content of the second identification information.

Step S11: the self-service terminal equipment identifies the second identification information;

step S12: and the self-service terminal equipment performs service processing according to the result of identifying the second identification information to generate a service processing result.

After the self-service terminal device scans the second identification information, the self-service terminal device analyzes the information contained in the second identification information, then performs service processing corresponding to the service to be paid according to the analyzed result (the first identification information and the service to be paid can correspond to each other according to a service number and the like), and generates a service processing result. It should be noted that, in the case that the second identification information is encrypted, after the self-service terminal device acquires the second identification information, the self-service terminal device further needs to decrypt the second identification information, and then analyze the decrypted second identification information.

That is to say, when the transaction result is that the payment is successful, the self-service terminal device performs corresponding service processing when the state of the service to be paid acquired from the second identification information is that the payment is successful, thereby completing a corresponding service processing flow.

In another embodiment, as shown in fig. 3, an intermediate server-based service payment method is provided, and the service payment method is implemented based on the intermediate server of the service support system.

Specifically, as shown in fig. 3, the intermediary server-based service payment method includes steps S22-S28:

step S22: receiving first identification information sent by a handheld device, wherein the first identification information is identification information generated by a self-service terminal device and used for payment, and the first identification information is acquired by the handheld device from the self-service terminal device through code scanning;

step S24: analyzing the first identification information, generating a service order payment request of the service to be paid corresponding to the first identification information, and sending the service order payment request to a transaction server;

step S26: acquiring transaction result information returned by a transaction server, wherein the transaction result information comprises an order transaction state, and the order transaction state comprises successful payment; under the condition that the order transaction state is successful, updating the service to be paid according to transaction result information, and generating second identification information corresponding to the transaction result information;

step S28: and sending the second identification information to handheld equipment so that the self-service terminal equipment receives the second identification information input according to the second identification information displayed on the handheld equipment to confirm the service to be paid.

As shown in fig. 4, the step S24 further includes the following steps S241 to S244:

step S241: decrypting the first identification information;

step S242: carrying out validity check on the decrypted first identification information;

if the validity check is successful, step S243 is executed: generating a service order payment request of the service to be paid corresponding to the first identification information and sending the service order payment request to the transaction server;

in case the validity check fails, step S244 is executed: and generating prompt information and sending the prompt information to the handheld equipment.

As shown in fig. 5, before the step S241, the method further includes a step S240: and identifying a system identification corresponding to the first identification information, and determining a transaction server corresponding to the system identification according to the system identification.

The above step S243: after generating the service order payment request of the service to be paid corresponding to the first identification information, the method further comprises the following steps:

sending the service order payment request to the handheld device;

In an optional embodiment, after the generating the service order payment request of the service to be paid corresponding to the first identification information and sending the service order payment request to the transaction server, the method further includes: and sending a call-up signal to the handheld device according to the request of the transaction server so that the handheld device acquires payment confirmation information input aiming at the service payment confirmation request and sends the payment confirmation information to the transaction server.

In an optional embodiment, after the step of updating the service to be paid according to the transaction result, the method further includes: and encrypting the transaction result information to generate second identification information corresponding to the transaction result information. The encryption of the transaction result information may be to encrypt one or more items of information in the transaction result information, or to update the service to be paid to the paid service after the payment is successful, so as to encrypt one or more items of information in the paid service corresponding to the transaction result information.

In the service payment system and method, when a user transacts services needing payment such as endorsement and the like through self-service terminal equipment, the self-service terminal equipment only needs to generate identification information for payment, the user performs code scanning payment on the identification information through payment software on handheld equipment such as a smart phone and the like or intermediate application of service transaction, then the identification information for payment is decrypted, analyzed and verified through being linked to an intermediate server, a corresponding service order is generated and sent to a transaction server corresponding to the service payment, the transaction server completes a corresponding transaction process, information related to a transaction result is generated and returned to the intermediate server, the intermediate server updates the service order after receiving the related information of the transaction result and generates identification information for confirmation and sends the identification information to the handheld equipment, and the user inputs the identification information into the self-service terminal equipment in a mode of code scanning and keyboard input And the self-service terminal equipment determines whether the service order is paid according to the identification information, then performs corresponding service processing and completes the service processing flow. That is to say, after the service payment method, the service payment system, the intermediate server and the storage medium in this embodiment are adopted, the intermediate server is used for processing the service payment in the service handling process, and the service payment system is used for communicating the self-service terminal device with the smart phone and the transaction server for payment, and the payment in the service handling process does not need to be carried out through the gateway, so that the condition that the payment cannot be carried out due to instability of the gateway is avoided, and the success rate of the service payment and the success rate of the service handling are improved.

As shown in fig. 6, an embodiment of the present invention further provides a service payment apparatus. Specifically, as shown in fig. 6, the service payment apparatus includes:

a first identification information receiving module 81, configured to receive first identification information sent by a handheld device, where the first identification information is identification information generated by a self-service terminal device and used for payment, and the first identification information is obtained by the handheld device from the self-service terminal device through a code scanning;

the first identification information analyzing module 82 is configured to analyze the first identification information, generate a service order payment request of the service to be paid corresponding to the first identification information, and send the service order payment request to the transaction server;

the service payment module 83 is configured to obtain transaction result information returned by the transaction server, where the transaction result information includes an order transaction status, and the order transaction status includes a successful payment; under the condition that the order transaction state is payment success, updating the service to be paid according to transaction result information, and generating second identification information corresponding to the transaction result information, wherein the second identification information can comprise part of the transaction result information;

and the service processing module 84 is configured to send the second identification information to the handheld device, so that the self-service terminal device receives the input second identification information to confirm the service to be paid.

In an embodiment, as shown in fig. 7, the service payment apparatus further includes a verification module 85, configured to perform validity verification on the decrypted first identification information; and calling the first identification information receiving module 81 when the validity check is successful.

In an embodiment, as shown in fig. 7, the service payment apparatus further includes a system identification module 86, configured to identify a system identifier corresponding to the first identification information, and determine, according to the system identifier, a transaction server corresponding to the system identifier.

In one embodiment, as shown in fig. 7, the service payment module 83 is further configured to send an evoking signal to the handheld device according to the request of the transaction server, so that the handheld device obtains payment confirmation information input for the service payment confirmation request and sends the payment confirmation information to the transaction server.

In one embodiment, the service payment module 83 is further configured to encrypt the transaction result information, and generate second identification information corresponding to the transaction result information.

FIG. 8 is a diagram illustrating an internal structure of a computer device in one embodiment. The computer device may specifically be an intermediate server. As shown in fig. 8, the computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program that, when executed by the processor, causes the processor to implement a business payment method. The internal memory may also have stored therein a computer program that, when executed by the processor, causes the processor to perform a business payment method. The network interface is used for communicating with the outside. Those skilled in the art will appreciate that the architecture shown in fig. 8 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, the service payment method provided by the present application may be implemented in the form of a computer program, and the computer program may be run on a computer device as shown in fig. 8. The memory of the computer device may store therein the respective program templates constituting the service payment means.

A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of:

A computer-readable storage medium storing a computer program which, when executed by a processor, causes the processor to perform the steps of:

After the service payment method, the system, the intermediate server and the storage medium are adopted, when a user transacts services such as endorsement and the like which need to pay fees through the self-service terminal equipment, the self-service terminal equipment only needs to generate identification information for payment, the user performs code scanning payment on the identification information through payment software on handheld equipment such as a smart phone and the like or intermediate application of service transaction, then the identification information for payment is decrypted, analyzed and verified by being linked to the intermediate server, a corresponding service order is generated and sent to a transaction server corresponding to the service payment, the transaction server completes a corresponding transaction process and generates information related to a transaction result and returns the information to the intermediate server, after the intermediate server receives the information related to the transaction result and the like, the service order is updated, the generated identification information for confirmation is sent to the handheld equipment, and the user inputs the identification information into the self-service terminal equipment in a code scanning and keyboard input mode, the self-service terminal equipment determines whether the service order is paid according to the identification information, and then corresponding service processing is carried out to complete a service processing flow. That is to say, after the service payment method, the service payment system, the intermediate server and the storage medium in this embodiment are adopted, the intermediate server is used for processing the service payment in the service handling process, and the service payment system is used for communicating the self-service terminal device with the smart phone and the transaction server for payment, and the payment in the service handling process does not need to be carried out through the gateway, so that the condition that the payment cannot be carried out due to instability of the gateway is avoided, and the success rate of the service payment and the success rate of the service handling are improved.

It should be noted that the service payment method, the service payment system, the intermediate server and the computer-readable storage medium belong to the same inventive concept, and contents related to the service payment method, the service payment system, the intermediate server and the computer-readable storage medium are mutually applicable.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the program is executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A service payment method is applied to an intermediate server and is characterized by comprising the following steps:

2. A transaction payment method according to claim 1, wherein said step of parsing said first identification information further comprises:

carrying out validity check on the analyzed first identification information;

3. The business payment method of claim 1, wherein after the step of receiving the first identification information sent by the handheld device, the method further comprises:

4. The transaction payment method according to claim 1, wherein after the step of generating the transaction order payment request for the transaction to be paid corresponding to the first identification information, the method further comprises:

sending the service order payment request to the handheld device;

5. The transaction payment method according to claim 1, wherein after the step of generating a transaction order payment request for the transaction to be paid corresponding to the first identification information and sending the transaction order payment request to the transaction server, the method further comprises:

6. The business payment method of claim 1, wherein the step of parsing the first identification information further comprises:

7. The transaction payment method of claim 1, wherein after the step of updating the transaction to be paid according to the transaction result, the method further comprises:

8. A method for payment for services, comprising:

9. The business payment method of claim 8, wherein the intermediate server receives the first identification information sent by the handheld device, and after the step of parsing the first identification information, the method further comprises:

10. The business payment method of claim 8, wherein the step of generating, by the self-service terminal device, the first identification information for payment according to the business to be paid further comprises:

or,

11. The service payment method of claim 8, wherein after the step of updating the service to be paid by the intermediate server according to the transaction result information and generating the second identification information corresponding to the service to be paid, the method further comprises:

12. The business payment method of claim 8, wherein the step of the transaction server pushing a business payment confirmation request to the handheld device according to the business order payment request and receiving payment confirmation information returned by the handheld device and input for the business payment confirmation request further comprises:

13. The transaction payment method according to claim 8, wherein after the step of generating the transaction order payment request for the transaction to be paid corresponding to the first identification information by the intermediate server, the method further comprises:

14. A business payment system is characterized by comprising a handheld device, a self-service terminal device, an intermediate server and a transaction server;

the self-service terminal equipment is used for generating first identification information for payment according to a service to be paid;

the intermediate server is also used for acquiring the transaction result information from the transaction server, updating the service to be paid according to the transaction result information, generating second identification information corresponding to the transaction result information, and sending the second identification information to the handheld device;

15. A transaction payment system according to claim 14, wherein the intermediate server is further configured to identify a system identifier corresponding to the first identification information, and determine the transaction server corresponding to the system identifier according to the system identifier.

16. The business payment system of claim 14, wherein the intermediate server is further configured to send an evoke signal to the handheld device according to the request of the transaction server, so that the handheld device obtains payment confirmation information input for the business payment confirmation request and sends the payment confirmation information to the transaction server.

17. A transaction payment system according to claim 14 wherein the self-service terminal device is further arranged to generate encrypted first identification information for payment;

or,

18. A transaction payment system according to claim 14, wherein the intermediate server is further configured to encrypt the transaction result information to generate second identification information corresponding to the transaction result information.

19. A transaction payment device, comprising:

the business payment module is used for acquiring transaction result information returned by the transaction server, wherein the transaction result information comprises an order transaction state, and the order transaction state comprises payment success; under the condition that the order transaction state is successful, updating the service to be paid according to transaction result information, and generating second identification information corresponding to the transaction result information;

20. An intermediate server comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of the method according to any one of claims 1 to 7.

21. A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to carry out the steps of the method according to any one of claims 1 to 7.