CN106296141A - A kind of method and device realizing paying - Google Patents
A kind of method and device realizing paying Download PDFInfo
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- CN106296141A CN106296141A CN201510300736.5A CN201510300736A CN106296141A CN 106296141 A CN106296141 A CN 106296141A CN 201510300736 A CN201510300736 A CN 201510300736A CN 106296141 A CN106296141 A CN 106296141A
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- 238000000034 method Methods 0.000 title claims abstract description 66
- 230000008569 process Effects 0.000 claims abstract description 25
- 230000004044 response Effects 0.000 claims description 30
- 238000012790 confirmation Methods 0.000 claims description 20
- 229910052709 silver Inorganic materials 0.000 claims description 8
- 239000004332 silver Substances 0.000 claims description 8
- 238000012545 processing Methods 0.000 claims description 7
- 230000005540 biological transmission Effects 0.000 claims description 5
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 5
- 229910052737 gold Inorganic materials 0.000 claims description 5
- 239000010931 gold Substances 0.000 claims description 5
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 claims 2
- 238000012546 transfer Methods 0.000 abstract description 14
- 230000006870 function Effects 0.000 description 15
- 238000010586 diagram Methods 0.000 description 14
- 238000005516 engineering process Methods 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a kind of method and device realizing and paying, including: the payment that the first payment platform inputs according to first user, send payment message to banking system；Described first payment platform receives the graphical information that described banking system generates after the process of withholing completing the account to described first payment platform according to described payment message, and described graphical information includes described payment；Described graphical information is sent the terminal unit to the second user by described first payment platform, so that described terminal unit is according to described graphical information, sending, to described banking system, the request of payment, described payment is asked for indicating described banking system to proceed to described payment in the account of second payment platform of described second user.Thus, cross-platform fund transfer can conveniently be realized, such that it is able to promote the experience of user.
Description
Technical field
The application relates to field of computer technology, particularly relates to a kind of method and device realizing and paying.
Background technology
Along with the development of Internet technology, network payment platform emerges in an endless stream, and e.g., existing network payment is put down
Platform has: Alipay, wechat pay, wealth is paid and passed to and Baidu's wallet etc..
But, prior art can only carry out fund transfer between each account of same payment platform, when with
When cross-platform fund transfer is wanted to realize in family, such as, it is transferred to when wanting the fund by payment platform A
During payment platform B, can only first manually the fund of payment platform A be transferred to and bank card, the most again from
Fund is transferred in bank card payment platform B, and the process of the most whole fund transfer needs user manually to grasp
Make, and operating process is loaded down with trivial details.
Summary of the invention
The embodiment of the present application provides a kind of method and device realizing and paying, and can conveniently realize cross-platform
Fund shifts.
First aspect, it is provided that one realizes the method paid, and the method includes:
The payment that first payment platform inputs according to first user, sends payment message to banking system；
Described first payment platform receives described banking system and completes described the according to described payment message
The graphical information generated after the process of withholing of the account of one payment platform, described graphical information includes described
Pay the amount of money；
Described graphical information is sent the terminal unit to the second user by described first payment platform, so that institute
Stating terminal unit according to described graphical information, send, to described banking system, the request of payment, described payment please
Ask described for indicating described banking system to proceed in the account of second payment platform of described second user
Payment.
Second aspect, it is provided that one realizes the method paid, and the method includes:
Banking system receives the payment of the payment transmission that the first payment platform inputs according to first user and disappears
Breath；
Described banking system completes withholing of account to described first payment platform according to described payment message
Processing, and generate graphical information, described graphical information includes described payment；
Described banking system sends described graphical information to described first payment platform, so that described first pays
Platform forwards described graphical information to the terminal unit of the second user；
Described banking system receives the terminal unit of described second user according to the described graphical information received
The payment request sent；
Described banking system proceeds to described payment gold in the account of second payment platform of described second user
Volume.
The third aspect, it is provided that a kind of device realizing paying, this device includes: transmitting element and reception are single
Unit；
Described transmitting element, for the payment according to first user input, sends to banking system and pays
Message；
Described reception unit, is used for receiving described banking system and completes described according to described payment message
The graphical information generated after the process of withholing of the account of one payment platform, described graphical information includes described
Pay the amount of money；
Described transmitting element, the described graphical information being additionally operable to receive described reception unit sends to second
The terminal unit of user, so that described terminal unit is according to described graphical information, sends out to described banking system
Payment request, described payment is sent to ask for indicating described banking system to second of described second user
Pay in the account of platform and proceed to described payment.
Fourth aspect, it is provided that a kind of device realizing paying, this device includes: receives unit, generate list
Unit, transmitting element and proceed to unit；
Described reception unit, the payment inputted according to first user for receiving the first payment platform sends
Payment message；
Described signal generating unit, the described payment message for receiving according to described reception unit completes described the
The process of withholing of the account of one payment platform, and generate graphical information, described graphical information includes described
Pay the amount of money；
Described transmitting element, for sending, to described first payment platform, the described figure that described signal generating unit generates
Shape information, so that described first payment platform forwards described graphical information to the terminal unit of the second user；
Described reception unit, is additionally operable to the terminal unit receiving described second user according to the described figure received
The payment request that shape information sends；
Described proceed to unit, described for proceeding in the account of second payment platform of described second user
Payment.
The method and device realizing paying that the application provides, is realizing the fund transfer of the first payment platform
During to the second payment platform, the first payment platform first sends payment message to banking system, then receives silver
The graphical information that row system generates after completing to deduct corresponding fund from the account of the first payment platform,
And the graphical information received is sent the terminal unit to the second user, the terminal unit of the second user is connecing
After receiving graphical information, send, to banking system, the request of payment, and completed to second by banking system
Pay in the account of platform and proceed to above-mentioned corresponding fund；Thus, can conveniently realize cross-platform fund transfer,
Such that it is able to promote the experience of user.
Accompanying drawing explanation
The method flow diagram realizing paying that Fig. 1 provides for a kind of embodiment of the application；
Fig. 2 fills in the schematic diagram of the page for the payment message that the application provides；
One of schematic diagram of the first picture that Fig. 3 provides for the application；
The two of the schematic diagram of the first picture that Fig. 4 provides for the application；
The schematic diagram paying the page that Fig. 5 provides for the application；
The method flow diagram realizing paying that Fig. 6 provides for the application another kind embodiment；
The device schematic diagram realizing paying that Fig. 7 provides for another embodiment of the application；
The device schematic diagram realizing paying that Fig. 8 provides for the application another embodiment.
Detailed description of the invention
For making the purpose of the embodiment of the present application, technical scheme and advantage clearer, below in conjunction with this Shen
Please accompanying drawing in embodiment, the technical scheme in the embodiment of the present application is clearly and completely described,
Obviously, described embodiment is some embodiments of the present application rather than whole embodiments.Based on
Embodiment in the application, those of ordinary skill in the art are obtained under not making creative work premise
The every other embodiment obtained, broadly falls into the scope of the application protection.
For ease of the understanding to the embodiment of the present application, do further with specific embodiment below in conjunction with accompanying drawing
Explanation, embodiment is not intended that the restriction to the embodiment of the present application.
The method and device realizing paying that the embodiment of the present application provides, it is adaptable to across the fund of payment platform
The scene of transfer, wherein, payment platform can be Alipay, wechat pays, wealth is paid and passed to and Baidu's money
Bag etc..Specifically, it is adaptable to the fund of the first payment platform is transferred to the second payment platform, and first
Payment platform and the second payment platform are different payment platforms.
Payment platform in the embodiment of the present application includes client and service end, and wherein, client can realize
Mutual, including obtaining the information of user's input and displaying to the user that object information with user；Service end is used
Process in the information that user is inputted, and obtain object information；Additionally, the service end in the application
Can also include management system, this management system has two functions: first function is, to from client
The information that end receives stores；Second function is, the function of storage fund, e.g., can pass through net
Silver or Third-party payment platform proceed to fund in management system, it is also possible to transfer money from management system
Gold is to banking system, namely this management system has the account of correspondence.
The method flow diagram realizing paying that Fig. 1 provides for a kind of embodiment of the application.The execution of described method
Main body can be the first payment platform, as it is shown in figure 1, described method specifically may include that
Step 110, the payment that the first payment platform inputs according to first user, send to banking system
Payment message.
By the first payment platform for for as a example by Alipay system, can be in the homepage of the client of Alipay system
Newly-increased " check " function in the page or service window, or also can be new in existing " transferring accounts " option
Increase " check " function, when first user opens above-mentioned " check " function, then eject as shown in Figure 2
Payment message fill in the page；In this page, first user can input payment, remark information
And need the letter etc. of re-authentication, wherein it is desired to the information of re-authentication can be come by shift knob
Input, e.g., when shift knob is open mode, then it represents that need re-authentication；And work as shift knob
During for closed mode, then it represents that need not re-authentication.
In Fig. 2, after first user inputs whole information, and when clicking on " determination " button, first
The client paying platform sends the first payment message to the management system of service end, and this first payment message can
To include account and the payment of first user input of the first payment platform, management system is receiving
After above-mentioned first payment message, complete the account to described first payment platform according to described payment
The process of withholing at family, and proceed to described payment in the account of management system；Afterwards, management system
Sending the second payment message to banking system again, this second payment message can include the account of management system
And above-mentioned payment, banking system completes the account to described management system according to above-mentioned payment
Process of withholing.
It should be noted that when the button of the client of the first payment platform is open mode, namely need
During secondary-confirmation, the most above-mentioned first payment message and the second payment message can also include needing secondary-confirmation
Information and the terminal device information of first user；Banking system after receiving the second payment message,
If judging, the second payment message includes the terminal unit letter of information and the first user needing secondary-confirmation
Breath, then store described payment message, for this payment message allocation identification information；Additionally, above-mentioned management system
Withholing that the account to the first payment platform of uniting is carried out is processed as normal online payment flow process, can pass through
Net silver or Third-party payment platform realize.
Also, it should be noted in Fig. 2, after first user inputs whole information, and click on " determination "
During button, it is defeated that the client of the first payment platform can also send first user to the management system of service end
The whole information entered and other relevant information, wherein, other relevant information may include that first
Pay the account of platform, the information (e.g., name and head portrait) of first user and the terminal of first user
Facility information (e.g., string number, media interviews control (Media Access Control, MAC) address or
Person's phone number) etc.；Management system receives and records information and other phase of above-mentioned first user input
Pass information.
Step 120, described first payment platform receives described banking system and completes according to described payment message
To the graphical information generated after the process of withholing of the account of described first payment platform, described graphical information bag
Include described payment.
In Fig. 2, after banking system completes to withhold accordingly and processes, according to propping up in the second payment message
Paying the amount of money and generate graphical information, wherein, this graphical information can be Quick Response Code.
Alternatively, described graphical information can also be by described banking system according to described payment and described
Banking system is that the identification information of described payment message distribution generates.
Banking system, after generating above-mentioned graphical information, sends above-mentioned figure to the client of the first payment platform
Shape information.Specifically, the graphical information of generation is first sent to the management of the first payment platform by banking system
System, is forwarded to the first payment platform by the graphical information of reception again by the management system of the first payment platform
Client.
It should be noted that above-mentioned graphical information can also be the Quick Response Code of encryption, the Quick Response Code of this encryption can
To ensure the safety of information in Quick Response Code, as can ensure that the safety of payment and identification information.Tool
Body ground, banking system can be according to default AES (e.g., symmetric encipherment algorithm or asymmetric add
Close algorithm) payment and identification information are encrypted, generate cipher-text information, then according to ciphertext
Information generates Quick Response Code.Herein, the Quick Response Code generated according to cipher-text information is the Quick Response Code of encryption.
Step 130, the terminal of described graphical information transmission to the second user is set by described first payment platform
Standby, so that described terminal unit is according to described graphical information, send, to described banking system, the request of payment,
Described payment is asked for indicating described banking system to the account of second payment platform of described second user
In proceed to described payment.
Alternatively, after the client of the first payment platform receives the graphical information that banking system sends, root
The first picture is determined according to described graphical information.In actual applications, it is also possible to according to described graphical information,
Whole information of first user input and other relevant information, determine the first picture.Specifically can join
One of schematic diagram of the first picture as shown in Figure 3, this first picture includes payment, remark information
And the graphical information etc. received.
" determination " after the client of the first payment platform determines the first picture, in clicking on Fig. 3
After button, it is possible to by modes such as wechat, microblogging, multimedia message, mail or printing pictures by above-mentioned
First picture is sent to the terminal unit of the second user.The schematic diagram of the first picture shown in Figure 4 it
Two, this first picture is the picture that the terminal unit of the second user shows, this first picture includes first
Information (e.g., head portrait and name etc.), payment, remark information and the graphical information etc. of user.
After the terminal unit of the second user receives above-mentioned first picture, described first picture can be carried out figure
As identifying processing, obtain described graphical information.
Wherein, terminal unit described in step 130, according to described graphical information, sends to described banking system
Payment request includes:
Described Quick Response Code is decoded by described terminal unit by decoder, it is thus achieved that described payment；
Described terminal unit sends, to described banking system, the request of payment, and described payment request includes described second
The account of payment platform and described payment.
Herein, decoder can be arbitrary software being decoded the graphical information received.As,
When graphical information is Quick Response Code, the most above-mentioned decoder can be the client of Alipay wallet, it is also possible to for
The client etc. of wechat wallet.To the graphical information in Fig. 4, it is entered by the second user by decoder
Row decoding, e.g., after the above-mentioned graphical information of " sweep and sweep " functionality scan of Alipay wallet, just
The payment page shown in Fig. 5 can be ejected, it is possible to get the information such as payment.In Fig. 5, can
Select to receive Account Type with the selection instruction according to second user's input, e.g., can be wechat wallet
Account and the account etc. of Baidu's wallet, thus, it is possible to realize cross-platform fund transfer.
If additionally, this graphical information is generated according to payment and identification information by banking system,
After then graphical information being decoded, it is also possible to get identification information.
Certainly, if the Quick Response Code that the graphical information that terminal unit receives is encryption, then decoder is being passed through
Can first read cipher-text information during Quick Response Code is decoded, preset further according to above-mentioned afterwards
Decipherment algorithm corresponding to AES cipher-text information is decrypted, described payment can be got
And identification information.
In Fig. 5, have selected Account Type according to the selection instruction of second user's input, and inputting corresponding
After account and name, when clicking on " determination " button, then can send, to banking system, the request of payment,
This payment request can include the information such as account and the payment of second payment platform of the second user,
Identification information can also be included.Banking system, after receiving above-mentioned payment request, is used to described second
The account of second payment platform at family proceeds to described payment.
Alternatively, pay request also include identification information time, banking system described in described step 130 to
The account of second payment platform of described second user proceeds to described payment include:
Described banking system, according to described identification information, reads described from the described payment message stored
The terminal device information of one user；
Described banking system is to the terminal of the first user corresponding with the terminal device information of described first user
Equipment sends confirmation request；
Described banking system according to the terminal unit of described first user the response of described confirmation request come to
The account of second payment platform of described second user proceeds to described payment.
Under a kind of scene, when banking system also includes identification information in judging payment request, first basis
Identification information, reads terminal device information (e.g., the mobile phone of first user from the payment message stored
Number), then by the way of note, send confirmation request, silver to the mobile phone that above-mentioned phone number is corresponding
Row system is after receiving the response message of confirmation request, it is judged that this response message is to represent the message confirmed
Time, in the account of second payment platform of described second user, proceed to described payment.
Certainly, in actual applications, banking system can also otherwise (e.g., mail) to first
The terminal unit of user sends confirmation request, and this is not construed as limiting by the application.
The method realizing paying that the application provides, is transferred to second in realization by the fund of the first payment platform
During payment platform, the first payment platform first sends payment message to banking system, then receives banking system
Complete the graphical information of generation after the first payment platform deducts corresponding fund, and the figure that will receive
Information sends to the terminal unit of the second user, the terminal unit of the second user receive graphical information it
After, send, to banking system, the request of payment, and completed to proceed in the second payment platform by banking system
State corresponding fund；Thus, cross-platform fund transfer can conveniently be realized, such that it is able to promote user's
Experience.
The method flow diagram realizing paying that Fig. 6 provides for another kind embodiment of the present invention.Holding of described method
Row main body can be banking system, as it is shown in figure 1, described method specifically may include that
Step 610, banking system receives the payment transmission that the first payment platform inputs according to first user
Payment message.
By the first payment platform for for as a example by Alipay system, can be in the homepage of the client of Alipay system
Newly-increased " check " function in the page or service window, or also can be new in existing " transferring accounts " option
Increase " check " function, when first user opens above-mentioned " check " function, then eject as shown in Figure 2
Payment message fill in the page；In this page, first user can input payment, remark information
And need the letter etc. of re-authentication, wherein it is desired to the information of re-authentication can be come by shift knob
Input, e.g., when shift knob is open mode, then it represents that need re-authentication；And work as shift knob
During for closed mode, then it represents that need not re-authentication.
In Fig. 2, after first user inputs whole information, and when clicking on " determination " button, first
The client paying platform sends the first payment message to the management system of service end, and this first payment message can
To include account and the payment of first user input of the first payment platform, management system is receiving
After above-mentioned first payment message, complete the account to described first payment platform according to described payment
The process of withholing at family, and proceed to described payment in the account of management system；Afterwards, management system
Sending the second payment message to banking system again, this second payment message can include the account of management system
And above-mentioned payment, banking system completes the account to described management system according to above-mentioned payment
Process of withholing.
It should be noted that above-mentioned management system withholing of carrying out the account of the first payment platform is just processed as
Normal online payment flow process, can be realized by Net silver or Third-party payment platform.
Also, it should be noted in Fig. 2, after first user inputs whole information, and click on " determination "
During button, it is defeated that the client of the first payment platform can also send first user to the management system of service end
The whole information entered and other relevant information, wherein, other relevant information may include that first
Pay the account of platform, the information (e.g., name and head portrait) of first user and the terminal of first user
Facility information (e.g., string number, MAC Address or phone number) etc.；Management system receives and records above-mentioned
The information of first user input and other relevant information.
Step 620, described banking system completes the account to described first payment platform according to described payment message
The process of withholing at family, and generate graphical information, described graphical information includes described payment.
In Fig. 2, after banking system completes to withhold accordingly and processes, according to propping up in the second payment message
Paying the amount of money and generate graphical information, wherein, this graphical information can be Quick Response Code.
Alternatively, receive, in described banking system, the payment that the first payment platform inputs according to first user
After the payment message sent, described method also includes:
Described banking system judges that described payment message includes needing the information and described first of re-authentication
During the terminal device information of user, store described payment message, for described payment message allocation identification information；
Described generation graphical information includes:
Described graphical information is generated according to described payment and described identification information.
Namely when the button of the client of the first payment platform is open mode, namely need secondary-confirmation
Time, the most above-mentioned first payment message and the second payment message can also include the information needing secondary-confirmation with
And the terminal device information of first user；Banking system is after receiving the second payment message, it is judged that if
Second payment message includes the terminal device information of information and the first user needing secondary-confirmation, then
Store described payment message, for this payment message allocation identification information.
Step 630, described banking system sends described graphical information to described first payment platform, so that institute
State the first payment platform and forward described graphical information to the terminal unit of the second user.
Banking system, after generating above-mentioned graphical information, sends above-mentioned figure to the client of the first payment platform
Shape information.Specifically, the graphical information of generation is first sent to the management of the first payment platform by banking system
System, is forwarded to the first payment platform by the graphical information of reception again by the management system of the first payment platform
Client.
Alternatively, after the client of the first payment platform receives the graphical information that banking system sends, root
The first picture is determined according to described graphical information.In actual applications, it is also possible to according to described graphical information,
Whole information of first user input and other relevant information, determine the first picture.Specifically can join
One of schematic diagram of the first picture as shown in Figure 3, this first picture includes payment, remark information
And the graphical information etc. received.
" determination " after the client of the first payment platform determines the first picture, in clicking on Fig. 3
After button, it is possible to by modes such as wechat, microblogging, multimedia message, mail or printing pictures by above-mentioned
First picture is sent to the terminal unit of the second user.The two of first picture schematic diagram shown in Figure 4,
This first picture is the picture that the terminal unit of the second user shows, this first picture includes first user
Information (e.g., head portrait and name etc.), payment, remark information and graphical information etc..The
After the terminal unit of two users receives above-mentioned first picture, described first picture can be carried out image
Identifying processing, obtains described graphical information.
Step 640, the terminal unit that described banking system receives described second user is according to receive
The payment request that graphical information sends.
The terminal unit of the second user is after receiving the graphical information that the first payment platform sends, if this figure
Information is Quick Response Code, then described Quick Response Code is decoded by terminal unit by decoder, it is thus achieved that described
Pay the amount of money；Sending, to described banking system, the request of payment, described payment request includes that described second payment is flat
The account of platform and described payment.
Herein, decoder can be arbitrary software being decoded the graphical information received.As,
When graphical information is Quick Response Code, the most above-mentioned decoder can be the client of Alipay wallet, it is also possible to for
The client etc. of wechat wallet.To the graphical information in Fig. 4, the terminal unit of the second user is by decoding
It is decoded by device, e.g., by the above-mentioned graphical information of " sweep and sweep " functionality scan of Alipay wallet
Afterwards, it is possible to eject the payment page shown in Fig. 5, it is possible to get the information such as payment.Fig. 5
In, can select to receive Account Type according to the selection instruction of second user's input, e.g., can be wechat
The account of wallet and the account etc. of Baidu's wallet, thus, it is possible to realize cross-platform fund transfer.
If additionally, this graphical information is generated according to payment and identification information by banking system,
After then graphical information being decoded, it is also possible to get identification information.
In Fig. 5, have selected Account Type according to the selection instruction of second user's input, and inputting corresponding
After account and name, when clicking on " determination " button, then can send, to banking system, the request of payment.
Step 650, described banking system proceeds to institute in the account of second payment platform of described second user
State payment.
This payment request can include the letters such as account and the payment of second payment platform of the second user
Breath, it is also possible to include identification information.Banking system is after receiving above-mentioned payment request, to described the
The account of second payment platform of two users proceeds to described payment.
Alternatively, described payment request includes described identification information and described payment；
Described banking system proceeds to described payment gold in the account of second payment platform of described second user
Volume includes:
Described banking system, according to described identification information, reads described from the described payment message stored
The terminal device information of one user；
Described banking system is to the terminal of the first user corresponding with the terminal device information of described first user
Equipment sends confirmation request；
Described banking system according to the terminal unit of described first user the response of described confirmation request come to
The account of second payment platform of described second user proceeds to described payment.
Under a kind of scene, when banking system also includes identification information in judging payment request, first basis
Identification information, reads terminal device information (e.g., the mobile phone of first user from the payment message stored
Number), then by the way of note, send confirmation request, silver to the mobile phone that above-mentioned phone number is corresponding
Row system is after receiving the response message of confirmation request, it is judged that this response message is to represent the message confirmed
Time, in the account of second payment platform of described second user, proceed to described payment.
Certainly, in actual applications, banking system can also otherwise (e.g., mail) to first
The terminal unit of user sends confirmation request, and this is not construed as limiting by the application.
The method realizing paying that the application provides, is transferred to second in realization by the fund of the first payment platform
During payment platform, the first payment platform first sends payment message to banking system, then receives banking system
Complete the graphical information of generation after the first payment platform deducts corresponding fund, and the figure that will receive
Information sends to the terminal unit of the second user, the terminal unit of the second user receive graphical information it
After, send, to banking system, the request of payment, and completed to proceed in the second payment platform by banking system
State corresponding fund；Thus, cross-platform fund transfer can conveniently be realized, such that it is able to promote user's
Experience.
Accordingly, what the embodiment of the present application also provided for a kind of realizes paying the method paid with above-mentioned realization
Device, as it is shown in fig. 7, this device includes: transmitting element 701 and reception unit 702.
Transmitting element 701, for the payment according to first user input, sends to banking system and pays
Message.
Receive unit 702, be used for receiving described banking system and complete described the according to described payment message
The graphical information generated after the process of withholing of the account of one payment platform, described graphical information includes described
Pay the amount of money.
Alternatively, described graphical information is according to described payment and described bank by described banking system
System is that the identification information of described payment message distribution generates.
Transmitting element 701, is additionally operable to send to the second use the described graphical information that reception unit 702 receives
The terminal unit at family, so that described terminal unit is according to described graphical information, sends to described banking system
Paying request, described payment is asked for indicating the second payment to described second user of the described banking system
The account of platform proceeds to described payment.
Alternatively, described device also comprises determining that unit 703, for determining according to described graphical information
First picture；
Transmitting element 701 specifically for: described first picture is sent to the terminal unit of the second user.
Alternatively, described device also includes: recognition unit 704, for described first picture is carried out image
Identifying processing, obtains described graphical information.
Alternatively, described graphical information is Quick Response Code；
Described terminal unit, according to described graphical information, sends payment request to described banking system and includes:
Described Quick Response Code is decoded by described terminal unit by decoder, it is thus achieved that described payment；
Described terminal unit sends, to described banking system, the request of payment, and described payment request includes described second
The account of payment platform and described payment.
The function of each functional module of the embodiment of the present application device, can be by each step of said method embodiment
Suddenly realize, therefore, the specific works process of the device that the application provides, repeat the most again at this.
The device realizing paying that the embodiment of the present application provides, can conveniently realize cross-platform fund transfer, from
And the experience of user can be promoted.
The method paid with above-mentioned realization accordingly, a kind of dress realizing paying that the embodiment of the present application also provides for
Putting, as shown in Figure 8, this device includes: receive unit 801, signal generating unit 802, transmitting element 803
With proceed to unit 804.
Receiving unit 801, the payment inputted according to first user for receiving the first payment platform sends
Payment message.
Signal generating unit 802, for completing described the according to receiving the described payment message that unit 801 receives
The process of withholing of the account of one payment platform, and generate graphical information, described graphical information includes described
Pay the amount of money.
Transmitting element 803, for sending, to described first payment platform, the described figure that signal generating unit 802 generates
Shape information, so that described first payment platform forwards described graphical information to the terminal unit of the second user.
Receive unit 801, be additionally operable to the terminal unit receiving described second user according to the described figure received
The payment request that shape information sends.
Proceed to unit 804, for proceeding to described in the account of second payment platform of described second user
Pay the amount of money.
Alternatively, described payment request includes described identification information and described payment；
Proceed to unit 804 specifically for:
According to described identification information, from the described payment message stored, read the terminal of described first user
Facility information；
Send to the terminal unit of the first user corresponding with the terminal device information of described first user and confirm
Request；
The response of described confirmation request is come to described second user by the terminal unit according to described first user
The second payment platform account in proceed to described payment.
Alternatively, described device also includes: allocation unit 805, if judge described for described banking system
Payment message includes information and the terminal device information of described first user needing re-authentication, for institute
State payment message allocation identification information；
Signal generating unit 802 specifically for: generate described figure according to described payment and described identification information
Shape information.
The function of each functional module of the embodiment of the present application device, can be by each step of said method embodiment
Suddenly realize, therefore, the specific works process of the device that the application provides, repeat the most again at this.
The device realizing paying that the embodiment of the present application provides, can conveniently realize cross-platform fund transfer, from
And the experience of user can be promoted.
Professional should further appreciate that, describes in conjunction with the embodiments described herein
The object of each example and algorithm steps, it is possible to come with electronic hardware, computer software or the combination of the two
Realize, in order to clearly demonstrate the interchangeability of hardware and software, the most according to function
Generally describe composition and the step of each example.These functions are come with hardware or software mode actually
Perform, depend on application-specific and the design constraint of technical scheme.Professional and technical personnel can be to often
Individual specifically should being used for uses different methods to realize described function, but this realization it is not considered that
Beyond scope of the present application.
The method described in conjunction with the embodiments described herein or the step of algorithm can use hardware, process
The software module that device performs, or the combination of the two implements.Software module can be placed in random access memory
(RAM), internal memory, read only memory (ROM), electrically programmable ROM, electrically erasable ROM,
Other form any well known in depositor, hard disk, moveable magnetic disc, CD-ROM or technical field
Storage medium in.
Above-described detailed description of the invention, is carried out purpose, technical scheme and the beneficial effect of the application
Further describe, be it should be understood that the foregoing is only the application detailed description of the invention and
, it is not used to limit the protection domain of the application, all within spirit herein and principle, done
Any modification, equivalent substitution and improvement etc., within should be included in the protection domain of the application.
Claims (16)
1. the method realizing paying, it is characterised in that described method includes:
The payment that first payment platform inputs according to first user, sends payment message to banking system；
Described first payment platform receives described banking system and completes described the according to described payment message
The graphical information generated after the process of withholing of the account of one payment platform, described graphical information includes described
Pay the amount of money；
Described graphical information is sent the terminal unit to the second user by described first payment platform, so that described
Terminal unit, according to described graphical information, sends, to described banking system, the request of payment, and described payment is asked
For indicating described banking system to proceed to described in the account of second payment platform of described second user
Pay the amount of money.
Method the most according to claim 1, it is characterised in that described graphical information is by described silver
Row system is according to the identification information that described payment and described banking system are the distribution of described payment message
Generate.
Method the most according to claim 1 and 2, it is characterised in that described first payment platform exists
After receiving described graphical information, described method also includes:
Described first payment platform determines the first picture according to described graphical information；
The terminal unit of described graphical information transmission to the second user is included by described first payment platform:
Described first picture is sent the terminal unit to the second user by described first payment platform.
Method the most according to claim 3, it is characterised in that at described first payment platform by institute
Stating the first picture to send after the terminal unit of the second user, described method also includes:
The terminal unit of described second user carries out image recognition processing to described first picture, obtains described figure
Shape information.
5. according to the method described in any one of claim 1-4, it is characterised in that described graphical information is
Quick Response Code；
Described terminal unit, according to described graphical information, sends payment request to described banking system and includes:
Described Quick Response Code is decoded by described terminal unit by decoder, it is thus achieved that described payment；
Described terminal unit sends, to described banking system, the request of payment, and described payment request includes described second
The account of payment platform and described payment.
6. the method realizing paying, it is characterised in that described method includes:
Banking system receives the payment of the payment transmission that the first payment platform inputs according to first user and disappears
Breath；
Described banking system completes withholing of account to described first payment platform according to described payment message
Processing, and generate graphical information, described graphical information includes described payment；
Described banking system sends described graphical information to described first payment platform, so that described first pays
Platform forwards described graphical information to the terminal unit of the second user；
Described banking system receives the terminal unit of described second user according to the described graphical information received
The payment request sent；
Described banking system proceeds to described payment gold in the account of second payment platform of described second user
Volume.
Method the most according to claim 6, it is characterised in that receive first in described banking system
After the payment message that the payment that payment platform inputs according to first user sends, described method is also wrapped
Include:
Described banking system judges that described payment message includes needing the information and described first of re-authentication
During the terminal device information of user, store described payment message, for described payment message allocation identification information；
Described generation graphical information includes:
Described graphical information is generated according to described payment and described identification information.
Method the most according to claim 7, it is characterised in that described payment request includes described mark
Knowledge information and described payment；
Described banking system proceeds to described payment gold in the account of second payment platform of described second user
Volume includes:
Described banking system, according to described identification information, reads described from the described payment message stored
The terminal device information of one user；
Described banking system is to the terminal of the first user corresponding with the terminal device information of described first user
Equipment sends confirmation request；
Described banking system according to the terminal unit of described first user the response of described confirmation request come to
The account of second payment platform of described second user proceeds to described payment.
9. one kind realizes the device paid, it is characterised in that described device includes: transmitting element and reception
Unit；
Described transmitting element, for the payment according to first user input, sends to banking system and pays
Message；
Described reception unit, is used for receiving described banking system and completes described according to described payment message
The graphical information generated after the process of withholing of the account of one payment platform, described graphical information includes described
Pay the amount of money；
Described transmitting element, the described graphical information being additionally operable to be received by described reception unit sends to the second use
The terminal unit at family, so that described terminal unit is according to described graphical information, sends to described banking system
Paying request, described payment is asked for indicating the second payment to described second user of the described banking system
The account of platform proceeds to described payment.
Device the most according to claim 9, it is characterised in that described graphical information is by described silver
Row system is according to the identification information that described payment and described banking system are the distribution of described payment message
Generate.
11. according to the device described in claim 9 or 10, it is characterised in that described device also includes:
Determine unit, for determining the first picture according to described graphical information；
Described transmitting element specifically for: described first picture is sent to the terminal unit of the second user.
12. devices according to claim 11, it is characterised in that described device also includes: identify
Unit, for described first picture is carried out image recognition processing, obtains described graphical information.
13. according to the device described in any one of claim 9-12, it is characterised in that described graphical information
For Quick Response Code；
Described terminal unit, according to described graphical information, sends payment request to described banking system and includes:
Described Quick Response Code is decoded by described terminal unit by decoder, it is thus achieved that described payment；
Described terminal unit sends, to described banking system, the request of payment, and described payment request includes described second
The account of payment platform and described payment.
14. 1 kinds realize the device paid, it is characterised in that described device includes: receive unit, generation
Unit, transmitting element and proceed to unit；
Described reception unit, the payment inputted according to first user for receiving the first payment platform sends
Payment message；
Described signal generating unit, the described payment message for receiving according to described reception unit completes described the
The process of withholing of the account of one payment platform, and generate graphical information, described graphical information includes described
Pay the amount of money；
Described transmitting element, for sending, to described first payment platform, the described figure that described signal generating unit generates
Shape information, so that described first payment platform forwards described graphical information to the terminal unit of the second user；
Described reception unit, is additionally operable to the terminal unit receiving described second user according to the described figure received
The payment request that shape information sends；
Described proceed to unit, for proceeding to described in the account of second payment platform of described second user
Pay the amount of money.
15. devices according to claim 14, it is characterised in that described device also includes: distribution
Unit, if for described banking system judge described payment message include needing re-authentication information and
The terminal device information of described first user, for described payment message allocation identification information；
Described signal generating unit specifically for:
Described graphical information is generated according to described payment and described identification information.
16. devices according to claim 15, it is characterised in that described payment request includes described
Identification information and described payment；
Described proceed to unit specifically for:
According to described identification information, from the described payment message stored, read the terminal of described first user
Facility information；
Send to the terminal unit of the first user corresponding with the terminal device information of described first user and confirm
Request；
The response of described confirmation request is come to described second user by the terminal unit according to described first user
The second payment platform account in proceed to described payment.
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|---|---|---|---|
| CN201510300736.5A CN106296141A (en) | 2015-06-03 | 2015-06-03 | A kind of method and device realizing paying |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510300736.5A CN106296141A (en) | 2015-06-03 | 2015-06-03 | A kind of method and device realizing paying |
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| CN201510300736.5A Pending CN106296141A (en) | 2015-06-03 | 2015-06-03 | A kind of method and device realizing paying |
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