CN115170117A - 5G message payment method, system, device and computer readable storage medium - Google Patents
5G message payment method, system, device and computer readable storage medium Download PDFInfo
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- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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Abstract
The application discloses a 5G message payment method, a system, a device and a computer readable storage medium, wherein the method comprises the following steps: acquiring a mobile phone number of a terminal user, a merchant identifier of a target merchant and payment information corresponding to a commodity identifier based on an access request of the terminal user to a payment link contained in a 5G message, wherein the payment link carries the payment information of the merchant identifier and the commodity identifier of the target merchant; establishing an association relation between the mobile phone number and payment information, and sending a payment mode selection page to a terminal user; based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying payment information and a mobile phone number to a target third-party payment platform, so that the target third-party payment platform creates a third-party payment page based on the merchant identification and the commodity identification and sends the third-party payment page to the terminal user corresponding to the mobile phone number for payment; and sending a payment result notice to the terminal user based on the payment result corresponding to the payment request.
Description
Technical Field
The present application relates to the field of communications technologies, and in particular, to a method, a system, an apparatus, and a computer-readable storage medium for 5G message payment.
Background
The 5G message is the upgrade of the traditional short message, and the traditional notification type short message is converted into the service type message, so that the short message has interactivity and service. The merchant realizes the connection and closed loop of the service with the user through the 5G message, and in the process of providing the service, many scenes need the intervention of payment, so that the user can directly purchase goods and services in a 5G message channel. However, currently 5G messages do not have a unified payment platform to provide payment technologies and services to merchants.
Disclosure of Invention
An object of the embodiments of the present application is to provide a method, a system, a device, and a computer-readable storage medium for 5G message payment, so as to solve the problem of the existing 5G message payment.
In order to solve the above technical problem, the present specification is implemented as follows:
in a first aspect, a 5G message payment method is provided, which is applied to a payment platform, and the method includes:
acquiring a mobile phone number of a terminal user, a merchant identifier of a target merchant and payment information corresponding to a commodity identifier based on an access request of the terminal user to a payment link contained in a 5G message, wherein the payment link carries the merchant identifier of the target merchant and the payment information of the commodity identifier;
establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user;
based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third party payment platform, so that the target third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
and sending a payment result notice to the terminal user based on the payment result corresponding to the payment request.
Optionally, before the end user accesses the payment link contained in the 5G message, further comprising:
receiving a commodity creating request sent by a merchant registered in the payment platform, wherein the commodity creating request carries a merchant identifier and a commodity identifier;
and generating a payment link according to the merchant identification and the commodity identification and storing the payment link into a target database, wherein the target merchant responds to a commodity ordering request sent by the terminal user, obtains the payment link corresponding to the commodity ordering request from the target database and packages the payment link into the 5G message so as to send the payment link to the terminal user.
Optionally, generating a payment link according to the merchant identifier and the product identifier includes:
encrypting the merchant identification and the commodity identification respectively;
and carrying out parameter splicing on the encrypted merchant identification and the encrypted commodity identification to generate the payment link.
Optionally, obtaining the mobile phone number of the end user based on an access request of the end user to the payment link included in the 5G message includes:
analyzing the parameters of the payment link, and judging whether the payment link carries the mobile phone number of the terminal user;
if so, acquiring the mobile phone number from the payment link, wherein the mobile phone number is packaged into the payment link contained in the 5G message before the 5G message is sent to the terminal user by a CSP platform of a 5G message service provider;
and if not, acquiring the mobile phone number through the target authentication server.
Optionally, obtaining the mobile phone number through a target authentication server includes:
determining a network connection type of the end user;
calling an automatic number taking capability to obtain the mobile phone number of the terminal user under the condition that the network connection type is cellular network connection;
and after the mobile phone number passes the authentication of the first target authentication server, acquiring the mobile phone number.
Optionally, obtaining the mobile phone number through a target authentication server includes:
determining a network connection type of the end user;
under the condition that the network connection type is non-cellular network connection, receiving a mobile phone number input by the terminal user through a short message verification code function;
and after the mobile phone number passes the authentication of the second target authentication server, acquiring the mobile phone number.
In a second aspect, a 5G message payment method is provided, which is applied to a CSP platform, and the method includes:
intercepting a 5G message which is sent by a target merchant in response to a commodity ordering request of a terminal user and contains a first payment link, wherein the first payment link carries a merchant identifier of the target merchant and payment information of a commodity identifier, and the target merchant is registered on the CSP platform;
acquiring the mobile phone number and the CSP platform identification of the terminal user according to the commodity ordering request;
and performing parameter splicing on the first payment link, the mobile phone number and the CSP platform identification, generating a second payment link, and packaging the second payment link to the 5G message to be sent to the terminal user.
In a third aspect, a 5G message payment system is provided, which comprises an end user, a CSP platform, a merchant, a payment platform and a third party payment platform,
the terminal user sends a commodity ordering request to a target merchant, and the target merchant registers on the CSP platform and the payment platform respectively;
the target merchant responds to the commodity ordering request, obtains a payment link corresponding to the commodity ordering request from the payment platform, packages the payment link into a 5G message and sends the 5G message to the terminal user, wherein the payment link carries the merchant identification of the target merchant and the payment information of the commodity identification;
the CSP platform intercepts the 5G message, packages the mobile phone number of the terminal user to a payment link contained in the 5G message and then sends the payment link to the terminal user;
the payment platform acquires the mobile phone number of the terminal user, the merchant identification of the target merchant and the payment information corresponding to the commodity identification based on the access request of the terminal user to the payment link contained in the 5G message; establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; sending a payment request carrying the payment information and the mobile phone number to the third party payment platform based on the operation of the terminal user on the payment mode selection page;
the third party payment platform creates a third party payment page based on the merchant identifier and the commodity identifier and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
and the payment platform sends a payment result notice to the terminal user based on the payment result corresponding to the payment request.
In a fourth aspect, there is provided a 5G message payment apparatus comprising a memory and a processor electrically connected to the memory, the memory storing a computer program executable on the processor, the computer program when executed by the processor implementing the steps of the method of the first or second aspect.
In a fifth aspect, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method according to the first or second aspect.
In the embodiment of the application, a payment platform acquires a mobile phone number of a terminal user, a merchant identifier of a target merchant and payment information corresponding to a commodity identifier through an access request of the terminal user to a payment link contained in a 5G message, wherein the payment link carries the merchant identifier of the target merchant and the payment information of the commodity identifier; establishing an incidence relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third party payment platform, so that the target third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment; and sending a payment result notification to the terminal user based on the payment result corresponding to the payment request, so that 5G message payment and service can be provided for the merchant through a unified payment platform, the universality and compatibility of 5G message payment are improved, the cost of 5G message payment is reduced, and the payment efficiency is improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
fig. 1 is a schematic flowchart of a 5G message payment method according to a first embodiment of the present application.
Fig. 2 is an interaction flow diagram of a 5G message payment method according to an embodiment of the present application.
Fig. 3 is an interaction flow diagram of a 5G message payment method according to another embodiment of the present application.
Fig. 4 is a flowchart illustrating a 5G message payment method according to a second embodiment of the present application.
Fig. 5 is a block diagram illustrating a 5G message payment system according to an embodiment of the present application.
Fig. 6 is a block diagram illustrating a configuration of a 5G message payment apparatus according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some, but not all, of the embodiments of the present application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application. The reference numbers in the present application are only used for distinguishing the steps in the scheme, and are not used for limiting the execution sequence of the steps, and the specific execution sequence is subject to the description in the specification.
In order to solve the problems in the prior art, an embodiment of the present application provides a 5G message payment method, and fig. 1 is a schematic flow diagram of the 5G message payment method according to the first embodiment of the present application. In this embodiment, the 5G message payment method is applied to a payment platform.
As shown in fig. 1, the method comprises the following steps:
102, acquiring a mobile phone number of a terminal user, a merchant identifier of a target merchant and payment information corresponding to a commodity identifier based on an access request of the terminal user to a payment link contained in a 5G message, wherein the payment link carries the merchant identifier of the target merchant and the payment information of the commodity identifier;
106, based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third-party payment platform, so that the target third-party payment platform creates a third-party payment page based on the merchant identifier and the commodity identifier and sends the third-party payment page to the terminal user corresponding to the mobile phone number for payment;
and 108, sending a payment result notice to the terminal user based on the payment result corresponding to the payment request.
In step 102, the payment link is obtained from the payment platform for the target merchant and encapsulated into a 5G message for transmission. The target merchant is a registered user of the payment platform, that is, the registration can use a 5G message mode to realize a payment function with the terminal user.
Optionally, before the end user accesses the payment link contained in the 5G message, the method further includes:
receiving a commodity creating request sent by a merchant registered in the payment platform, wherein the commodity creating request carries a merchant identifier and a commodity identifier; and generating a payment link according to the merchant identification and the commodity identification and storing the payment link into a target database, wherein the target merchant responds to a commodity ordering request sent by the terminal user, obtains the payment link corresponding to the commodity ordering request from the target database and packages the payment link into the 5G message so as to send the payment link to the terminal user.
After the merchant registers on the payment platform, the merchant can create the commodity which can be paid by using a 5G message payment mode on the payment platform, the merchant identifier is the unique identifier of the registered merchant on the payment platform, and the commodity identifier is the unique identifier of the correspondingly created commodity on the payment platform.
And the payment platform generates a corresponding payment link containing the merchant identification and the commodity identification for each commodity according to the merchant identification and the commodity identification created by each merchant, and stores the payment link into a target database of the payment platform. When a merchant receives an order request of a target commodity of a terminal user, a payment link corresponding to the target commodity is requested to be obtained from a payment platform. And the payment platform searches the corresponding payment link from the target database according to the merchant identification and the commodity identification requested by the merchant and sends the payment link to the corresponding merchant. Thus, the merchant can package the payment link into a 5G message and then send the 5G message to the end user corresponding to the commodity order request.
Optionally, generating a payment link according to the merchant identifier and the product identifier includes: encrypting the merchant identification and the commodity identification respectively; and carrying out parameter splicing on the encrypted merchant identification and the encrypted commodity identification to generate the payment link.
In particular, an example of a payment platform generating a payment link packaging process may be described as follows:
and acquiring a uniform domain name { server } of the payment platform, and acquiring a merchant identifier { accountId } and a unique commodity identifier { productId }.
And encrypting the merchant identifier by using an AES256 symmetric algorithm to generate AES256 ({ accountId }).
And encrypting the commodity identification by using an AES256 symmetric algorithm to generate AES256 ({ productId }).
And performing path splicing on the unified domain name of the payment platform, the encrypted business number and the encrypted commodity identification to generate a payment link https:// { server }/AES256 ({ accountId })/AES 256 ({ product Id }).
In this way, a 5G message based payment link may be obtained. The unified domain name of the payment platform is used for identifying that the corresponding payment link is a payment link based on the 5G message, and can be used for verification when the payment link interacts with other platforms in the subsequent 5G message payment process.
Based on the solution provided in the foregoing embodiment, optionally, in step 102, acquiring the mobile phone number of the terminal user based on an access request of the terminal user to the payment link included in the 5G message includes: analyzing the parameters of the payment link, and judging whether the payment link carries the mobile phone number of the terminal user; if so, acquiring the mobile phone number from the payment link, wherein the mobile phone number is packaged into the payment link contained in the 5G message before the 5G message is sent to the terminal user by a CSP platform of a 5G message service provider; if not, the mobile phone number is obtained through the target authentication server.
The 5G message payment is based on the mobile phone number of the terminal user, and in this step, it needs to be determined whether the payment link included in the 5G message carries the mobile phone number of the terminal user. If yes, directly extracting from the payment link; otherwise, it needs to be acquired by other methods.
And the terminal user accesses the payment link by clicking the payment control in the received 5G message, and enters an H5 page of the payment platform, namely a 5 th generation Internet hypertext markup language (Html) page. And the front-end page interface of the payment platform analyzes the payment link, acquires the path and the parameters of the payment link, and judges whether the payment link carries the CSP platform unique identifier { cspCode } and the mobile phone number { proof } of the terminal user. And if so, directly acquiring the mobile phone number of the terminal user.
The mobile phone number in the payment link is added to the payment link sent by the merchant to the terminal user by modifying the payment link obtained by the merchant from the payment platform through a 5G message Service Provider (CSP). The CSP platform is connected to the 5G message payment capability of the payment platform, and the payment link in the 5G message is modified.
The CSP platform can transform the payment link of the merchant registered on the CSP platform, namely the payment link sent to the terminal user by the merchant registered on the payment platform and the CSP platform at the same time, and the CSP platform can add the mobile phone number of the terminal user into the payment link.
Specifically, the CSP platform intercepts a 5G message containing a payment link sent by a target merchant in response to a commodity order request of an end user. In addition, as the target merchant is registered on the CSP platform, all the operation CSP platforms related to the commodity ordering of the target merchant can acquire the operation CSP platforms. Therefore, the CSP platform can acquire the mobile phone number of the terminal user corresponding to the commodity ordering request so as to reconstruct the payment link in the intercepted 5G message, namely, the mobile phone number of the terminal user correspondingly acquired is packaged into the payment link.
Specifically, an example of the CSP platform generating the payment link packaging process can be described as follows:
the CSP platform acquires a payment link encapsulated in a 5G message, namely the payment link https:// { server }/AES256 ({ accountId })/AES 256 ({ product Id }) acquired by the merchant from the payment platform, and acquires a unique identifier { cspCode } of the CSP platform and a mobile phone number { proof } of the terminal user.
The CSP platform encrypts the unique identifier of the CSP platform by an RSA1024 asymmetric algorithm to generate RSA1024 ({ cspCode }).
The CSP platform encrypts the mobile phone number of the terminal user by an RSA1024 asymmetric algorithm to generate RSA1024 ({ proof }).
The CSP platform carries out parameter splicing on the payment link and the unique identification of the CSP platform and the encrypted mobile phone number of the terminal user to generate a modified payment link https:// { server }/AES256 ({ accountId })/AES 256 ({ productId })? cspCode = RSA1024 ({ cspCode }) & proof = RSA1024 ({ proof }).
Thus, the payment link carrying the mobile phone number of the terminal user based on the 5G message can be obtained. The CSP platform unique identifier is used for identifying the corresponding payment link as a payment link based on the 5G message after the CSP platform is modified, and can be used for verification when the CSP platform is interacted with other platforms in the subsequent 5G message payment process.
And then, the CSP platform sends the modified payment link to a corresponding terminal user.
In this way, in step 102, the payment platform may acquire a required mobile phone number from the terminal user mobile phone number and the CSP platform identifier carried in the resolved payment link, so as to perform subsequent 5G message payment.
As described above, if the payment link does not carry the mobile phone number of the terminal user, the mobile phone number is acquired through verification by the corresponding authentication server. At this time, it is first necessary to determine the network connection type of the terminal device of the terminal user, that is, the network access mode of the terminal user, including cellular network connection and non-cellular network. For different network connection types, the modes for acquiring the mobile phone number are different.
In one embodiment, optionally, the obtaining, by the target authentication server, the mobile phone number includes: determining a network connection type of the end user; calling an automatic number taking capability to obtain the mobile phone number of the terminal user under the condition that the network connection type is cellular network connection; and after the mobile phone number passes the authentication of the first target authentication server, acquiring the mobile phone number.
In another embodiment, optionally, the obtaining, by the target authentication server, the mobile phone number includes: determining a network connection type of the end user; under the condition that the network connection type is non-cellular network connection, receiving a mobile phone number input by the terminal user through a short message verification code function; and after the mobile phone number passes the authentication of a second target authentication server, acquiring the mobile phone number.
The determination of the end user's network connection type may be performed by a front-end page interface of the payment platform. And calling a browser network application program interface (Web API) navigator.connection corresponding to the H5 page of the payment link by the front-end page interface, and acquiring the current network connection information of the terminal user through a network information object returned by the interface.
The front-end page interface can acquire the maximum downloading speed of the network connection, and when the value of the maximum downloading speed is less than 1 (Mbps), the user is prompted to 'please switch the network to retry if the current network is unstable'.
By obtaining the parameter networkinformation type from the network connection information, the connection type that the end user is communicating with the network can be determined. When the value of the parameter networkinformation.type is cellular, the mobile phone number of the terminal user is acquired from the service gateway by calling the automatic number-taking capability, and the mobile phone number which is automatically taken is checked by the authentication server; when the value of the parameter network information type is wireless networks such as WIFI and Bluetooth, the mobile phone number input by the terminal user is obtained through the short message verification code function, and the mobile phone number input by the terminal user is verified through the authentication server.
In one embodiment, the mobile phone number of the terminal user is obtained by invoking the automatic number fetching capability and combining with the verification of the authentication server, which is specifically described as follows:
a front page interface of the payment platform calls a mobile phone number which is obtained by an automatic number taking function and correspondingly represents a cellular network; and sending information such as the pre-signature, the merchant identification, the commodity identification and the like to the payment platform, and sending a mobile phone number authentication request to a corresponding authentication server of the service gateway by the payment platform.
The authentication server returns the certificate to the payment platform according to the pre-signature, and the payment platform carries the certificate and exchanges the mobile phone number with the authentication server; the authentication server passes the certificate, the verification is successful, the encrypted mobile phone number information is returned to the payment platform, the payment platform decrypts the obtained mobile phone number of the current terminal user, and the identity of the terminal user is confirmed.
In one embodiment, the mobile phone number of the terminal user is obtained through the short message verification code function in combination with the verification of the authentication server, which is specifically described as follows:
the front page interface of the payment platform jumps to a short message verification code interface to prompt a terminal user to input a mobile phone number; after the terminal user inputs the mobile phone number, the front-end page interface carries the mobile phone number to request the payment platform to issue the verification code.
The payment platform carries the mobile phone number to request the authentication server to issue the verification code, and the authentication server issues the verification code to the terminal equipment of the terminal user needing the short message verification code. The terminal user inputs the verification code and requests the payment platform for verification; the payment platform carries a verification code and requests the authentication server for verification; and if the verification is successful, the authentication server returns verification success information to the payment platform. And the payment platform acquires the mobile phone number of the current terminal user and confirms the identity of the terminal user.
In step 104, the payment platform establishes an association relationship between the mobile phone number and the payment information through the mobile phone number of the terminal device, the merchant identifier, the commodity identifier, the CSP platform identifier, and the like, creates a payment order, updates the H5 page, and returns a new H5 link address to the terminal user. The updated H5 page is a page for the end user to select a payment method. The payment information includes, besides the merchant identifier and the commodity identifier, also includes other payment related information such as the amount of money of the corresponding commodity, which is not described in detail herein.
In step 106, after the user terminal enters a new H5 page selection payment mode, the front-end page interface sends a request carrying payment information and a mobile phone number of the terminal user to the payment platform. And the payment platform checks the payment information and judges whether parameters, such as merchant identification and commodity identification, analyzed from the H5 page by the front-end page interface exist in a database of the payment platform and whether the parameters are accurate. And if the verification is successful, the third party payment platform corresponding to the payment mode selected by the terminal user sends a payment request carrying the payment information and the mobile phone number so as to request the third party payment platform to execute order payment corresponding to the mobile phone number.
The third party payment platform creates a third party payment page and returns a payment Uniform Resource Locator (URL) to a terminal user corresponding to the mobile phone number according to payment information including merchant identification, commodity identification, amount and the like. And after jumping to a third-party payment page, the terminal user performs corresponding operation to complete payment. And the third party payment platform returns a payment result to the payment platform.
In step 108, the payment platform updates the order payment state according to the payment result returned by the third party payment platform, and returns an order payment result notification to the terminal user.
The interaction flow of the 5G message payment method according to the embodiment of the present application is described below with reference to fig. 2 and fig. 3. Fig. 2 shows interaction steps of a 5G message payment method according to an embodiment of the present application for obtaining a mobile phone number of a user terminal through a CSP platform, and fig. 3 shows interaction steps of a 5G message payment method according to an embodiment of the present application for obtaining a mobile phone number of a user terminal through verification of an authentication server in different manners.
As shown in fig. 2, the 5G message payment interaction of this embodiment is executed between the end user, the CSP platform, the merchant, the payment platform, and the third party payment platform, and specifically includes the following steps:
step 2, the terminal user clicks a payment button, accesses a payment URL, and informs a payment platform of the URL;
step 3, the payment platform creates a payment order number and updates an H5 page;
step 4, the payment platform returns an H5 link;
step 5, the terminal user enters an H5 page and selects a payment mode;
step 6, the terminal user sends a payment request carrying payment information to a payment platform;
step 7, the payment platform checks the payment information;
step 8, the payment platform sends a payment request carrying payment information to a third-party payment platform;
step 9, the third party payment platform returns a payment URL to the payment platform;
step 10, the payment platform returns a payment URL to the terminal user;
step 11, the terminal user jumps to a third party payment page to finish payment;
step 12, the third party payment platform sends a payment result notice to the payment platform;
step 13, the payment platform updates the order payment state;
and step 14, the payment platform returns an order payment result notice to the terminal user through an H5 page.
As shown in fig. 3, the 5G message payment interaction of this embodiment is performed between the end user, the payment platform and the authentication server, and the interaction steps between the end user, the payment platform and the third party payment platform may refer to steps 6 to 14 of fig. 2, which are omitted here.
The method is characterized in that the mobile phone number with the automatic number fetching function is authenticated by combining an authentication server, and specifically comprises the following steps:
step 21, the terminal user opens a payment link;
step 22, the front-end page interface calls the automatic number-taking capability to judge the network connection environment of the terminal equipment of the terminal user;
step 23, judging the network is a 4G network and the automatic number fetching is successful;
step 24, the front-end page interface requests an authentication server to perform number authentication on the automatically acquired mobile phone number;
step 25, the authentication server returns a certificate to the payment platform;
step 26, the payment platform carries the certificate to obtain a number from the authentication server;
step 27, the authentication server returns the encrypted number information through the certificate;
and 28, decrypting the acquired mobile phone number by the payment platform to confirm the identity of the terminal user.
The method specifically comprises the following steps of authenticating the mobile phone number input by the short message verification code terminal user by combining an authentication server:
step 31, the front-end page interface fails to call the automatic number fetching, or the front-end page interface is judged to be in a wireless network environment such as WiFi;
step 32, the front-end page interface skips to a short message verification code interface to receive the mobile phone number input by the terminal user;
step 33, the front-end page interface carries a mobile phone number to request verification from the payment platform;
step 37, the payment platform carries a verification code to request verification from an authentication server;
step 38, the authentication server returns verification success information;
and step 39, the payment platform acquires the mobile phone number input by the short message verification and confirms the identity of the terminal user.
After the mobile phone number of the terminal user is acquired through the two embodiments shown in fig. 3, a payment step is performed.
Step 41, the payment platform creates a payment order and binds the mobile phone number of the terminal user, and creates a payment aggregation page, namely, updates the H5 page;
step 42, the payment platform returns the payment aggregation page of the new H5 link address to the terminal user;
and 43, selecting a payment mode for payment by the terminal user based on the payment aggregation page.
The payment steps of the interaction among the payment platform, the end user and the third party payment platform can refer to steps 6 to 14 of fig. 2.
In the embodiment of the application, a payment platform acquires a mobile phone number of a terminal user, a merchant identifier of a target merchant and payment information corresponding to a commodity identifier through an access request of the terminal user to a payment link contained in a 5G message, wherein the payment link carries the merchant identifier of the target merchant and the payment information of the commodity identifier; establishing an incidence relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third party payment platform, so that the target third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment; and sending a payment result notification to the terminal user based on the payment result corresponding to the payment request, so that 5G message payment and service can be provided for the merchant through a unified payment platform, the universality and compatibility of 5G message payment are improved, the cost of 5G message payment is reduced, and the payment efficiency is improved.
Optionally, an embodiment of the present application further provides a 5G message payment method, which is applied to a CSP platform. As shown in fig. 4, the method includes:
and step 206, carrying out parameter splicing on the first payment link, the mobile phone number and the CSP platform identification, generating a second payment link, and packaging the second payment link to the 5G message to be sent to the terminal user.
In the embodiment of the application, the payment link packaged in the 5G message is transformed through the CSP platform, the mobile phone number of the terminal user can be directly obtained from the payment link, and the mobile phone number and the payment information are associated and bound to complete payment operation, so that the speed and the efficiency of 5G message payment can be obviously improved, and the use experience of the user is improved.
Optionally, an embodiment of the present application further provides a 5G message payment system, and fig. 5 is a block diagram of the structure of the 5G message payment system in the embodiment of the present application.
As shown in fig. 5, the 5G message payment system according to the embodiment of the present application includes an end user 1200, a CSP platform 1600, a merchant 1400, a payment platform 1800, and a third party payment platform 1900.
The terminal user 1200 sends a commodity order request to a target merchant, and the target merchant registers in the CSP platform and the payment platform respectively;
the target merchant 1400, in response to the commodity order request, obtains a payment link corresponding to the commodity order request from the payment platform and encapsulates the payment link into a 5G message to send to the terminal user, where the payment link carries the merchant identifier of the target merchant and the payment information of the commodity identifier;
the CSP platform 1600 intercepts the 5G message, packages the mobile phone number of the terminal user to the payment link contained in the 5G message and then sends the payment link to the terminal user;
the payment platform 1800, based on the access request of the terminal user to the payment link included in the 5G message, obtains the mobile phone number of the terminal user, the merchant identification of the target merchant, and the payment information corresponding to the goods identification; establishing an incidence relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; sending a payment request carrying the payment information and the mobile phone number to the third-party payment platform based on the operation of the terminal user on the payment mode selection page;
the third party payment platform 1900 creates a third party payment page based on the merchant identifier and the commodity identifier and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
the payment platform 1800 sends a payment result notification to the end user based on the payment result corresponding to the payment request.
In addition, an embodiment of the present application further provides a 5G message payment apparatus, and fig. 6 is a block diagram of a structure of the 5G message payment apparatus according to the embodiment of the present application.
As shown in fig. 6, the 5G message payment apparatus 2000 includes a memory 2200 and a processor 2400 electrically connected to the memory 2200, where the memory 2200 stores a computer program that can be executed by the processor 2400, and when the computer program is executed by the processor, the computer program implements each process of any one of the above-mentioned 5G message payment method embodiments, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here.
An embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of any one of the embodiments of the 5G message payment method, and can achieve the same technical effect, and in order to avoid repetition, the computer program is not described herein again. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one of 8230, and" comprising 8230does not exclude the presence of additional like elements in a process, method, article, or apparatus comprising the element.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present application.
While the present embodiments have been described with reference to the accompanying drawings, it is to be understood that the invention is not limited to the precise embodiments described above, which are meant to be illustrative and not restrictive, and that various changes may be made therein by those skilled in the art without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (10)
1. A5G message payment method is applied to a payment platform and comprises the following steps:
acquiring a mobile phone number of a terminal user, a merchant identifier of a target merchant and payment information corresponding to a commodity identifier based on an access request of the terminal user to a payment link contained in a 5G message, wherein the payment link carries the merchant identifier of the target merchant and the payment information of the commodity identifier;
establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user;
based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third-party payment platform, so that the target third-party payment platform creates a third-party payment page based on the merchant identification and the commodity identification and sends the third-party payment page to the terminal user corresponding to the mobile phone number for payment;
and sending a payment result notice to the terminal user based on the payment result corresponding to the payment request.
2. The method of claim 1, prior to the end user accessing the payment link contained in the 5G message, further comprising:
receiving a commodity creating request sent by a merchant registered in the payment platform, wherein the commodity creating request carries a merchant identifier and a commodity identifier;
and generating a payment link according to the merchant identification and the commodity identification and storing the payment link into a target database, wherein the target merchant responds to a commodity ordering request sent by the terminal user, obtains the payment link corresponding to the commodity ordering request from the target database and packages the payment link into the 5G message so as to send the payment link to the terminal user.
3. The method of claim 2, wherein generating a payment link from a merchant identification and a merchandise identification comprises:
encrypting the merchant identification and the commodity identification respectively;
and carrying out parameter splicing on the encrypted merchant identification and the encrypted commodity identification to generate the payment link.
4. The method of claim 1, wherein obtaining the end user's cell phone number based on an end user's access request for a payment link contained in a 5G message comprises:
analyzing the parameters of the payment link, and judging whether the payment link carries the mobile phone number of the terminal user;
if so, acquiring the mobile phone number from the payment link, wherein the mobile phone number is packaged into the payment link contained in the 5G message before the 5G message is sent to the terminal user by a CSP platform of a 5G message service provider;
and if not, acquiring the mobile phone number through the target authentication server.
5. The method of claim 4, wherein obtaining the cell phone number by a target authentication server comprises:
determining a network connection type of the end user;
under the condition that the network connection type is cellular network connection, calling an automatic number taking capability to obtain the mobile phone number of the terminal user;
and after the mobile phone number passes the authentication of the first target authentication server, acquiring the mobile phone number.
6. The method of claim 4, wherein obtaining the cell phone number by a target authentication server comprises:
determining a network connection type of the end user;
under the condition that the network connection type is non-cellular network connection, receiving a mobile phone number input by the terminal user through a short message verification code function;
and after the mobile phone number passes the authentication of the second target authentication server, acquiring the mobile phone number.
7. A5G message payment method is applied to a CSP platform and comprises the following steps:
intercepting a 5G message which is sent by a target merchant in response to a commodity ordering request of a terminal user and contains a first payment link, wherein the first payment link carries a merchant identifier of the target merchant and payment information of a commodity identifier, and the target merchant is registered on the CSP platform;
acquiring the mobile phone number and the CSP platform identification of the terminal user according to the commodity ordering request;
and performing parameter splicing on the first payment link, the mobile phone number and the CSP platform identification to generate a second payment link, and packaging the second payment link to the 5G message to be sent to the terminal user.
8. A5G message payment system is characterized by comprising an end user, a CSP platform, a merchant, a payment platform and a third party payment platform,
the terminal user sends a commodity ordering request to a target merchant, and the target merchant is respectively registered on the CSP platform and the payment platform;
the target merchant responds to the commodity ordering request, acquires a payment link corresponding to the commodity ordering request from the payment platform, packages the payment link into a 5G message and sends the 5G message to the terminal user, wherein the payment link carries the merchant identification of the target merchant and the payment information of the commodity identification;
the CSP platform intercepts the 5G message, packages the mobile phone number of the terminal user to a payment link contained in the 5G message and then sends the payment link to the terminal user;
the payment platform acquires the mobile phone number of the terminal user, the merchant identification of the target merchant and the payment information corresponding to the commodity identification based on the access request of the terminal user to the payment link contained in the 5G message; establishing an incidence relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; sending a payment request carrying the payment information and the mobile phone number to the third party payment platform based on the operation of the terminal user on the payment mode selection page;
the third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
and the payment platform sends a payment result notice to the terminal user based on the payment result corresponding to the payment request.
9. A 5G message payment apparatus, comprising: a memory and a processor electrically connected to the memory, the memory storing a computer program executable on the processor, the computer program, when executed by the processor, implementing the steps of the method as claimed in any one of claims 1 to 6 or implementing the steps of the method as claimed in claim 7.
10. A computer-readable storage medium, characterized in that a computer program is stored thereon, which computer program, when being executed by a processor, carries out the steps of the method according to one of the claims 1 to 6 or carries out the steps of the method according to claim 7.
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