CN113807836A - Mobile banking payment method and device - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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Abstract
The invention discloses a mobile banking payment method and a mobile banking payment device, which relate to the technical field of computer data processing, wherein the method comprises the following steps: after the user logs in, the mobile phone bank requests a background server to open a login-free payment function according to the user request; the mobile phone bank receives a user login mobile phone number and ticket information fed back by the background server, wherein the ticket information is a certificate for opening a login-free payment function; when a user requests to use the login-free payment function, the mobile phone bank sends a user login mobile phone number, ticket information and user equipment information to a background server for verification; after the mobile banking passes the verification of the background server, the user is allowed to use the login-free payment function, the login-free payment function can be provided for the user, the user experience is improved, and the utilization rate of the mobile banking payment function is improved.
Description
Technical Field
The invention relates to the technical field of computer data processing, in particular to a mobile banking payment method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Before the mobile banking function is used, a user needs to log in a mobile banking, but in a small payment scene with frequent use, such as dish buying, car sitting and the like, the user still needs to log in the mobile banking before paying each time, inconvenience is brought to the user, and the utilization rate of the mobile banking payment function is reduced.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a mobile banking payment method, which is used for providing a login-free payment function for a user, improving user experience and improving the utilization rate of the mobile banking payment function, and comprises the following steps:
after the user logs in, the mobile phone bank requests a background server to open a login-free payment function according to the user request;
the mobile phone bank receives a user login mobile phone number and ticket information fed back by the background server, wherein the ticket information is a certificate for opening a login-free payment function;
when a user requests to use the login-free payment function, the mobile phone bank sends a user login mobile phone number, ticket information and user equipment information to a background server for verification;
after the mobile phone bank passes the verification of the background server, the user is allowed to use the login-free payment function.
The embodiment of the invention also provides a mobile banking payment method, which is used for providing a login-free payment function for a user, improving the user experience and improving the utilization rate of the mobile banking payment function, and comprises the following steps:
the background server receives a request sent by a mobile phone bank for opening a login-free payment function for a logged-in user;
the background server feeds back a user login mobile phone number and ticket information to the mobile phone bank according to the request, wherein the ticket information is a certificate for opening a login-free payment function;
the method comprises the steps that a background server receives an authentication request sent by a mobile phone bank when a user requests to use a login-free payment function, wherein the authentication request carries a user login mobile phone number, ticket information and user equipment information;
the background server verifies the login mobile phone number, the ticket information and the user equipment information of the user, and sends a verification passing message to the mobile phone bank after the verification is passed, so that the mobile phone bank allows the user to use a login-free payment function.
The embodiment of the invention also provides a mobile banking payment device, which is applied to mobile banking and used for providing a login-free payment function for a user, improving user experience and improving the utilization rate of the mobile banking payment function, and the device comprises:
the request module is used for requesting the opening of a login-free payment function to the background server according to a user request after the user logs in;
the receiving module is used for receiving a user login mobile phone number and ticket information fed back by the background server, wherein the ticket information is a certificate for opening a login-free payment function;
the sending module is used for sending the login mobile phone number, the ticket information and the user equipment information of the user to the background server for verification when the user requests to use the login-free payment function;
and the allowing module is used for allowing the user to use the login-free payment function after the background server passes the verification.
The embodiment of the invention also provides a mobile banking payment device, which is applied to a background server and used for providing a login-free payment function for a user, improving user experience and improving the utilization rate of the mobile banking payment function, wherein the mobile banking payment device comprises:
the system comprises an opening request receiving module, a login-free payment module and a payment module, wherein the opening request receiving module is used for receiving a request sent by a mobile banking bank for opening a login-free payment function for a logged-in user;
the feedback module is used for feeding back a user login mobile phone number and ticket information to the mobile phone bank according to the request, wherein the ticket information is a certificate for opening a login-free payment function;
the system comprises an authentication request receiving module, a payment processing module and a payment processing module, wherein the authentication request receiving module is used for receiving an authentication request sent by a mobile phone bank when a user requests to use a login-free payment function, and the authentication request carries a user login mobile phone number, ticket information and user equipment information;
and the verification module is used for verifying the login mobile phone number, the ticket information and the user equipment information of the user, and sending verification passing information to the mobile phone bank after the verification passes so that the mobile phone bank allows the user to use the login-free payment function.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be operated on the processor, wherein the processor realizes the mobile banking payment method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the mobile banking payment method.
Compared with the scheme that the user needs to log in the mobile phone bank before paying in the prior art, the login-free payment function is requested to be opened from the background server according to the user request after the user logs in through the mobile phone bank; the mobile phone bank receives a user login mobile phone number and ticket information fed back by the background server, wherein the ticket information is a certificate for opening a login-free payment function; when a user requests to use the login-free payment function, the mobile phone bank sends a user login mobile phone number, ticket information and user equipment information to a background server for verification; after the mobile banking passes the verification of the background server, the user is allowed to use the login-free payment function, the login-free payment function can be provided for the user, the user experience is improved, and the utilization rate of the mobile banking payment function is improved.
In the embodiment of the invention, a background server receives a request for opening a login-free payment function for a logged-in user, which is sent by a mobile phone bank; the background server feeds back a user login mobile phone number and ticket information to the mobile phone bank according to the request, wherein the ticket information is a certificate for opening a login-free payment function; the method comprises the steps that a background server receives an authentication request sent by a mobile phone bank when a user requests to use a login-free payment function, wherein the authentication request carries a user login mobile phone number, ticket information and user equipment information; the background server verifies the login mobile phone number, the ticket information and the user equipment information of the user, and sends verification passing information to the mobile phone bank after the verification is passed, so that the mobile phone bank allows the user to use the login-free payment function, the user is supported to use the login-free payment function through interaction between the background server and the mobile phone bank, the user experience is improved, and the usage rate of the mobile phone bank payment function is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart of a mobile banking payment method according to an embodiment of the present invention;
FIG. 2 is a processing flow chart of a mobile banking payment method of a background server in an embodiment of the present invention;
FIG. 3 is a flowchart of an embodiment of a mobile banking payment method according to the present invention;
fig. 4 is a schematic structural diagram of a mobile banking payment device applied to mobile banking in the embodiment of the present invention;
fig. 5 is a schematic structural diagram of a mobile banking payment device applied to a background server in an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a processing flow chart of a mobile banking payment method in the embodiment of the invention. As shown in fig. 1, the mobile banking payment method in the embodiment of the present invention may include:
102, a mobile phone bank receives a user login mobile phone number and ticket information fed back by a background server, wherein the ticket information is a certificate for activating a login-free payment function;
103, when the user requests to use the login-free payment function, the mobile phone bank sends the login mobile phone number, the ticket information and the user equipment information of the user to a background server for verification;
and step 104, allowing the user to use the login-free payment function after the mobile phone bank passes the verification of the background server.
As can be known from the flow shown in fig. 1, in the embodiment of the present invention, through interaction among the user, the mobile banking, and the background server, the login-free payment function can be supported for the user, so that the user experience is improved, and the usage rate of the mobile banking payment function is increased.
In specific implementation, the implementation of the invention is premised on that a user logs in a mobile phone bank, the user can request a background server to open a login-free payment function through the mobile phone bank after logging in, the request can carry user information, and the background server is used for determining whether the user meets the condition of opening the login-free payment function, for example, whether the user is a common user can be judged through the user information, or whether the account balance of the user meets the requirement of login-free payment or not is inquired.
After the background server determines that the user meets the condition of activating the login-free payment function according to the user information in the login-free payment function activation request, the login mobile phone number and the ticket information of the user can be fed back to the mobile phone bank, the login mobile phone number and the ticket information of the user are cached by the mobile phone bank, and the ticket information is a certificate for activating the login-free payment function.
In one embodiment, the ticket information is a character string code in a preset format.
In one embodiment, the login-free payment function is a login-free code scanning payment function.
In one embodiment, when the user requests to use the login-free payment function, the mobile banking sends the user login mobile phone number, the ticket information and the user equipment information to the background server for verification, which may include: and when the user equipment does not clear the cache and the user does not exit the mobile phone bank, the mobile phone bank sends the login mobile phone number, the ticket information and the user equipment information of the user to the background server for verification.
In specific implementation, when the user equipment clears the cache or the user exits the mobile phone bank, the user login mobile phone number and the ticket information cached by the mobile phone bank on certain types of user equipment can be cleared together, and at this moment, the user login mobile phone number, the ticket information and the user equipment information cannot be sent to the background server for verification. The user login mobile phone number, the ticket information and the user equipment information are sent to the background server for verification, and the verification is realized under the condition that the user equipment does not clear the cache and the user does not quit the mobile phone bank. The situation that the user equipment does not clear the cache and the user does not exit the mobile phone bank may be, for example, to use the HOME key to back to the background, to kill the process, to exit over time to reopen the mobile phone bank, or the like.
Fig. 2 is a processing flow chart of a mobile banking payment method of a background server in an embodiment of the present invention. As shown in fig. 2, the mobile banking payment method of the background server in the embodiment of the present invention may include:
and step 204, the background server verifies the login mobile phone number, the ticket information and the user equipment information of the user, and sends a verification passing message to the mobile phone bank after the verification is passed so that the mobile phone bank allows the user to use the login-free payment function.
In an embodiment, the step of the background server feeding back the user login mobile phone number and the ticket information to the mobile banking according to the request may include: and the background server feeds back the login mobile phone number and the ticket information of the user to the mobile phone bank when determining that the user accords with the condition of activating the login-free payment function according to the user information carried in the request.
When the login-free payment function is opened, the background server can determine whether the user accords with the condition of opening the login-free payment function according to the user information, and feeds back the login mobile phone number and the ticket information of the user to the mobile phone bank when the user is determined to accord with the condition of opening the login-free payment function.
In one embodiment, the ticket information is a character string code in a preset format.
In one embodiment, the login-free payment function is a login-free code scanning payment function.
In one embodiment, the verifying the user login mobile phone number, the ticket information and the user equipment information by the background server may include: and the background server verifies whether the ticket information is overdue.
In specific implementation, the verifying the user login mobile phone number, the ticket information and the user equipment information by the background server may include: verifying whether the login mobile phone number of the user is the mobile phone number for activating the login-free payment function; verifying whether the ticket information is generated for the user when the login-free payment function is opened; and verifying whether the user equipment information is the user equipment information for opening the login-free payment function, namely verifying whether the user equipment is used for logging in when the user equipment opens the login-free payment function for the user. In order to ensure the use safety of the login-free payment function, the background server can also verify whether the ticket information is overdue or not so as to determine that the user still keeps the login state. After all the verification passes, the mobile banking bank can allow the user to use the login-free payment function.
Fig. 3 is a flowchart of an embodiment of a mobile banking payment method according to the present invention. As shown in fig. 3, the specific example of the mobile banking payment method in this example relates to a user 301, a mobile banking 302, and a backend server 303.
In the embodiment, a user 301 logs in a mobile phone bank 302 at first, and sends a login-free payment function opening request to the mobile phone bank 302; the mobile phone bank 302 sends a login-free payment function opening request to the background server 303, and the background server 303 feeds back a login mobile phone number and ticket information of the user 301 to the mobile phone bank 302 according to the request, wherein the ticket information is a certificate for opening the login-free payment function; when the user 301 requests to use the login-free payment function, the mobile phone bank 302 sends the login mobile phone number and ticket information of the user 301 and the equipment information of the user 301 to the background server 303 for verification; after the authentication is passed, the background server 303 sends an authentication pass message to the mobile banking 302, and the mobile banking 302 allows the user 301 to use the login-free payment function.
The embodiment of the invention also provides a mobile banking payment device, which is applied to mobile banking and is described in the following embodiment. Because the principle of the device for solving the problems is similar to the mobile banking payment method, the implementation of the device can refer to the implementation of the mobile banking payment method, and repeated parts are not described again.
Fig. 4 is a schematic structural diagram of a mobile banking payment device applied to mobile banking in the embodiment of the present invention. As shown in fig. 4, the mobile banking payment apparatus applied to mobile banking in the embodiment of the present invention may specifically include:
the request module 401 is configured to, after the user logs in, request the background server to activate a login-free payment function according to a user request;
the receiving module 402 is used for receiving a user login mobile phone number and ticket information fed back by the background server, wherein the ticket information is a certificate for activating a login-free payment function;
a sending module 403, configured to send the user login phone number, ticket information, and user equipment information to the background server for verification when the user requests to use the login-free payment function;
and an allowing module 404, configured to allow the user to use the login-free payment function after the background server passes the authentication.
In one embodiment, the ticket information is a character string code in a preset format.
In one embodiment, the login-free payment function is a login-free code scanning payment function.
In an embodiment, the sending module 403 is specifically configured to:
and when the user equipment does not clear the cache and the user does not exit the mobile phone bank, sending the login mobile phone number, the ticket information and the user equipment information of the user to a background server for verification.
The embodiment of the invention also provides a mobile banking payment device which is applied to the background server, and is described in the following embodiment. Because the principle of the device for solving the problems is similar to the mobile banking payment method, the implementation of the device can refer to the implementation of the mobile banking payment method, and repeated parts are not described again.
Fig. 5 is a schematic structural diagram of a mobile banking payment device applied to a background server in the embodiment of the present invention. As shown in fig. 5, the mobile banking payment device applied to the background server in the embodiment of the present invention may specifically include:
an opening request receiving module 501, configured to receive a request sent by a mobile banking bank to open a login-free payment function for a logged-in user;
a feedback module 502, configured to feed back, to the mobile banking, a user login mobile phone number and ticket information according to the request, where the ticket information is a certificate for activating a login-free payment function;
the verification request receiving module 503 is configured to receive a verification request sent by a mobile banking bank when a user requests to use a login-free payment function, where the verification request carries a user login mobile phone number, ticket information, and user equipment information;
and the verification module 504 is used for verifying the login mobile phone number, the ticket information and the user equipment information of the user, and after the user passes the verification, sending a verification passing message to the mobile banking so that the mobile banking allows the user to use the login-free payment function.
In one embodiment, the feedback module 502 is specifically configured to:
and according to the user information carried in the request, when the user is determined to accord with the condition of opening the login-free payment function, the login mobile phone number and the ticket information of the user are fed back to the mobile phone bank.
In one embodiment, the ticket information is a character string code in a preset format.
In one embodiment, the login-free payment function is a login-free code scanning payment function.
In one embodiment, the verification module 504 is specifically configured to:
and verifying whether the ticket information is expired.
Based on the aforementioned inventive concept, as shown in fig. 6, the present invention further provides a computer device 600, which includes a memory 610, a processor 620 and a computer program 630 stored on the memory 610 and operable on the processor 620, wherein the processor 620 executes the computer program 630 to implement the aforementioned mobile banking payment method.
Based on the foregoing inventive concept, an embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above mobile banking payment method is stored in the computer-readable storage medium.
In summary, compared with the scheme that the user needs to log in the mobile phone bank before paying each time in the prior art, the login-free payment function is requested to be opened from the background server according to the user request after the user logs in through the mobile phone bank in the embodiment of the invention; the mobile phone bank receives a user login mobile phone number and ticket information fed back by the background server, wherein the ticket information is a certificate for opening a login-free payment function; when a user requests to use the login-free payment function, the mobile phone bank sends a user login mobile phone number, ticket information and user equipment information to a background server for verification; after the mobile banking passes the verification of the background server, the user is allowed to use the login-free payment function, the login-free payment function can be provided for the user, the user experience is improved, and the utilization rate of the mobile banking payment function is improved.
In the embodiment of the invention, a background server receives a request for opening a login-free payment function for a logged-in user, which is sent by a mobile phone bank; the background server feeds back a user login mobile phone number and ticket information to the mobile phone bank according to the request, wherein the ticket information is a certificate for opening a login-free payment function; the method comprises the steps that a background server receives an authentication request sent by a mobile phone bank when a user requests to use a login-free payment function, wherein the authentication request carries a user login mobile phone number, ticket information and user equipment information; the background server verifies the login mobile phone number, the ticket information and the user equipment information of the user, and sends verification passing information to the mobile phone bank after the verification is passed, so that the mobile phone bank allows the user to use the login-free payment function, the user is supported to use the login-free payment function through interaction between the background server and the mobile phone bank, the user experience is improved, and the usage rate of the mobile phone bank payment function is improved.
As will be appreciated by one skilled in the art, 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 flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (20)
1. A mobile banking payment method is characterized by comprising the following steps:
after the user logs in, the mobile phone bank requests a background server to open a login-free payment function according to the user request;
the mobile phone bank receives a user login mobile phone number and ticket information fed back by the background server, wherein the ticket information is a certificate for opening a login-free payment function;
when a user requests to use the login-free payment function, the mobile phone bank sends a user login mobile phone number, ticket information and user equipment information to a background server for verification;
after the mobile phone bank passes the verification of the background server, the user is allowed to use the login-free payment function.
2. The method of claim 1, wherein the ticket information is a character string code of a preset format.
3. The method of claim 1, wherein the login-free payment function is a login-free code-scanning payment function.
4. The method of claim 1, wherein the mobile banking sends the user login mobile phone number, ticket information and user equipment information to a background server for authentication when the user requests to use the login-free payment function, comprising:
and when the user equipment does not clear the cache and the user does not exit the mobile phone bank, the mobile phone bank sends the login mobile phone number, the ticket information and the user equipment information of the user to the background server for verification.
5. A mobile banking payment method is characterized by comprising the following steps:
the background server receives a request sent by a mobile phone bank for opening a login-free payment function for a logged-in user;
the background server feeds back a user login mobile phone number and ticket information to the mobile phone bank according to the request, wherein the ticket information is a certificate for opening a login-free payment function;
the method comprises the steps that a background server receives an authentication request sent by a mobile phone bank when a user requests to use a login-free payment function, wherein the authentication request carries a user login mobile phone number, ticket information and user equipment information;
the background server verifies the login mobile phone number, the ticket information and the user equipment information of the user, and sends a verification passing message to the mobile phone bank after the verification is passed, so that the mobile phone bank allows the user to use a login-free payment function.
6. The method of claim 5, wherein the background server feeds back the user login mobile phone number and the ticket information to the mobile phone bank according to the request, and the method comprises the following steps:
and the background server feeds back the login mobile phone number and the ticket information of the user to the mobile phone bank when determining that the user accords with the condition of activating the login-free payment function according to the user information carried in the request.
7. The method of claim 5, wherein the ticket information is a character string code of a preset format.
8. The method of claim 5, wherein the login-free payment function is a login-free code-scanning payment function.
9. The method of claim 5, wherein the background server verifies the user login phone number, ticket information, and user device information, comprising:
and the background server verifies whether the ticket information is overdue.
10. The utility model provides a mobile banking payment device which characterized in that, is applied to mobile banking, includes:
the request module is used for requesting the opening of a login-free payment function to the background server according to a user request after the user logs in;
the receiving module is used for receiving a user login mobile phone number and ticket information fed back by the background server, wherein the ticket information is a certificate for opening a login-free payment function;
the sending module is used for sending the login mobile phone number, the ticket information and the user equipment information of the user to the background server for verification when the user requests to use the login-free payment function;
and the allowing module is used for allowing the user to use the login-free payment function after the background server passes the verification.
11. The apparatus of claim 10, wherein the ticket information is a character string code of a preset format.
12. The apparatus of claim 10, wherein the login-free payment function is a login-free code-scan payment function.
13. The apparatus of claim 10, wherein the sending module is specifically configured to:
and when the user equipment does not clear the cache and the user does not exit the mobile phone bank, sending the login mobile phone number, the ticket information and the user equipment information of the user to a background server for verification.
14. The mobile banking payment device is applied to a background server and comprises:
the system comprises an opening request receiving module, a login-free payment module and a payment module, wherein the opening request receiving module is used for receiving a request sent by a mobile banking bank for opening a login-free payment function for a logged-in user;
the feedback module is used for feeding back a user login mobile phone number and ticket information to the mobile phone bank according to the request, wherein the ticket information is a certificate for opening a login-free payment function;
the system comprises an authentication request receiving module, a payment processing module and a payment processing module, wherein the authentication request receiving module is used for receiving an authentication request sent by a mobile phone bank when a user requests to use a login-free payment function, and the authentication request carries a user login mobile phone number, ticket information and user equipment information;
and the verification module is used for verifying the login mobile phone number, the ticket information and the user equipment information of the user, and sending verification passing information to the mobile phone bank after the verification passes so that the mobile phone bank allows the user to use the login-free payment function.
15. The apparatus of claim 14, wherein the feedback module is specifically configured to:
and according to the user information carried in the request, when the user is determined to accord with the condition of opening the login-free payment function, the login mobile phone number and the ticket information of the user are fed back to the mobile phone bank.
16. The apparatus of claim 14, wherein the ticket information is a character string code of a preset format.
17. The apparatus of claim 14, wherein the login-free payment function is a login-free code-scan payment function.
18. The apparatus of claim 14, wherein the verification module is specifically configured to:
and verifying whether the ticket information is expired.
19. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 9 when executing the computer program.
20. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 9.
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