CN103020815A - Method, device and system for processing payment transaction - Google Patents
Method, device and system for processing payment transaction Download PDFInfo
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- CN103020815A CN103020815A CN2012105304860A CN201210530486A CN103020815A CN 103020815 A CN103020815 A CN 103020815A CN 2012105304860 A CN2012105304860 A CN 2012105304860A CN 201210530486 A CN201210530486 A CN 201210530486A CN 103020815 A CN103020815 A CN 103020815A
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Abstract
The invention discloses a method, a device and a system for processing a payment transaction and is used to improve the safety level of an electronic payment. The method comprises the following steps: a third party payment platform receives a payment transaction request sent by a third party payment client; the third payment platform confirms first payment transaction information which corresponds to first payment labeling information carried in the payment transaction request according to a corresponding relation between the preserved payment transaction information and the payment labeling information; the third party payment platform sends the first payment transaction information to the third party payment client and enables the third party payment platform to carry out a payment processing according to the first payment transaction information.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a method, a device and a system for processing payment service.
Background
With the development of the e-commerce technology, more and more people choose to carry out online shopping on an e-commerce platform, products related to buying and selling are more and more abundant, and the related amount of money is more and more, so that how to carry out safe and convenient payment on the internet becomes a problem which needs to be solved urgently in the e-commerce development process.
At present, electronic commerce transaction platforms have a plurality of methods for realizing payment, and one payment method is to complete electronic payment through a third party payment platform. The third-party payment platform is an electronic platform specially used for solving the problem of online transaction payment, and is usually connected with a plurality of electronic commerce transaction platforms and a plurality of bank transaction platforms through the internet or a private line, so as to help a user to safely and conveniently complete the payment process of a specified commodity on the internet. The specific process comprises the following steps: after the order of the electronic commerce is generated, the electronic commerce transaction platform sends payment service information corresponding to the order to the third-party payment client, so that the third-party payment client interacts with the third-party payment platform according to the payment service information to realize electronic payment, wherein the payment service information comprises: order number and order information (purchase time, payment amount, etc.)
As can be seen, the electronic payment can be completed through the above process, but in the payment process, the payment service information is directly acquired by the third party payment client from the e-commerce transaction platform, and the payment service information is subject to the risk of being tampered due to the direct information transmission between the e-commerce transaction platform and the third party payment client, so that the loss may be brought to the merchant or the user in the e-commerce transaction platform, and the transaction environment of the e-commerce may be disturbed. Therefore, the existing electronic payment has a safety hazard.
Disclosure of Invention
The invention provides a payment service processing method, device and system, which are used for improving the security level of electronic payment.
The invention provides a payment service processing method, which comprises the following steps:
the third party payment platform receives a payment service request sent by a third party payment client;
the third party payment platform determines first payment service information corresponding to the first payment marking information carried in the payment service request according to the corresponding relation between the stored payment service information and the payment marking information;
and the third party payment platform sends the first payment service information to the third party payment client, so that the third party payment client carries out payment processing according to the first payment service information.
In the invention, the third-party payment platform stores the payment service information, the payment marking information and the corresponding relation between the payment service information and the payment marking information, so that the third-party payment client only needs to go to the third-party payment platform through the payment service request to inquire the first payment marking information corresponding to the first payment marking information carried in the payment service request, and then carries out payment processing according to the inquired first payment service information. If the first payment marking information in the payment service request sent by the third-party payment client is legal, the payment service information can be obtained from the third-party payment platform instead of the electronic commerce transaction platform, so that the payment service information is not easy to intercept and tamper, and the security level of electronic payment is improved.
In the embodiment of the present invention, before the third party payment platform receives the payment service request sent by the third party payment client, the method further includes:
the third-party payment platform receives first payment service information of the order sent by the electronic commerce transaction platform after the order is generated;
the third party payment platform generates first payment marking information corresponding to the first payment service information and stores a first corresponding relation between the first payment service information and the first payment marking information;
and the third-party payment platform sends the first payment marking information to a third-party payment client through the e-commerce transaction platform, so that the third-party payment client generates the payment service request containing the first payment marking information.
Therefore, the electronic commerce transaction platform is directly communicated with the third-party payment platform, the payment service information is transmitted in the system background, the payment service information is not easy to be falsified, fraud is prevented, and the safety of the electronic payment service is further improved. And the third party payment platform generates first payment marking information corresponding to the first payment service information, and sends the first payment marking information to the third party payment client through the e-commerce transaction platform, so that the payment service information sent by the e-commerce transaction platform is translated into the payment marking information through the third party payment platform, and then when the payment service is processed, the third party payment platform translates the payment marking information received from the third party payment client into the corresponding payment service information and sends the corresponding payment service information to the third party payment client.
In the present invention, the determining the first payment service information corresponding to the first payment indication information carried in the payment service request includes:
and when a first corresponding relation including the first payment marking information is found in the stored corresponding relation between the payment service information and the payment marking information, determining the payment marking information in the first corresponding relation as the first payment service information.
Therefore, the third party payment platform can verify the validity of the first payment marking information in the payment service request through the stored corresponding relationship between the payment service information and the payment marking information, and when the first corresponding relationship including the first payment marking information carried in the payment service request can be found, the third party payment platform can determine that the payment service request is legal, and can determine the payment marking information in the first corresponding relationship as the first payment service information. In this way, illegal payment service requests are prevented from being processed.
In the present invention, the payment indication information includes: one or more of order number, order generation time, order transaction amount and the like of the order generated by the electronic commerce transaction platform. Therefore, the third party payment client can perform payment processing according to the obtained first payment service information.
The invention provides a payment service processing device, comprising:
the first receiving unit is used for receiving a payment service request sent by a third party payment client;
the determining unit is used for determining first payment service information corresponding to the first payment marking information carried in the payment service request according to the corresponding relation between the stored payment service information and the payment marking information;
and the first sending unit is used for sending the first payment service information to the third-party payment client so that the third-party payment client carries out payment processing according to the first payment service information.
Further, the device for processing payment service further comprises:
the second receiving unit is used for receiving first payment service information of the order sent by the electronic commerce transaction platform after the order is generated;
a generating unit, configured to generate first payment indication information corresponding to the first payment service information, and store a first corresponding relationship between the first payment service information and the first payment indication information;
and the second sending unit is used for sending the first payment marking information to a third-party payment client through the electronic commerce transaction platform, so that the third-party payment client generates the payment service request containing the first payment marking information.
Preferably, the determining unit is specifically configured to determine the payment indication information in the first corresponding relationship as the first payment service information when the first corresponding relationship including the first payment indication information is found in the corresponding relationship between the saved payment service information and the payment indication information.
The payment service processing device is applied to a third party payment platform.
Therefore, the third party payment platform stores the payment service information, the payment marking information and the corresponding relation between the payment service information and the payment marking information, and the third party payment platform carries out legality verification on the first payment marking information in the received payment service request, and can send the payment service information obtained from the e-commerce transaction platform to the third party payment client, so that payment processing is carried out according to the payment service information.
The invention provides a system for processing payment service, comprising:
the third-party payment platform is used for receiving a payment service request sent by a third-party payment client, determining first payment service information corresponding to the first payment marking information carried in the payment service request according to the corresponding relation between the stored payment service information and the payment marking information, and sending the first payment service information to the third-party payment client;
and the third-party payment client is used for sending the payment service request, receiving the first payment service information and carrying out payment processing according to the first payment service information.
Further, the system further comprises: the electronic commerce transaction platform is used for generating an order, sending first payment service information of the order to the third-party payment platform and sending the received first payment marking information sent by the third-party payment platform to the third-party payment client;
the third party payment platform is further configured to receive the first payment service information sent by the e-commerce transaction platform, generate first payment marking information corresponding to the first payment service information, store a first corresponding relationship between the first payment service information and the first payment marking information, and send the first payment marking information to the e-commerce transaction platform;
the third party payment client is further configured to receive the first payment indication information forwarded by the e-commerce transaction platform, and generate the payment service request including the first payment indication information.
And the third party payment platform is specifically configured to determine the payment indication information in the first corresponding relationship as the first payment service information when the first corresponding relationship including the first payment indication information is found in the corresponding relationship between the saved payment service information and the payment indication information.
In the system for processing the payment service, the payment service information of the order generated by the e-commerce transaction platform is translated into the payment marking information by the third-party payment platform, and the third-party payment client directly goes to the third-party payment platform through the payment marking information to obtain the payment service information and carries out payment processing according to the payment service information, so that the payment service information is not easy to intercept and tamper, and the security level of electronic payment is improved.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
The technical solution of the present invention is further described in detail by the accompanying drawings and embodiments.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
fig. 1 is a flowchart of payment transaction processing according to an embodiment of the present invention;
fig. 2 is a flowchart of payment service processing in the second embodiment of the present invention;
fig. 3 is a flowchart of payment service processing in the third embodiment of the present invention;
FIG. 4 is a block diagram of an apparatus for payment transaction processing in an embodiment of the present invention;
fig. 5 is an architecture diagram of a system for payment transaction processing in an embodiment of the invention.
Detailed Description
The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, and it will be understood that they are described herein for the purpose of illustration and explanation and not limitation.
In the embodiment of the invention, the third-party payment platform stores the payment service information of the order generated by the electronic commerce transaction platform and the payment marking information corresponding to the payment service information, so that the third-party payment client only needs to go to the third-party payment platform to inquire the first payment marking information corresponding to the first payment marking information carried in the payment service request through the payment service request, and then, payment processing is carried out according to the inquired first payment service information. The third-party payment client acquires the payment service information from the third-party payment platform instead of the electronic commerce transaction platform, so that the payment service information is not easy to intercept and tamper, and the security level of electronic payment is improved.
The first embodiment is as follows: referring to fig. 1, the process of payment transaction processing includes:
step 101: and the third-party payment platform receives a payment service request sent by a third-party payment client.
After the electronic commerce transaction platform generates the order, a payment service request is sent to the third-party payment platform through the third-party payment client. The payment service request carries payment marking information, wherein the payment service request carrying the first payment marking information is sent by the third party payment client.
The payment indication information can be generated by the third party payment client side or obtained from the electronic commerce transaction platform. For example: the third party payment client randomly generates a payment marking message. Or, the third party payment client acquires first payment service information corresponding to the generated order from the e-commerce transaction platform, and then generates payment marking information according to a set first rule, at this time, the e-commerce transaction platform generates the order and then needs to send the first payment service information of the order to the third party payment platform, and the third party payment platform generates payment marking information according to a set second rule, wherein the second rule is the same as the first rule. Or after the electronic commerce transaction platform generates the order, only the first payment service information of the order is sent to the third party payment platform, the third party payment platform generates a first payment marking information corresponding to the first payment service information randomly or according to a set third rule, and then the first payment marking information is sent to the third party payment client through the electronic commerce transaction platform, namely, the third party payment client obtains the first payment marking information generated by the third party payment platform from the electronic commerce transaction platform.
The first payment indication information in the embodiment of the present invention may be represented by label information.
And the third party payment client carries the first payment marking information in the sent payment service request.
Step 102: and the third-party payment platform determines first payment service information corresponding to the first payment marking information carried in the payment service request according to the corresponding relation between the stored payment service information and the payment marking information.
The third party payment platform pre-stores the corresponding relation between the payment service information and the payment marking information. Generally, after an electronic commerce transaction platform generates an order, the payment service information corresponding to the order is directly sent to a third party payment platform, so that the third party payment platform generates payment marking information corresponding to the payment service information and stores the corresponding relationship between the payment service information and the payment marking information. Therefore, after the electronic commerce transaction platform generates an order, the third-party payment platform acquires the corresponding payment service information, and generates and stores the payment marking information corresponding to the payment service information. In the embodiment of the invention, the payment service information comprises: one or more of order number, order generation time, order transaction amount and the like of the order generated by the electronic commerce transaction platform.
In this way, the third-party payment platform verifies the first payment marking information carried in the payment service request according to the corresponding relation between the stored payment service information and the payment marking information, and determines the first payment service information corresponding to the first payment marking information after the verification is passed.
Specifically, when the first corresponding relationship including the first payment indication information is found in the stored corresponding relationship between the payment service information and the payment indication information, it is determined that the first payment indication information is legal.
In the embodiment of the invention, if the first payment marking information carried by the payment service request sent by the third-party payment client is generated by the third-party payment platform and sent to the third-party payment client through the e-commerce transaction platform, the third-party payment platform can search the first corresponding relationship comprising the first payment marking information in the stored corresponding relationship between the payment service information and the payment marking information, that is, the first payment marking information is determined to be legal, and at this time, the payment marking information in the first corresponding relationship is determined to be the first payment service information.
If the first payment marking information carried by the payment service request sent by the third-party payment client is locally and immediately generated or is generated according to the payment service information sent from the e-commerce transaction platform according to the first rule, at this time, the first corresponding relationship including the first payment marking information cannot be found in the corresponding relationship between the payment service information and the payment marking information which can be stored by the third-party payment platform. For example: the information interaction between the third-party payment client and the e-commerce transaction platform is unsafe, and the payment service information is tampered, so that the first payment marking information generated by the third-party payment client according to the first rule can not be searched in the corresponding relation between the stored payment service information and the payment marking information, the first payment marking information is determined to be illegal, and the first payment service information corresponding to the first payment marking information carried in the payment service request can not be determined.
Step 103: and the third-party payment platform sends the first payment service information to the third-party payment client, so that the third-party payment client performs payment processing according to the first payment service information.
The third party payment platform determines that the first payment marking information carried in the payment service request is legal, determines first payment service information corresponding to the first payment marking information, and sends the first payment service information to the third party payment client side.
According to the payment service processing process, the payment service information, the payment marking information and the corresponding relation between the payment service information and the payment marking information are stored in the third-party payment platform, so that the third-party payment client only needs to go to the third-party payment platform through the payment service request to inquire the first payment marking information corresponding to the first payment marking information carried in the payment service request, and then, payment processing is carried out according to the inquired first payment service information. If the first payment marking information in the payment service request sent by the third-party payment client is legal, the payment service information can be obtained from the third-party payment platform instead of the electronic commerce transaction platform, so that the payment service information is not easy to intercept and tamper, and the security level of electronic payment is improved.
Example two: in order to ensure that the first payment indication information carried in the payment service request sent by the third party payment client is legal, preferably, the first payment indication information is generated by the third party payment platform according to the first payment service information of the order sent by the e-commerce transaction platform and is forwarded to the third party payment client through the e-commerce transaction platform, and therefore, referring to fig. 2, the process of the payment service processing in this embodiment includes:
step 201: and the third-party payment platform receives the first payment service information of the order sent by the electronic commerce transaction platform after the order is generated.
According to the instruction of the user, the electronic commerce transaction platform generates an order and sends the first payment service information of the order to the third party payment platform. The first payment service information includes: one or more of order number, order generation time, order transaction amount and the like of the order generated by the electronic commerce transaction platform. For example, the first payment service information includes: order number 00012, order generation time, year, month, and order transaction amount.
Therefore, the third-party payment platform directly communicates with the electronic commerce transaction platform to obtain the first payment service information of the order without forwarding through the third-party payment client, the communication is information interaction between background servers, and the safety level of the information interaction between the servers is far higher than that between the background and the foreground, namely the safety level of the information interaction between the servers and the client. Therefore, the safety of the first payment service information can be improved, and the probability of tampering the first payment service information is reduced.
Step 202: the third-party payment platform generates first payment marking information corresponding to the first payment service information, and stores a first corresponding relation between the first payment service information and the first payment marking information.
The third party payment platform translates the first payment service information into a payment indication information, here, the first payment indication information, for example: first payment instruction information 125000.
And a first corresponding relation between the first payment service information and the first payment marking information is established and stored, and a basis is provided for the validity verification of the payment marking information carried in the subsequent payment service request.
Step 203: and the third party payment platform sends the first payment marking information to the third party payment client through the e-commerce transaction platform.
The third party payment platform sends the first payment marking information to the electronic commerce transaction platform, and then the electronic commerce transaction platform sends the first payment marking information to the third party payment client. Specifically, the third-party payment platform sends the first payment marking information to a background server of the e-commerce transaction platform, the background server of the e-commerce transaction platform is handed over to a foreground of the e-commerce transaction platform, and finally, the foreground of the e-commerce transaction platform sends the first payment marking information to the third-party payment client.
Step 204: the third party payment platform receives a payment service request sent by a third party payment client, wherein the payment service request carries first payment marking information received by the third party payment client from the e-commerce transaction platform.
And after receiving the first payment marking information, the third-party payment client generates a payment service request according to the first payment marking information and sends the payment service request to the third-party payment platform.
Step 205: and the third-party payment platform determines first payment service information corresponding to the first payment marking information carried in the payment service request according to the corresponding relation between the stored payment service information and the payment marking information.
The specific process is consistent with step 102 in the first embodiment.
The first payment marking information carried in the payment service request is generated by the third party payment platform according to the first payment service information of the order sent by the e-commerce transaction platform and is forwarded to the third party payment client through the e-commerce transaction platform, so that the first corresponding relationship comprising the first payment marking information can be found from the corresponding relationship between the stored payment service information and the payment marking information, that is, the first payment marking information is determined to be legal, and at the moment, the payment marking information in the first corresponding relationship is determined to be the first payment service information.
Step 206: and the third-party payment platform sends the first payment service information to the third-party payment client, so that the third-party payment client performs payment processing according to the first payment service information.
In this embodiment, the payment service information of the order generated by the e-commerce transaction platform is translated into the payment marking information by the third party payment platform, and the payment marking information is sent to the third party payment client through the e-commerce transaction platform. Therefore, the third-party payment client directly goes to the third-party payment platform to obtain the payment service information through the payment marking information and carries out payment processing according to the payment service information, so that the payment service information is interacted between the electronic commerce transaction platform and the third-party payment platform without being interacted between the electronic commerce transaction platform and the third-party payment client, and the payment service information is translated by the third-party payment platform, so that the probability that the payment service information is intercepted and tampered is reduced, and the security level of electronic payment is improved.
Example three: in this implementation, the first payment marking information carried in the payment service request sent by the third party payment client is generated by the third party payment client, the validity of the first payment marking information needs to be verified, and after the validity is verified, the third party payment client can obtain the corresponding payment service information to further perform payment service processing. Referring to fig. 3, the process of payment transaction processing in this embodiment includes:
step 301: and the third-party payment platform receives a payment service request which is sent by a third-party payment client and carries the first payment marking information.
When the third party payment client side initiates a payment service request, a first payment marking information can be randomly generated. Or the third party payment client receives payment service information of the order sent by the electronic commerce transaction platform after the order is generated, and then generates payment marking information according to the payment service information and a set rule. Here, the payment indication information may be first payment indication information, and the set rule may be consistent with a rule of the payment indication information generated by the third party payment platform.
Because the transmission between the e-commerce transaction platform and the third-party payment client is not safe, the payment service information received by the third-party payment client and the payment service information received by the third-party payment platform may be the same or different, and therefore, under the same rule, the payment marking information generated by the third-party payment client and the payment marking information generated by the third-party payment platform may be the same or different.
Step 302: the third party payment platform judges whether first payment service information corresponding to the first payment marking information carried in the payment service request exists, if so, step 303 is executed, otherwise, the process is ended
The third party payment platform acquires payment service information from the e-commerce transaction platform in advance, generates payment marking information and stores the corresponding relationship between the payment service information and the payment marking information, so that the first payment marking information carried in the payment service request can be legally verified according to the stored corresponding relationship between the payment service information and the payment marking information, if the first corresponding relationship containing the first payment marking information can be found in the corresponding relationship, the first payment marking information is determined to be legal, the payment service information in the first corresponding relationship is determined to be the first payment service information, and the step 303 is executed, otherwise, the first payment marking information is illegal, the process is ended, and the payment service processing cannot be carried out.
Because the payment marking information generated by the third-party payment client and the payment marking information generated by the third-party payment platform can be the same or different, the first payment marking information may be legal or illegal, if legal, the first payment service information corresponding to the first payment marking information is determined, step 303 is executed, and if illegal, the process is ended.
Step 303: and the third-party payment platform sends the first payment service information to the third-party payment client, so that the third-party payment client performs payment processing according to the first payment service information.
In this embodiment, when the third-party payment client goes to the third-party payment platform through the payment marking information to obtain the payment service information, the third-party payment platform verifies the validity of the payment marking information, and sends the payment information corresponding to the payment marking information to the third-party payment client after the verification is passed.
According to the above process of payment service processing, an apparatus for payment service processing may be constructed, as shown in fig. 4, the apparatus including: a first receiving unit 410, a determining unit 420, and a first transmitting unit 430. Wherein,
the first receiving unit 410 is configured to receive a payment service request sent by a third party payment client.
The determining unit 420 is configured to determine, according to the stored correspondence between the payment service information and the payment indication information, first payment service information corresponding to the first payment indication information carried in the payment service request.
The first sending unit 430 is configured to send the first payment service information to the third party payment client, so that the third party payment client performs payment processing according to the first payment service information.
Preferably, the apparatus further comprises:
and the second receiving unit is used for receiving the first payment service information of the order sent by the electronic commerce transaction platform after the order is generated.
The generating unit is used for generating first payment marking information corresponding to the first payment service information and storing a first corresponding relation between the first payment service information and the first payment marking information.
And the second sending unit is used for sending the first payment marking information to the third-party payment client through the e-commerce transaction platform, so that the third-party payment client generates a payment service request application containing the first payment marking information.
Specifically, the determining unit 420 is configured to determine, when a first corresponding relationship including the first payment indication information is found in the corresponding relationship between the saved payment service information and the payment indication information, the payment indication information in the first corresponding relationship as the first payment service information.
The payment service processing device can be applied to a third-party payment platform.
Therefore, the third party payment platform stores the payment service information, the payment marking information and the corresponding relation between the payment service information and the payment marking information, and the third party payment platform legally verifies the first payment marking information in the received payment service request, and can send the payment service information acquired from the e-commerce transaction platform to the third party payment client so as to perform payment processing according to the payment service information.
A system for processing payment services can be constructed by a third party payment platform containing the above device and a third party payment client degree, referring to fig. 5, including:
the third party payment platform 100 is configured to receive a payment service request sent by the third party payment client 200, determine, according to the stored correspondence between the payment service information and the payment indication information, first payment service information corresponding to the first payment indication information carried in the payment service request, and send the first payment service information to the third party payment client 200.
And the third party payment client 200 is configured to send a payment service request, receive the first payment service information, and perform payment processing according to the first payment service information.
Since the payment service is closely related to the e-commerce transaction platform, the system further comprises:
the electronic commerce transaction platform is used for generating an order, sending first payment service information of the order to the third party payment platform 100, and sending the received first payment marking information sent by the third party payment platform 100 to the third party payment client 200;
then, the third party payment platform 100 is further configured to receive the first payment service information sent by the e-commerce transaction platform, generate first payment indication information corresponding to the first payment service information, store a first corresponding relationship between the first payment service information and the first payment indication information, and send the first payment indication information to the e-commerce transaction platform;
the third party payment client 200 is further configured to receive the first payment indication information forwarded by the e-commerce transaction platform, and generate a payment service request including the first payment indication information.
The third party payment platform 100 is specifically configured to determine the payment indication information in the first corresponding relationship as the first payment service information when the first corresponding relationship including the first payment indication information is found in the corresponding relationship between the saved payment service information and the payment indication information.
In the system for processing the payment service, the payment service information of the order generated by the e-commerce transaction platform is translated into the payment marking information by the third-party payment platform, and the third-party payment client directly goes to the third-party payment platform through the payment marking information to obtain the payment service information and carries out payment processing according to the payment service information, so that the payment service information is not easy to intercept and tamper, and the security level of electronic payment is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (11)
1. A method of payment transaction processing, comprising:
the third party payment platform receives a payment service request sent by a third party payment client;
the third party payment platform determines first payment service information corresponding to the first payment marking information carried in the payment service request according to the corresponding relation between the stored payment service information and the payment marking information;
and the third party payment platform sends the first payment service information to the third party payment client, so that the third party payment client carries out payment processing according to the first payment service information.
2. The method of claim 1, wherein before the third party payment platform receives the payment service request sent by the third party payment client, the method further comprises:
the third-party payment platform receives first payment service information of the order sent by the electronic commerce transaction platform after the order is generated;
the third party payment platform generates first payment marking information corresponding to the first payment service information and stores a first corresponding relation between the first payment service information and the first payment marking information;
and the third-party payment platform sends the first payment marking information to the third-party payment client through the e-commerce transaction platform, so that the third-party payment client generates the payment service request containing the first payment marking information.
3. The method of claim 1, wherein the determining first payment service information corresponding to first payment indication information carried in the payment service request comprises:
and when a first corresponding relation including the first payment marking information is found in the stored corresponding relation between the payment service information and the payment marking information, determining the payment marking information in the first corresponding relation as the first payment service information.
4. The method of claim 1 or 3, wherein the payment indication information comprises: one or more of an order number, an order generation time, and an order transaction amount of an order generated by the e-commerce transaction platform.
5. An apparatus for payment transaction processing, comprising:
the first receiving unit is used for receiving a payment service request sent by a third party payment client;
the determining unit is used for determining first payment service information corresponding to the first payment marking information carried in the payment service request according to the corresponding relation between the stored payment service information and the payment marking information;
and the first sending unit is used for sending the first payment service information to the third-party payment client so that the third-party payment client carries out payment processing according to the first payment service information.
6. The apparatus of claim 5, further comprising:
the second receiving unit is used for receiving first payment service information of the order sent by the electronic commerce transaction platform after the order is generated;
a generating unit, configured to generate first payment indication information corresponding to the first payment service information, and store a first corresponding relationship between the first payment service information and the first payment indication information;
and the second sending unit is used for sending the first payment marking information to the third-party payment client through the e-commerce transaction platform, so that the third-party payment client generates the payment service request application containing the first payment marking information.
7. The apparatus of claim 5,
the determining unit is specifically configured to determine, when a first correspondence relation including the first payment indication information is found in the correspondence relation between the saved payment service information and the payment indication information, the payment indication information in the first correspondence relation as the first payment service information.
8. A third party payment platform for payment transaction processing, comprising: apparatus for payment transaction processing according to any one of claims 5 to 7.
9. A system for payment transaction processing, comprising:
the third-party payment platform is used for receiving a payment service request sent by a third-party payment client, determining first payment service information corresponding to the first payment marking information carried in the payment service request according to the corresponding relation between the stored payment service information and the payment marking information, and sending the first payment service information to the third-party payment client;
and the third-party payment client is used for sending the payment service request, receiving the first payment service information and carrying out payment processing according to the first payment service information.
10. The system of claim 9, further comprising:
the electronic commerce transaction platform is used for generating an order, sending first payment service information of the order to the third-party payment platform and sending the received first payment marking information sent by the third-party payment platform to the third-party payment client;
the third party payment platform is further configured to receive the first payment service information sent by the e-commerce transaction platform, generate first payment marking information corresponding to the first payment service information, store a first corresponding relationship between the first payment service information and the first payment marking information, and send the first payment marking information to the e-commerce transaction platform;
the third party payment client is further configured to receive the first payment indication information forwarded by the e-commerce transaction platform, and generate the payment service request including the first payment indication information.
11. The system of claim 9,
the third party payment platform is specifically configured to determine the payment indication information in the first corresponding relationship as the first payment service information when the first corresponding relationship including the first payment indication information is found in the corresponding relationship between the saved payment service information and the payment indication information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2012105304860A CN103020815A (en) | 2012-12-10 | 2012-12-10 | Method, device and system for processing payment transaction |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2012105304860A CN103020815A (en) | 2012-12-10 | 2012-12-10 | Method, device and system for processing payment transaction |
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| CN103020815A true CN103020815A (en) | 2013-04-03 |
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| CN2012105304860A Pending CN103020815A (en) | 2012-12-10 | 2012-12-10 | Method, device and system for processing payment transaction |
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