CN115775147A - Working method of service e-commerce payment aggregation platform - Google Patents
Working method of service e-commerce payment aggregation platform Download PDFInfo
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- CN115775147A CN115775147A CN202211458865.3A CN202211458865A CN115775147A CN 115775147 A CN115775147 A CN 115775147A CN 202211458865 A CN202211458865 A CN 202211458865A CN 115775147 A CN115775147 A CN 115775147A
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- 238000000034 method Methods 0.000 title claims abstract description 17
- 230000002776 aggregation Effects 0.000 title claims abstract description 11
- 238000004220 aggregation Methods 0.000 title claims abstract description 11
- 230000002159 abnormal effect Effects 0.000 claims description 3
- 238000012795 verification Methods 0.000 claims 2
- 238000003032 molecular docking Methods 0.000 abstract description 8
- 210000001503 joint Anatomy 0.000 description 5
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Abstract
The invention relates to a working method of a service e-commerce payment aggregation platform, which comprises the steps of firstly building a three-party payment local routing platform locally, specifically, the routing platform is responsible for docking three-party payment channels, the local routing platform can dock a plurality of different payment channels, integrating and normalizing the channels at the routing platform to form a uniform interface, providing a payment function internally or externally again, providing a payment API with a uniform standard externally, and ensuring the universality because the API is channelized, so that other platforms docking the routing platform can use a set of established payment standards to open accounts, log off the accounts, divide the accounts, recharge, cash withdrawal and other functions. The development cost is reduced, the development period is shortened, the management cost is reduced, and the code amount of the Internet platform is greatly reduced.
Description
Technical Field
The invention relates to the field of payment systems, in particular to a working method of a service e-commerce payment aggregation platform.
Background
With the development of mobile internet technology, many traditional industries are beginning to gradually expand offline services to online services, and online payment requirements are increasing.
At present, the internet platform uses a third party payment channel, and is mainly directly connected with the third party payment platform and is accessed once. Because of the inability to expand laterally, or the high cost of expansion. The third-party payment platform docking technology is mainly single payment docking, multi-channel instant-use is not solved, an internet platform is seriously dependent on a docking form of a three-party payment channel, and the three-party payment platform cannot make a response at the first time when being changed.
For example, the payment treasures, the WeChat banks and the banks have different butt joint modes for each payment channel, for example, the payment treasures need json lattice data transmission, the WeChat banks need xml format, the banks are different, even some banks adopt custom protocol transmission, thus great requirements are provided for butt joint payment of business parties, and strong technical strength is required for butt joint of various payment channels.
Therefore, in order to solve the above problems, an aggregated payment platform is urgently needed to interface various business parties and provide safe and reliable payment services for businesses.
Disclosure of Invention
The present invention addresses the problems with the background art described above. Aim at, it is first, solve the internet platform and can not dock multiple payment channel simultaneously. And secondly, the dependence of the local platform on the channel when the payment channel of the third party is changed is eliminated, and the quick docking is realized.
The specific technical scheme is as follows:
the working method of the service e-commerce payment aggregation platform is characterized in that:
the method comprises the following steps:
s1: the system is provided with a routing platform, a plurality of payment channels are arranged in the routing platform, the payment channels are used for being connected with a third-party payment platform in an abutting mode, the routing platform is provided with an information input interface, a client provides requirements for the routing platform through the information input interface, the requirements comprise account opening parameters and payment channel selection of a customer, and the routing platform configures a corresponding project payment channel according to the customer requirements;
s2: after the routing platform completes the payment channel configuration, the routing platform synchronizes the information of the customer to the participants;
s3: submitting a payment channel opening application to a routing platform by a client, carrying out preliminary examination on account opening information submitted by the client by the routing platform, if the examination result is normal, entering S4, and otherwise, re-submitting account opening data meeting the standard by the client;
s4: the routing platform forwards the account opening information to an account system for auditing, if the account opening information is normal, S4 is entered, otherwise, the routing platform returns the account opening information to the client, and the client resubmits account opening data meeting the account opening standard;
s5: the account system sends the customer information to a third party payment system for opening an account after auditing is finished;
s6: the third-party system transfers the account opening information to the corresponding client through the account system after the account opening is completed;
s7: the routing platform establishes a payment channel from the client to a third party payment channel, and the client generates a corresponding order through the payment channel configured by the routing platform;
s8: the account system checks the data of the order and the third-party payment to ensure that the data and the payment channel are normal;
s9: the account system matches payment parameters according to related items selected by the order;
s10: the account system sends the order parameters to the account system;
s11: the account system checks the order parameters, and transmits the order parameters to a third payment channel to complete payment after the order parameters are not abnormal;
s12: and after the third party payment is completed, returning the payment result to the customer through the account system.
Further: the routing platform provides a payment application interface with unified standard for the outside.
Further: the routing platform adopts a unified account management process.
Further: the routing platform is provided with an encryption system for carrying out unified encryption management on the accessed platform data.
Further, the method comprises the following steps: the third party payment system is a payment bank, a WeChat bank, a business bank and a farm bank.
The beneficial effects of the invention are as follows:
firstly, the routing platform provides a series of application interface programs, a plurality of third party payment modes are integrated on one interface, and the routing platform is responsible for butt joint with the third party payment in transaction settlement, so that online transaction is quicker and more convenient.
And secondly, the development cost is reduced, the development period is shortened, the management cost is reduced, and the code amount of the Internet platform is greatly reduced.
Thirdly, the consumer and the merchant do not need to set different accounts in different banks, so that the consumer can be helped to reduce the cost of online transaction, and the merchant is helped to reduce the operation cost; meanwhile, the system can help the bank to save the development cost of the gateway and bring certain potential profits for the bank.
Drawings
FIG. 1 is a flow chart of the operation of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. 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 invention.
As shown in fig. 1:
a working method of a service e-commerce payment aggregation platform,
the invention firstly builds a three-party payment local routing platform locally, and particularly, the routing platform is responsible for docking three-party payment channels, the local routing platform can dock a plurality of different payment channels, the channels are integrated and normalized by the routing platform to form a uniform interface, the payment function is provided for the inside or the outside again, the payment API with the uniform standard is provided for the outside, and the API is channelized to ensure the universality, so that other platforms docking the routing platform can use a set of established payment standards to set up the functions of account opening, account cancellation, account division, recharge, cash withdrawal and the like.
Meanwhile, the routing platform is provided with an encryption system for carrying out unified encryption management on the accessed platforms, and different platforms can receive an encryption public key before accessing the routing platform and are used when communicating with the routing receipt.
The encryption can be carried out on the whole platform or only aiming at a certain access platform, and the encryption is specifically controlled by a routing platform.
The method comprises the following specific working steps:
s1: the payment platform is provided with a routing platform, a plurality of payment channels are arranged in the routing platform, the payment channels are used for being connected with a third party payment platform, and in the embodiment, a third party payment product can be a PayPal, a Paibao, a financial payment system, a WeChat, an industrial and agricultural business and other banks.
The routing platform is provided with an information input interface and provides a payment application interface with unified standard for the outside. Meanwhile, an external platform can adopt a unified account management process. The routing platform provides a series of application interface programs, integrates a plurality of third party payment modes into one interface, and is responsible for butt joint with the third party payment in transaction settlement, so that online transaction is quicker and more convenient.
The client provides requirements for the routing platform through the information input interface, the requirements comprise account opening parameters and payment channel selection of a customer, and the routing platform configures a corresponding project payment channel according to the customer requirements;
s2: after the routing platform completes the payment channel configuration, the routing platform synchronizes the information of the customer to the participants;
s3: submitting a payment channel opening application to a routing platform by a client, carrying out preliminary examination on account opening information submitted by the client by the routing platform, if the examination result is normal, entering S4, and otherwise, re-submitting account opening data meeting the standard by the client;
s4: the routing platform forwards the account opening information to an account system for auditing, if the account opening information is normal, S4 is entered, otherwise, the routing platform returns the account opening information to the client, and the client resubmits account opening data meeting the account opening standard;
s5: the account system sends the customer information to a third party payment system for account opening after auditing is finished;
s6: after the account opening is completed, the third-party system transfers the account opening information to return to the corresponding client through the account system;
s7: the routing platform establishes a payment channel from the client to a third party payment channel, and the client generates a corresponding order through the payment channel configured by the routing platform;
s8: the account system checks the data of the order and the third-party payment to ensure that the data and the payment channel are normal;
s9: the account system matches payment parameters according to related items selected by the order;
s10: the account system sends the order parameters to the account system;
s11: the account system checks the order parameters, and transmits the order parameters to a third payment channel to complete payment after the order parameters are not abnormal;
s12: and after the third party payment is completed, returning the payment result to the customer through the account system.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.
Furthermore, it should be understood that although the present description refers to embodiments, not every embodiment may contain only a single embodiment, and such description is for clarity only, and those skilled in the art should integrate the description, and the embodiments may be combined as appropriate to form other embodiments understood by those skilled in the art.
Claims (5)
1. The working method of the service e-commerce payment aggregation platform is characterized in that:
the method comprises the following steps:
s1: the system is provided with a routing platform, a plurality of payment channels are arranged in the routing platform, the payment channels are used for being connected with a third-party payment platform in an abutting mode, the routing platform is provided with an information input interface, a client provides requirements for the routing platform through the information input interface, the requirements comprise account opening parameters and payment channel selection of a customer, and the routing platform configures a corresponding project payment channel according to the customer requirements;
s2: after the routing platform completes the payment channel configuration, the routing platform synchronizes the information of the customer to the participants;
s3: the client submits a payment channel opening application to the routing platform, the routing platform conducts preliminary examination and verification on account opening information submitted by the client, if the examination and verification are normal, S4 is conducted, and otherwise, the client resubmits account opening data meeting the standard;
s4: the routing platform forwards the account opening information to an account system for auditing, if the account opening information is normal, S4 is entered, otherwise, the routing platform returns the account opening information to the client, and the client resubmits account opening data meeting the account opening standard;
s5: the account system sends the customer information to a third party payment system for account opening after auditing is finished;
s6: the third-party system transfers the account opening information to the corresponding client through the account system after the account opening is completed;
s7: the routing platform establishes a payment channel from the client to a third party payment channel, and the client generates a corresponding order through the payment channel configured by the routing platform;
s8: the account system checks the data of the order and the third-party payment to ensure that the data and the payment channel are normal;
s9: the account system matches payment parameters according to related items selected by the order;
s10: the account system sends the order parameters to the account system;
s11: the account system checks the order parameters, and transmits the order parameters to a third payment channel to complete payment after the order parameters are not abnormal;
s12: and after the third party payment is completed, returning the payment result to the customer through the account system.
2. The working method of the e-commerce payment aggregation platform of claim 1, wherein: the routing platform provides a payment application interface with unified standard for the outside.
3. The working method of the service e-commerce payment aggregation platform of claim 2, wherein: the routing platform adopts a unified account management flow.
4. The method for operating the e-commerce payment aggregation platform of claim 3, wherein: the routing platform is provided with an encryption system for carrying out unified encryption management on the accessed platform data.
5. The method for operating the e-commerce payment aggregation platform of claim 4, wherein: the third party payment system is a payment bank, a WeChat bank, a business bank and a farm bank.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202211458865.3A CN115775147A (en) | 2022-11-17 | 2022-11-17 | Working method of service e-commerce payment aggregation platform |
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| CN202211458865.3A CN115775147A (en) | 2022-11-17 | 2022-11-17 | Working method of service e-commerce payment aggregation platform |
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Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296144A (en) * | 2016-07-29 | 2017-01-04 | 努比亚技术有限公司 | Payment processes server, client and payment processing method |
| US20190303910A1 (en) * | 2016-06-22 | 2019-10-03 | National Payments Corporation Of India | An electronic payment system and method thereof |
| US20200184446A1 (en) * | 2018-12-07 | 2020-06-11 | Target Brands, Inc. | Method and system for centralized checkout process |
| CN112116438A (en) * | 2020-07-31 | 2020-12-22 | 福建亿能达信息技术股份有限公司 | Multi-channel payment integration method, platform, equipment and medium |
| CN113592503A (en) * | 2021-07-30 | 2021-11-02 | 中国工商银行股份有限公司 | Unified payment authentication transaction method, server and system |
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2022
- 2022-11-17 CN CN202211458865.3A patent/CN115775147A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20190303910A1 (en) * | 2016-06-22 | 2019-10-03 | National Payments Corporation Of India | An electronic payment system and method thereof |
| CN106296144A (en) * | 2016-07-29 | 2017-01-04 | 努比亚技术有限公司 | Payment processes server, client and payment processing method |
| US20200184446A1 (en) * | 2018-12-07 | 2020-06-11 | Target Brands, Inc. | Method and system for centralized checkout process |
| CN112116438A (en) * | 2020-07-31 | 2020-12-22 | 福建亿能达信息技术股份有限公司 | Multi-channel payment integration method, platform, equipment and medium |
| CN113592503A (en) * | 2021-07-30 | 2021-11-02 | 中国工商银行股份有限公司 | Unified payment authentication transaction method, server and system |
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