CN103186861A - Electronic payment method based on cloud data processing technology - Google Patents
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Abstract
Disclosed is an electronic payment method based on a cloud data processing technology. The electronic payment method based on the cloud data processing technology comprises the steps that terminal equipment sends payment confirming information to a 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; after receiving the payment confirming information, the cloud server extracts second order form information from a merchant server corresponding to the first order form information, verifies the first order form information according to the second order form information, and submits payment requests to a 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 after receiving the payment requests, the payment server acquires a bank account corresponding to the payment account, and payment is finished through the bank account after the verifying information is verified. The technical scheme is that the electronic payment method 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 electric paying method 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 electric paying method 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 electric paying method based on the cloud data processing technique, comprising:
Terminal device sends 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;
After receiving described payment affirmation message, described Cloud Server 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;
After the checking of described first sequence information was passed through, described Cloud Server called payment interface, submitted 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;
After receiving described payment request, described paying server 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 terminal device sends payment affirmation message based on user's operation information and comprises:
Reception is from the payment prompting corresponding to described first sequence information of described Cloud Server;
Receive the operation information that the user responds described payment prompting, described user's operation information comprises described user's payment accounts and authorization information;
Identity data with described user's operation information, described first sequence information, terminal device generates described payment affirmation message.
Optionally, described electric paying method based on the cloud data processing technique also comprises: before the operation information that receives described user, described user's identity information is verified.
Optionally, the checking that described user's identity information is carried out comprises: verify whether described user is the registered user of described terminal device.
Optionally, described terminal device comprises also whether the payment accounts that checks described user has bound Bank Account Number on this terminal device before sending payment affirmation message.
Optionally, when described terminal device checked out that described payment accounts is not bound Bank Account Number, the prompting user carried out bindings.
Optionally, described bindings comprises:
Described Cloud Server receives the bind request that described terminal device is submitted to, and 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;
Call the binding interface, described bind request be committed to described paying server verify, 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;
Return described binding result to described terminal device.
Optionally, described electric paying method based on the cloud data processing technique also comprises: before extracting described second sequence information, described Cloud Server checks also whether described payment accounts binds Bank Account Number at described terminal device.
Optionally, described electric paying method based on the cloud data processing technique also comprises: before extracting described second sequence information, described Cloud Server also number checks the order number that comprises in described first sequence information and corresponding trade company thereof, 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, in the schedule time after receiving described payment affirmation message, described Cloud Server shields the processing to other payment affirmation message with the order number in described first sequence information.
Optionally, with described second sequence information described first sequence information is verified and is comprised: 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 electric paying method based on the cloud data processing technique also comprises: when verifying out that this order is not finished payment, generate the transaction record corresponding with described order number by described Cloud Server, described transaction record comprises pay status and described transaction number.
Optionally, described paying server is being paid successfully or is being failed and then return payment result to described Cloud Server, and described Cloud Server upgrades described pay status after receiving described payment result, and finishes signal to described business server transmission payment.
Optionally, described paying server obtains corresponding Bank Account Number based on the identity data of described user's payment accounts and terminal device and comprises: the described user's that 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 electric paying method based on the cloud data processing technique also comprises the entrained information of described payment affirmation message is encrypted processing.
Optionally, described electric paying method based on the cloud data processing technique also comprises in the mode of transaction management the execution result in the payment process is carried out mark.
Optionally, described electric paying method based on the cloud data processing technique, described user's payment accounts is corresponding one by one with the identity data of described terminal device, Bank Account Number.
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 schematic flow sheet based on the electric paying method of cloud data processing technique that embodiment of the present invention provides;
Fig. 2 is the electronic payment process synoptic diagram based on the cloud data processing technique that the embodiment of the invention provides;
Fig. 3 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 schematic flow sheet based on the method for payment of cloud data processing technique that Fig. 1 embodiment of the present invention provides, as shown in Figure 1, described method of payment based on the cloud data processing technique comprises:
Step S101, terminal device sends 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;
Step S102, after receiving described payment affirmation message, described Cloud Server 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;
Step S103, after the checking of described first sequence information was passed through, described Cloud Server called payment interface, submitted 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;
Step S104, after receiving described payment request, described paying server 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.
Fig. 2 is the electronic payment process synoptic diagram based on the cloud data processing technique that the embodiment of the invention provides.Below in conjunction with Fig. 1 and Fig. 2, with specific embodiment above-mentioned electric paying method based on the cloud data processing technique is elaborated.
In the present embodiment, described terminal device 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 electric paying method based on the cloud data processing technique that present embodiment provides, and just can be with described payment accounts safety, realization payment easily.
Execution in step S101 at first, terminal device sends 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.
After the user logins described car-mounted terminal equipment, 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 car-mounted terminal equipment, the user selectes required commodity, trigger the order operation information, after car-mounted terminal equipment receives user's described order operation information, generate order data, and described order data is committed to Cloud Server handles, after described Cloud Server realization is handled the high in the clouds of described order data, be committed to the business server corresponding with this order data, after described business server is handled described order data, provide the order corresponding with described order data to determine signal to described Cloud Server, described Cloud Server sends the payment prompting corresponding with described order data to car-mounted terminal equipment, and car-mounted terminal equipment 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 car-mounted terminal equipment 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, terminal device described in the step S101 comprises based on user's operation information transmission payment affirmation message:
Step S101a receives the payment prompting corresponding to described first sequence information from described Cloud Server;
Step S101b receives 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;
Step S101c generates described payment affirmation message with the identity data of described user's operation information, described first sequence information, terminal device.
Wherein, described first sequence information has has just generated and stored in described car-mounted terminal equipment receive user's described order operation information at car-mounted terminal equipment 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 car-mounted terminal equipment 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 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 car-mounted terminal equipment 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 car-mounted terminal equipment as described payment accounts, described consumption password then is different from the login password that the user logins car-mounted terminal equipment, 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 car-mounted terminal equipment.
In the present embodiment, even logined car-mounted terminal equipment before the user, safety in order to ensure payment, before starting payment, still be necessary user's identity information is verified again, namely before reception user described in the step S101a responds the operation information of described payment prompting, also described user's identity information is verified.Fig. 3 is the synoptic diagram that user's identity information is verified, the process that user's identity information is verified as shown in Figure 3, the user is with user name, password login car-mounted terminal equipment, car-mounted terminal equipment is with described user name, password is sent to Cloud Server and verifies (also can verify in car-mounted terminal equipment this locality among other embodiment), whether Cloud Server conforms to by high in the clouds database authentication username and password, whether this user is the registered user of this car-mounted terminal equipment, and the return results of high in the clouds database is sent to described car-mounted terminal equipment.Need to prove, checking user's identity information, except verifying that foregoing user logins the user account and login password of operating system of car-mounted terminal equipment, comprise also whether this user of checking is the registered user of this car-mounted terminal equipment, therefore, in the present embodiment, the checking that described user's identity information is carried out comprises whether the described user of checking is the registered user of described 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, car-mounted terminal equipment comprises also whether the payment accounts that checks described user has bound Bank Account Number on this terminal device before sending described payment affirmation message.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 car-mounted terminal equipment 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 car-mounted terminal equipment, Bank Account Number is one to one, namely a payment accounts can only be carried out delivery operation at a chassis mounted terminal equipment of correspondence, this payment accounts is only corresponding Bank Account Number also, so, only in the payment accounts of described car-mounted terminal equipment 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 car-mounted terminal equipment.Concern one to one between the identity data of described user's payment accounts, described car-mounted terminal equipment, the Bank Account Number and can effectively guarantee security of payment.
In the present embodiment, when the car-mounted terminal equipment inspection goes out described payment accounts and do not bind Bank Account Number, then point out the user to carry out bindings.Described bindings specifically comprises:
Described Cloud Server receives the bind request that described car-mounted terminal equipment is submitted to, and 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 car-mounted terminal equipment;
Call the binding interface, described bind request be committed to described paying server verify, and Receipt Validation by after the binding result that returns, upgrade and store described payment accounts in the information of described car-mounted terminal equipment binding Bank Account Number;
Return described binding result to described car-mounted terminal equipment.
The electric paying method based on the cloud data processing technique that present embodiment provides also comprises: the entrained information of described payment affirmation message is encrypted processing.Specifically be by at described car-mounted terminal equipment relevant encryption control and/or digital certificate being set, thereby can guarantee the information safety of transmission.
After car-mounted terminal equipment sends described payment affirmation message, execution in step S102, after receiving described payment affirmation message, described Cloud Server 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.
Particularly, after receiving described payment affirmation message, Cloud Server can check at first generally whether the described payment accounts of carrying in this payment affirmation message binds Bank Account Number at described car-mounted terminal equipment, do not bind Bank Account Number if check out, then can send the binding information to car-mounted terminal equipment, carry out bindings with the prompting user.Need to prove that go out payment accounts behind this car-mounted terminal equipment binding Bank Account Number in the car-mounted terminal equipment inspection, Cloud Server need check this equally, and be as the criterion with the result of Cloud Server inspection.
In the present embodiment, before extracting described second sequence information, also comprise the step that the businessman of this order and correspondence thereof is assert, that is: described Cloud Server also number checks the order number that comprises in described first sequence information and corresponding trade company thereof, 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 that whether this trade company number register and be in state of activation at described Cloud Server.
If the checking result of the identification of above-mentioned binding, order and corresponding merchant thereof is all no problem, described Cloud Server then 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.Because when generating order data, the business server of car-mounted terminal equipment and this order correspondence all can receive described order data, for the ease of difference, in the present embodiment, the order data that car-mounted terminal equipment is received is called first sequence information, and the described order data that described business server receives is called second sequence information, in general, first sequence information and second sequence information should be identical, yet, because car-mounted terminal equipment is sent to described first sequence information in the process of described Cloud Server, the situation that also may occur in described first sequence information of car-mounted terminal apparatus modifications takes place, be that the user is in the situation of car-mounted terminal equipment cheating, for example revise payment etc., at this moment, in order to ensure security, can from the business server of the described first sequence information correspondence, extract second sequence information, first sequence information is verified.In the present embodiment, with described second sequence information described first sequence information is verified specifically and can be comprised: 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, finished payment if verify out this order, then send prompting to car-mounted terminal equipment, 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 described Cloud Server, 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 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, in the schedule time after receiving described payment affirmation message, described Cloud Server 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 step S102, execution in step S103, after the checking of described first sequence information was passed through, described Cloud Server called payment interface, submitted 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 payment interface is the interface corresponding to described paying server, is used for submitting described payment request to paying server.Described Cloud Server extracts the identity data of payment, the payment accounts of paying object, described user and authorization information, terminal device 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 the step S103, execution in step S104, after receiving described payment request, described paying server 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.
Set up the binding relationship of payment accounts and Bank Account Number at car-mounted terminal equipment after, corresponding relation between the identity data of car-mounted terminal equipment, user's payment accounts and authorization information, the Bank Account Number is stored on the described paying server, based on this stored relation, described paying server just can obtain be used to the Bank Account Number that carries out actual delivery based on the payment accounts of the described user in the described payment request, the identity data of terminal device.To be paying server described in the step S104 obtain corresponding Bank Account Number based on the identity data of described user's payment accounts and terminal device comprises: the described user's that 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.After getting access to described Bank Account Number, described paying server 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 corresponding with described Bank Account Number bank server carries out communication, by described bank server to the operation of withholing of described Bank Account Number, thereby finish payment.Certainly, described paying server also can be bank server, directly described Bank Account Number is withholdd operation to finish payment.
In the present embodiment, described paying server 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 car-mounted terminal equipment 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 addition, described paying server pay successfully or fail after can return payment result to described Cloud Server, described Cloud Server then upgrades described pay status after receiving described payment result, and sends payment to described business server and finish signal.
In the present embodiment, described electric paying method based on the cloud data processing technique also comprises: the mode with transaction management is carried out mark to the execution result in the payment process.In whole payment flow, the step that has a plurality of checkings or inspection, each step can produce the result of success or failure, in the mode of transaction management the execution result in the payment process being carried out mark is exactly that the result queue that each step is carried out is " success " or " failure ", transaction status is labeled as " finishing " or " not finishing ", for instance, consult Fig. 2, Cloud Server 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 returns, upgrade pay status, and finish signal to business server transmission payment, 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 car-mounted terminal equipment plays crucial effects, because its unique identification one chassis mounted terminal equipment, associated user's delivery operation can only realize by the car-mounted terminal equipment of appointment, on other car-mounted terminal equipment, then be difficult to finish payment, and in the proof procedure of Cloud Server, paying server, all need the identity data of car-mounted terminal equipment is verified, guaranteed security of payment thus.
To sum up, the electric paying method 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 (18)
1. the electric paying method based on the cloud data processing technique is characterized in that, comprising:
Terminal device sends 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;
After receiving described payment affirmation message, described Cloud Server 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;
After the checking of described first sequence information was passed through, described Cloud Server called payment interface, submitted 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;
After receiving described payment request, described paying server 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 electric paying method based on the cloud data processing technique according to claim 1 is characterized in that, described terminal device comprises based on user's operation information transmission payment affirmation message:
Reception is from the payment prompting corresponding to described first sequence information of described Cloud Server;
Receive the operation information that the user responds described payment prompting, described user's operation information comprises described user's payment accounts and authorization information;
Identity data with described user's operation information, described first sequence information, terminal device generates described payment affirmation message.
3. the electric paying method based on the cloud data processing technique according to claim 2 is characterized in that, also comprises: before the operation information that receives described user, described user's identity information is verified.
4. the electric paying method based on the cloud data processing technique according to claim 3 is characterized in that, the checking that described user's identity information is carried out comprises: verify whether described user is the registered user of described terminal device.
5. the electric paying method based on the cloud data processing technique according to claim 1, it is characterized in that, described terminal device comprises also whether the payment accounts that checks described user has bound Bank Account Number on this terminal device before sending payment affirmation message.
6. the electric paying method based on the cloud data processing technique according to claim 5 is characterized in that, when described terminal device checked out that described payment accounts is not bound Bank Account Number, the prompting user carried out bindings.
7. the electric paying method based on the cloud data processing technique according to claim 6 is characterized in that, described bindings comprises:
Described Cloud Server receives the bind request that described terminal device is submitted to, and 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;
Call the binding interface, described bind request be committed to described paying server verify, 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;
Return described binding result to described terminal device.
8. the electric paying method based on the cloud data processing technique according to claim 1, it is characterized in that, also comprise: before extracting described second sequence information, described Cloud Server checks also whether described payment accounts binds Bank Account Number at described terminal device.
9. the electric paying method based on the cloud data processing technique according to claim 1, it is characterized in that, also comprise: before extracting described second sequence information, described Cloud Server also number checks the order number that comprises in described first sequence information and corresponding trade company thereof, 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 electric paying method based on the cloud data processing technique according to claim 1, it is characterized in that, in the schedule time after receiving described payment affirmation message, described Cloud Server shields the processing to other payment affirmation message with the order number in described first sequence information.
11. the electric paying method based on the cloud data processing technique according to claim 1, it is characterized in that, with described second sequence information described first sequence information is verified to comprise: 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.
12. the electric paying method based on the cloud data processing technique according to claim 11, it is characterized in that, also comprise: when verifying out that this order is not finished payment, generate the transaction record corresponding with described order number by described Cloud Server, described transaction record comprises pay status and described transaction number.
13. the electric paying method based on the cloud data processing technique according to claim 12, it is characterized in that, described paying server is being paid successfully or is being failed and then return payment result to described Cloud Server, described Cloud Server upgrades described pay status after receiving described payment result, and finishes signal to described business server transmission payment.
14. the electric paying method based on the cloud data processing technique according to claim 1, it is characterized in that, described paying server obtains corresponding Bank Account Number based on the identity data of described user's payment accounts and terminal device and comprises: the described user's that 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 electric paying method based on the cloud data processing technique according to claim 1 is characterized in that, also comprises the entrained information of described payment affirmation message is encrypted processing.
16. the electric paying method based on the cloud data processing technique according to claim 1 is characterized in that, also comprises in the mode of transaction management the execution result in the payment process is carried out mark.
17. the electric paying method based on the cloud data processing technique according to claim 1 is characterized in that, described user's payment accounts is corresponding one by one with the identity data of described terminal device, Bank Account Number.
18. the electric paying method 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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