CN110348832A - B2C online payment gateway adapter, system, adaptation and method of payment - Google Patents
B2C online payment gateway adapter, system, adaptation and method of payment Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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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
- G06Q20/38—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 present invention provides a kind of B2C online payment gateway adapter, system, adaptation and methods of payment, the adapter includes: interface identification module, the payment transaction interface of trade company's payment interface of merchant server and payment gateway plug-in unit for identification, the payment gateway plug-in unit are the corresponding plug-in unit of online payment server-side；Interface selecting module, for selecting payment transaction interface corresponding with trade company's payment interface；Interface modular converter, for docking trade company's payment interface with payment transaction interface.The present invention can match the interface of different trade companies and bank, at low cost, and versatility is good.
Description
Technical field
The present invention relates to online payment field more particularly to a kind of B2C online payment gateway adapter, system, adaptation and
Method of payment.
Background technique
With the progress and development of internet, the life of the people can not be detached from the presence of internet, pass through interconnection
The pith that the consumer behaviors such as clothes, electronic product have become popular life is bought in online shopping.As the silver based on account settlement business
Row mechanism should more energetically incorporate in e-commerce in the spring tide that internet is changed.
When the commodity of consumer's online purchase trade company, need to enter the online payments server-side such as bank, that is, need trade company and
Bank carries out Interface Matching, and in the prior art, trade company and bank carry out when Interface Matching needs according to the B2C of different bank
Payment gateway carries out interface exploitation, and for many medium-sized and small enterprises, development cost and difficulty are larger；In addition, different bank
Payment gateway have different standards, property that it is impossible to be use universally.
Summary of the invention
The present invention provides a kind of B2C online payment gateway adapters, to match the interface of different trade companies and bank, at
This is low, and versatility is good, comprising:
Interface identification module, for identification payment transaction of trade company's payment interface of merchant server and payment gateway plug-in unit
Interface, the payment gateway plug-in unit are the corresponding plug-in unit of online payment server-side；
Interface selecting module, for selecting payment transaction interface corresponding with trade company's payment interface；
Interface modular converter, for docking trade company's payment interface with payment transaction interface.
The present invention provides a kind of B2C online payment gateway adapter systems, to match different trade companies and bank, cost
Low, versatility is good, comprising: above-mentioned B2C online payment gateway adapter, merchant server and online payment server-side, wherein
Merchant server, for providing trade company's payment interface of merchant server；
Online payment server-side, for providing the payment transaction interface of payment gateway plug-in unit.
The present invention provides a kind of B2C online payment gateway adaptation methods, to match different trade companies and bank, cost
Low, versatility is good, comprising:
Identify trade company's payment interface of merchant server and the payment transaction interface of payment gateway plug-in unit, the payment gateway
Plug-in unit is the corresponding plug-in unit of online payment server-side；
Select payment transaction interface corresponding with trade company's payment interface；
Trade company's payment interface is docked with payment transaction interface.
The present invention provides a kind of B2C online payment gateway adapter methods of payment, to match different trade companies and bank,
At low cost, versatility is good, and the B2C online payment gateway adapter method of payment is suitable applied to above-mentioned B2C online payment gateway
Orchestration, comprising:
Receive payment transaction request data；
Call the payment transaction interface docked with trade company payment interface, the standard payment report of generation payment transaction request data
Text, the standard payment message is for completing payment transaction.
The present invention provides a kind of B2C online payment gateway adapter payment systems, to match different trade companies and bank,
At low cost, versatility is good, comprising: includes: merchant server, online payment server-side, consumer payment unit and above-mentioned B2C net
Upper payment gateway adapter, wherein
Consumer payment unit, for payment transaction request data to be sent to merchant server；
Payment transaction request data is sent to B2C and propped up on the net by merchant server for receiving payment transaction request data
Pay gateway adapter；
Online payment server-side, for receiving the payment transaction request data of B2C online payment gateway adapter generation
Standard payment message；Payment transaction is completed according to the standard payment message of payment transaction request data.
The embodiment of the present invention also proposed a kind of computer equipment, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, the processor realize that above-mentioned B2C is online when executing the computer program
Payment gateway adaptation method or B2C online payment gateway adapter method of payment.
The embodiment of the present invention also proposed a kind of computer readable storage medium, the computer-readable recording medium storage
There is the calculating for executing above-mentioned B2C online payment gateway adapter installation method or B2C online payment gateway adapter method of payment
Machine program.
In embodiments of the present invention, interface identification module, for identification the trade company's payment interface and payment of merchant server
The payment transaction interface of gateway plug-in unit, the payment gateway plug-in unit are the corresponding plug-in unit of online payment server-side；Interface selects mould
Block, for selecting payment transaction interface corresponding with trade company's payment interface；Interface modular converter, for by trade company's payment interface with
The docking of payment transaction interface.The B2C online payment gateway adapter that the embodiment of the present invention proposes can be automatically performed trade company and bank
Interface Matching, that is, be automatically performed docking for trade company's payment interface and payment transaction interface, trade company is to be not necessarily to when bank's docking
Redevelopment interface, it is at low cost；And B2C online payment gateway adapter is applicable to the payment gateway plug-in unit of different bank, it is general
Property is good.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.In the accompanying drawings:
Fig. 1 is the schematic diagram of B2C online payment gateway adapter in the embodiment of the present invention；
Fig. 2 is the schematic diagram of B2C online payment gateway adapter system；
Fig. 3 is the flow chart of B2C online payment gateway adaptation method in the embodiment of the present invention；
Fig. 4 is the flow chart of B2C online payment gateway adapter method of payment in the embodiment of the present invention；
Fig. 5 is the schematic diagram of B2C online payment gateway adapter payment system in the embodiment of the present invention；
Fig. 6 is the schematic diagram of consumer payment unit in the embodiment of the present invention；
Fig. 7 is the schematic diagram of online payment server-side in the embodiment of the present invention.
Specific embodiment
Understand in order to make the object, technical scheme and advantages of the embodiment of the invention clearer, with reference to the accompanying drawing to this hair
Bright embodiment is described in further details.Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but simultaneously
It is not as a limitation of the invention.
Fig. 1 is the schematic diagram of B2C online payment gateway adapter in the embodiment of the present invention, as shown in Figure 1, the adapter packet
It includes:
Interface identification module, for identification payment transaction of trade company's payment interface of merchant server and payment gateway plug-in unit
Interface, the payment gateway plug-in unit are the corresponding plug-in unit of online payment server-side；
Interface selecting module, for selecting payment transaction interface corresponding with trade company's payment interface；
Interface modular converter, for docking trade company's payment interface with payment transaction interface.
In embodiments of the present invention, interface identification module, for identification the trade company's payment interface and payment of merchant server
The payment transaction interface of gateway plug-in unit, the payment gateway plug-in unit are the corresponding plug-in unit of online payment server-side；Interface selects mould
Block, for selecting payment transaction interface corresponding with trade company's payment interface；Interface modular converter, for by trade company's payment interface with
The docking of payment transaction interface.The B2C online payment gateway adapter that the embodiment of the present invention proposes can be automatically performed trade company and bank
Interface Matching, that is, be automatically performed docking for trade company's payment interface and payment transaction interface, trade company is to be not necessarily to when bank's docking
Redevelopment interface, it is at low cost；And B2C online payment gateway adapter is applicable to the payment gateway plug-in unit of different bank, it is general
Property is good.
In embodiments of the present invention, the type of payment transaction interface has very much, and the parameter of payment transaction interface also have it is more
Kind, it may include orderid (order number), orderDate (trade date), orderTime (exchange hour), amount (friendship
The easy amount of money), orderContent (order contents), orderMono (trade company's remarks), merURL (backstage Notify Address),
GoodsURL (jumping Notify Address), payBatchNo (batch number), proxyMerName (second level name of firm),
ProxyMerType (second level merchant type), proxyMerCredentials (second level merchant number), recvAcctNo (gathering
Account) etc. parameters, interface be to be abstracted by merchant server and payment gateway plug-in unit interactive information element.
B2C online payment gateway adapter can identify the trade company's payment interface and payment gateway plug-in unit of merchant server
Payment transaction interface, therefore, the inside of B2C online payment gateway adapter are equipped with payment gateway plug-in unit, and the payment gateway is inserted
Part is already installed before can be, and is also possible to subsequent installation.
In one embodiment, B2C online payment gateway adapter further includes plug-in unit maintenance module, for installing or unloading branch
Pay gateway plug-in unit.
In the above-described embodiments, plug-in unit maintenance module installation or unloading payment gateway plug-in unit method can there are many, under
Face provides the embodiment of one of installation.
In one embodiment, plug-in unit maintenance module is specifically used for:
Obtain the address of the online payment gateway of online payment server-side；
Obtain the bank certificate and root certificate of online payment server-side；
According to the address of online payment gateway, bank certificate and root certificate, payment gateway plug-in unit is installed.
In the above-described embodiments, B2C online payment gateway adapter will be mounted in merchant server, merchant
Payment gateway plug-in unit is placed on device, general payment gateway plug-in unit is located in the commercial routes in merchant server, can be with
The installation or unloading of payment gateway plug-in unit are executed by the system management table in merchant server, during installation, obtain net first
Then the address of the online payment gateway at upper payment services end obtains the bank certificate and root certificate of online payment server-side, silver
Row certificate and root certificate are that online payment server-side is issued, then according to the address of online payment gateway, bank certificate and root
Certificate installs payment gateway plug-in unit, after being installed, then identifies that the trade company of merchant server pays using interface identification module and connects
The payment transaction interface of mouth and payment gateway plug-in unit selects payment industry corresponding with trade company's payment interface using interface selecting module
Business interface, last interface modular converter dock trade company's payment interface with payment transaction interface.
In one embodiment, B2C online payment gateway adapter further includes interface configuration module, for connecing to payment transaction
Mouth is configured, and the configuration information of payment transaction interface is obtained；
Interface modular converter is specifically used for: according to the configuration information of payment transaction interface, by trade company's payment interface and payment
Business interface docking.
In the above-described embodiments, interface configuration module can also delete not other than configuring to payment transaction interface
The configuration information of the payment transaction interface needed.
Configuration information can there are many, one of embodiment is given below.
In one embodiment, the configuration information of the payment transaction interface includes the information of online payment server-side, trade company
Information and one of which or any combination in api interface protocol type.
In the above-described embodiments, the information of online payment server-side may include ConfigID (environment number), PfxPath
(certificate name), PfxPassword (cryptographic certificate) and BankDN (DN value)；Merchant information may include MerID (trade company number)；
Api interface protocol type may include HttpsType (api interface protocol type), PostURL (e-Bank payment jump address),
The ApiURL backstage api interface address of payment (non-a key), OnekeyURL (key pays backstage api interface address),
MobileURL (mobile-phone payment jump address).
In the B2C online payment gateway adapter that the embodiment of the present invention proposes, interface identification module, trade company for identification
Trade company's payment interface of server and the payment transaction interface of payment gateway plug-in unit, the payment gateway plug-in unit are online payment clothes
The corresponding plug-in unit in business end；Interface selecting module, for selecting payment transaction interface corresponding with trade company's payment interface；Interface conversion
Module, for docking trade company's payment interface with payment transaction interface.The B2C online payment gateway that the embodiment of the present invention proposes is suitable
Orchestration can be automatically performed the Interface Matching of trade company and bank, that is, be automatically performed pair of trade company's payment interface Yu payment transaction interface
It connects, trade company is to no longer need to development interface when bank's docking, at low cost；And B2C online payment gateway adapter is applicable to not
With the payment gateway plug-in unit of bank, versatility is good.
The embodiment of the present invention also proposes a kind of B2C online payment gateway adapter system, and Fig. 2 is B2C online payment gateway
The schematic diagram of adapter system, as shown in Fig. 2, the system include above-mentioned B2C online payment gateway adapter, merchant server and
Online payment server-side, wherein
Merchant server, for providing trade company's payment interface of merchant server；
Online payment server-side, for providing the payment transaction interface of payment gateway plug-in unit.
B2C online payment gateway adapter includes:
Interface identification module, for identification payment transaction of trade company's payment interface of merchant server and payment gateway plug-in unit
Interface, the payment gateway plug-in unit are the corresponding plug-in unit of online payment server-side；
Interface selecting module, for selecting payment transaction interface corresponding with trade company's payment interface；
Interface modular converter, for docking trade company's payment interface with payment transaction interface.
When it is implemented, merchant server is usually trade company's platform, merchant web page can be, payment server of webs is general
It can be bank's online payment webpage for bank server.
In the B2C online payment gateway adapter system proposed in embodiments of the present invention, interface identification module, for knowing
Trade company's payment interface of other merchant server and the payment transaction interface of payment gateway plug-in unit, the payment gateway plug-in unit is online
The corresponding plug-in unit in payment services end；Interface selecting module, for selecting payment transaction interface corresponding with trade company's payment interface；It connects
Mouth conversion module, for docking trade company's payment interface with payment transaction interface.The B2C online payment that the embodiment of the present invention proposes
Gateway adapter can be automatically performed the Interface Matching of trade company and bank, that is, be automatically performed trade company's payment interface and payment transaction interface
Docking, trade company be bank docking when no longer need to development interface, it is at low cost；And B2C online payment gateway adapter is applicable
In the payment gateway plug-in unit of different bank, versatility is good.
Based on same inventive concept, the embodiment of the invention also provides a kind of B2C online payment gateway adaptation methods, such as
Described in the following examples.Since the principle that these are solved the problems, such as is similar to B2C online payment gateway adapter, because of the method
Implementation may refer to the implementation of adapter, repeats place and is not repeating.
Fig. 3 is the flow chart of B2C online payment gateway adaptation method in the embodiment of the present invention, as shown in figure 3, this method packet
It includes:
Step 301, trade company's payment interface of merchant server and the payment transaction interface of payment gateway plug-in unit are identified, it is described
Payment gateway plug-in unit is the corresponding plug-in unit of online payment server-side；
Step 302, payment transaction interface corresponding with trade company's payment interface is selected；
Step 303, trade company's payment interface is docked with payment transaction interface.
When it is implemented, payment gateway plug-in unit can be already installed, or subsequent installation.
In one embodiment, before the payment transaction interface of selection payment gateway plug-in unit, further includes: installation payment gateway
Plug-in unit.
In one embodiment, before docking trade company's payment interface with payment transaction interface, further includes:
Payment transaction interface is configured, the configuration information of payment transaction interface is obtained；
Trade company's payment interface is docked with payment transaction interface, comprising:
According to the configuration information of payment transaction interface, trade company's payment interface is docked with payment transaction interface.
In the B2C online payment gateway adaptation method proposed in embodiments of the present invention, the trade company of merchant server is identified
The payment transaction interface of payment interface and payment gateway plug-in unit, the payment gateway plug-in unit, which is that online payment server-side is corresponding, to be inserted
Part；Then payment transaction interface corresponding with trade company's payment interface is selected；Finally by trade company's payment interface and payment transaction interface
Docking.The B2C online payment gateway adaptation method that the embodiment of the present invention proposes can be automatically performed the Interface Matching of trade company and bank,
It is automatically performed docking for trade company's payment interface and payment transaction interface, trade company is to no longer need to development interface when bank's docking,
It is at low cost；And this method is applicable to the payment gateway plug-in unit of different bank, versatility is good.
The embodiment of the present invention also proposes a kind of B2C online payment gateway adapter method of payment, and Fig. 4 is the embodiment of the present invention
The flow chart of middle B2C online payment gateway adapter method of payment, as described in Figure 4, it is online which is applied to above-mentioned B2C
Payment gateway adapter, comprising:
Step 401, payment transaction request data is received；
Step 402, the payment transaction interface docked with trade company payment interface, the mark of generation payment transaction request data are called
Quasi- payment message, the standard payment message is for completing payment transaction.
In step 401, payment transaction request data includes payment request data, refund request data etc..Since B2C is online
Payment gateway adapter docks trade company's payment interface with payment transaction interface, therefore, in a step 102, can be direct
The payment transaction interface docked with trade company payment interface is called, the standard payment message of generation payment transaction request data is described
Standard payment message is for completing payment transaction.In addition, payment transaction interface is the interface for meeting API standard, above-mentioned standard branch
Paying message is the message for meeting API standard.
In the B2C online payment gateway adapter method of payment that the embodiment of the present invention proposes, above-mentioned B2C can be directlyed adopt
Online payment gateway adapter receives payment transaction request data in payment first；Then it calls and trade company's payment interface pair
The payment transaction interface connect generates the standard payment message of payment transaction request data, and the standard payment message is for completing
Payment transaction, therefore, because B2C online payment gateway adapter has been automatically performed the Interface Matching of trade company and bank, i.e., automatically
Docking for trade company's payment interface and payment transaction interface is completed, trade company is to no longer need to development interface, cost when bank's docking
It is low, but after being mounted with B2C online payment gateway adapter, call directly the payment transaction docked with trade company payment interface
The payment gateway that interface, the standard payment message of generation payment transaction request data, and this method are applicable to different bank is inserted
Part, versatility are good.
The embodiment of the present invention also proposes a kind of B2C online payment gateway adapter payment system, and Fig. 5 is the embodiment of the present invention
The schematic diagram of middle B2C online payment gateway adapter payment system, as shown in figure 5, the system includes merchant server, it is online to prop up
Pay server-side, consumer payment unit and above-mentioned B2C online payment gateway adapter, wherein
Consumer payment unit, for payment transaction request data to be sent to merchant server；
Payment transaction request data is sent to B2C and propped up on the net by merchant server for receiving payment transaction request data
Pay gateway adapter；
Online payment server-side, for receiving the payment transaction request data of B2C online payment gateway adapter generation
Standard payment message；Payment transaction is completed according to the standard payment message of payment transaction request data.
And B2C online payment gateway adapter can receive payment transaction request data；Calling is docked with trade company's payment interface
Payment transaction interface, generate payment transaction request data standard payment message；Then by the mark of payment transaction request data
Quasi- payment message is sent to online payment server-side.
When it is implemented, consumer payment unit firstly generates payment transaction request data, then again by the payment transaction
Request data is sent to merchant server.
Online payment server-side can according to the method that the standard payment message of payment transaction request data completes payment transaction
There are many, one of embodiment is given below.
In one embodiment, online payment server-side is specifically used for:
The standard payment message of payment transaction request data is encrypted using bank certificate and root certificate；
Payment transaction is completed according to encrypted standard payment message.
In the above-described embodiments, by taking request payment as an example, payment transaction is completed according to encrypted standard payment message
Process may include: that encrypted standard payment message is sent to consumer payment unit, consumer by online payment server-side
Payment unit obtains the payment password of consumer entering, consumer payment list after receiving encrypted standard payment message
Member retransmits payment password to online payment server-side, completes remaining payment flow.
In B2C online payment gateway adapter payment system, consumer payment unit can also include other function mould
Block, Fig. 6 is the schematic diagram of consumer payment unit in the embodiment of the present invention, as shown in fig. 6, consumer payment unit further include:
Payment transaction request data generation module, for generating payment transaction request data；
Payment bill module, for browsing history payment information；
Logistics management module, for carrying out logistics management to the commodity bought；
Password authentication module carries out safety verification for the encrypted message to consumer.
In B2C online payment gateway adapter payment system, online payment server-side is in addition to including payment transaction interface
Except, it can also include other function module, Fig. 7 is the schematic diagram of online payment server-side in the embodiment of the present invention, such as Fig. 7 institute
Show, online payment server-side further include:
Consumption information feedback module, for consumption information to be back to consumer payment unit；
Reimbursement information module is used for reimbursement information back to consumer payment unit.
Based on above-mentioned B2C online payment gateway adapter payment system, a consumer is given below and props up
Pay, i.e., payment transaction request data be payment request detailed process one embodiment.
In merchant website (merchant server) shopping cart is added in commodity by step 1, consumer；
Step 2, consumer settle accounts in merchant website；
Step 3, the consumer payment Unit selection means of payment of the consumer in merchant website is simultaneously submitted, if selection
Bank paying mode generates payment request data；
Step 4, merchant website verify payment request data, and the payment request data after verification are sent to B2C
Online payment gateway adapter；
Step 5, B2C online payment gateway adapter receive payment request data, calls and docks with trade company payment interface
Payment transaction interface generates the standard payment message of payment request data, then by the standard payment message of payment request data
It is sent to bank's online payment page (online payment server-side)；
Step 6, online payment server-side receive the mark for the payment request data that B2C online payment gateway adapter generates
Quasi- payment message, encrypts the standard payment message of payment request data using bank certificate and root certificate；After encrypting
Standard payment message be sent to consumer payment unit；
Step 7, consumer payment unit obtain consumer entering after receiving encrypted standard payment message
Payment password, consumer payment unit retransmit payment password to online payment server-side, complete payment；
Step 8, consumption information is back to consumer payment unit by online payment server-side, to form payment bill
It is browsed for consumer；
Step 9, merchant server receive bank and successfully notify about consumer payment, initiate delivery process.
A consumer is provided again below to the reimbursement process of pay invoice.
Step 1, consumer initiate reimbursement application in merchant website (merchant server), generate refund request data；
Step 2 verifies refund request data through merchant website, after verifying correlation circumstance, confirms reimbursement；
Refund request data after verification are sent to B2C online payment gateway adapter by step 3, merchant website；
Step 4, B2C online payment gateway adapter receive refund request data, calls and docks with trade company payment interface
Payment transaction interface generates the message of refund request data, the message of refund request data is then sent to bank and is propped up on the net
It pays the page (online payment server-side)；
Step 5, online payment server-side receive the report for the refund request data that B2C online payment gateway adapter generates
Text carries out reimbursement operation, by reimbursement information back to consumer payment unit, so that it is clear for consumer's progress to form reimbursement bill
It lookes at；
Step 6, merchant server receive bank and successfully notify about consumer's reimbursement.
In the B2C online payment gateway adapter payment system that the embodiment of the present invention proposes, consumer payment unit will
Payment transaction request data is sent to merchant server；Merchant server receives payment transaction request data, and payment transaction is asked
Data are asked to be sent to B2C online payment gateway adapter；B2C online payment gateway adapter receives payment transaction request data,
Then the payment transaction interface docked with trade company payment interface is called, the standard payment message of generation payment transaction request data,
And it is sent to online payment server-side, online payment server-side receives the payment transaction that B2C online payment gateway adapter generates
The standard payment message of request data；Payment transaction is completed according to the standard payment message of payment transaction request data.Therefore, by
It has been automatically performed the Interface Matching of trade company and bank in B2C online payment gateway adapter, that is, has been automatically performed trade company's payment and has connect
Mouth is docked with payment transaction interface, and trade company is to no longer need to development interface when bank's docking, at low cost, but is being mounted with
After B2C online payment gateway adapter, the payment transaction interface docked with trade company payment interface is called directly, generates payment industry
The standard payment message for request data of being engaged in, and this method is applicable to the payment gateway plug-in unit of different bank, versatility is good.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects
Describe in detail it is bright, it should be understood that the above is only a specific embodiment of the present invention, the guarantor being not intended to limit the present invention
Range is protected, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in this
Within the protection scope of invention.
Claims (14)
1. a kind of B2C online payment gateway adapter characterized by comprising
Interface identification module, trade company's payment interface of merchant server and the payment transaction of payment gateway plug-in unit connect for identification
Mouthful, the payment gateway plug-in unit is the corresponding plug-in unit of online payment server-side；
Interface selecting module, for selecting payment transaction interface corresponding with trade company's payment interface；
Interface modular converter, for docking trade company's payment interface with payment transaction interface.
2. B2C online payment gateway adapter as described in claim 1, which is characterized in that further include plug-in unit maintenance module, use
In installation or unloading payment gateway plug-in unit.
3. B2C online payment gateway adapter as claimed in claim 2, which is characterized in that plug-in unit maintenance module is specifically used for:
Obtain the address of the online payment gateway of online payment server-side；
Obtain the bank certificate and root certificate of online payment server-side；
According to the address of online payment gateway, bank certificate and root certificate, payment gateway plug-in unit is installed.
4. B2C online payment gateway adapter as described in claim 1, which is characterized in that further include interface configuration module, use
It is configured in payment transaction interface, obtains the configuration information of payment transaction interface；
Interface modular converter is specifically used for: according to the configuration information of payment transaction interface, by trade company's payment interface and payment transaction
Interface docking.
5. B2C online payment gateway adapter as claimed in claim 4, which is characterized in that the payment transaction interface is matched
Confidence breath includes one of or any group in information, merchant information and the api interface protocol type of online payment server-side
It closes.
6. a kind of B2C online payment gateway adapter system, which is characterized in that including described in any one of claim 1 to 5
B2C online payment gateway adapter, merchant server and online payment server-side, wherein
Merchant server, for providing trade company's payment interface of merchant server；
Online payment server-side, for providing the payment transaction interface of payment gateway plug-in unit.
7. a kind of B2C online payment gateway adaptation method characterized by comprising
Identify trade company's payment interface of merchant server and the payment transaction interface of payment gateway plug-in unit, the payment gateway plug-in unit
For the corresponding plug-in unit of online payment server-side；
Select payment transaction interface corresponding with trade company's payment interface；
Trade company's payment interface is docked with payment transaction interface.
8. B2C online payment gateway adaptation method as claimed in claim 7, which is characterized in that in selection payment gateway plug-in unit
Payment transaction interface before, further includes: installation payment gateway plug-in unit.
9. B2C online payment gateway adaptation method as claimed in claim 7, which is characterized in that by trade company's payment interface with
Before the docking of payment transaction interface, further includes:
Payment transaction interface is configured, the configuration information of payment transaction interface is obtained；
Trade company's payment interface is docked with payment transaction interface, comprising:
According to the configuration information of payment transaction interface, trade company's payment interface is docked with payment transaction interface.
10. a kind of B2C online payment gateway adapter method of payment, which is characterized in that the B2C online payment gateway adapter
Method of payment is applied to B2C online payment gateway adapter described in any one of claim 1 to 5, comprising:
Receive payment transaction request data；
Call the payment transaction interface docked with trade company payment interface, the standard payment message of generation payment transaction request data,
The standard payment message is for completing payment transaction.
11. a kind of B2C online payment gateway adapter payment system characterized by comprising merchant server, online payment
Server-side, consumer payment unit and B2C online payment gateway adapter described in any one of claim 1 to 5, wherein
Consumer payment unit, for payment transaction request data to be sent to merchant server；
Payment transaction request data is sent to B2C online payment net for receiving payment transaction request data by merchant server
Close adapter；
Online payment server-side, the standard of the payment transaction request data for receiving the generation of B2C online payment gateway adapter
Pay message；Payment transaction is completed according to the standard payment message of payment transaction request data.
12. B2C online payment gateway adapter payment system as claimed in claim 11, which is characterized in that online payment clothes
Business end is specifically used for:
The standard payment message of payment transaction request data is encrypted using bank certificate and root certificate；
Payment transaction is completed according to encrypted standard payment message.
13. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, which is characterized in that the processor is realized described in any one of claim 7 to 10 when executing the computer program
Method.
14. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has perform claim
It is required that the computer program of any one of 7 to 10 the methods.
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| CN201910560233.XA CN110348832A (en) | 2019-06-26 | 2019-06-26 | B2C online payment gateway adapter, system, adaptation and method of payment |
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| CN201910560233.XA CN110348832A (en) | 2019-06-26 | 2019-06-26 | B2C online payment gateway adapter, system, adaptation and method of payment |
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Application publication date: 20191018 |