CN112766969A - Mobile payment method and system, payment device and computer readable storage medium - Google Patents
Mobile payment method and system, payment device and computer readable storage medium Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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Abstract
The invention provides a mobile payment method and a system, a payment device and a computer readable storage medium, wherein the mobile payment method comprises the following steps: step S1: the server side creates a payment order according to the unified ordering interface group, and establishes an order payment mode by generating a payment data packet and signing; step S2: the client analyzes the signed payment data packet after receiving the signed payment data packet, adds terminal parameters and sends a payment request to a cashier desk; step S3: after receiving the payment request, the cashier selects a payment mode to place an order, obtains an order-placing return parameter and pulls up the payment; step S4: after the user side finishes payment, returning a payment result; step S5: and the server receives the callback notification sent by the client and changes the order state into paid. In the invention, a merchant only needs to interface one payment mode, can easily realize any other payment mode, and allows dynamic expansion without re-issuing an application program.
Description
Technical Field
The invention relates to the technical field of mobile payment, in particular to a mobile payment method and system, a payment device and a computer readable storage medium.
Background
The payment mode refers to various payment shortcuts of payment modes required by shopping or consumption; each B2B merchant has a different payment method. Payment by cash on delivery, credit card payment, online payment, PayPal payment, bank wire transfer and postal remittance. On-line payment, which is a business for providing online fund settlement service for sellers and buyers through e-commerce websites on the internet, is the most popular payment method for people today. It provides a safe, fast and convenient electronic commerce application environment and online fund settlement tool for enterprises and individuals. The online payment not only helps enterprises to realize the rapid collection of sales money and shorten the money collection period, but also provides an online consumption payment settlement mode for personal online banking customers, so that the customers can really go out of homes and do online shopping. Such as the most popular payment treasure payment, WeChat payment, one-network payment, cloud payment, etc., they all need to download their own APP and even if the third party pays, they need to jump to their own payment page for payment.
Through search, patent document CN110738806A discloses a payment method determination method, device, system and electronic device, and discloses a payment method determination method, device and system, a payment method configuration method, device and system, an information configuration method, device and system and an electronic device. The payment method determination method comprises the following steps: receiving a payment mode acquisition request sent by a point of sale (POS); determining an effective payment mode configuration information group from a plurality of payment mode configuration information groups related to the POS according to the preset attribute of the payment mode configuration information group; and sending the payment mode configuration information included in the validated payment mode configuration information group back to the POS. The defects of the prior art are that payment is carried out after configuration is completed on a payment platform corresponding to a self party according to a payment request, multiple payment APPs need to be installed for a user and a merchant to carry out payment, the payment is complex, new POS equipment needs to be replaced or new payment acceptance APPs need to be downloaded for a follow-up new payment mode, and the convenient payment mode of people is not liberated to a great extent.
Disclosure of Invention
In view of the defects in the prior art, the present invention aims to provide a mobile payment method and system, a payment device, and a computer readable storage medium, in which a merchant only needs to interface with one payment mode, can easily implement any other payment mode, and allows dynamic expansion without re-issuing an application program.
The invention provides a mobile payment method, which comprises the following steps:
step S1: the server side creates a payment order according to the unified ordering interface group, and establishes an order payment mode by generating a payment data packet and signing;
step S2: the client analyzes the signed payment data packet after receiving the signed payment data packet, adds terminal parameters and sends a payment request to a cashier desk;
step S3: after receiving the payment request, the cashier selects a payment mode to place an order, obtains an order-placing return parameter and pulls up the payment;
step S4: after the user side finishes payment, returning a payment result;
step S5: and the server receives the callback notification sent by the client and changes the order state into paid.
Preferably, step 1 comprises the steps of:
step S1.1: the user side sends ordering payment data to the server side;
step S1.2: the server receives payment data, creates a payment order according to the unified ordering interface group and generates a payment data packet at the same time;
step S1.3: after the payment data packet is generated, signing is carried out on the payment data packet, and an order payment mode is formulated;
step S1.4: and returning the signed payment data packet to the client.
Preferably, the order payment method set in step S1 is set to be multiple, allowing the server to perform dynamic configuration.
Preferably, in step S2, the client parses the signed payment data packet sent by the server, including parsing the merchant identifier and the order payment method.
Preferably, step S3 includes the steps of:
step S3.1: analyzing the URL request link parameter;
step S3.2: judging whether to display the cashier desk according to the link parameters;
step S3.3: if the link parameter is correct, the cashier desk is displayed, and a ordering request is initiated; if the link parameter is incorrect, re-linking the correct parameter;
step S3.4: and acquiring the order placing result parameters and pulling up payment.
According to the present invention, there is provided a mobile payment system comprising:
module M1: the server side creates a payment order according to the unified ordering interface group, and establishes an order payment mode by generating a payment data packet and signing;
module M2: the client analyzes the signed payment data packet after receiving the signed payment data packet, adds terminal parameters and sends a payment request to a cashier desk;
module M3: after receiving the payment request, the cashier selects a payment mode to place an order, obtains an order-placing return parameter and pulls up the payment;
module M4: after the user side finishes payment, returning a payment result;
module M5: and the server receives the callback notification sent by the client and changes the order state into paid.
The payment device provided by the invention at least comprises a processor and a memory, wherein the memory is used for storing one or more computer instructions for the processor to call and execute, and the processor realizes the mobile payment method by executing the computer instructions.
According to the present invention, there is provided a computer readable medium storing a computer program executable by a mobile payment system, which when run on the mobile payment system, causes the mobile payment system to perform the steps of the mobile payment method described above.
Compared with the prior art, the invention has the following beneficial effects:
1. the invention achieves the aim of one-time butt joint and dynamic expansion of various payment modes by adopting a mode of separating payment order data, terminal coefficients and payment modes, and the cashier desk is personalized and upgraded, thereby simplifying the cost of a merchant for butt joint of a payment system.
2. According to the invention, through tagging the payment data packet, the client can be prevented from tampering the payment data, so that the fund risk is caused.
3. The invention allows dynamic expansion of multiple payment modes without re-issuing application programs, reduces the overlapping use of multiple payment programs of merchants and users, and saves storage space.
Drawings
Other features, objects and advantages of the invention will become more apparent upon reading of the detailed description of non-limiting embodiments with reference to the following drawings:
fig. 1 is a flow chart of a mobile payment method according to the present invention.
Detailed Description
The present invention will be described in detail with reference to specific examples. The following examples will assist those skilled in the art in further understanding the invention, but are not intended to limit the invention in any way. It should be noted that it would be obvious to those skilled in the art that various changes and modifications can be made without departing from the spirit of the invention. All falling within the scope of the present invention.
As shown in fig. 1, the present invention provides a mobile payment method, comprising the following steps:
step S1: the server side creates a payment order according to the unified ordering interface group, and establishes an order payment mode by generating a payment data packet and signing.
Firstly, sending order payment data to a server by a user side; then, the server receives payment data, creates a payment order according to the unified ordering interface group, and generates a payment data packet at the same time; secondly, after the payment data packet is generated, signing is carried out on the payment data packet, and an order payment mode is formulated; and finally returning the signed payment data packet to the client.
Step S2: and the client analyzes the signed payment data packet after receiving the signed payment data packet, adds terminal parameters and sends a payment request to the cashier desk. Further, the client analyzes the signed payment data packet sent by the server, including but not limited to analyzing merchant identification and order payment mode.
Step S3: and after receiving the payment request, the cashier selects a payment mode to place an order, acquires an order-placing return parameter and pulls up the payment.
In step S3, first, the URL request link parameter is parsed; secondly, judging whether to display a cashier desk according to the link parameters; thirdly, if the link parameters are correct, showing the cashier desk and initiating an order placing request; if the link parameter is incorrect, re-linking the correct parameter; and finally, acquiring the ordering result parameters and pulling up payment.
Step S4: after the user side finishes payment, returning a payment result;
step S5: and the server receives the callback notification sent by the client and changes the order state into paid.
The invention also provides a mobile payment system, comprising:
module M1: the server side creates a payment order according to the unified ordering interface group, and establishes an order payment mode by generating a payment data packet and signing;
module M2: the client analyzes the signed payment data packet after receiving the signed payment data packet, adds terminal parameters and sends a payment request to a cashier desk;
module M3: after receiving the payment request, the cashier selects a payment mode to place an order, obtains an order-placing return parameter and pulls up the payment;
module M4: after the user side finishes payment, returning a payment result;
module M5: and the server receives the callback notification sent by the client and changes the order state into paid.
The server payment data parameters comprise a payment path, a payment type, a payment mode, a payment type and a payment symbol. The method specifically comprises the steps of filling in a server number, a server key, a service order number, order creation time and order expiration time, order amount, a callback address, returning to a server display page after payment, replacing a true IP of a client with a true-to-true-.
The client payment data parameters include: the payment control system comprises an application name applied to a distribution market, a statement of a unique identifier applied to one device and a merchant self-defining protocol, wherein the merchant self-defining protocol is a protocol defined by guiding a payment control to return after a merchant calls a payment interface to complete payment.
Those skilled in the art will appreciate that, in addition to implementing the system and its various devices, modules, units provided by the present invention as pure computer readable program code, the system and its various devices, modules, units provided by the present invention can be fully implemented by logically programming method steps in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Therefore, the system and various devices, modules and units thereof provided by the invention can be regarded as a hardware component, and the devices, modules and units included in the system for realizing various functions can also be regarded as structures in the hardware component; means, modules, units for performing the various functions may also be regarded as structures within both software modules and hardware components for performing the method.
The foregoing description of specific embodiments of the present invention has been presented. It is to be understood that the present invention is not limited to the specific embodiments described above, and that various changes or modifications may be made by one skilled in the art within the scope of the appended claims without departing from the spirit of the invention. The embodiments and features of the embodiments of the present application may be combined with each other arbitrarily without conflict.
Claims (8)
1. A mobile payment method, comprising the steps of:
step S1: the server side creates a payment order according to the unified ordering interface group, and establishes an order payment mode by generating a payment data packet and signing;
step S2: the client analyzes the signed payment data packet after receiving the signed payment data packet, adds terminal parameters and sends a payment request to a cashier desk;
step S3: after receiving the payment request, the cashier selects a payment mode to place an order, obtains an order-placing return parameter and pulls up the payment;
step S4: after the user side finishes payment, returning a payment result;
step S5: and the server receives the callback notification sent by the client and changes the order state into paid.
2. A mobile payment method according to claim 1, wherein said step 1 comprises the steps of:
step S1.1: the user side sends ordering payment data to the server side;
step S1.2: the server receives payment data, creates a payment order according to the unified ordering interface group and generates a payment data packet at the same time;
step S1.3: after the payment data packet is generated, signing is carried out on the payment data packet, and an order payment mode is formulated;
step S1.4: and returning the signed payment data packet to the client.
3. The mobile payment method of claim 1, wherein the order payment method established in step S1 is set to be multiple, allowing the server to perform dynamic configuration.
4. The mobile payment method according to claim 1, wherein in step S2, the client parses the signed payment data packet sent by the server, including parsing of merchant identification and order payment method.
5. The mobile payment method of claim 1, wherein said step S3 comprises the steps of:
step S3.1: analyzing the URL request link parameter;
step S3.2: judging whether to display the cashier desk according to the link parameters;
step S3.3: if the link parameter is correct, the cashier desk is displayed, and a ordering request is initiated; if the link parameter is incorrect, re-linking the correct parameter;
step S3.4: and acquiring the order placing result parameters and pulling up payment.
6. A mobile payment system, comprising:
module M1: the server side creates a payment order according to the unified ordering interface group, and establishes an order payment mode by generating a payment data packet and signing;
module M2: the client analyzes the signed payment data packet after receiving the signed payment data packet, adds terminal parameters and sends a payment request to a cashier desk;
module M3: after receiving the payment request, the cashier selects a payment mode to place an order, obtains an order-placing return parameter and pulls up the payment;
module M4: after the user side finishes payment, returning a payment result;
module M5: and the server receives the callback notification sent by the client and changes the order state into paid.
7. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 5.
8. A payment apparatus comprising the mobile payment system of claim 6 or the computer-readable storage medium of claim 7 having a computer program stored thereon.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110121709.7A CN112766969A (en) | 2021-01-28 | 2021-01-28 | Mobile payment method and system, payment device and computer readable storage medium |
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| CN202110121709.7A CN112766969A (en) | 2021-01-28 | 2021-01-28 | Mobile payment method and system, payment device and computer readable storage medium |
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Cited By (1)
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| CN115099910A (en) * | 2022-08-25 | 2022-09-23 | 北京蔚领时代科技有限公司 | Order processing method for cloud application |
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