CN103186860A - Electronic payment system based on cloud data processing technology - Google Patents
Electronic payment system based on cloud data processing technology Download PDFInfo
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- CN103186860A CN103186860A CN201110457362XA CN201110457362A CN103186860A CN 103186860 A CN103186860 A CN 103186860A CN 201110457362X A CN201110457362X A CN 201110457362XA CN 201110457362 A CN201110457362 A CN 201110457362A CN 103186860 A CN103186860 A CN 103186860A
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Abstract
Disclosed is an electronic payment system based on a cloud data processing technology. The electronic payment system based on the cloud data processing technology comprises terminal equipment, a cloud server, a payment server and a merchant server. The terminal equipment is suitable for sending payment confirming information to the cloud server based on operation information of a user, wherein the payment confirming information carries first order form information, a payment account of the user, verifying information of the user and identification data of the terminal equipment; the cloud server is suitable for extracting second order form information from the merchant server corresponding to the first order form information, verifying the first order form information, and submitting payment requests to the payment server, wherein the payment requests at least carry payment amount, payment objects, a dealing number associated with the first order form information, the payment account, the verifying information and the identification data of the terminal equipment; and the payment server is suitable for acquiring a bank account corresponding to the payment account, and finishing payment through the bank account after the verifying information is verified. The technical scheme is that the electronic payment system based on the cloud data processing technology can ensure safety of electronic payment and convenience of the electronic payment.
Description
Technical field
The present invention relates to the E-Payment field, particularly a kind of electronic fare payment system based on the cloud data processing technique.
Background technology
At present, more and more general by behaviors such as bank pay, transfers accounts, bank is by commercial cashing machine (POS, Point Of Sales), Automatic Teller Machine (ATM, Auto Teller Machine) thereby or operate accordingly in the information that sales counter reads magnetic strip information, the IC-card information of bankbook or magnetic stripe card and identifies bank account, along with popularizing of telephone bank, Web bank, bank also begins to read bank account information by phone, internet.
By the way, the information that comprises disburser's bank account real information directly is transferred to bank.And under some situation, the client of bank, namely the disburser does not wish directly to provide real accounts information, for example worries the leakage of real accounts information; Under the other situation, provide real accounts information to make troubles to the disburser, for example the disburser can't accurately remember accounts information, does not perhaps carry bankbook or bank card etc.If can provide more to the disburser, approach makes the disburser that bank account information needn't be provided more easily, and provide an alternative information of remembering easily or being convenient to provide, then all very favourable to bank, payee and disburser.
In the prior art, the mode that provides an alternative information of remembering easily or being convenient to provide specifically to take is normally set up the payment accounts corresponding with bank account, for example Alipay number of the account, Mobile banking's number of the account, the user is (mainly being the true availability of determining user identity and the Bank Account Number corresponding with this payment accounts) after opening (activation) described payment accounts, just can realize payment with this payment accounts.When adopting described payment accounts to carry out consumption and payment, security and convenience when how to guarantee to use the payment accounts corresponding with bank account to realize payment are important problem particularly.
About the E-Payment technology, can be the Chinese patent application of CN 1758276A with reference to publication number also, this patented claim discloses a kind of payoff service management system and method.
Summary of the invention
The problem that the present invention solves provides a kind of electronic fare payment system based on the cloud data processing technique, security and convenience when guaranteeing that payment accounts is carried out consumption and payment.
For addressing the above problem, the invention provides a kind of electronic fare payment system based on the cloud data processing technique, comprising: terminal device, be suitable for the Cloud Server of described terminal device communication, be suitable for the paying server of described Cloud Server communication and be suitable for business server with described Cloud Server communication;
Described terminal device comprises the payment affirmation unit, and described payment affirmation unit is suitable for sending payment affirmation message to Cloud Server based on user's operation information; Wherein, carry the identity data of first sequence information, described user's payment accounts and authorization information, terminal device in the described payment affirmation message;
Described Cloud Server comprises:
Authentication unit is suitable for after receiving described payment affirmation message, extracts second sequence information from the business server of the described first sequence information correspondence, with described second sequence information described first sequence information is verified;
The payment request unit is suitable for calling payment interface after the checking of described first sequence information is passed through, and submits the payment request to paying server; Wherein, carry the identity data of payment, the payment accounts of paying object, the transaction number related with described first sequence information, described user and authorization information, terminal device in the described payment request at least;
Described business server is suitable for providing described second sequence information corresponding with described first sequence information to described Cloud Server;
Described paying server is suitable for after receiving described payment request, obtains corresponding Bank Account Number based on described user's payment accounts and the identity data of terminal device, and finishes payment by the back with described Bank Account Number in described authorization information checking.
Optionally, described payment affirmation unit comprises:
The prompting receiving element is suitable for receiving the payment prompting corresponding to described first sequence information from described Cloud Server;
The operation information receiving element is suitable for receiving the operation information that the user responds described payment prompting, and described user's operation information comprises described user's payment accounts and authorization information;
Generation unit, the identity data that is suitable for the operation information with described user, described first sequence information, terminal device generates described payment affirmation message.
Optionally, described terminal device also comprises the identity information authentication unit, is suitable for described user's identity information is verified.
Optionally, described identity information authentication unit comprises the checking that described user's identity information carries out: verify whether described user is the registered user of described terminal device.
Optionally, described terminal device also comprises the binding checking unit, is suitable for checking whether described user's payment accounts has bound Bank Account Number on this terminal device before sending payment affirmation message.
Optionally, described terminal device also comprises the binding Tip element, is suitable for when checking out that described payment accounts is not bound Bank Account Number, points out described user to carry out bindings.
Optionally, described Cloud Server also comprises:
The bind request receiving element, be suitable for receiving the bind request that described terminal device is submitted to, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal device;
The bind request processing unit, be suitable for calling the binding interface, described bind request is committed to described paying server verifies, and Receipt Validation by after the binding result that returns, upgrade and store described payment accounts in the information of described terminal device binding Bank Account Number;
The binding result feedback unit is suitable for returning described binding result to described terminal device.
Optionally, described Cloud Server also comprises the binding checking unit, is suitable for checking whether described payment accounts binds Bank Account Number at described terminal device before extracting described second sequence information.
Optionally, described Cloud Server also comprises the sequence information inspection unit, be suitable for before extracting described second sequence information, the order number that comprises in described first sequence information and corresponding trade company thereof number are checked, to the inspection of described order number comprise check this order number form whether correct and this order number whether belong to corresponding trade company, the inspection of described trade company number is comprised check whether registered registration and be in state of activation of this trade company number.
Optionally, described Cloud Server also comprises screen unit, is suitable in the schedule time after receiving described payment affirmation message, shields the processing to other payment affirmation message with the order number in described first sequence information.
Optionally, described authentication unit verify whether order number in described first sequence information exists, payment whether and this order consistent with payment in described second sequence information whether finished payment.
Optionally, described Cloud Server also comprises the transaction record generation unit, is suitable for generating the transaction record corresponding with described order number when verifying out that this order is not finished payment, and described transaction record comprises pay status and described transaction number.
Optionally, described paying server also is suitable for paying successfully or failing and then return payment result to described Cloud Server, described Cloud Server also comprises the renewal feedback unit, be suitable for after receiving described payment result, upgrading described pay status, and finish signal to described business server transmission payment.
Optionally, the described user's that described paying server inquiry is set up in advance payment accounts, the identity data of terminal device and the binding relationship of Bank Account Number obtain the Bank Account Number corresponding with described user's payment accounts.
Optionally, described terminal device also comprises ciphering unit, is suitable for the entrained information of described payment affirmation message is encrypted processing.
Optionally, described Cloud Server also comprises the transaction management unit, is suitable in the mode of transaction management the execution result in the payment process being carried out mark.
Optionally, described electronic fare payment system based on the cloud data processing technique also comprises the operation control module that links to each other with described Cloud Server, is suitable for the process of consumption and payment is controlled.
Optionally, described electronic fare payment system based on the cloud data processing technique also comprises the O﹠M monitoring unit that links to each other with described Cloud Server, is suitable for monitoring the operation conditions of described Cloud Server.
Optionally, described electronic fare payment system based on the cloud data processing technique also comprises and the financial management unit of described Cloud Server, paying server, business server communication, is suitable for consumption and payment is carried out the operation of financial management.
Optionally, described payment accounts is corresponding one by one with identity data, the Bank Account Number of described terminal device.
Optionally, described terminal device is car-mounted terminal equipment.
Compared with prior art, the technical program has the following advantages:
Send payment affirmation message by terminal device to Cloud Server, described payment affirmation message is carried first sequence information, user's payment accounts and authorization information, the identity data of terminal device, Cloud Server is after receiving this payment affirmation message, from the business server of the first sequence information correspondence, extract second sequence information, first sequence information is verified, and pass through the back in checking and submit the payment request to paying server, at least carry payment in the described payment request, the payment object, the transaction number related with first sequence information, payment accounts and authorization information, the identity data of terminal device, paying server is after receiving the payment request, obtain and payment accounts, the Bank Account Number that the identity data of terminal device is corresponding, and finish payment by the back with this Bank Account Number in the checking of described authorization information, thereby make the user can be convenient by described payment accounts, realize payment safely.
Description of drawings
Fig. 1 is the basic structure synoptic diagram based on the electronic fare payment system of cloud data processing technique that embodiment of the present invention provides;
Fig. 2 is the structural representation based on the electronic fare payment system of cloud data processing technique that the embodiment of the invention provides;
Fig. 3 be the embodiment of the invention provide realize the synoptic diagram of payment process based on the electronic fare payment system of cloud data processing technique;
Fig. 4 is the synoptic diagram that user's identity information is verified.
Embodiment
For above-mentioned purpose of the present invention, feature and advantage can more be become apparent, below in conjunction with accompanying drawing the specific embodiment of the present invention is described in detail.Set forth detail in the following description so that fully understand the present invention.But the present invention can be different from alternate manner described here and implements with multiple, and those skilled in the art can do similar popularization under the situation of intension of the present invention.Therefore the present invention is not subjected to the restriction of following public embodiment.
The basic structure synoptic diagram based on the payment system of cloud data processing technique that Fig. 1 embodiment of the present invention provides, as shown in Figure 1, described payment system based on the cloud data processing technique comprises: terminal device 10, be suitable for the Cloud Server 20 of described terminal device 10 communications, be suitable for the paying server 30 of described Cloud Server 20 communications and be suitable for business server 40 with described Cloud Server 20 communications;
Described terminal device 10 comprises payment affirmation unit 101, and described payment affirmation unit 101 is suitable for sending payment affirmation message to Cloud Server 20 based on user's operation information; Wherein, carry the identity data of first sequence information, described user's payment accounts and authorization information, terminal device 10 in the described payment affirmation message;
Described Cloud Server 20 comprises:
Described business server 40 is suitable for providing described second sequence information corresponding with described first sequence information to described Cloud Server 20;
Described paying server 30 is suitable for after receiving described payment request, obtains corresponding Bank Account Number based on described user's payment accounts and the identity data of terminal device 10, and finishes payment by the back with described Bank Account Number in described authorization information checking.
Fig. 2 is the structural representation based on the electronic fare payment system of cloud data processing technique that the embodiment of the invention provides.The electronic fare payment system based on the cloud data processing technique that present embodiment provides comprises each unit in the above-mentioned basic structure synoptic diagram (Fig. 1) at least.Fig. 3 be the embodiment of the invention provide realize the synoptic diagram of payment process based on the electronic fare payment system of cloud data processing technique.Below in conjunction with Fig. 2 and Fig. 3, with specific embodiment above-mentioned electronic fare payment system based on the cloud data processing technique is elaborated.
In the present embodiment, terminal device 10 is specially car-mounted terminal equipment, and in other embodiments, described terminal device also can be mobile phone, PC etc.Nowadays, the automobile industry development is rapid, and the quantity of automobile is more and more.People are when having automobile, also can more and more pay close attention to the experience when using automobile, car-mounted terminal equipment on the automobile can realize comprising the service of multimedia demands such as music, video, picture, and the service of driving demands such as traffic navigation, real-time road condition information etc.Along with the continuous increase of user's request, directly by the payment of doing shopping of the car-mounted terminal equipment on the automobile, will become a kind of trend gradually.The user logins described car-mounted terminal equipment and carries out purchase and consumption after its payment accounts that has is activated, by the electronic fare payment system based on the cloud data processing technique that present embodiment provides, and just can be with described payment accounts safety, realization payment easily.
At first the payment affirmation unit 101 that is comprised by terminal device 10 sends payment affirmation message to Cloud Server 20 based on user's operation information; Wherein, carry the identity data of first sequence information, described user's payment accounts and authorization information, terminal device in the described payment affirmation message.
After the user logins described terminal device 10, by the visit consumer applications, described consumer applications can be to be located at the shopping platform of online businessman, also can be integrated in the client of doing shopping in the software systems of terminal device, the user selectes required commodity, trigger the order operation information, after terminal device 10 receives user's described order operation information, generate order data, and described order data is committed to Cloud Server 20 handles, after described Cloud Server 20 realizations are handled the high in the clouds of described order data, be committed to the business server corresponding with this order data 40, after 40 pairs of described order data of described business server are handled, provide the order corresponding with described order data to determine signal to described Cloud Server 20, described Cloud Server 20 sends the payment prompting corresponding with described order data to terminal device 10, and terminal device 10 just can start the payment to this order after receiving described payment prompting.Certainly, can after after receiving described payment prompting, starting, also can logining terminal device 10 afterwards, restart the payment of this order.
So-called cloud has the data center (data center) that the super computer of high arithmetic capability is formed by many portions in fact, handles and enter high in the clouds, and what refer to is exactly that these super computers in the connection are helped user's deal with data by them through network.
Particularly, in the present embodiment, described payment affirmation unit 101 comprises: prompting receiving element (not shown) is suitable for receiving the payment prompting corresponding to described first sequence information from described Cloud Server 20; Operation information receiving element (not shown) is suitable for receiving the operation information that the user responds described payment prompting, and described user's operation information comprises described user's payment accounts and authorization information; The generation unit (not shown) links to each other with described prompting receiving element, operation information receiving element, and the identity data that is suitable for the operation information with described user, described first sequence information, terminal device 10 generates described payment affirmation message.
Wherein, described first sequence information has has just generated and stored in described terminal device 10 receive user's described order operation information at terminal device 10 after, and described first sequence information specifically comprises the order number of this order, the information of buying commodity, payment, payment object (comprising title and number of the account) and trade company corresponding with described order number number etc.; After described terminal device 10 receives described payment prompting, described first sequence information and described payment prompting are shown to the user, if the user responds this payment prompting, then input operation information; Described user's payment accounts can be corresponding with certain or a plurality of Bank Account Number, described authorization information specifically comprises the consumption password of described payment accounts in the present embodiment, described consumption password is that the user confirms the voucher paid, is one of key message of verifying in the subsequent step; In the present embodiment, the identity data of described terminal device 10 specifically comprises the device number of car-mounted terminal equipment, this device number can unique identification one chassis mounted terminal equipment, can verify accordingly in the subsequent step on the terminal device that sends described payment affirmation message and whether bind Bank Account Number, in other embodiments, the identity data of described terminal device can also comprise the information such as title, model of this terminal device.
Need to prove, described payment accounts can to login the user account of terminal device 10 identical with the user, also can be different with it, consider the convenience of payment, in the present embodiment user is logined the user account of terminal device 10 as described payment accounts, described consumption password then is different from the login password that the user logins terminal device, as previously mentioned, described consumption password is that the user confirms the voucher paid, and described login password then is the voucher that the user enters the operating system of terminal device.
In the present embodiment, even logined terminal device 10 before the user, safety in order to ensure payment, before starting payment, still be necessary user's identity information is verified again, and user's identity information is verified it is identity information authentication unit 102 realizations that comprise by described terminal device 10.In the present embodiment, described identity information authentication unit 102 links to each other with described payment affirmation unit 101, before the operation information receiving element reception user who is suitable for comprising in described payment affirmation unit 101 responds the operation information of described payment prompting, described user's identity information is verified.Fig. 4 is the synoptic diagram that user's identity information is verified, the process that 102 couples of users' of described identity information authentication unit identity information is verified as shown in Figure 4, the user is with user name, password login terminal device 10, terminal device 10 is with described user name, password is sent to Cloud Server 20 and verifies (also can verify in terminal device 10 this locality among other embodiment), whether Cloud Server 20 conforms to by high in the clouds database 20a checking username and password, whether this user is the registered user of this terminal device 10, and the return results of high in the clouds database 20a is sent to described terminal device 10.Need to prove, checking user's identity information, except verifying that foregoing user logins the user account and login password of operating system of terminal device, comprise also whether this user of checking is the registered user of this terminal device, therefore, in the present embodiment, the checking that 102 couples of described users' of described identity information authentication unit identity information carries out comprises whether the described user of checking is the registered user of car-mounted terminal equipment, if checking is the registered user of car-mounted terminal equipment by then showing described user, the car owner of this car-mounted terminal equipment place vehicle of the general concrete finger of the registered user of described car-mounted terminal equipment, certainly, in other embodiments, described registered user also can be other users that the car owner authorizes, for example household of this car owner etc.
In the present embodiment, described terminal device 10 also comprises binding checking unit 103, link to each other with described payment affirmation unit 101, be suitable for before described payment affirmation unit 101 sends payment affirmation message, checking whether described user's payment accounts has bound Bank Account Number on this terminal device 10.As previously mentioned, have only the payment accounts as the user to be in activation (open-minded) state, could be with the operation of paying of this payment accounts, and the activation of payment accounts is specifically referred to set up at terminal device the binding relationship of payment accounts and certain or a plurality of Bank Account Numbers, paying with payment accounts namely is that Bank Account Number to set up binding relationship with described payment accounts is paid.In the present embodiment, the identity data of described user's payment accounts and described terminal device 10, Bank Account Number is one to one, namely a payment accounts can only be carried out delivery operation at a station terminal equipment of correspondence, this payment accounts is only corresponding Bank Account Number also, so, only in the payment accounts of described terminal device foundation with the binding relationship of Bank Account Number, could be with the operation of paying of a Bank Account Number of correspondence, other Bank Account Numbers of this user can't be paid equally, and other users' payment accounts also can't be paid on this terminal device.Concern one to one between described user's payment accounts, the identity data of described terminal device, the Bank Account Number and can effectively guarantee security of payment.
In the present embodiment, described terminal device 10 also comprises binding Tip element 104, links to each other with described binding checking unit 103, is suitable for pointing out described user to carry out bindings when described binding checking unit 103 checks out that described payment accounts is not bound Bank Account Number.For realizing described bindings, described Cloud Server 20 also comprises:
Bind request receiving element (not shown), be suitable for receiving the bind request that described terminal device 10 is submitted to, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal device;
Bind request processing unit (not shown), link to each other with described bind request receiving element, be suitable for calling the binding interface, described bind request is committed to described paying server 30 to be verified, and Receipt Validation by after the binding result that returns, upgrade and store described payment accounts in the information of described terminal device 10 binding Bank Account Numbers;
Binding result feedback unit (not shown) links to each other with described bind request processing unit, is suitable for returning described binding result to described terminal device 10.
In the present embodiment, described terminal device also comprises ciphering unit 105, links to each other with described payment affirmation unit 101, is suitable for the entrained information of described payment affirmation message is encrypted processing.Ciphering unit 105 is specifically as follows encryption control and/or the digital certificate that is arranged on the described terminal device 10, thereby can guarantee the information safety of transmission.
Described Cloud Server 20 is after receiving the described payment affirmation message that terminal device 10 sends, from the business server 40 of the described first sequence information correspondence, extract second sequence information by described authentication unit 201, with described second sequence information described first sequence information is verified.
In the present embodiment, described Cloud Server 20 also comprises binding checking unit 203, is suitable for checking also whether described payment accounts binds Bank Account Number at described terminal device before described authentication unit 201 extracts described second sequence information.Particularly, after receiving described payment affirmation message, check by binding checking unit 203 whether the described payment accounts of carrying in this payment affirmation message binds Bank Account Number at described terminal device 10, do not bind Bank Account Number if check out, then can send the binding information to terminal device 10, carry out bindings with the prompting user.Need to prove, check out that in the binding checking unit 103 of terminal device 10 payment accounts is behind this terminal device 10 binding Bank Account Numbers, the binding checking unit 203 of Cloud Server 20 need check this equally, and is as the criterion with the result that the binding checking unit 203 of Cloud Server 20 checks.
In the present embodiment, before authentication unit 201 extracts described second sequence information, also need this order and corresponding businessman thereof are assert, therefore, described Cloud Server 20 also comprises sequence information inspection unit 204, link to each other with authentication unit 201, be suitable for before described authentication unit 201 extracts described second sequence information, the order number that comprises in described first sequence information and corresponding trade company thereof number are checked, to the inspection of described order number comprise check this order number form whether correct and this order number whether belong to corresponding trade company, the inspection of described trade company number is comprised check whether registered registration and be in state of activation of this trade company number.
If the checking result of the identification of above-mentioned binding, order and corresponding merchant thereof is all no problem, then the authentication unit 201 by Cloud Server 20 extracts second sequence information from the business server 40 of the described first sequence information correspondence, with described second sequence information described first sequence information is verified.Because when generating order data, the business server 40 of terminal device 10 and this order correspondence all can receive described order data, for the ease of difference, in the present embodiment, the order data that terminal device 10 is received is called first sequence information, and the described order data that described business server 40 receives is called second sequence information, in general, first sequence information and second sequence information should be identical, yet, because terminal device 10 is sent to described first sequence information in the process of described Cloud Server 20, also may occur in terminal device 10 and revise the situation generation of described first sequence information, be that the user is in the situation of terminal device 10 cheatings, for example revise payment etc., at this moment, in order to ensure the security of transaction, can from the business server 40 of the described first sequence information correspondence, extract second sequence information, first sequence information is verified.In the present embodiment, described authentication unit 201 is verified specifically and can be comprised described first sequence information with described second sequence information: verify whether order number in described first sequence information exists, payment whether and this order consistent with payment in described second sequence information whether finished payment.
In the present embodiment, described Cloud Server 20 also comprises transaction record generation unit 205, links to each other with described authentication unit 201, is suitable for when verifying out that this order is not finished payment, generate the transaction record corresponding with described order number, described transaction record comprises pay status and described transaction number.
Particularly, if authentication unit 201 is verified out this order and has been finished payment, then Cloud Server 20 can send prompting to terminal device 10, thereby the situation of avoiding repeating to pay takes place, if verify out when this order is not finished payment, then generate the transaction record corresponding with described order number by transaction record generation unit 205, described transaction record comprises pay status and transaction number.Need to prove, the order number of an order is unique, transaction number for this order then may exist a plurality of, because after generating an order, can pay to it, payment may also may be failed in success, therefore there is the situation that this order is carried out repeatedly delivery operation, can carry out retry to delivery operation after the failure, also can cancel this order, in addition, can also select to carry out the reimbursement operation after paying successfully in the given time, above-mentioned repeatedly delivery operation, the operation of recalling an order, reimbursement operation etc. can be considered as process of exchange, can produce corresponding transaction number, the delivery operation of paying server described in the subsequent step 30 is not order number corresponding to described transaction number yet.
When reality was implemented, an order number only allowed to carry out a transaction processing in global scope, for example: when certain order is in the state of delivery operation, then do not allow to carry out the reimbursement operation this moment or this order is carried out a delivery operation again.Therefore, in the present embodiment, described Cloud Server 20 also comprises the screen unit (not shown), is suitable in the schedule time after receiving described payment affirmation message, shields the processing to other payment affirmation message with the order number in described first sequence information.The described schedule time can be set according to actual conditions, is set usually to greater than finishing the required time of the operating process of once concluding the business for example 1 minute, 2 minutes, 5 minutes etc.
After the checking of 201 pairs of described first sequence informations of authentication unit is passed through, call the payment interface (not shown) by the payment request unit 202 of described Cloud Server 20, submit the payment request to paying server 30; Wherein, carry the identity data of payment, the payment accounts of paying object, the transaction number related with described first sequence information, described user and authorization information, terminal device 10 in the described payment request at least.Described payment interface is the interface corresponding to described paying server 30, is used for submitting described payment request to paying server 30.Described payment request unit 202 extracts the identity data of payment, the payment accounts of paying object, described user and authorization information, terminal device 10 at least from described first sequence information by checking, the transaction number corresponding with described order number that generates during in conjunction with checking first sequence information, namely the transaction number related with described first sequence information generates described payment request.
After receiving described payment request, described paying server 30 obtains corresponding Bank Account Number based on described user's payment accounts and the identity data of terminal device 10, and finishes payment by the back with described Bank Account Number in described authorization information checking.
Set up the binding relationship of payment accounts and Bank Account Number at terminal device 10 after, the identity data of terminal device 10, user's payment accounts and authorization information, corresponding relation between the Bank Account Number is stored on the described paying server 30, based on this stored relation, described paying server 30 just can be based on the payment accounts of the described user in the described payment request, the identity data of terminal device 10 obtains be used to the Bank Account Number that carries out actual delivery, be that described paying server 30 is by inquiring about the described user's who sets up in advance payment accounts, the identity data of terminal device 10 and the binding relationship of Bank Account Number obtain the Bank Account Number corresponding with described user's payment accounts.After getting access to described Bank Account Number, described paying server 30 also can be verified the described authorization information in the described payment request (specifically comprising the consumption password in the present embodiment), if checking is passed through, then by the bank server communication corresponding with described Bank Account Number, by described bank server to the operation of withholing of described Bank Account Number, thereby finish payment.Certainly, described paying server 30 also can be bank server, directly described Bank Account Number is withholdd operation to finish payment.
In the present embodiment, described paying server 30 is after receiving described payment request, obtain the Bank Account Number corresponding with described payment accounts, and before described authorization information verified, also other information in the described payment request are verified, being comprised: verify whether described transaction number exists, described payment accounts whether on described terminal device 10 whether enough, the described payment accounts of remaining sum and its consumption password in the Bank Account Number corresponding with described Bank Account Number binding, described payment accounts whether mate.
In the present embodiment, described paying server 30 also is suitable for paying successfully or failing and then return payment result to described Cloud Server 20, described Cloud Server 20 also comprises renewal feedback unit 206, be suitable for after receiving described payment result, upgrading described pay status, and finish signal to described business server 40 transmission payments.
In the present embodiment, described Cloud Server 20 also comprises transaction management unit (not shown), is suitable in the mode of transaction management the execution result in the payment process being carried out mark.Cloud Server 20 is in whole payment flow, the step that has a plurality of checkings or inspection, each step can produce the result of success or failure, it is exactly that the result queue that each step is carried out is " success " or " failure " that described transaction management unit carries out mark in the mode of transaction management to the execution result in the payment process, transaction status is labeled as " finishing " or " not finishing ", for instance, consult Fig. 3, Cloud Server 20 is after receiving described payment affirmation message, just start affairs, after this operation of carrying out as previously described, until receiving the payment result that paying server 30 returns, upgrade pay status, and finish signal to business server 40 transmission payments, record traffic flowing water, finish affairs, each step in the whole flow of transactions can be carried out mark with " success " or " failure ", so, can know the state current of living in of understanding certain delivery operation, also be convenient to relevant operation personnel payment process is managed and controls.
Need to prove, in whole payment process, from starting delivery operation, finish until delivery operation, the identity data of described terminal device 10 plays crucial effects, because its unique identification one station terminal equipment, associated user's delivery operation can only realize by the terminal device of appointment, on other-end equipment, then be difficult to finish payment, and in the proof procedure of Cloud Server 20, paying server 30, all need the identity data of terminal device 10 is verified, guaranteed security of payment thus.
In addition, described electronic fare payment system based on the cloud data processing technique also comprises the operation control module 50 that links to each other with described Cloud Server 20, be suitable for the process of consumption and payment is controlled, comprise: check current implementation status, the inquiry payment of payment transaction record, remove the user payment accounts on terminal device 10 with binding of Bank Account Number etc.Operation and contact staff can be according to different mandates, can check the transaction implementation status by operation control module 50, can inquiring user business flowing water, can check the transaction health degree, and can help user's unbind etc.
Described electronic fare payment system based on the cloud data processing technique also comprises O﹠M monitoring unit 60, link to each other with described Cloud Server 20, be suitable for monitoring the operation conditions of described Cloud Server 20, comprise: implementation status and the automatic-alarm receiver system of setting of checking system mistake, infrastructure health status, payment.The O﹠M personnel are by O﹠M monitoring unit 60, and the execution error situation that can check Cloud Server 20 is checked infrastructure health status, check the trade transactions implementation status, can check professional health degree situation, can set automatic-alarm receiver system, reach the purpose of automatic monitoring health status etc.
Described electronic fare payment system based on the cloud data processing technique also comprises the financial management unit 70 with described Cloud Server 20, paying server 30, business server 40 communications, be suitable for consumption and payment is carried out the operation of financial management, comprise: the reconciliation of consumption and payment and inquiry, execution reimbursement operation, modification pay status.Included terminal device 10, Cloud Server 20, paying server 30, the business server 40 of the electronic fare payment system based on the cloud data processing technique that the user relies on the embodiment of the invention to provide realizes payment, after many payment transactions are finished, the financial staff need carry out operations such as reconciliation, inquiry, reimbursement to these payment transactions, this moment can be by financial management unit 70, finish the transaction reconciliation, carry out Transaction Inquiries, execution reimbursement operation, check all kinds of summary information, revise stateful transaction etc.
To sum up, the electronic fare payment system based on the cloud data processing technique that the embodiment of the invention provides has following beneficial effect at least:
Send payment affirmation message by terminal device to Cloud Server, described payment affirmation message is carried first sequence information, user's payment accounts and authorization information, the identity data of terminal device, Cloud Server is after receiving this payment affirmation message, from the business server of the first sequence information correspondence, extract second sequence information, first sequence information is verified, and pass through the back in checking and submit the payment request to paying server, at least carry payment in the described payment request, the payment object, the transaction number related with first sequence information, payment accounts and authorization information, the identity data of terminal device, paying server is after receiving the payment request, obtain and payment accounts, the Bank Account Number that the identity data of terminal device is corresponding, and finish payment by the back with this Bank Account Number in the checking of described authorization information, thereby make the user can be convenient by described payment accounts, realize payment safely.
Though the present invention with preferred embodiment openly as above; but it is not to limit the present invention; any those skilled in the art without departing from the spirit and scope of the present invention; can utilize method and the technology contents of above-mentioned announcement that technical solution of the present invention is made possible change and modification; therefore; every content that does not break away from technical solution of the present invention; to any simple modification, equivalent variations and modification that above embodiment does, all belong to the protection domain of technical solution of the present invention according to technical spirit of the present invention.
Claims (21)
1. electronic fare payment system based on the cloud data processing technique, it is characterized in that, comprising: terminal device, be suitable for the Cloud Server of described terminal device communication, be suitable for the paying server of described Cloud Server communication and be suitable for business server with described Cloud Server communication;
Described terminal device comprises the payment affirmation unit, and described payment affirmation unit is suitable for sending payment affirmation message to Cloud Server based on user's operation information; Wherein, carry the identity data of first sequence information, described user's payment accounts and authorization information, terminal device in the described payment affirmation message;
Described Cloud Server comprises:
Authentication unit is suitable for after receiving described payment affirmation message, extracts second sequence information from the business server of the described first sequence information correspondence, with described second sequence information described first sequence information is verified;
The payment request unit is suitable for calling payment interface after the checking of described first sequence information is passed through, and submits the payment request to paying server; Wherein, carry the identity data of payment, the payment accounts of paying object, the transaction number related with described first sequence information, described user and authorization information, terminal device in the described payment request at least;
Described business server is suitable for providing described second sequence information corresponding with described first sequence information to described Cloud Server;
Described paying server is suitable for after receiving described payment request, obtains corresponding Bank Account Number based on described user's payment accounts and the identity data of terminal device, and finishes payment by the back with described Bank Account Number in described authorization information checking.
2. the electronic fare payment system based on the cloud data processing technique according to claim 1 is characterized in that, described payment affirmation unit comprises:
The prompting receiving element is suitable for receiving the payment prompting corresponding to described first sequence information from described Cloud Server;
The operation information receiving element is suitable for receiving the operation information that the user responds described payment prompting, and described user's operation information comprises described user's payment accounts and authorization information;
Generation unit, the identity data that is suitable for the operation information with described user, described first sequence information, terminal device generates described payment affirmation message.
3. the electronic fare payment system based on the cloud data processing technique according to claim 1 is characterized in that, described terminal device also comprises the identity information authentication unit, is suitable for described user's identity information is verified.
4. the electronic fare payment system based on the cloud data processing technique according to claim 3, it is characterized in that described identity information authentication unit comprises the checking that described user's identity information carries out: verify whether described user is the registered user of described terminal device.
5. the electronic fare payment system based on the cloud data processing technique according to claim 1, it is characterized in that, described terminal device also comprises the binding checking unit, is suitable for checking whether described user's payment accounts has bound Bank Account Number on this terminal device before sending payment affirmation message.
6. the electronic fare payment system based on the cloud data processing technique according to claim 5, it is characterized in that, described terminal device also comprises the binding Tip element, is suitable for when checking out that described payment accounts is not bound Bank Account Number, points out described user to carry out bindings.
7. the electronic fare payment system based on the cloud data processing technique according to claim 1 is characterized in that, described Cloud Server also comprises:
The bind request receiving element, be suitable for receiving the bind request that described terminal device is submitted to, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal device;
The bind request processing unit, be suitable for calling the binding interface, described bind request is committed to described paying server verifies, and Receipt Validation by after the binding result that returns, upgrade and store described payment accounts in the information of described terminal device binding Bank Account Number;
The binding result feedback unit is suitable for returning described binding result to described terminal device.
8. the electronic fare payment system based on the cloud data processing technique according to claim 1, it is characterized in that, described Cloud Server also comprises the binding checking unit, is suitable for checking whether described payment accounts binds Bank Account Number at described terminal device before extracting described second sequence information.
9. the electronic fare payment system based on the cloud data processing technique according to claim 1, it is characterized in that, described Cloud Server also comprises the sequence information inspection unit, be suitable for before extracting described second sequence information, the order number that comprises in described first sequence information and corresponding trade company thereof number are checked, to the inspection of described order number comprise check this order number form whether correct and this order number whether belong to corresponding trade company, the inspection of described trade company number is comprised check whether registered registration and be in state of activation of this trade company number.
10. the electronic fare payment system based on the cloud data processing technique according to claim 1, it is characterized in that, described Cloud Server also comprises screen unit, be suitable in the schedule time after receiving described payment affirmation message, shield the processing to other payment affirmation message with the order number in described first sequence information.
11. the electronic fare payment system based on the cloud data processing technique according to claim 1, it is characterized in that, described authentication unit verifies whether the order number in described first sequence information exists, payment whether and this order consistent with payment in described second sequence information whether finished payment.
12. the electronic fare payment system based on the cloud data processing technique according to claim 11, it is characterized in that, described Cloud Server also comprises the transaction record generation unit, be suitable for when verifying out that this order is not finished payment, generate the transaction record corresponding with described order number, described transaction record comprises pay status and described transaction number.
13. the electronic fare payment system based on the cloud data processing technique according to claim 12, it is characterized in that, described paying server also is suitable for paying successfully or failing and then return payment result to described Cloud Server, described Cloud Server also comprises the renewal feedback unit, be suitable for after receiving described payment result, upgrading described pay status, and finish signal to described business server transmission payment.
14. the electronic fare payment system based on the cloud data processing technique according to claim 1, it is characterized in that, the described user's that described paying server inquiry is set up in advance payment accounts, the identity data of terminal device and the binding relationship of Bank Account Number obtain the Bank Account Number corresponding with described user's payment accounts.
15. the electronic fare payment system based on the cloud data processing technique according to claim 1 is characterized in that described terminal device also comprises ciphering unit, is suitable for the entrained information of described payment affirmation message is encrypted processing.
16. the electronic fare payment system based on the cloud data processing technique according to claim 1 is characterized in that described Cloud Server also comprises the transaction management unit, is suitable in the mode of transaction management the execution result in the payment process being carried out mark.
17. the electronic fare payment system based on the cloud data processing technique according to claim 1 is characterized in that, also comprises the operation control module that links to each other with described Cloud Server, is suitable for the process of consumption and payment is controlled.
18. the electronic fare payment system based on the cloud data processing technique according to claim 1 is characterized in that, also comprises the O﹠M monitoring unit that links to each other with described Cloud Server, is suitable for monitoring the operation conditions of described Cloud Server.
19. the electronic fare payment system based on the cloud data processing technique according to claim 1, it is characterized in that, also comprise and the financial management unit of described Cloud Server, paying server, business server communication, be suitable for consumption and payment is carried out the operation of financial management.
20. the electronic fare payment system based on the cloud data processing technique according to claim 1 is characterized in that, described payment accounts is corresponding one by one with identity data, the Bank Account Number of described terminal device.
21. the electronic fare payment system based on the cloud data processing technique according to claim 1 is characterized in that, described terminal device is car-mounted terminal equipment.
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| CN201110457362XA CN103186860A (en) | 2011-12-30 | 2011-12-30 | Electronic payment system based on cloud data processing technology |
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| CN201110457362XA CN103186860A (en) | 2011-12-30 | 2011-12-30 | Electronic payment system based on cloud data processing technology |
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| CN108960806A (en) * | 2017-05-17 | 2018-12-07 | 北京博瑞彤芸文化传播股份有限公司 | payment processing method |
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| US9589122B2 (en) | 2013-11-19 | 2017-03-07 | Tencent Technology (Shenzhen) Company Limited | Operation processing method and device |
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| CN103888263B (en) * | 2014-04-04 | 2017-07-11 | 国建正坤数字科技（北京）有限公司 | A kind of security solution method for being applied to mobile business affairs system |
| CN103888263A (en) * | 2014-04-04 | 2014-06-25 | 国建正坤数字科技（北京）有限公司 | Security realizing method applied to mobile business system |
| CN103927649A (en) * | 2014-04-25 | 2014-07-16 | 彭卫 | Interactive E-bank achieving method and system |
| CN104182872A (en) * | 2014-07-31 | 2014-12-03 | 刘雷 | Data processing system and method based on mobile communication terminal |
| CN104182872B (en) * | 2014-07-31 | 2018-03-13 | 刘雷 | Data handling system and method based on mobile communication terminal |
| WO2017012048A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Method, device, and system for receiving certificate |
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| CN108960806A (en) * | 2017-05-17 | 2018-12-07 | 北京博瑞彤芸文化传播股份有限公司 | payment processing method |
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| CN107516201A (en) * | 2017-08-31 | 2017-12-26 | 江西博瑞彤芸科技有限公司 | A kind of order method of payment |
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| CN109064166A (en) * | 2018-07-27 | 2018-12-21 | 上海与德科技有限公司 | A kind of method of payment, device, terminal and readable medium |
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| CN111008207B (en) * | 2019-11-22 | 2023-08-04 | 口碑(上海)信息技术有限公司 | Method, device and equipment for processing resource data |
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