CN109767200B - Electronic payment method, device, system and storage medium - Google Patents
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- CN109767200B CN109767200B CN201811628979.1A CN201811628979A CN109767200B CN 109767200 B CN109767200 B CN 109767200B CN 201811628979 A CN201811628979 A CN 201811628979A CN 109767200 B CN109767200 B CN 109767200B
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention discloses an electronic payment method, an electronic payment device, an electronic payment system and a storage medium, which are used for reducing the resource expense of terminal equipment of a payment acceptance client while improving the electronic payment safety. The electronic payment system comprises: the payment acceptance system is used for sending an electronic payment acceptance request message to the switching platform, wherein the electronic payment acceptance request message carries a payment mechanism identifier; sending an electronic payment processing message to a payment processing system according to the jump address returned by the transfer platform, wherein the electronic payment processing message carries payment reference information; the switching platform is used for searching a jump address corresponding to the payment mechanism identifier from the corresponding relation between the stored payment mechanism identifier and the jump address of the payment processing system after receiving the electronic payment acceptance request message; returning a first response message to the payment acceptance system, wherein the first response message carries the jump address; and the payment processing system is used for completing the electronic payment according to the payment reference information after receiving the electronic payment processing message.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to an electronic payment method, device, system, and storage medium.
Background
Electronic payment refers to the act of using secure electronic means between a consumer, merchant and financial institution to securely transfer payment information over an information network to a bank or corresponding processing institution for effecting monetary payment or funds transfer.
The existing electronic payment method mainly comprises the following two steps: for a third party quick payment mode, a user inputs user bank account information, namely bank card four-element information, in a third party payment system in advance: name, ID card number, bank card number and mobile phone number, and request the bank card binding subscription to the bank payment processing system to open the third party quick payment, and when the subsequent user consumes the payment, only the third party payment system submits the subscription number of the user, transaction amount and other information, and requests the payment to the bank payment processing system. In the payment mode, each bank provides a payment and cashing system for a merchant, and the merchant needs to install payment acceptance systems of different banks on terminal equipment, so that more processing resources are occupied.
Therefore, how to reduce the resource overhead of the terminal device for installing the payment acceptance client while improving the security of the electronic payment method is one of the technical problems to be solved in the prior art.
Disclosure of Invention
The embodiment of the invention provides an electronic payment method, an electronic payment device, an electronic payment system and a storage medium, which are used for reducing the resource expense of terminal equipment of a payment acceptance client while improving the electronic payment safety.
In a first aspect, there is provided an electronic payment system comprising:
the payment acceptance system is used for sending an electronic payment acceptance request message to the switching platform, wherein the electronic payment acceptance request message carries a payment mechanism identifier; sending an electronic payment processing message to the payment processing system according to the jump address returned by the transfer platform, wherein the electronic payment processing message carries payment reference information;
the switching platform is used for searching the corresponding jump address of the payment mechanism identifier carried in the electronic payment acceptance request message from the corresponding relation between the stored payment mechanism identifier and the jump address of the payment processing system after receiving the electronic payment acceptance request message; returning a first response message to the payment acceptance system, wherein the first response message carries the jump address;
And the payment processing system is used for completing the electronic payment according to the payment reference information after receiving the electronic payment processing message.
Optionally, the payment acceptance system is further configured to send a payment mechanism list query message to the transit platform before sending the electronic payment acceptance request message to the transit platform;
the switching platform is further configured to return a second response message of the payment mechanism list query message to the payment processing system, where the second response message carries payment mechanism list information, and the payment mechanism list information at least includes the payment mechanism identifier.
The payment processing system is further used for returning a payment result notification message to the switching platform after the electronic payment is completed;
the switching platform is further used for forwarding the payment result notification message to the payment acceptance system.
Optionally, the payment processing system is specifically configured to perform identity verification on the payment user after receiving the electronic payment processing message, and complete the electronic payment after performing payment authentication according to the payment reference information after determining that the identity verification is passed.
Optionally, the payment acceptance system is specifically configured to invoke the payment acceptance client to send an electronic payment processing message by using the payment processing system according to the jump address returned by the transit platform.
In a second aspect, there is provided an electronic payment method, comprising:
receiving an electronic payment acceptance request message sent by a payment acceptance system, wherein the electronic payment acceptance request message carries a payment mechanism identifier;
searching a corresponding jump address of the payment mechanism identifier carried in the electronic payment acceptance request message from the corresponding relation between the stored payment mechanism identifier and the jump address of the payment processing system;
and sending a first response message to the payment acceptance system, wherein the first response message carries the jump address, the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, the electronic payment processing message carries payment reference information, and the payment processing system completes electronic payment according to the payment reference information.
Optionally, before receiving the electronic payment acceptance request message sent by the payment acceptance system, the method further includes:
receiving a payment mechanism list query message sent by the payment acceptance system;
And returning a second response message to the payment processing system aiming at the payment mechanism list query message, wherein the second response message carries payment mechanism list information, and the payment mechanism list information at least comprises the payment mechanism identification.
Optionally, the electronic payment method provided by the embodiment of the present invention further includes:
receiving a payment result notification message sent by the payment processing system after electronic payment is completed;
and forwarding the payment result notification message to the payment acceptance system.
In a third aspect, there is provided an electronic payment device comprising:
the receiving unit is used for receiving an electronic payment acceptance request message sent by the payment acceptance system, wherein the electronic payment acceptance request message carries a payment mechanism identifier;
the searching unit is used for searching the jump address corresponding to the payment mechanism identifier carried in the electronic payment acceptance request message from the corresponding relation between the stored payment mechanism identifier and the jump address of the payment processing system;
the response unit is used for sending a first response message to the payment acceptance system, wherein the first response message carries the jump address, the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, the electronic payment processing message carries payment reference information, and the payment processing system completes electronic payment according to the payment reference information.
The receiving unit is further configured to receive a payment mechanism list query message sent by the payment acceptance system before receiving the electronic payment acceptance request message sent by the payment acceptance system;
the response unit is further configured to return a second response message to the payment processing system for the payment mechanism list query message, where the second response message carries payment mechanism list information, and the payment mechanism list information at least includes the payment mechanism identifier.
Optionally, the receiving unit is further configured to receive a payment result notification packet sent by the payment processing system after the electronic payment is completed;
the response unit is further configured to forward the payment result notification packet to the payment acceptance system.
In a fourth aspect, a computing device is provided, comprising at least one processor, and at least one memory, wherein the memory stores a computer program that, when executed by the processor, causes the processor to perform any of the steps of the electronic payment method described above.
In a fifth aspect, there is provided a computer readable medium storing a computer program executable by a computing device, the program when run on the computing device causing the computing device to perform any of the steps of the electronic payment method described above.
According to the electronic payment method, device, system and storage medium provided by the embodiment of the invention, the payment acceptance system and the payment processing system are both connected to the transfer platform, when a user requests payment, the payment acceptance system sends an electronic payment acceptance message request to the transfer platform to obtain the jump address of the payment processing system, and sends the payment processing message to the payment processing system according to the jump address, and the payment processing system completes electronic payment processing.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims thereof as well as the appended drawings.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention and do not constitute a limitation on the invention. In the drawings:
fig. 1 is a schematic structural diagram of an electronic payment system according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a payment mechanism list query flow in accordance with an embodiment of the present invention;
FIG. 3 is a schematic diagram of an order payment page according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of payment mechanism listing information presented to a user in accordance with an embodiment of the present invention;
FIG. 5 is a schematic diagram of an interaction flow between a payment acceptance system, a transit platform and a payment processing system according to an embodiment of the invention;
FIG. 6 is a schematic diagram of an authentication interface according to an embodiment of the present invention;
FIG. 7 is a schematic diagram of an order confirmation page according to an embodiment of the present invention;
FIG. 8 is a schematic diagram of a payment confirmation authentication page according to an embodiment of the present invention;
FIG. 9 is a schematic diagram of an implementation flow of an electronic payment method implemented by a transit platform according to an embodiment of the present invention;
fig. 10 is a schematic structural diagram of an electronic payment device implemented on the transfer platform side according to an embodiment of the present invention;
FIG. 11 is a schematic diagram of a computing device according to an embodiment of the invention.
Detailed Description
In order to improve the security of electronic payment and reduce the resource overhead of a terminal device for installing a payment acceptance client, the embodiment of the invention provides an electronic payment method, an electronic payment device and a storage medium.
It should be noted that the terminal device in the present invention may be a personal computer (in english full name: personal Computer, PC), a tablet computer, a personal digital assistant (Personal Digita l Assistant, PDA), a personal communication service (in english full name: personalCommunication Service, PCs) telephone, a notebook, a mobile phone, or the like, or may be a computer having a mobile terminal, for example, a portable, pocket, hand-held, built-in computer, or a vehicle-mounted mobile device, which is a device capable of providing voice and/or data connectivity to a user, and exchanging voice and/or data with a radio access network.
Furthermore, the terms first, second and the like in the description and in the claims and in the above-described figures are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments described herein may be implemented in other sequences than those illustrated or otherwise described herein.
Reference herein to "a plurality of" or "a number" means two or more than two. "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a exists alone, A and B exist together, and B exists alone. The character "/" generally indicates that the context-dependent object is an "or" relationship.
The preferred embodiments of the present invention will be described below with reference to the accompanying drawings of the specification, it being understood that the preferred embodiments described herein are for illustration and explanation only, and not for limitation of the present invention, and embodiments of the present invention and features of the embodiments may be combined with each other without conflict.
Fig. 1 is a schematic structural diagram of an electronic payment system according to an embodiment of the present invention, including a payment acceptance system 101, a switching platform 102 and a payment processing system 103. The payment acceptance system comprises a payment acceptance background system, namely a payment acceptance server and a payment acceptance control, the payment acceptance control is integrated in a merchant application client, the payment processing system comprises a payment processing background system and a payment processing control, and the payment processing control can be integrated in a payment mechanism application program client, for example, in an APP (application program client) of each banking institution. The payment acceptance system and the payment processing system are connected with the switching platform in a unified way.
The payment acceptance system and the payment processing system are connected to the switching platform through the access layer. The access modes may be, but are not limited to, the following: and (5) special line access and public network access. The communication protocol between the transit platform and the various agency processing systems may be, but is not limited to, one employing TCP (Transmission Control Protocol ) and HTTP (Hyper Text Transport Protocol, hypertext transfer protocol). The message formats of the payment acceptance system and interactions between the payment processing system and the staging platform may be, but are not limited to, XML (EXtensible Markup Language ) formats, JSON (JavaScript Object Notation, javaScript object notation) formats, 8583 formats, and the like.
After the payment user opens the account, the payment mechanism stores the account information of the payment user, such as the account information (e.g. the bank card number), the identification card number, the name, and the like of the user, and when the payment mechanism is implemented, the user can also bind the binding relationship between the account information and the mobile phone number, and the like through the application client of the payment mechanism.
In the electronic payment system provided by the embodiment of the invention, a payment acceptance system is used for sending an electronic payment acceptance request message to a transfer platform, wherein the electronic payment acceptance request message carries a payment mechanism identifier; sending an electronic payment processing message to the payment processing system according to the jump address returned by the transfer platform, wherein the electronic payment processing message carries payment reference information;
The switching platform is used for searching the corresponding jump address of the payment mechanism identifier carried in the electronic payment acceptance request message from the corresponding relation between the stored payment mechanism identifier and the jump address of the payment processing system after receiving the electronic payment acceptance request message; returning a first response message to the payment acceptance system, wherein the first response message carries the jump address;
and the payment processing system is used for completing the electronic payment according to the payment reference information after receiving the electronic payment processing message.
The payment processing system is specifically configured to invoke a payment acceptance client to send an electronic payment processing message according to a jump address returned by the transfer platform; and after receiving the electronic payment processing message, carrying out identity verification on the payment user, and after the identity verification is confirmed to pass, carrying out payment authentication according to the payment reference information to complete electronic payment.
In specific implementation, the payment acceptance system is further configured to send a payment mechanism list query message to the switching platform before sending an electronic payment acceptance request message to the switching platform;
The switching platform is further configured to return a second response message of the payment mechanism list query message to the payment processing system, where the second response message carries payment mechanism list information, and the payment mechanism list information at least includes the payment mechanism identifier.
Optionally, the payment processing system is further configured to return a payment result notification packet to the transit platform after completing the electronic payment;
the switching platform is further used for forwarding the payment result notification message to the payment acceptance system.
The implementation flow of the electronic payment method provided by the embodiment of the invention is described in detail below with reference to the electronic payment system shown in fig. 1.
The switching platform provided by the embodiment of the invention can comprise the following functional modules: the system comprises a protocol analysis module, an online processing module, a routing strategy module, a message packaging module, an information service module and a configuration management module. The respective functional modules are described below.
The main function of the protocol analysis module is to analyze the request message and check the validity of the field format in the message. The embodiment of the invention mainly relates to the following messages: the payment mechanism list inquiry message and response message thereof, the electronic payment acceptance request message and response message thereof, the payment result notification message sent by the payment processing system, the payment result notification message sent to the payment acceptance system and the like.
The necessary fields contained in the response message of the payment mechanism list query message include payment mechanism list information, and the payment mechanism list information should include payment mechanism identifiers, and may further include at least one of the following: payment mechanism name, an icon of a payment mechanism application client, marketing information of a payment mechanism, a brief description of a payment mechanism application client, and so forth.
The necessary fields included in the electronic payment acceptance request message include payment mechanism identification and may further include payment reference information, where the payment reference information may include, but is not limited to, at least one of the following: payment transaction serial number, payment amount, order information, etc.
The necessary fields contained in the reply message of the electronic payment acceptance request message include the jump address of the payment mechanism processing system, and may further include payment reference information, where the payment reference information may include at least one of the following: payment transaction serial number, payment amount, order information, etc.
In order to improve the security of data transmission between the transfer platform and the payment acceptance system, encryption processing can be performed on the data transmitted between the transfer platform and the payment acceptance system during implementation.
The necessary fields included in the payment result notification message sent by the payment processing system include a payment result and may also include payment reference information, where the payment reference information may include, but is not limited to, at least one of the following: payment transaction serial number, payment amount, order information, etc.
The necessary fields included in the payment result notification message sent to the payment acceptance system include the payment result and may also include payment reference information, where the payment reference information may include, but is not limited to, at least one of the following: payment transaction serial number, payment amount, order information, etc.
In addition, in the embodiment of the invention, a message, namely an electronic payment processing message, is also related, the message is sent to a payment control in a payment processing system by the payment control in the payment acceptance system, and necessary fields included in the electronic payment processing message comprise payment reference information. In order to ensure the safety of data transmission, the data transmitted between the two can be transmitted after encryption processing.
The online processing module is mainly used for completing the processing flow of a transfer platform part in the electronic payment processing, and specifically comprises the following steps: and according to the electronic payment acceptance request message obtained by analyzing the protocol analysis message, extracting a payment mechanism identifier from the electronic payment acceptance request message, searching a jump address corresponding to the payment mechanism identifier stored in a database by using the payment mechanism identifier by the online processing module, and calling a message packaging module to generate a response message and returning the response message to the payment acceptance system.
The online processing module may also be used for payment mechanism list query flow, as follows: according to the payment mechanism list query message obtained by analyzing the protocol analysis message, a payment mechanism list which is stored in a database and supports the electronic payment method provided by the embodiment of the invention is obtained, and a message packaging module is called to generate a response message and return the response message to a payment acceptance system.
And the routing strategy module is mainly used for establishing communication links between the transit platform and each payment processing system. A communication link with the respective institution processing system is determined based on the payment institution identification corresponding to each payment institution.
The message packaging module is mainly used for generating a payment mechanism list query message and a response message thereof, an electronic payment acceptance request message and a response message and a payment result notification message of interaction between the switching platform and the payment acceptance mechanism.
In the embodiment of the present invention, for each payment processing system (corresponding to each payment processing mechanism respectively) of the access transit platform, a unique payment mechanism identifier is allocated to each payment processing system, for example, the length of the mechanism identifier may be 19 bits, such as 6250210000000000001, etc., it should be understood that the mechanism identifier is only used as an example, and in specific implementation, the mechanism identifier may be adjusted according to actual needs. The organization identifications assigned to the organizations may be stored by the configuration management module in a database of the transit platform. In addition, for convenience of management, the transit platform may also formulate a unified encoding rule for each payment processing organization to apply a client jump address, where the jump address may be a jump URL (uniform resource locator ), for example, a jump address corresponding to a certain organization is: 6250211000000000000:// app. In specific implementation, the corresponding relation between the payment mechanism identification and the jump address can be stored in a database of the transit platform.
The information service module is used for recording using habit data of a user in electronic payment, for example, payment mechanism information and the like selected when the electronic payment is completed.
For ease of description, the merchant application client is referred to hereinafter as a first application client and the payment mechanism application client is referred to hereinafter as a second application client.
In the embodiment of the invention, the payment acceptance control integrated in the first application client is abutted against the payment acceptance background processing system, and the second application client is called according to the obtained jump address in the electronic payment process, so that an electronic payment portal can be provided, namely, a user initiates an electronic payment request through the payment acceptance control, and functions such as a payment mechanism list display interface are provided. And the payment processing control integrated in the second application client is in butt joint with the payment processing system, and the main functions comprise user identity authentication, payment reference information confirmation, payment authentication, payment deduction and the like.
Based on the electronic payment system shown in fig. 1, when the payment user needs to make electronic payment in implementation, according to an embodiment of the present invention, the implementation may be performed according to the flow shown in fig. 2:
s21, a first application client installed in the user terminal sends an electronic payment request to a payment processing background system.
In implementation, the user terminal may be provided with a first application client and a second application client. The first application client is provided with a payment acceptance control, and the second application client is provided with a payment processing control.
In this step, the user selects order payment on the first application client as the order payment page shown in fig. 3, and triggers the first application client to invoke the payment acceptance control to send an electronic payment request to the payment acceptance background system.
S22, the payment acceptance background system sends a payment mechanism list query message to the switching platform.
S23, the switching platform returns a response message to the payment acceptance background system.
When the method is implemented, after receiving the payment mechanism list query message, the transfer platform firstly reaches the protocol analysis module, the protocol analysis module analyzes the message and provides the message to the online processing module, the online processing module acquires the payment mechanism list which is configured by the configuration management module and supports the electronic payment mode provided by the embodiment of the invention from the database, the message packaging module is called to generate a response message, the response message carries payment mechanism list information, and the payment mechanism list information at least comprises payment mechanism identifiers.
S24, the payment acceptance background system returns payment mechanism list information to the first application client.
In this step, the payment acceptance background system returns payment mechanism list information to the first application client.
S25, the first application client presents payment mechanism list information to the user for selection by the user.
In this step, a first application client installed in the user terminal presents payment mechanism list information to the user. As shown in fig. 4, which is a schematic diagram of payment mechanism list information presented to a user. And the user selects a payment mechanism to carry out electronic payment according to the payment mechanism list information presented by the first application client.
It should be noted that, in the implementation, if the first application client stores default payment structure information set by the user or only one payment mechanism in the payment mechanism list, when the user selects order payment, the payment mechanism may be selected by default for electronic payment.
In specific implementation, according to a payment mechanism selected from a payment mechanism list by a user, a first application client installed in a user terminal sends an electronic payment acceptance request message to a transfer platform through a payment acceptance background system, as shown in fig. 5, which is a schematic diagram of implementation flow of an electronic payment method in the embodiment of the invention, and includes the following steps:
S51, the first application client side sends an electronic payment acceptance request message to the payment acceptance background system.
In the implementation process, according to a payment mechanism selected by a user, a first application client installed in a user terminal sends an electronic payment acceptance request to a payment acceptance background system, wherein the electronic payment acceptance request carries a payment mechanism identifier. In specific implementation, the electronic payment acceptance request message may further carry payment reference information, where the payment reference information may include at least one of the following: payment transaction serial number, payment amount, order information, etc.
S52, the payment acceptance background system forwards the electronic payment acceptance request message to the switching platform.
S53, the switching platform searches a jump address corresponding to the mechanism identification carried in the electronic payment acceptance request message.
When the method is implemented, after the transfer platform receives the electronic payment acceptance request message, the protocol analysis module analyzes the electronic payment acceptance request message and provides the electronic payment acceptance request message to the online processing module, the online processing module extracts the payment mechanism identification in the electronic payment acceptance request message, searches the jump address corresponding to the extracted mechanism identification from the corresponding relation between the payment mechanism identification stored in the database and the jump address of the payment processing system, invokes the message packaging module, generates a response message of the electronic payment acceptance request message, and returns the response message to the payment acceptance background system.
S54, the switching platform returns a response message to the payment acceptance background system.
The reply message carries the found jump address.
In the implementation, the switching platform can also forward the electronic payment acceptance request message to a payment processing background system in the payment processing system after receiving the electronic payment acceptance request message, the payment processing background system records the payment reference information carried in the electronic payment acceptance request message, and returns a response message of the electronic payment acceptance request message to the switching platform.
S55, the payment acceptance background system forwards the received jump address to the first application client.
And when the method is implemented, the payment acceptance background system returns the received jump address to the payment acceptance control in the first application client installed in the user terminal.
S56, the first application client calls the second application client according to the received jump address, and sends an electronic payment processing message to the second application client.
In this step, after the first application client generates the electronic payment processing message according to the jump address provided by the transfer platform, the generated electronic payment processing message includes payment reference information, where the payment reference information may include at least one of the following items: and calling a second application client to send an electronic payment processing message to the second application client.
In the implementation, in order to avoid data leakage in the electronic payment process and improve the security of data access, the first application client can encrypt the payment reference information and then transmit the payment reference information in an electronic payment processing message.
It should be noted that, if in step S54, the transfer platform forwards the electronic payment acceptance request message to the payment processing background system, in this step, the first application client does not need to carry all payment reference information in the sent electronic payment processing message, and only needs to carry the payment transaction serial number therein, so that after receiving the electronic payment processing message, the payment processing system retrieves the corresponding payment amount and order information thereof according to the transaction serial number, and sends the payment amount and order information to the second application client, and the second application client displays the payment request message in the order confirmation page for confirmation by the user.
And S57, after the second application client performs identity verification, order confirmation and payment authentication, an electronic payment deduction request message is sent to the payment acceptance background system.
In specific implementation, after receiving the electronic payment processing message, the second application client first performs identity verification on the payment user. As shown in fig. 6, a schematic diagram of an authentication interface displayed by the second application client is shown.
The user identity verification method can be, but not limited to, the following steps: user name password verification, gesture password verification, face verification and the like, and an interface schematic diagram shown in fig. 6 is a gesture password verification schematic diagram.
After the user authentication is passed, the second application client jumps to display an order confirmation page, as shown in fig. 7, where the order confirmation page includes at least a payment amount, and may further include an icon of the second application client, order detail information, and the like. After the user confirms the order, the second application client jumps to display the payment confirmation authentication page, as shown in fig. 8, and the manner of payment authentication may be, but is not limited to, the following manner: payment password authentication, fingerprint authentication, face verification, etc. The payment authentication page shown in fig. 8 performs authentication by using a payment password authentication method.
After the second application client performs identity verification, order confirmation and payment authentication, an electronic payment deduction request message is sent to a payment acceptance background system, wherein the electronic payment deduction request message carries a deduction amount and a user identifier capable of identifying a user identity, and the user identifier can comprise at least one of the following: user mobile phone number, user account information, user registration name, user identification card number, etc.
And S58, the payment processing background system completes the electronic payment deduction.
In specific implementation, the payment processing background system determines user account information according to the user identifier carried in the electronic payment deduction request message, and completes deduction processing according to the deduction amount.
S59, the payment processing background system sends an electronic payment result notification message to the transfer platform.
And after the payment processing background system finishes the deduction processing operation, generating an electronic payment result notification message, wherein the electronic payment result notification message carries a payment result.
S510, the switching platform forwards the received electronic payment result notification message to the payment acceptance background system.
When the method is implemented, after the transfer platform receives the electronic payment result notification message, the protocol analysis module analyzes the received message and then sends the message to the online processing module, the online processing module extracts the payment result in the message, and the message packaging module is called to generate the electronic payment result notification message sent to the payment acceptance background system.
Optionally, after receiving the electronic payment result notification message, the switching platform may also return a response message to the payment processing background system. After receiving the response message, the payment processing background system can also send an electronic payment rebound message to the payment acceptance background system, and the payment acceptance background system informs the first application client to rebound to the first application client display page to wait for the payment result.
S511, the payment acceptance background system sends an electronic payment result notification message to the first application client.
And the first application client displays the payment result to the user according to the received electronic payment result notification message.
Optionally, after receiving the electronic payment result notification message, the payment acceptance background system may also return a response message of the electronic payment result notification message to the transit platform.
S512, the first application client displays a payment result page.
In the electronic payment method provided by the embodiment of the invention, both the payment acceptance system and the payment processing system are connected to the transfer platform, when a user requests payment, the payment acceptance system sends an electronic payment acceptance message request to the transfer platform to obtain the jump address of the payment processing system, and sends a payment processing message to the payment processing system according to the jump address, and the payment processing system completes electronic payment processing.
Based on the same inventive concept, the embodiment of the invention also provides an electronic payment method and device implemented by the transfer platform side, and because the principle of solving the problems by the device and equipment is similar to that of the electronic payment system, the implementation of the method and device can refer to the implementation of the electronic payment system, and the repetition is omitted.
Fig. 9 is a schematic diagram of an implementation flow of an electronic payment method implemented by a transfer platform side according to an embodiment of the present invention, which may include the following steps:
s91, receiving an electronic payment acceptance request message sent by a payment acceptance system, wherein the electronic payment acceptance request message carries a payment mechanism identifier.
S92, searching a jump address corresponding to the payment mechanism identification carried in the electronic payment acceptance request message from the corresponding relation between the stored payment mechanism identification and the jump address of the payment processing system.
S93, sending a first response message to the payment acceptance system, wherein the first response message carries the searched jump address.
And the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, wherein the electronic payment processing message carries payment reference information, and the payment processing system completes electronic payment according to the payment reference information.
Optionally, before receiving the electronic payment acceptance request message sent by the payment acceptance system, the method further includes:
receiving a payment mechanism list query message sent by the payment acceptance system;
and returning a second response message to the payment processing system aiming at the payment mechanism list query message, wherein the second response message carries payment mechanism list information, and the payment mechanism list information at least comprises the payment mechanism identification.
Optionally, the electronic payment method provided by the embodiment of the present invention further includes:
receiving a payment result notification message sent by the payment processing system after electronic payment is completed;
and forwarding the payment result notification message to the payment acceptance system.
Fig. 10 is a schematic structural diagram of an electronic payment device according to an embodiment of the present invention, including:
a receiving unit 1001, configured to receive an electronic payment acceptance request packet sent by a payment acceptance system, where the electronic payment acceptance request packet carries a payment mechanism identifier;
a searching unit 1002, configured to search, from a correspondence between the stored payment mechanism identifier and a jump address of the payment processing system, a jump address corresponding to the payment mechanism identifier carried in the electronic payment acceptance request packet;
And the response unit 1003 is configured to send a first response message to the payment acceptance system, where the first response message carries the jump address, and the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, where the electronic payment processing message carries payment reference information, and the payment processing system completes electronic payment according to the payment reference information.
The receiving unit 1001 is further configured to receive a payment mechanism list query message sent by a payment acceptance system before receiving an electronic payment acceptance request message sent by the payment acceptance system;
the response unit 1003 is further configured to return a second response message to the payment processing system for the payment mechanism list query message, where the second response message carries payment mechanism list information, and the payment mechanism list information at least includes the payment mechanism identifier.
Optionally, the receiving unit 1001 is further configured to receive a payment result notification packet sent by the payment processing system after completing electronic payment;
the response unit 1003 is further configured to forward the payment result notification packet to the payment acceptance system.
For convenience of description, the above parts are described as being functionally divided into modules (or units) respectively. Of course, the functions of each module (or unit) may be implemented in the same piece or pieces of software or hardware when implementing the present invention.
Having described the electronic payment method and apparatus of an exemplary embodiment of the present invention, next, a computing apparatus according to another exemplary embodiment of the present invention is described.
Those skilled in the art will appreciate that the various aspects of the invention may be implemented as a system, method, or program product. Accordingly, aspects of the invention may be embodied in the following forms, namely: an entirely hardware embodiment, an entirely software embodiment (including firmware, micro-code, etc.) or an embodiment combining hardware and software aspects may be referred to herein as a "circuit," module "or" system.
In some possible implementations, a computing device according to the invention may include at least one processor, and at least one memory. Wherein the memory stores program code that, when executed by the processor, causes the processor to perform the steps in the electronic payment method according to various exemplary embodiments of the invention described above in this specification. For example, the processor may execute step S91 shown in fig. 9, where the electronic payment acceptance request packet sent by the payment acceptance system is received and carries a payment mechanism identifier, and step S52, where a jump address corresponding to the payment mechanism identifier carried in the electronic payment acceptance request packet is found from a correspondence relationship between the stored payment mechanism identifier and a jump address of the payment processing system; and step S93, a first response message is sent to the payment acceptance system, wherein the first response message carries the searched jump address.
A computing device 110 according to such an embodiment of the invention is described below with reference to fig. 11. The computing device 110 shown in fig. 11 is only one example and should not be taken as limiting the functionality and scope of use of embodiments of the invention.
As shown in fig. 11, the computing device 110 is in the form of a general purpose computing device. Components of computing device 110 may include, but are not limited to: the at least one processor 111, the at least one memory 112, a bus 113 connecting the different system components, including the memory 112 and the processor 111.
Bus 113 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a processor, and a local bus using any of a variety of bus architectures.
Memory 112 may include readable media in the form of volatile memory, such as Random Access Memory (RAM) 1121 and/or cache memory 1122, and may further include Read Only Memory (ROM) 1123.
Memory 112 may also include program/utility 1125 having a set (at least one) of program modules 1124, such program modules 1124 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment.
The computing device 110 may also communicate with one or more external devices 114 (e.g., keyboard, pointing device, etc.), one or more devices that enable a user to interact with the computing device 110, and/or any devices (e.g., routers, modems, etc.) that enable the computing device 110 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 115. Moreover, the computing device 110 may also communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN) and/or a public network, such as the Internet, through a network adapter 116. As shown, network adapter 116 communicates with other modules for computing device 110 over bus 113. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in connection with computing device 110, including, but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.
In some possible embodiments, aspects of the electronic payment method provided by the present invention may also be implemented in the form of a program product, which includes program code for causing a computer device to perform the steps in the electronic payment method according to the various exemplary embodiments of the present invention described above when the program product is run on the computer device, for example, the computer device may perform step S91 as shown in fig. 9, receiving an electronic payment acceptance request packet sent by a payment acceptance system, where a payment mechanism identifier is carried, and step S52, searching a jump address corresponding to the payment mechanism identifier carried in the electronic payment acceptance request packet from a correspondence between the stored payment mechanism identifier and a jump address of a payment processing system; and step S93, a first response message is sent to the payment acceptance system, wherein the first response message carries the searched jump address.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium would include the following: an electrical connection having one or more wires, a portable disk, a hard disk, random Access Memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The program product for electronic payment of embodiments of the present invention may employ a portable compact disc read only memory (CD-ROM) and include program code and may run on a computing device. However, the program product of the present invention is not limited thereto, and in this document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
The readable signal medium may include a data signal propagated in baseband or as part of a carrier wave with readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C++ or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).
It should be noted that although several units or sub-units of the apparatus are mentioned in the above detailed description, such a division is merely exemplary and not mandatory. Indeed, the features and functions of two or more of the elements described above may be embodied in one element in accordance with embodiments of the present invention. Conversely, the features and functions of one unit described above may be further divided into a plurality of units to be embodied.
Furthermore, although the operations of the methods of the present invention are depicted in the drawings in a particular order, this is not required to either imply that the operations must be performed in that particular order or that all of the illustrated operations be performed to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step to perform, and/or one step decomposed into multiple steps to perform.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (10)
1. An electronic payment system, comprising:
The payment acceptance system is used for sending an electronic payment acceptance request message to the switching platform, wherein the electronic payment acceptance request message carries a payment mechanism identifier; and sending an electronic payment processing message to a payment processing system according to the jump address returned by the transfer platform, wherein the electronic payment processing message carries payment reference information, and the payment reference information comprises at least one of the following items: payment transaction serial number, payment amount and order information;
the switching platform is used for searching the corresponding jump address of the payment mechanism identifier carried in the electronic payment acceptance request message from the corresponding relation between the stored payment mechanism identifier and the jump address of the payment processing system after receiving the electronic payment acceptance request message; returning a first response message to the payment acceptance system, wherein the first response message carries the jump address; the switching platform distributes unique payment mechanism identification for each accessed payment processing system in advance;
the payment processing system is used for completing electronic payment according to the payment reference information after receiving the electronic payment processing message;
The payment acceptance system is further used for sending a payment mechanism list query message to the switching platform before sending the electronic payment acceptance request message to the switching platform;
the switching platform is further configured to return a second response message of the payment mechanism list query message to the payment processing system, where the second response message carries payment mechanism list information, and the payment mechanism list information at least includes the payment mechanism identifier.
2. The system of claim 1, wherein,
the payment processing system is further used for returning a payment result notification message to the transfer platform after the electronic payment is completed;
the switching platform is further used for forwarding the payment result notification message to the payment acceptance system.
3. The system of claim 1, wherein,
the payment processing system is specifically configured to perform identity verification on a payment user after receiving an electronic payment processing message, and complete electronic payment after performing payment authentication according to the payment reference information after determining that the identity verification is passed.
4. The system of claim 1, wherein,
The payment acceptance system is specifically configured to invoke a payment acceptance client to send an electronic payment processing message to the payment processing system according to the jump address returned by the transit platform.
5. An electronic payment method, applied to a transit platform, comprising:
receiving an electronic payment acceptance request message sent by a payment acceptance system, wherein the electronic payment acceptance request message carries a payment mechanism identifier;
searching a corresponding jump address of the payment mechanism identifier carried in the electronic payment acceptance request message from the corresponding relation between the stored payment mechanism identifier and the jump address of the payment processing system; the switching platform distributes unique payment mechanism identification for each accessed payment processing system in advance;
sending a first response message to the payment acceptance system, wherein the first response message carries the jump address, the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, the electronic payment processing message carries payment reference information, and the payment processing system completes electronic payment according to the payment reference information, and the payment reference information comprises at least one of the following items: payment transaction serial number, payment amount and order information;
Before receiving the electronic payment acceptance request message sent by the payment acceptance system, the method further comprises the following steps:
receiving a payment mechanism list query message sent by the payment acceptance system;
and returning a second response message to the payment processing system aiming at the payment mechanism list query message, wherein the second response message carries payment mechanism list information, and the payment mechanism list information at least comprises the payment mechanism identification.
6. The method as recited in claim 5, further comprising:
receiving a payment result notification message sent by the payment processing system after electronic payment is completed;
and forwarding the payment result notification message to the payment acceptance system.
7. An electronic payment device, for use with a transit platform, the device comprising:
the receiving unit is used for receiving an electronic payment acceptance request message sent by the payment acceptance system, wherein the electronic payment acceptance request message carries a payment mechanism identifier;
the searching unit is used for searching the jump address corresponding to the payment mechanism identifier carried in the electronic payment acceptance request message from the corresponding relation between the stored payment mechanism identifier and the jump address of the payment processing system; the switching platform distributes unique payment mechanism identification for each accessed payment processing system in advance;
The response unit is used for sending a first response message to the payment acceptance system, wherein the first response message carries the jump address, the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, the electronic payment processing message carries payment reference information, and the payment processing system completes electronic payment according to the payment reference information, and the payment reference information comprises at least one of the following items: payment transaction serial number, payment amount and order information;
the receiving unit is further configured to receive a payment mechanism list query message sent by the payment acceptance system before receiving the electronic payment acceptance request message sent by the payment acceptance system;
the response unit is further configured to return a second response message to the payment processing system for the payment mechanism list query message, where the second response message carries payment mechanism list information, and the payment mechanism list information at least includes the payment mechanism identifier.
8. The apparatus of claim 7, wherein,
the receiving unit is further used for receiving a payment result notification message sent by the payment processing system after the electronic payment is completed;
The response unit is further configured to forward the payment result notification packet to the payment acceptance system.
9. A computing device comprising at least one processor, and at least one memory, wherein the memory stores a computer program that, when executed by the processor, causes the processor to perform the steps of the method of claim 5 or 6.
10. A computer readable medium, characterized in that it stores a computer program executable by a computing device, which when run on the computing device causes the computing device to perform the steps of the method of claim 5 or 6.
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| CN201811628979.1A CN109767200B (en) | 2018-12-28 | 2018-12-28 | Electronic payment method, device, system and storage medium |
| PCT/CN2019/117272 WO2020134654A1 (en) | 2018-12-28 | 2019-11-11 | Electronic payment method, apparatus and system and storage medium |
| TW108147031A TWI778314B (en) | 2018-12-28 | 2019-12-20 | An electronic payment method, device, system and storage medium |
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| CN201811628979.1A CN109767200B (en) | 2018-12-28 | 2018-12-28 | Electronic payment method, device, system and storage medium |
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| CN109767200B (en) * | 2018-12-28 | 2023-07-14 | ***股份有限公司 | Electronic payment method, device, system and storage medium |
| CN110245928B (en) * | 2019-05-29 | 2021-01-29 | 创新先进技术有限公司 | Method, system and equipment for acquiring signing key element information of bank card |
| CN110189115B (en) * | 2019-06-06 | 2021-05-07 | 优赋全球(北京)网络科技有限公司 | Transaction channel access method and device and electronic equipment |
| CN111160918A (en) * | 2019-12-19 | 2020-05-15 | 中国建设银行股份有限公司 | Travel payment method and device |
| CN113988847A (en) * | 2019-12-31 | 2022-01-28 | 网联清算有限公司 | Payment processing method, device and system |
| CN112396409A (en) * | 2020-11-27 | 2021-02-23 | ***股份有限公司 | Digital resource account binding method, device, equipment and medium |
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