TWI778314B - An electronic payment method, device, system and storage medium - Google Patents
An electronic payment method, device, system and storage medium Download PDFInfo
- Publication number
- TWI778314B TWI778314B TW108147031A TW108147031A TWI778314B TW I778314 B TWI778314 B TW I778314B TW 108147031 A TW108147031 A TW 108147031A TW 108147031 A TW108147031 A TW 108147031A TW I778314 B TWI778314 B TW I778314B
- Authority
- TW
- Taiwan
- Prior art keywords
- payment
- acceptance
- electronic
- message
- institution
- Prior art date
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Automatic Disk Changers (AREA)
Abstract
本發明公開了一種電子支付方法、裝置、系統和存儲介質，用以在提高電子支付安全性的同時，降低支付受理用戶端的終端設備的資源開銷。該電子支付系統，包括：支付受理系統，用於向轉接平臺發送電子支付受理請求報文，其中攜帶有支付機構標識；以及根據轉接平臺返回的跳轉位址向支付處理系統發送電子支付處理報文，其中攜帶有支付參考資訊；轉接平臺，用於在接收到該電子支付受理請求報文後，從存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找支付機構標識對應的跳轉位址；向支付受理系統返回第一應答報文，其中攜帶有該跳轉位址；支付處理系統，用於在接收到電子支付處理報文之後，根據其中的支付參考資訊完成電子支付。 The invention discloses an electronic payment method, device, system and storage medium, which are used to reduce the resource overhead of the terminal equipment of the payment acceptance client while improving the security of the electronic payment. The electronic payment system includes: a payment acceptance system, which is used to send an electronic payment acceptance request message to the transfer platform, which carries the identification of the payment institution; and sends the electronic payment processing system to the payment processing system according to the jump address returned by the transfer platform. The message, which carries the payment reference information; the transfer platform is used to find the payment institution from the stored correspondence between the payment institution identifier and the payment processing system jump address after receiving the electronic payment acceptance request message Identifies the corresponding jumping address; returns the first response message to the payment acceptance system, which carries the jumping address; the payment processing system is used to complete the electronic payment process according to the payment reference information after receiving the electronic payment processing message. pay.
Description
本發明屬於資料處理技術領域，尤其是關於一種電子支付方法、裝置、系統和存儲介質。 The invention belongs to the technical field of data processing, and in particular relates to an electronic payment method, device, system and storage medium.
電子支付是指消費者、商家和金融機構之間使用安全電子手段把支付資訊通過資訊網路安全地傳送到銀行或相應的處理機構，用來實現貨幣支付或資金流轉的行為。 Electronic payment refers to the use of secure electronic means among consumers, merchants and financial institutions to securely transmit payment information to banks or corresponding processing institutions through information networks to realize currency payment or capital flow.
現有的電子支付方法主要有以下兩種：一種為第三方廠商快捷支付模式，使用者預先在第三方廠商支付系統中輸入使用者銀行帳戶資訊，即銀行卡四要素資訊：姓名、身份證號、銀行卡號和手機號，並向銀行支付處理系統請求銀行卡綁定簽約，以開通第三方廠商快捷支付，後續用戶在消費支付時，只需由第三方廠商支付系統提交使用者的簽約號以及交易金額等資訊，向銀行支付處理系統請求扣款即可。這種支付模式下，第三方廠商支付系統需要獲取使用者銀行帳戶資訊，容易造成使用者帳戶資訊的洩露，另外一種為銀行支付用戶端支付模式，這種支付模式下，各個銀行各自為商戶提供支付收銀系統，商家在終端設備上需要安裝不同銀行的支付受理系統，需要佔用較多的處理資源。 The existing electronic payment methods mainly have the following two types: one is the third-party manufacturer's quick payment mode, in which the user enters the user's bank account information in the third-party manufacturer's payment system in advance, that is, the information of the four elements of the bank card: name, ID number, Bank card number and mobile phone number, and request the bank card binding contract to the bank's payment processing system to enable the third-party manufacturer's fast payment. When the subsequent user pays for consumption, the third-party manufacturer's payment system only needs to submit the user's contract number and transaction. The amount and other information can be deducted from the bank's payment processing system. In this payment mode, the third-party manufacturer's payment system needs to obtain the user's bank account information, which may easily lead to the leakage of the user's account information. For payment and cashier systems, merchants need to install payment acceptance systems of different banks on terminal devices, which require more processing resources.
由此可見，如何在提高電子支付方法的安全性的同時，降低 安裝支付受理用戶端的終端設備的資源開銷成為現有技術中亟待解決的技術問題之一。 It can be seen that how to improve the security of electronic payment methods while reducing The resource overhead of installing the terminal equipment of the payment acceptance client has become one of the technical problems to be solved urgently in the prior art.
本發明實施例提供一種電子支付方法、裝置、系統和存儲介質，用以在提高電子支付安全性的同時，降低支付受理用戶端的終端設備的資源開銷。 The embodiments of the present invention provide an electronic payment method, device, system and storage medium, which are used to reduce the resource overhead of the terminal equipment of the payment acceptance client while improving the security of the electronic payment.
第一方面，提供一種電子支付系統，包括： In a first aspect, an electronic payment system is provided, including:
支付受理系統，用於向轉接平臺發送電子支付受理請求報文，該電子支付受理請求報文中攜帶有支付機構標識；以及根據該轉接平臺返回的跳轉位址向該支付處理系統發送電子支付處理報文，該電子支付處理報文中攜帶有支付參考資訊； A payment acceptance system, which is used to send an electronic payment acceptance request message to the transfer platform, where the electronic payment acceptance request message carries the identification of the payment institution; and send electronic payment to the payment processing system according to the jump address returned by the transfer platform Processing message, the electronic payment processing message carries payment reference information;
轉接平臺，用於在接收到該電子支付受理請求報文後，從存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找該電子支付受理請求報文中攜帶的支付機構標識對應的跳轉位址；向該支付受理系統返回第一應答報文，該第一應答報文中攜帶有該跳轉位址； The transfer platform is configured to, after receiving the electronic payment acceptance request message, search for the payment institution ID carried in the electronic payment acceptance request message from the stored correspondence between the payment agency ID and the payment processing system jump address Corresponding jump address; return a first response message to the payment acceptance system, and the first response message carries the jump address;
支付處理系統，用於在接收到電子支付處理報文之後，根據其中的支付參考資訊完成電子支付。 The payment processing system is used to complete electronic payment according to the payment reference information in the electronic payment processing message after receiving it.
可選地，該支付受理系統，還用於在向轉接平臺發送電子支付受理請求報文之前，向該轉接平臺發送支付機構列表查詢報文； Optionally, the payment acceptance system is further configured to send a payment institution list query message to the transfer platform before sending the electronic payment acceptance request message to the transfer platform;
該轉接平臺，還用於向該支付處理系統返回該支付機構列表查詢報文的第二應答報文，該第二應答報文中攜帶有支付機構清單資訊，該支付機 構清單資訊中至少包括該支付機構標識。 The transfer platform is further configured to return a second response message of the payment institution list query message to the payment processing system, where the second response message carries the payment institution list information. At least the payment institution identifier is included in the institution list information.
其中，該支付處理系統，還用於在完成電子支付之後，向該轉接平臺返回支付結果通知報文； Wherein, the payment processing system is further configured to return a payment result notification message to the transfer platform after completing the electronic payment;
該轉接平臺，還用於向該支付受理系統轉發該支付結果通知報文。 The transfer platform is further configured to forward the payment result notification message to the payment acceptance system.
可選地，該支付處理系統，具體用於在接收到電子支付處理報文之後，對支付用戶進行身份驗證，確定身份驗證通過之後，根據該支付參考資訊進行支付認證通過之後完成電子支付。 Optionally, the payment processing system is specifically configured to perform identity verification on the payment user after receiving the electronic payment processing message, and after confirming that the identity verification is passed, perform payment authentication according to the payment reference information and complete the electronic payment.
可選地，該支付受理系統，具體用於根據該轉接平臺返回的跳轉位址，調用支付受理用戶端該支付處理系統發送電子支付處理報文。 Optionally, the payment acceptance system is specifically configured to, according to the jumping address returned by the transfer platform, call the payment processing system on the payment acceptance client side to send the electronic payment processing message.
第二方面，提供一種電子支付方法，包括： In a second aspect, an electronic payment method is provided, including:
接收支付受理系統發送的電子支付受理請求報文，該電子支付受理請求報文中攜帶有支付機構標識； Receive an electronic payment acceptance request message sent by the payment acceptance system, where the electronic payment acceptance request message carries the payment institution identifier;
從存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找該電子支付受理請求報文中攜帶的支付機構標識對應的跳轉位址； Search for the jump address corresponding to the payment agency ID carried in the electronic payment acceptance request message from the stored correspondence between the payment agency ID and the payment processing system jump address;
向該支付受理系統發送第一應答報文，該第一應答報文中攜帶有該跳轉位址，由該支付受理系統根據該跳轉位址向該支付處理系統發送電子支付處理報文，其中攜帶有支付參考資訊，由該支付處理系統根據該支付參考資訊完成電子支付。 Send a first response message to the payment acceptance system, the first response message carries the jump address, and the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, which carries the jump address. Payment reference information, the payment processing system completes electronic payment according to the payment reference information.
可選地，在接收支付受理系統發送的電子支付受理請求報文之前，還包括： Optionally, before receiving the electronic payment acceptance request message sent by the payment acceptance system, the method further includes:
接收該支付受理系統發送的支付機構清單查詢報文； Receive the payment institution list query message sent by the payment acceptance system;
向該支付處理系統針對該支付機構列表查詢報文返回第二應答報文， 該第二應答報文中攜帶有支付機構清單資訊，該支付機構清單資訊中至少包括該支付機構標識。 returning a second response message to the payment processing system for the payment institution list query message, The second response message carries payment institution list information, and the payment institution list information at least includes the payment institution identifier.
可選地，本發明實施例提供的電子支付方法，還包括： Optionally, the electronic payment method provided by the embodiment of the present invention further includes:
接收該支付處理系統在完成電子支付後發送的支付結果通知報文； Receive the payment result notification message sent by the payment processing system after completing the electronic payment;
向該支付受理系統轉發該支付結果通知報文。 The payment result notification message is forwarded to the payment acceptance system.
第三方面，提供一種電子支付裝置，包括： In a third aspect, an electronic payment device is provided, including:
接收單元，用於接收支付受理系統發送的電子支付受理請求報文，該電子支付受理請求報文中攜帶有支付機構標識； a receiving unit, configured to receive an electronic payment acceptance request message sent by the payment acceptance system, where the electronic payment acceptance request message carries a payment institution identifier;
查找單元，用於從存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找該電子支付受理請求報文中攜帶的支付機構標識對應的跳轉位址； a search unit, configured to search for the jump address corresponding to the payment agency ID carried in the electronic payment acceptance request message from the stored correspondence between the payment agency ID and the payment processing system jump address;
應答單元，用於向該支付受理系統發送第一應答報文，該第一應答報文中攜帶有該跳轉位址，由該支付受理系統根據該跳轉位址向該支付處理系統發送電子支付處理報文，其中攜帶有支付參考資訊，由該支付處理系統根據該支付參考資訊完成電子支付。 A response unit, configured to send a first response message to the payment acceptance system, where the first response message carries the jump address, and the payment acceptance system sends an electronic payment processing report to the payment processing system according to the jump address document, which carries payment reference information, and the payment processing system completes electronic payment according to the payment reference information.
其中，該接收單元，還用於在接收支付受理系統發送的電子支付受理請求報文之前，接收該支付受理系統發送的支付機構清單查詢報文； Wherein, the receiving unit is further configured to receive the payment institution list query message sent by the payment acceptance system before receiving the electronic payment acceptance request message sent by the payment acceptance system;
該應答單元，還用於向該支付處理系統針對該支付機構列表查詢報文返回第二應答報文，該第二應答報文中攜帶有支付機構清單資訊，該支付機構清單資訊中至少包括該支付機構標識。 The response unit is further configured to return a second response message to the payment processing system for the payment institution list query message, where the second response message carries payment institution list information, and the payment institution list information at least includes the payment institution list. Institution ID.
可選地，該接收單元，還用於接收該支付處理系統在完成電 子支付後發送的支付結果通知報文； Optionally, the receiving unit is also configured to receive the payment processing system after completing the electrical Payment result notification message sent after sub-payment;
該應答單元，還用於向該支付受理系統轉發該支付結果通知報文。 The response unit is further configured to forward the payment result notification message to the payment acceptance system.
第四方面，提供一種計算裝置，包括至少一個處理器、以及至少一個記憶體，其中，該記憶體存儲有電腦程式，當該程式被該處理器執行時，使得該處理器執行上述電子支付方法所述的任一步驟。 In a fourth aspect, a computing device is provided, comprising at least one processor and at least one memory, wherein the memory stores a computer program that, when the program is executed by the processor, causes the processor to execute the above electronic payment method any of the steps described.
第五方面，提供一種電腦可讀介質，其存儲有可由計算裝置執行的電腦程式，當該程式在計算裝置上運行時，使得該計算裝置執行上述電子支付方法所述的任一步驟。 In a fifth aspect, a computer-readable medium is provided, which stores a computer program executable by a computing device, and when the program runs on the computing device, causes the computing device to perform any of the steps described in the above-mentioned electronic payment method.
本發明實施例提供的電子支付方法、裝置、系統和存儲介質，支付受理系統和支付處理系統均接取轉接平臺，當有用戶請求支付時，支付受理系統通過向轉接平臺發送電子支付受理報文請求以獲得支付處理系統的跳轉位址，根據跳轉位址向支付處理系統發送支付處理報文，由支付處理系統完成電子支付處理，上述過程中，除了完成電子支付處理的支付處理系統以外，轉接平臺和支付受理系統均無需獲得使用者帳戶資訊，避免了使用者帳戶資訊洩露，提高了電子支付的安全性，另一方面，支付受理系統無需安裝不同支付處理系統的受理用戶端，從而降低了相應設備的資源開銷。 In the electronic payment method, device, system, and storage medium provided by the embodiments of the present invention, both the payment acceptance system and the payment processing system access the transfer platform, and when a user requests payment, the payment acceptance system sends an electronic payment acceptance to the transfer platform. The message request is to obtain the jump address of the payment processing system, and the payment processing message is sent to the payment processing system according to the jump address, and the payment processing system completes the electronic payment processing. In the above process, in addition to the payment processing system that completes the electronic payment processing , the transfer platform and the payment acceptance system do not need to obtain user account information, which avoids the leakage of user account information and improves the security of electronic payment. On the other hand, the payment acceptance system does not need to install different payment processing systems. Thus, the resource overhead of the corresponding device is reduced.
本發明的其它特徵和優點將在隨後的說明書中闡述，並且，部分地從說明書中變得顯而易見，或者通過實施本發明而瞭解。本發明的目的和其他優點可通過在所寫的說明書、申請專利範圍、以及附圖中所特別指出的結構來實現和獲得。 Other features and advantages of the present invention will be set forth in the description which follows, and in part will be apparent from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention may be realized and attained by the structure particularly pointed out in the written description, claim scope, and drawings.
S21~S25、S51~S512、S91~S93‧‧‧步驟 Steps S21~S25, S51~S512, S91~S93‧‧‧
101‧‧‧支付受理系統 101‧‧‧Payment Acceptance System
102‧‧‧轉接平臺 102‧‧‧Transfer Platform
103‧‧‧支付處理系統 103‧‧‧Payment Processing System
1001‧‧‧接收單元 1001‧‧‧Receiver Unit
1002‧‧‧查找單元 1002‧‧‧Search unit
1003‧‧‧應答單元 1003‧‧‧Response Unit
110‧‧‧計算裝置 110‧‧‧Computing Devices
111‧‧‧處理器 111‧‧‧Processor
112‧‧‧記憶體 112‧‧‧Memory
1121‧‧‧隨機存取記憶體 1121‧‧‧Random Access Memory
1122‧‧‧高速快取記憶體 1122‧‧‧High-speed cache memory
1123‧‧‧唯讀記憶體 1123‧‧‧Read-only memory
1124‧‧‧程式模組 1124‧‧‧Program Modules
1125‧‧‧程式/實用工具 1125‧‧‧Programs/Utilities
113‧‧‧匯流排 113‧‧‧Bus
114‧‧‧外部設備 114‧‧‧External Equipment
115‧‧‧I/O介面 115‧‧‧I/O interface
116‧‧‧網路介面卡 116‧‧‧Network Interface Card
此處所說明的附圖用來提供對本發明的進一步理解，構成本發明的一部分，本發明的示意性實施例及其說明用於解釋本發明，並不構成對本發明的不當限定。在附圖中： The accompanying drawings described herein are used to provide further understanding of the present invention and constitute a part of the present invention. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the attached image:
圖1為本發明實施例提供的電子支付系統的結構示意圖； 1 is a schematic structural diagram of an electronic payment system provided by an embodiment of the present invention;
圖2為根據本發明實施方式的支付機構清單查詢流程示意圖； FIG. 2 is a schematic diagram of a payment institution list query process according to an embodiment of the present invention;
圖3為根據本發明實施方式的訂單支付頁面示意圖； 3 is a schematic diagram of an order payment page according to an embodiment of the present invention;
圖4為根據本發明實施方式的向使用者呈現的支付機構清單資訊示意圖； 4 is a schematic diagram of payment institution list information presented to a user according to an embodiment of the present invention;
圖5為根據本發明實施方式的支付受理系統、轉接平臺以及支付處理系統之間的交互流程示意圖； 5 is a schematic diagram of an interaction flow between a payment acceptance system, a transfer platform, and a payment processing system according to an embodiment of the present invention;
圖6為根據本發明實施方式的身份驗證介面示意圖； 6 is a schematic diagram of an identity verification interface according to an embodiment of the present invention;
圖7為根據本發明實施方式的訂單確認頁面示意圖； 7 is a schematic diagram of an order confirmation page according to an embodiment of the present invention;
圖8為根據本發明實施方式的支付確認認證頁面示意圖； 8 is a schematic diagram of a payment confirmation authentication page according to an embodiment of the present invention;
圖9為根據本發明實施方式的轉接平臺側實施的電子支付方法的實施流程示意圖； FIG. 9 is a schematic diagram of an implementation flow of an electronic payment method implemented on the switching platform side according to an embodiment of the present invention;
圖10為根據本發明實施例方式的轉接平臺側實施的電子支付裝置的結構示意圖； 10 is a schematic structural diagram of an electronic payment device implemented on the switching platform side according to an embodiment of the present invention;
圖11為根據本發明實施方式的計算裝置的結構示意圖。 FIG. 11 is a schematic structural diagram of a computing device according to an embodiment of the present invention.
為了在提高電子支付安全性的同時，降低安裝支付受理用戶端的終端設備的資源開銷，本發明實施例提供了一種電子支付方法、裝置和存儲介質。 In order to improve the security of electronic payment and reduce the resource overhead of installing the terminal equipment of the payment acceptance client, the embodiments of the present invention provide an electronic payment method, device and storage medium.
需要說明的是，本發明中的終端設備可以是個人電腦(英文全稱：Personal Computer，PC)、平板電腦、個人數位助理(Personal Digita l Assistant，PDA)、個人通信業務(英文全稱：Personal Communication Service，PCS)電話、筆記本和手機等終端設備，也可以是具有移動終端的電腦，例如，可以是可攜式、袖珍式、掌上型、電腦內置的或者車載的移動裝置，它們能夠向使用者提供語音和/或資料連通性的設備，以及與無線接取網交換語言和/或資料。 It should be noted that the terminal device in the present invention may be a personal computer (full English name: Personal Computer, PC), a tablet computer, a personal digital assistant (Personal Digital Assistant, PDA), a personal communication service (full English name: Personal Communication Service , PCS) terminal equipment such as telephones, notebooks and mobile phones, and can also be computers with mobile terminals, such as portable, pocket-sized, palm-sized, computer-built or vehicle-mounted mobile devices that can provide Equipment for voice and/or data connectivity, and exchange of language and/or data with wireless access networks.
另外，本發明實施例中的說明書和申請專利範圍及上述附圖中的術語「第一」、「第二」等是用於區別類似的物件，而不必用於描述特定的順序或先後次序。應該理解這樣使用的資料在適當情況下可以互換，以便這裡描述的實施例能夠以除了在這裡圖示或描述的內容以外的順序實施。 In addition, the terms "first", "second" and the like in the description and the patent application scope of the embodiments of the present invention and the above-mentioned drawings are used to distinguish similar items, and are not necessarily used to describe a specific sequence or sequence. It is to be understood that the materials so used are interchangeable under appropriate circumstances such that the embodiments described herein can be practiced in sequences other than those illustrated or described herein.
在本文中提及的「多個或者若干個」是指兩個或兩個以上。「和/或」，描述關聯物件的關聯關係，表示可以存在三種關係，例如，A和/或B，可以表示：單獨存在A，同時存在A和B，單獨存在B這三種情況。字元「/」一般表示前後關聯物件是一種「或」的關係。 Reference herein to "a plurality or several" means two or more. "And/or" describes the relationship between related objects, indicating that there can be three kinds of relationships, for example, A and/or B, which can mean that A exists alone, A and B exist at the same time, and B exists alone. The character "/" generally indicates that the contextual objects are in an "or" relationship.
以下結合說明書附圖對本發明的優選實施例進行說明，應當理解，此處所描述的優選實施例僅用於說明和解釋本發明，並不用於限定本發明，並且在不衝突的情況下，本發明中的實施例及實施例中的特徵可 以相互組合。 The preferred embodiments of the present invention will be described below with reference to the accompanying drawings. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present invention, but not to limit the present invention, and in the case of no conflict, the present invention The embodiments in and the features in the embodiments can be to be combined with each other.
如圖1所示，其為本發明實施例提供的電子支付系統的結構示意圖，包括支付受理系統101，轉接平臺102和支付處理系統103。其中，支付受理系統包括支付受理後臺系統即支付受理伺服器和支付受理控制項，支付受理控制項集成於商戶應用用戶端中，支付處理系統包括支付處理後臺系統和支付處理控制項，支付處理控制項可以集成於支付機構應用程式用戶端中，例如，可以集成於各銀行機構的APP(應用程式用戶端)中。其中，支付受理系統和支付處理系統統一與轉接平臺連接。
As shown in FIG. 1 , it is a schematic structural diagram of an electronic payment system provided by an embodiment of the present invention, including a payment acceptance system 101 , a
其中，支付受理系統和支付處理系統通過接取層接取轉接平臺。接取方式可以但不限於為以下接取方式：專線接取、公網接取。轉接平臺與各個機構處理系統之間的通信協定可以但不限於採用TCP(Transmission Control Protocol，傳輸控制協議)和HTTP(Hyper Text Transport Protocol，超文字傳輸協定)等通信協議。支付受理系統和支付處理系統與轉接平臺之間交互的消息格式可以但限於XML(EXtensible Markup Language，可延伸標記語言)格式、JSON(JavaScript Object Notation，JavaScript對象標記法)格式、8583格式等。 Among them, the payment acceptance system and the payment processing system access the transfer platform through the access layer. The access method can be, but is not limited to, the following access methods: dedicated line access, public network access. The communication protocol between the switching platform and each institutional processing system may be, but is not limited to, communication protocols such as TCP (Transmission Control Protocol, Transmission Control Protocol) and HTTP (Hyper Text Transport Protocol, Hyper Text Transport Protocol). The message format of the interaction between the payment acceptance system, the payment processing system and the transfer platform may be but limited to XML (EXtensible Markup Language) format, JSON (JavaScript Object Notation, JavaScript Object Notation) format, 8583 format, etc.
支付用戶在支付機構開通帳戶之後，支付機構存儲支付使用者的帳戶資訊使用者後續的電子支付，包括使用者的帳戶資訊(例如可以為銀行卡卡號)、身份證號碼、姓名等，具體實施時，用戶還可以通過支付機構應用用戶端綁定帳戶資訊與手機號碼等之間的綁定關係。 After the payment user opens an account with the payment institution, the payment institution stores the payment user's account information and the user's subsequent electronic payment, including the user's account information (for example, the bank card number), ID number, name, etc. , the user can also bind the binding relationship between the account information and the mobile phone number through the payment institution application client.
本發明實施例提供的電子支付系統中，支付受理系統，用於向轉接平臺發送電子支付受理請求報文，該電子支付受理請求報文中攜帶 有支付機構標識；以及根據該轉接平臺返回的跳轉位址向該支付處理系統發送電子支付處理報文，該電子支付處理報文中攜帶有支付參考資訊； In the electronic payment system provided by the embodiment of the present invention, the payment acceptance system is configured to send an electronic payment acceptance request message to the transfer platform, where the electronic payment acceptance request message carries having the identification of the payment institution; and sending an electronic payment processing message to the payment processing system according to the jumping address returned by the switching platform, and the electronic payment processing message carries the payment reference information;
轉接平臺，用於在接收到該電子支付受理請求報文後，從存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找該電子支付受理請求報文中攜帶的支付機構標識對應的跳轉位址；向該支付受理系統返回第一應答報文，該第一應答報文中攜帶有該跳轉位址； The transfer platform is configured to, after receiving the electronic payment acceptance request message, search for the payment institution ID carried in the electronic payment acceptance request message from the stored correspondence between the payment agency ID and the payment processing system jump address Corresponding jump address; return a first response message to the payment acceptance system, and the first response message carries the jump address;
支付處理系統，用於在接收到電子支付處理報文之後，根據其中的支付參考資訊完成電子支付。 The payment processing system is used to complete electronic payment according to the payment reference information in the electronic payment processing message after receiving it.
其中，該支付處理系統，具體用於根據該轉接平臺返回的跳轉位址，調用支付受理用戶端該支付處理系統發送電子支付處理報文；以及在接收到電子支付處理報文之後，對支付用戶進行身份驗證，確定身份驗證通過之後，根據該支付參考資訊進行支付認證通過之後完成電子支付。 The payment processing system is specifically configured to call the payment processing system on the payment acceptance client side to send an electronic payment processing message according to the jumping address returned by the transfer platform; and after receiving the electronic payment processing message After the user performs identity verification and confirms that the identity verification is passed, the electronic payment is completed after the payment verification is passed according to the payment reference information.
具體實施時，該支付受理系統，還用於在向轉接平臺發送電子支付受理請求報文之前，向該轉接平臺發送支付機構列表查詢報文； During specific implementation, the payment acceptance system is further configured to send a payment institution list query message to the transfer platform before sending the electronic payment acceptance request message to the transfer platform;
該轉接平臺，還用於向該支付處理系統返回該支付機構列表查詢報文的第二應答報文，該第二應答報文中攜帶有支付機構清單資訊，該支付機構清單資訊中至少包括該支付機構標識。 The transfer platform is further configured to return a second response message of the payment institution list query message to the payment processing system, where the second response message carries payment institution list information, and the payment institution list information at least includes the payment institution list information. Payment institution identification.
可選地，該支付處理系統，還用於在完成電子支付之後，向該轉接平臺返回支付結果通知報文； Optionally, the payment processing system is further configured to return a payment result notification message to the transfer platform after completing the electronic payment;
該轉接平臺，還用於向該支付受理系統轉發該支付結果通知報文。 The transfer platform is further configured to forward the payment result notification message to the payment acceptance system.
以下結合圖1所示的電子支付系統，對本發明實施例提供的 電子支付方法的實施流程進行詳細介紹。 In the following, in conjunction with the electronic payment system shown in FIG. The implementation process of the electronic payment method is introduced in detail.
本發明實施例提供的轉接平臺可以包括以下功能模組：協定解析模組、連線處理模組、路由策略模組、報文封裝模組、資訊服務模組和配置管理模組。以下對各個功能模組分別進行介紹。 The switching platform provided by the embodiment of the present invention may include the following functional modules: a protocol parsing module, a connection processing module, a routing policy module, a message encapsulation module, an information service module, and a configuration management module. Each function module is introduced separately below.
協定解析模組的主要功能是解析請求報文，並對報文中欄位格式的合法性進行校驗。本發明實施例中，主要是關於以下幾種報文：支付機構列表查詢報文及其應答報文、電子支付受理請求報文及其應答報文、支付處理系統發送的支付結果通知報文、向支付受理系統發送的支付結果通知報文等。 The main function of the protocol parsing module is to parse the request message and verify the validity of the field format in the message. In the embodiment of the present invention, it is mainly about the following kinds of messages: payment institution list query message and its response message, electronic payment acceptance request message and its response message, payment result notification message sent by the payment processing system, The payment result notification message sent to the payment acceptance system, etc.
支付機構列表查詢報文的應答報文中包含的必要欄位包括支付機構清單資訊，支付機構清單資訊中應當包括支付機構標識，還可以包括以下至少一項：支付機構名稱、支付機構應用用戶端的圖示、支付機構的行銷資訊以及支付機構應用用戶端的簡要描述等等。 The necessary fields included in the response message of the payment institution list query message include the payment institution list information, and the payment institution list information should include the payment institution identifier, and may also include at least one of the following: the name of the payment institution, and the image of the application client of the payment institution. display, marketing information of the payment institution, and a brief description of the payment institution's application client, etc.
電子支付受理請求報文中包含的必要欄位包括支付機構標識，還可以包括支付參考資訊，其中支付參考資訊可以但限於包括以下至少一項：支付交易流水號、支付金額、訂單資訊等。 The necessary fields included in the electronic payment acceptance request message include the payment institution identifier, and may also include payment reference information, wherein the payment reference information may include, but is limited to, at least one of the following: payment transaction serial number, payment amount, order information, etc.
電子支付受理請求報文的應答報文中包含的必要欄位包括支付機構處理系統的跳轉位址，還可以包括支付參考資訊，其中支付參考資訊可以但限於包括以下至少一項：支付交易流水號、支付金額、訂單資訊等。 The necessary fields included in the response message of the electronic payment acceptance request message include the jump address of the payment institution processing system, and may also include payment reference information, wherein the payment reference information may include but is limited to at least one of the following: payment transaction serial number, Payment amount, order information, etc.
其中，為了提高轉接平臺和支付受理系統之間傳輸資料的安全性，具體實施時，可以對兩者之間傳輸的資料進行加密處理。 Among them, in order to improve the security of data transmission between the transfer platform and the payment acceptance system, during the specific implementation, the data transmitted between the two may be encrypted.
支付處理系統發送的支付結果通知報文中包含的必要欄位包括支付結果，還可以包含支付參考資訊，其中支付參考資訊可以但限於包括以下至少一項：支付交易流水號、支付金額、訂單資訊等。 The necessary fields included in the payment result notification message sent by the payment processing system include the payment result, and may also include payment reference information. The payment reference information may include, but is limited to, at least one of the following: payment transaction serial number, payment amount, order information, etc. .
向支付受理系統發送的支付結果通知報文中包含的必要欄位包括支付結果，還可以包含支付參考資訊，其中支付參考資訊可以但限於包括以下至少一項：支付交易流水號、支付金額、訂單資訊等。 The necessary fields included in the payment result notification message sent to the payment acceptance system include the payment result, and may also include payment reference information, wherein the payment reference information may include but is limited to at least one of the following: payment transaction serial number, payment amount, order information Wait.
另外，在本發明實施例中，還關於一個報文即電子支付處理報文，該報文由支付受理系統中的支付控制項發送給支付處理系統中的支付控制項，電子支付處理報文中包含的必要欄位包括支付參考資訊。為了保證資料傳輸的安全性，在兩者之間傳輸的資料同樣可以經過加密處理後再進行傳輸。 In addition, in the embodiment of the present invention, it is also about a message, that is, an electronic payment processing message, the message is sent by the payment control item in the payment acceptance system to the payment control item in the payment processing system, and the electronic payment processing message contains Required fields include payment reference information. In order to ensure the security of data transmission, the data transmitted between the two can also be encrypted before transmission.
連線處理模組的主要用於完成電子支付處理中的轉接平臺部分的處理流程，具體如下：根據協定解析報文解析得到的電子支付受理請求報文，從中提取支付機構標識，連線處理模組利用支付機構標識查找資料庫中存儲的該支付機構標識對應的跳轉位址，調用報文封裝模組生成應答報文返回給支付受理系統。 The connection processing module is mainly used to complete the processing flow of the transfer platform part of the electronic payment processing. The details are as follows: the electronic payment acceptance request message obtained by parsing the message according to the agreement is extracted, the payment institution identifier is extracted from it, and the connection processing is performed. The module uses the payment institution identifier to look up the jump address corresponding to the payment institution identifier stored in the database, and calls the message encapsulation module to generate a response message and return it to the payment acceptance system.
連線處理模組還可以用於支付機構清單查詢流程，具體如下：根據協定解析報文解析得到的支付機構列表查詢報文，獲取資料庫中存儲的支援本發明實施例提供的電子支付方法的支付機構列表，調用報文封裝模組生成應答報文返回給支付受理系統。 The connection processing module can also be used for the payment institution list query process, and the details are as follows: according to the payment institution list query message obtained by parsing the message according to the agreement, obtain the information stored in the database that supports the electronic payment method provided by the embodiment of the present invention. List of payment institutions, call the message encapsulation module to generate a response message and return it to the payment acceptance system.
路由策略模組，主要用於在轉接平臺與各個支付處理系統之間建立通信鏈路。根據各支付機構對應的支付機構標識確定與相應的機構 處理系統之間的通信鏈路。 The routing strategy module is mainly used to establish a communication link between the transfer platform and each payment processing system. Determine the corresponding institution according to the payment institution identifier corresponding to each payment institution Handle communication links between systems.
報文封裝模組，主要用於生成轉接平臺與支付受理機構之間交互的支付機構列表查詢報文及其應答報文、電子支付受理請求報文及其應答報文和支付結果通知報文。 The message encapsulation module is mainly used to generate the payment institution list query message and its response message, the electronic payment acceptance request message and its response message, and the payment result notification message for the interaction between the transfer platform and the payment acceptance agency. .
配置管理模組，本發明實施例中，針對接取轉接平臺的每一支付處理系統(分別對應每一支付處理機構)，為其分配唯一支付機構標識，例如，該機構標識的長度可以為19位，如6250210000000000001等，應當理解上述機構標識僅用於示例，具體實施時，可以根據實際需要進行調整。為各機構分配的機構標識可以由配置管理模組存儲於轉接平臺的資料庫中。另外，為了便於管理，轉接平臺還可以制定各支付處理機構應用用戶端跳轉位址的統一編碼規則，跳轉位址為可以為跳轉URL(統一資源定位符，Uniform Resource Locator)例如，為某機構對應的跳轉位址為：6250211000000000000：//appapy。具體實施時，可以將支付機構標識與跳轉位址的對應關係存儲在轉接平臺的資料庫當中。 Configuration management module, in this embodiment of the present invention, for each payment processing system (corresponding to each payment processing institution) of the access transfer platform, a unique payment institution identifier is assigned to it. For example, the length of the institution identifier can be 19 digits, such as 6250210000000000001, etc., it should be understood that the above organization identification is only for example, and can be adjusted according to actual needs during specific implementation. The institution IDs assigned to each institution can be stored in the database of the switching platform by the configuration management module. In addition, in order to facilitate management, the transfer platform can also formulate unified coding rules for each payment processing institution to apply the user-side jump address, and the jump address can be a jump URL (Uniform Resource Locator). For example, it is a certain institution The corresponding jump address is: 6250211000000000000://appapy. During specific implementation, the corresponding relationship between the payment institution identifier and the jumping address may be stored in the database of the transfer platform.
資訊服務模組用於記錄使用者在電子支付中的使用習慣資料，例如，用於在完成電子支付時，選擇的支付機構資訊等。 The information service module is used to record the user's usage habit data in the electronic payment, for example, the information of the payment institution selected when completing the electronic payment.
以下為了便於描述，稱商戶應用用戶端為第一應用用戶端，稱支付機構應用用戶端為第二應用用戶端。 For convenience of description below, the merchant application client is referred to as the first application client, and the payment institution application client is referred to as the second application client.
本發明實施例中，集成於第一應用用戶端中的支付受理控制項，對接支付受理幕後處理系統，在電子支付過程中根據獲得的跳轉位址調用第二應用用戶端，其可以提供電子支付入口，即使用者通過支付受理控制項發起電子支付請求，提供支付機構清單展示介面等功能。集成於第 二應用用戶端中的支付處理控制項，與支付處理系統對接，主要功能包括用戶身份認證，支付參考資訊確認、支付認證和支付扣款等。 In the embodiment of the present invention, the payment acceptance control item integrated in the first application client is connected to the payment acceptance behind-the-scenes processing system, and the second application client is called according to the obtained jump address during the electronic payment process, which can provide electronic payment The entrance, that is, the user initiates an electronic payment request through the payment acceptance control item, and provides functions such as a payment institution list display interface. integrated in Second, the payment processing control item in the application client is connected to the payment processing system. The main functions include user identity authentication, payment reference information confirmation, payment authentication and payment deduction.
基於圖1所示的電子支付系統，具體實施時，支付使用者需要進行電子支付時，根據本發明實施例，可以按照圖2所示的流程實施： Based on the electronic payment system shown in FIG. 1, in the specific implementation, when the payment user needs to make electronic payment, according to the embodiment of the present invention, it can be implemented according to the process shown in FIG. 2:
S21、使用者終端中安裝的第一應用用戶端向支付處理後臺系統向發送電子支付請求。 S21. The first application installed in the user terminal sends an electronic payment request to the payment processing background system.
具體實施時，使用者終端中可以安裝有第一應用用戶端和第二應用用戶端。其中，第一應用用戶端中安裝有支付受理控制項，第二應用用戶端中安裝有支付處理控制項。 During specific implementation, a first application client and a second application client may be installed in the user terminal. Wherein, a payment acceptance control item is installed in the first application client terminal, and a payment processing control item is installed in the second application client terminal.
本步驟中，使用者在第一應用用戶端如圖3所示的訂單支付頁面，選擇訂單支付，觸發第一應用用戶端調用支付受理控制項向支付受理後臺系統發送電子支付請求。 In this step, the user selects order payment on the order payment page shown in FIG. 3 on the first application client terminal, and triggers the first application client terminal to invoke the payment acceptance control item to send an electronic payment request to the payment acceptance background system.
S22、支付受理後臺系統向轉接平臺發送支付機構列表查詢報文。 S22. The payment acceptance background system sends a payment institution list query message to the transfer platform.
S23、轉接平臺向支付受理後臺系統返回應答報文。 S23. The transfer platform returns a response message to the payment acceptance background system.
具體實施時，轉接平臺在接收到支付機構列表查詢報文之後，該報文首先達到協定解析模組，由協定解析模組進行解析後提供給連線處理模組，連線處理模組從資料庫中獲取配置管理模組配置的支援本發明實施例提供的電子支付方式的支付機構清單，調用報文封裝模組生成應答報文，應答報文中攜帶有支付機構清單資訊，支付機構清單資訊中至少包括支付機構標識。 In specific implementation, after the transfer platform receives the payment institution list query message, the message first reaches the agreement parsing module, and is parsed by the agreement parsing module and then provided to the connection processing module. Obtain the list of payment institutions configured by the configuration management module in the database that supports the electronic payment method provided by the embodiment of the present invention, call the message encapsulation module to generate a response message, and the response message carries payment institution list information and payment institution list information Include at least the ID of the payment institution.
S24、支付受理後臺系統向第一應用用戶端返回支付機構清 單資訊。 S24. The payment acceptance background system returns the payment institution clearing information to the first application client single information.
本步驟中，支付受理後臺系統向第一應用用戶端返回支付機構清單資訊。 In this step, the payment acceptance background system returns payment institution list information to the first application client.
S25、第一應用用戶端向使用者呈現支付機構清單資訊，供使用者選擇。 S25. The first application client terminal presents the payment institution list information to the user for the user to select.
本步驟中，使用者終端中安裝的第一應用用戶端向使用者呈現支付機構清單資訊。如圖4所示，其為向用戶呈現的支付機構清單資訊示意圖。使用者根據第一應用用戶端呈現的支付機構清單資訊選擇支付機構以進行電子支付。 In this step, the first application client installed in the user terminal presents the payment institution list information to the user. As shown in FIG. 4 , it is a schematic diagram of the payment institution list information presented to the user. The user selects a payment institution for electronic payment according to the payment institution list information presented by the client of the first application.
需要說明的是，具體實施時，如果第一應用用戶端存儲有使用者設定的預設支付結構資訊或者支付機構清單中僅有一個支付機構時，在使用者選擇訂單支付時，可以預設選擇該支付機構進行電子支付。 It should be noted that, during the specific implementation, if the user-end of the first application stores the default payment structure information set by the user or there is only one payment institution in the payment institution list, when the user selects the order payment, the user can select the payment by default. The payment institution makes electronic payments.
具體實施時，根據使用者從支付機構清單中選擇的支付機構，使用者終端中安裝的第一應用用戶端通過支付受理後臺系統向轉接平臺發送電子支付受理請求報文，如圖5所示，其為本發明實施例中，電子支付方法的實施流程示意圖，包括以下步驟： In specific implementation, according to the payment institution selected by the user from the payment institution list, the first application installed in the user terminal sends the electronic payment acceptance request message to the transfer platform through the payment acceptance background system, as shown in Figure 5 , which is a schematic diagram of the implementation process of the electronic payment method in the embodiment of the present invention, including the following steps:
S51、第一應用用戶端向支付受理後臺系統發送電子支付受理請求報文。 S51. The first application client sends an electronic payment acceptance request message to the payment acceptance background system.
具體實施時，根據使用者選擇的支付機構，使用者終端中安裝的第一應用用戶端向支付受理後臺系統發送電子支付受理請求，其中，攜帶有支付機構標識。具體實施時，電子支付受理請求報文中還可以攜帶有支付參考資訊，其中支付參考資訊可以但限於包括以下至少一項：支付 交易流水號、支付金額、訂單資訊等。 In specific implementation, according to the payment institution selected by the user, the first application client installed in the user terminal sends an electronic payment acceptance request to the payment acceptance background system, which carries the identification of the payment institution. During specific implementation, the electronic payment acceptance request message may also carry payment reference information, wherein the payment reference information may include, but is limited to, at least one of the following: Transaction serial number, payment amount, order information, etc.
S52、支付受理後臺系統向轉接平臺轉發電子支付受理請求報文。 S52. The payment acceptance background system forwards the electronic payment acceptance request message to the transfer platform.
S53、轉接平臺查找電子支付受理請求報文中攜帶的機構標識對應的跳轉位址。 S53. The transfer platform searches for the jump address corresponding to the institution identifier carried in the electronic payment acceptance request message.
具體實施時，轉接平臺接收到電子支付受理請求報文後，由協定解析模組進行解析後提供給連線處理模組，連線處理模組提取電子支付受理請求報文中的支付機構標識，並從資料庫中存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找提取的機構標識對應的跳轉位址，調用報文封裝模組，生成電子支付受理請求報文的應答報文，並返回給支付受理後臺系統。 During the specific implementation, after the transfer platform receives the electronic payment acceptance request message, it is parsed by the agreement analysis module and provided to the connection processing module, and the connection processing module extracts the payment institution identifier in the electronic payment acceptance request message. And search for the jump address corresponding to the extracted institution ID from the correspondence between the payment institution ID and the payment processing system jump address stored in the database, call the message encapsulation module, and generate a response to the electronic payment acceptance request message The message is returned to the payment acceptance background system.
S54、轉接平臺向支付受理後臺系統返回應答報文。 S54, the transfer platform returns a response message to the payment acceptance background system.
其中，應答報文中攜帶有查找到的跳轉位址。 The response message carries the found jump address.
具體實施時，轉接平臺還可以在接收到電子支付受理請求報文之後，向支付處理系統中的支付處理後臺系統轉發該電子支付受理請求報文，支付處理後臺系統記錄其中攜帶的支付參考資訊，並向轉接平臺返回電子支付受理請求報文的應答報文。 During specific implementation, after receiving the electronic payment acceptance request message, the transfer platform may also forward the electronic payment acceptance request message to the payment processing background system in the payment processing system, and the payment processing background system records the payment reference information carried therein. , and return the response message of the electronic payment acceptance request message to the transfer platform.
S55、支付受理後臺系統向第一應用用戶端轉發接收到的跳轉位址。 S55. The payment acceptance background system forwards the received jumping address to the first application client.
具體實施時，支付受理後臺系統向使用者終端中安裝的第一應用用戶端中的支付受理控制項返回接收到的跳轉地址。 During specific implementation, the payment acceptance background system returns the received jump address to the payment acceptance control item in the first application client installed in the user terminal.
S56、第一應用用戶端根據接收到的跳轉位址調用第二應用 用戶端，並向第二應用用戶端發送電子支付處理報文。 S56, the first application client calls the second application according to the received jump address The user terminal, and sends the electronic payment processing message to the second application user terminal.
本步驟中，第一應用用戶端根據轉接平臺提供的跳轉位址後，生成電子支付處理報文，生成的電子支付處理報文中包括支付參考資訊，支付參考資訊可以但限於包括以下至少一項：支付交易流水號、支付金額、訂單資訊等，調用第二應用用戶端，向第二應用用戶端發送電子支付處理報文。 In this step, after the first application client generates an electronic payment processing message according to the jumping address provided by the switching platform, the generated electronic payment processing message includes payment reference information, and the payment reference information may include, but is limited to, at least one of the following : Payment transaction serial number, payment amount, order information, etc., call the second application client, and send an electronic payment processing message to the second application client.
具體實施時，為了避免電子支付過程中資料洩露，提高資料訪問的安全性，第一應用用戶端可以對支付參考資訊進行加密後攜帶在電子支付處理報文進行傳輸。 During specific implementation, in order to avoid data leakage during the electronic payment process and improve the security of data access, the first application client can encrypt the payment reference information and carry it in the electronic payment processing message for transmission.
需要說明的是，如果在步驟S54中，轉接平臺向支付處理後臺系統轉發了電子支付受理請求報文，則本步驟中，第一應用用戶端在發送的電子支付處理報文中無需攜帶全部的支付參考資訊，僅需攜帶其中的支付交易流水號即可，這樣，支付處理系統在接收到電子支付處理報文之後，根據交易流水號檢索其對應的支付金額和訂單資訊等發送給第二應用用戶端，由第二應用用戶端在訂單確認頁面中顯示，供使用者確認。 It should be noted that, if in step S54, the transfer platform forwards the electronic payment acceptance request message to the payment processing background system, then in this step, the first application client does not need to carry all the electronic payment processing messages in the sent electronic payment processing message. The payment reference information only needs to carry the payment transaction serial number. In this way, after receiving the electronic payment processing message, the payment processing system retrieves the corresponding payment amount and order information according to the transaction serial number and sends it to the second application. The client terminal is displayed on the order confirmation page by the second application client terminal for the user to confirm.
S57、第二應用用戶端進行身份驗證、訂單確認以及支付認證後，向支付受理後臺系統發送電子支付扣款請求報文。 S57: After performing identity verification, order confirmation, and payment authentication, the second application client sends an electronic payment deduction request message to the payment acceptance background system.
具體實施時，第二應用用戶端在接收到電子支付處理報文之後，首先對支付用戶進行身份驗證。如圖6所示，其為第二應用用戶端顯示的身份驗證介面示意圖。 During specific implementation, after receiving the electronic payment processing message, the second application client first performs identity verification on the payment user. As shown in FIG. 6 , it is a schematic diagram of an authentication interface displayed by the second application client.
其中，使用者身份驗證的方式可但不限於採用以下方式：用戶名密碼驗證、手勢密碼驗證、人臉驗證等，圖6所示介面示意圖即為手 勢密碼驗證示意圖。 Among them, the method of user identity verification may be, but not limited to, the following methods: user name and password verification, gesture password verification, face verification, etc. The schematic diagram of the interface shown in FIG. Schematic diagram of potential password authentication.
用戶身份驗證通過之後，第二應用用戶端跳轉顯示訂單確認頁面，如圖7所示，訂單確認頁面至少包括支付金額，還可以包括第二應用用戶端的圖示，以及訂單詳情資訊等。使用者確認訂單之後，第二應用用戶端跳轉顯示支付確認認證頁面，如圖8所示，支付認證的方式可但不限於採用以下方式：支付密碼認證、指紋認證、人臉驗證等。圖8所示的支付認證頁面採用支付密碼認證方式進行認證。 After the user identity verification is passed, the second application client terminal jumps to display the order confirmation page. As shown in FIG. 7 , the order confirmation page at least includes the payment amount, and may also include an icon of the second application client terminal, and order details. After the user confirms the order, the second application client jumps to display the payment confirmation and authentication page, as shown in Figure 8, the payment authentication method can be, but is not limited to, the following methods: payment password authentication, fingerprint authentication, face authentication, etc. The payment authentication page shown in FIG. 8 uses the payment password authentication method for authentication.
第二應用用戶端進行身份驗證、訂單確認以及支付認證後，向支付受理後臺系統發送電子支付扣款請求報文，其中攜帶有扣款金額以及能夠標識使用者身份的使用者標識，該使用者標識可以包括以下至少一項：使用者手機號碼、使用者帳戶資訊、使用者註冊名、使用者身份證號碼等。 After the second application client performs identity verification, order confirmation and payment authentication, it sends an electronic payment deduction request message to the payment acceptance background system, which carries the deduction amount and a user ID that can identify the user. The identification may include at least one of the following: user mobile phone number, user account information, user registered name, user ID number, and the like.
S58、支付處理後臺系統完成電子支付扣款。 S58, the payment processing background system completes the electronic payment deduction.
具體實施時，支付處理後臺系統根據電子支付扣款請求報文中攜帶的使用者標識，確定使用者帳戶資訊，並根據扣款金額完成扣款處理。 During specific implementation, the payment processing background system determines the user account information according to the user ID carried in the electronic payment deduction request message, and completes the deduction process according to the deduction amount.
S59、支付處理後臺系統向轉接平臺發送電子支付結果通知報文。 S59: The payment processing background system sends an electronic payment result notification message to the transfer platform.
支付處理後臺系統在完成扣款處理操作後，生成電子支付結果通知報文，其中，攜帶有支付結果。 After completing the deduction processing operation, the payment processing background system generates an electronic payment result notification message, which carries the payment result.
S510、轉接平臺向支付受理後臺系統轉發接收到的電子支付結果通知報文。 S510. The transfer platform forwards the received electronic payment result notification message to the payment acceptance background system.
具體實施時，轉接平臺在接收到電子支付結果通知報文之後，由協定解析模組解析接收到的報文後發送給連線處理模組，連線處理模組提取其中的支付結果，調用報文封裝模組，生成向支付受理後臺系統發送的電子支付結果通知報文。 In specific implementation, after receiving the electronic payment result notification message, the transfer platform will analyze the received message by the agreement parsing module and send it to the connection processing module. The connection processing module extracts the payment result and calls the The message encapsulation module generates an electronic payment result notification message sent to the payment acceptance background system.
可選地，轉接平臺在接收到電子支付結果通知報文之後，還可以向支付處理後臺系統返回應答報文。支付處理後臺系統在接收到應答報文之後，還可以向支付受理後臺系統發送電子支付回跳報文，由支付受理後臺系統通知第一應用用戶端回跳到第一應用用戶端顯示頁面，等待支付結果。 Optionally, after receiving the electronic payment result notification message, the transfer platform may also return a response message to the payment processing background system. After receiving the response message, the payment processing backend system may also send an electronic payment bounce message to the payment acceptance backend system, and the payment acceptance backend system will notify the first application client to jump back to the first application client display page and wait. Payment result.
S511、支付受理後臺系統向第一應用用戶端發送電子支付結果通知報文。 S511. The payment acceptance background system sends an electronic payment result notification message to the first application client.
第一應用用戶端根據接收到電子支付結果通知報文向使用者顯示支付結果。 The first application client terminal displays the payment result to the user according to the received electronic payment result notification message.
可選地，支付受理後臺系統在接收到電子支付結果通知報文之後，還可以向轉接平臺返回電子支付結果通知報文的應答報文。 Optionally, after receiving the electronic payment result notification message, the payment acceptance background system may also return a response message to the electronic payment result notification message to the transfer platform.
S512、第一應用用戶端顯示支付結果頁面。 S512. The first application client displays a payment result page.
本發明實施例提供的電子支付方法中，支付受理系統和支付處理系統均接取轉接平臺，當有用戶請求支付時，支付受理系統通過向轉接平臺發送電子支付受理報文請求以獲得支付處理系統的跳轉位址，根據跳轉位址向支付處理系統發送支付處理報文，由支付處理系統完成電子支付處理，上述過程中，除了完成電子支付處理的支付處理系統以外，轉接平臺和支付受理系統均無需獲得使用者帳戶資訊，避免了使用者帳戶資訊 洩露，提高了電子支付的安全性，另一方面，支付受理系統無需安裝不同支付處理系統的受理用戶端，從而降低了相應設備的資源開銷。 In the electronic payment method provided by the embodiment of the present invention, both the payment acceptance system and the payment processing system access the transfer platform, and when a user requests payment, the payment acceptance system obtains payment by sending an electronic payment acceptance message request to the transfer platform The jump address of the processing system, send the payment processing message to the payment processing system according to the jump address, and the payment processing system completes the electronic payment processing. In the above process, in addition to the payment processing system that completes the electronic payment processing, the transfer platform and payment The acceptance system does not need to obtain user account information, avoiding user account information The leakage improves the security of electronic payment. On the other hand, the payment acceptance system does not need to install acceptance clients of different payment processing systems, thereby reducing the resource overhead of the corresponding equipment.
基於同一發明構思，本發明實施例中還提供了一種轉接平臺側實施的電子支付方法和裝置，由於上述裝置及設備解決問題的原理與上述電子支付系統相似，因此上述方法和裝置的實施可以參見電子支付系統的實施，重複之處不再贅述。 Based on the same inventive concept, the embodiment of the present invention also provides an electronic payment method and device implemented on the transfer platform side. Since the above-mentioned device and device solve the problem in a similar manner to the above-mentioned electronic payment system, the implementation of the above-mentioned method and device can be Refer to the implementation of the electronic payment system, and the repetition will not be repeated.
如圖9所示，其為本發明實施例中，轉接平臺側實施的電子支付方法的實施流程示意圖，可以包括以下步驟： As shown in FIG. 9, it is a schematic diagram of the implementation flow of the electronic payment method implemented on the transfer platform side in the embodiment of the present invention, which may include the following steps:
S91、接收支付受理系統發送的電子支付受理請求報文，其中攜帶有支付機構標識。 S91. Receive an electronic payment acceptance request message sent by the payment acceptance system, which carries the payment institution identifier.
S92、從存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找電子支付受理請求報文中攜帶的支付機構標識對應的跳轉位址。 S92: Search for the jump address corresponding to the payment agency ID carried in the electronic payment acceptance request message from the stored correspondence between the payment agency ID and the payment processing system jump address.
S93、向支付受理系統發送第一應答報文，其中攜帶有查找到的跳轉位址。 S93: Send a first response message to the payment acceptance system, which carries the found jumping address.
由支付受理系統根據該跳轉位址向支付處理系統發送電子支付處理報文，其中攜帶有支付參考資訊，由支付處理系統根據該支付參考資訊完成電子支付。 The payment acceptance system sends an electronic payment processing message to the payment processing system according to the jumping address, which carries the payment reference information, and the payment processing system completes the electronic payment according to the payment reference information.
可選地，在接收支付受理系統發送的電子支付受理請求報文之前，還包括： Optionally, before receiving the electronic payment acceptance request message sent by the payment acceptance system, the method further includes:
接收該支付受理系統發送的支付機構清單查詢報文； Receive the payment institution list query message sent by the payment acceptance system;
向該支付處理系統針對該支付機構列表查詢報文返回第二 應答報文，該第二應答報文中攜帶有支付機構清單資訊，該支付機構清單資訊中至少包括該支付機構標識。 Return the second query message to the payment processing system for the payment institution list A response message, the second response message carries payment institution list information, and the payment institution list information at least includes the payment institution identifier.
可選地，本發明實施例提供的電子支付方法，還包括： Optionally, the electronic payment method provided by the embodiment of the present invention further includes:
接收該支付處理系統在完成電子支付後發送的支付結果通知報文； Receive the payment result notification message sent by the payment processing system after completing the electronic payment;
向該支付受理系統轉發該支付結果通知報文。 The payment result notification message is forwarded to the payment acceptance system.
如圖10所示，其為本發明實施例提供的電子支付裝置的結構示意圖，包括： As shown in FIG. 10, it is a schematic structural diagram of an electronic payment device provided by an embodiment of the present invention, including:
接收單元1001，用於接收支付受理系統發送的電子支付受理請求報文，該電子支付受理請求報文中攜帶有支付機構標識；
A receiving
查找單元1002，用於從存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找該電子支付受理請求報文中攜帶的支付機構標識對應的跳轉位址；
A
應答單元1003，用於向該支付受理系統發送第一應答報文，該第一應答報文中攜帶有該跳轉位址，由該支付受理系統根據該跳轉位址向該支付處理系統發送電子支付處理報文，其中攜帶有支付參考資訊，由該支付處理系統根據該支付參考資訊完成電子支付。 A response unit 1003, configured to send a first response message to the payment acceptance system, where the first response message carries the jump address, and the payment acceptance system sends an electronic payment processing system to the payment processing system according to the jump address A message, which carries payment reference information, and the payment processing system completes electronic payment according to the payment reference information.
其中，該接收單元1001，還用於在接收支付受理系統發送的電子支付受理請求報文之前，接收該支付受理系統發送的支付機構清單查詢報文；
Wherein, the receiving
該應答單元1003，還用於向該支付處理系統針對該支付機構列表查詢報文返回第二應答報文，該第二應答報文中攜帶有支付機構清單資訊，該 支付機構清單資訊中至少包括該支付機構標識。 The response unit 1003 is further configured to return a second response message to the payment processing system for the payment institution list query message, where the second response message carries payment institution list information, and the payment institution list information is included in the second response message. The payment institution list information at least includes the payment institution identifier.
可選地，該接收單元1001，還用於接收該支付處理系統在完成電子支付後發送的支付結果通知報文；
Optionally, the receiving
該應答單元1003，還用於向該支付受理系統轉發該支付結果通知報文。 The response unit 1003 is further configured to forward the payment result notification message to the payment acceptance system.
為了描述的方便，以上各部分按照功能劃分為各模組(或單元)分別描述。當然，在實施本發明時可以把各模組(或單元)的功能在同一個或多個軟體或硬體中實現。 For the convenience of description, the above parts are divided into modules (or units) according to their functions and described respectively. Of course, when implementing the present invention, the functions of each module (or unit) may be implemented in one or more software or hardware.
在介紹了本發明示例性實施方式的電子支付方法和裝置之後，接下來，介紹根據本發明的另一示例性實施方式的計算裝置。 After introducing the electronic payment method and device according to the exemplary embodiment of the present invention, next, a computing device according to another exemplary embodiment of the present invention is introduced.
所屬技術領域的技術人員能夠理解，本發明的各個方面可以實現為系統、方法或程式產品。因此，本發明的各個方面可以具體實現為以下形式，即：完全的硬體實施方式、完全的軟體實施方式(包括固件、微代碼等)，或硬體和軟體方面結合的實施方式，這裡可以統稱為「電路」、「模組」或「系統」。 As will be appreciated by one skilled in the art, various aspects of the present invention may be implemented as a system, method or program product. Accordingly, various aspects of the present invention may be embodied in the following forms: a fully hardware implementation, a fully software implementation (including firmware, microcode, etc.), or a combination of hardware and software aspects, where the Collectively referred to as "circuits," "modules," or "systems."
在一些可能的實施方式中，根據本發明的計算裝置可以至少包括至少一個處理器、以及至少一個記憶體。其中，該記憶體存儲有程式碼，當該程式碼被該處理器執行時，使得該處理器執行本說明書上述描述的根據本發明各種示例性實施方式的電子支付方法中的步驟。例如，該處理器可以執行如圖9中所示的步驟S91、接收支付受理系統發送的電子支付受理請求報文，其中攜帶有支付機構標識，和步驟S52、從存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找電子支付受理請求報 文中攜帶的支付機構標識對應的跳轉位址；以及步驟S93、向支付受理系統發送第一應答報文，其中攜帶有查找到的跳轉位址。 In some possible implementations, a computing device according to the present invention may include at least one processor, and at least one memory. Wherein, the memory stores program codes, which, when executed by the processor, cause the processor to execute the steps in the electronic payment method according to various exemplary embodiments of the present invention described above in this specification. For example, the processor may perform step S91 as shown in FIG. 9 , receive the electronic payment acceptance request message sent by the payment acceptance system, which carries the payment institution identifier, and step S52 , retrieve the stored payment institution identifier and payment processing Find the electronic payment acceptance request report in the correspondence between the system jump addresses The jumping address corresponding to the payment institution identifier carried in the text; and step S93, sending a first response message to the payment acceptance system, which carries the found jumping address.
下面參照圖11來描述根據本發明的這種實施方式的計算裝置110。圖11顯示的計算裝置110僅僅是一個示例，不應對本發明實施例的功能和使用範圍帶來任何限制。
A
如圖11所示，計算裝置110以通用計算設備的形式表現。計算裝置110的元件可以包括但不限於：上述至少一個處理器111、上述至少一個記憶體112、連接不同系統元件(包括記憶體112和處理器111)的匯流排113。
As shown in FIG. 11,
匯流排113表示幾類匯流排結構中的一種或多種，包括記憶體匯流排或者記憶體控制器、週邊匯流排、處理器或者使用多種匯流排結構中的任意匯流排結構的區域匯流排。
記憶體112可以包括易失性記憶體形式的可讀介質，例如隨機存取記憶體(RAM)1121和/或高速快取記憶體1122，還可以進一步包括唯讀記憶體(ROM)1123。
The
記憶體112還可以包括具有一組(至少一個)程式模組1124的程式/實用工具1125，這樣的程式模組1124包括但不限於：作業系統、一個或者多個應用程式、其它程式模組以及程式資料，這些示例中的每一個或某種組合中可能包括網路環境的實現。
計算裝置110也可以與一個或多個外部設備114(例如鍵盤、指向設備等)通信，還可與一個或者多個使得使用者能與計算裝置110交互的設備通信，和/或與使得該計算裝置110能與一個或多個其它計算設備
進行通信的任何設備(例如路由器、數據機等等)通信。這種通信可以通過輸入/輸出(I/O)介面115進行。並且，計算裝置110還可以通過網路介面卡116與一個或者多個網路(例如區域網(LAN)，廣域網路(WAN)和/或公共網路，例如網際網路)通信。如圖所示，網路介面卡116通過匯流排113與用於計算裝置110的其它模組通信。應當理解，儘管圖中未示出，可以結合計算裝置110使用其它硬體和/或軟體模組，包括但不限於：微代碼、裝置驅動程式、冗餘處理器、外部磁片驅動陣列、RAID系統、磁帶驅動器以及資料備份存儲系統等。
在一些可能的實施方式中，本發明提供的電子支付方法的各個方面還可以實現為一種程式產品的形式，其包括程式碼，當該程式產品在電腦設備上運行時，該程式碼用於使該電腦設備執行本說明書上述描述的根據本發明各種示例性實施方式的電子支付方法中的步驟，例如，該電腦設備可以執行如圖9中所示的步驟S91、接收支付受理系統發送的電子支付受理請求報文，其中攜帶有支付機構標識，和步驟S52、從存儲的支付機構標識與支付處理系統跳轉位址之間的對應關係中查找電子支付受理請求報文中攜帶的支付機構標識對應的跳轉位址；以及步驟S93、向支付受理系統發送第一應答報文，其中攜帶有查找到的跳轉位址。 In some possible implementations, various aspects of the electronic payment method provided by the present invention can also be implemented in the form of a program product, which includes program code, which is used to make the program product run on a computer device. The computer device executes the steps in the electronic payment method according to various exemplary embodiments of the present invention described above in this specification. For example, the computer device can execute step S91 as shown in FIG. 9 , receive the electronic payment sent by the payment acceptance system The acceptance request message, which carries the payment institution identifier, and step S52, searching for the jump corresponding to the payment institution identifier carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identifier and the payment processing system jump address address; and step S93, sending a first response message to the payment acceptance system, which carries the found jumping address.
該程式產品可以採用一個或多個可讀介質的任意組合。可讀介質可以是可讀信號介質或者可讀存儲介質。可讀存儲介質例如可以是--但不限於--電、磁、光、電磁、紅外線、或半導體的系統、裝置或器件，或者任意以上的組合。可讀存儲介質的更具體的例子(非窮舉的列表)包括：具有一個或多個導線的電連接、可攜式盤、硬碟、隨機存取 記憶體(RAM)、唯讀記憶體(ROM)、可擦式可程式設計唯讀記憶體(EPROM或快閃記憶體)、光纖、可攜式緊湊盤唯讀記憶體(CD-ROM)、光記憶體件、磁記憶體件、或者上述的任意合適的組合。 The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or a combination of any of the above. More specific examples (non-exhaustive list) of readable storage media include: electrical connections with one or more wires, portable disks, hard disks, random access Memory (RAM), Read Only Memory (ROM), Erasable Programmable Read Only Memory (EPROM or Flash Memory), Optical Fiber, Portable Compact Disk Read Only Memory (CD-ROM), Optical memory device, magnetic memory device, or any suitable combination of the above.
本發明的實施方式的用於電子支付的程式產品可以採用可攜式緊湊盤唯讀記憶體(CD-ROM)並包括程式碼，並可以在計算設備上運行。然而，本發明的程式產品不限於此，在本檔中，可讀存儲介質可以是任何包含或存儲程式的有形介質，該程式可以被指令執行系統、裝置或者器件使用或者與其結合使用。 The program product for electronic payment of embodiments of the present invention may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be executed on a computing device. However, the program product of the present invention is not limited thereto, and in this document, a readable storage medium can be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.
可讀信號介質可以包括在基帶中或者作為載波一部分傳播的資料信號，其中承載了可讀程式碼。這種傳播的資料信號可以採用多種形式，包括--但不限於--電磁信號、光信號或上述的任意合適的組合。可讀信號介質還可以是可讀存儲介質以外的任何可讀介質，該可讀介質可以發送、傳播或者傳輸用於由指令執行系統、裝置或者器件使用或者與其結合使用的程式。 A readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying readable code therein. Such propagated data signals may take a variety of forms, including - but not limited to - electromagnetic signals, optical signals, or any suitable combination of the foregoing. A readable signal medium can also be any readable medium, other than a readable storage medium, that can transmit, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device.
可讀介質上包含的程式碼可以用任何適當的介質傳輸，包括--但不限於--無線、有線、光纜、RF等等，或者上述的任意合適的組合。 Code embodied on a readable medium may be transmitted using any suitable medium, including - but not limited to - wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
可以以一種或多種程式設計語言的任意組合來編寫用於執行本發明操作的程式碼，該程式設計語言包括物件導向的程式設計語言-諸如Java、C++等，還包括常規的過程式程式設計語言-諸如「C」語言或類似的程式設計語言。程式碼可以完全地在使用者計算設備上執行、部分地在使用者設備上執行、作為一個獨立的套裝軟體執行、部分在使用者計 算設備上部分在遠端計算設備上執行、或者完全在遠端計算設備或伺服器上執行。在關於遠端計算設備的情形中，遠端計算設備可以通過任意種類的網路--包括區域網(LAN)或廣域網路(WAN)-連接到使用者計算設備，或者，可以連接到外部計算設備(例如利用網際網路服務提供者來通過網際網路連接)。 Code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including object-oriented programming languages - such as Java, C++, etc., as well as conventional procedural programming languages - Such as "C" language or similar programming language. The code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, and partly on the user's computer. The computing device is partially executed on the remote computing device, or completely executed on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device over any kind of network - including a local area network (LAN) or a wide area network (WAN) - or, may be connected to an external computing device Device (eg, using an Internet Service Provider to connect via the Internet).
應當注意，儘管在上文詳細描述中提及了裝置的若干單元或子單元，但是這種劃分僅僅是示例性的並非強制性的。實際上，根據本發明的實施方式，上文描述的兩個或更多單元的特徵和功能可以在一個單元中具體化。反之，上文描述的一個單元的特徵和功能可以進一步劃分為由多個單元來具體化。 It should be noted that although several units or sub-units of the apparatus are mentioned in the above detailed description, this division is merely exemplary and not mandatory. Indeed, in accordance with embodiments of the present invention, the features and functions of two or more units described above may be embodied in one unit. Conversely, the features and functions of one unit described above may be further subdivided to be embodied by multiple units.
此外，儘管在附圖中以特定順序描述了本發明方法的操作，但是，這並非要求或者暗示必須按照該特定順序來執行這些操作，或是必須執行全部所示的操作才能實現期望的結果。附加地或備選地，可以省略某些步驟，將多個步驟合併為一個步驟執行，和/或將一個步驟分解為多個步驟執行。 Furthermore, although the operations of the methods of the present invention are depicted in the figures in a particular order, this does not require or imply that the operations must be performed in the particular order, or that all illustrated operations must be performed to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined to be performed as one step, and/or one step may be decomposed into multiple steps to be performed.
本領域內的技術人員應明白，本發明的實施例可提供為方法、系統、或電腦程式產品。因此，本發明可採用完全硬體實施例、完全軟體實施例、或結合軟體和硬體方面的實施例的形式。而且，本發明可採用在一個或多個其中包含有電腦可用程式碼的電腦可用存儲介質(包括但不限於磁碟記憶體、CD-ROM、光學記憶體等)上實施的電腦程式產品的形式。 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 implemented on one or more computer-usable storage media (including, but not limited to, disk memory, CD-ROM, optical memory, etc.) having computer-usable code embodied therein .
本發明是參照根據本發明實施例的方法、設備(系統)、和電腦程式產品的流程圖和/或方框圖來描述的。應理解可由電腦程式指令 實現流程圖和/或方框圖中的每一流程和/或方框、以及流程圖和/或方框圖中的流程和/或方框的結合。可提供這些電腦程式指令到通用電腦、專用電腦、嵌入式處理機或其他可程式設計資料處理設備的處理器以產生一個機器，使得通過電腦或其他可程式設計資料處理設備的處理器執行的指令產生用於實現在流程圖一個流程或多個流程和/或方框圖一個方框或多個方框中指定的功能的裝置。 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 should be understood that computer program instructions can be Each process and/or block in the flowchart illustrations and/or block diagrams, and combinations of processes and/or blocks in the flowchart illustrations and/or block diagrams, are implemented. These computer program instructions may be provided to the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine for causing the instructions to be executed by the processor of the computer or other programmable data processing device Means are created for implementing the functions specified in the flow or flows of the flowcharts and/or the blocks or blocks of the block diagrams.
這些電腦程式指令也可存儲在能引導電腦或其他可程式設計資料處理設備以特定方式工作的電腦可讀記憶體中，使得存儲在該電腦可讀記憶體中的指令產生包括指令裝置的製造品，該指令裝置實現在流程圖一個流程或多個流程和/或方框圖一個方框或多個方框中指定的功能。 These computer program instructions may also be stored in computer readable memory capable of directing a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction means , the instruction means implements the functions specified in the flow or flow of the flowchart and/or the block or blocks of the block diagram.
這些電腦程式指令也可裝載到電腦或其他可程式設計資料處理設備上，使得在電腦或其他可程式設計設備上執行一系列操作步驟以產生電腦實現的處理，從而在電腦或其他可程式設計設備上執行的指令提供用於實現在流程圖一個流程或多個流程和/或方框圖一個方框或多個方框中指定的功能的步驟。 These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operational steps are performed on the computer or other programmable device to produce a computer-implemented process that can be executed on the computer or other programmable device. The instructions executed on the above provide steps for implementing the functions specified in the flowchart or blocks and/or the block or blocks of the block diagrams.
儘管已描述了本發明的優選實施例，但本領域內的技術人員一旦得知了基本進步性概念，則可對這些實施例做出另外的變更和修改。所以，所附申請專利範圍意欲解釋為包括優選實施例以及落入本發明範圍的所有變更和修改。 Although preferred embodiments of the present invention have been described, additional changes and modifications to these embodiments may occur to those skilled in the art once the basic progressive concepts are known. Therefore, the appended claims are intended to be construed to include the preferred embodiment as well as all changes and modifications that fall within the scope of the present invention.
顯然，本領域的技術人員可以對本發明進行各種改動和變型而不脫離本發明的精神和範圍。這樣，倘若本發明的這些修改和變型屬於本發明申請專利範圍及其等同技術的範圍之內，則本發明也意圖包含這些 改動和變型在內。 It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit and scope of the invention. Thus, if these modifications and variations of the present invention fall within the scope of the patent application of the present invention and the scope of equivalent technologies, the present invention is also intended to include these Changes and modifications included.
S51~S512‧‧‧步驟 S51~S512‧‧‧Steps
Claims (13)
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811628979.1 | 2018-12-28 | ||
| CN201811628979.1A CN109767200B (en) | 2018-12-28 | 2018-12-28 | Electronic payment method, device, system and storage medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| TW202026980A TW202026980A (en) | 2020-07-16 |
| TWI778314B true TWI778314B (en) | 2022-09-21 |
Family
ID=66452312
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW108147031A TWI778314B (en) | 2018-12-28 | 2019-12-20 | An electronic payment method, device, system and storage medium |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN109767200B (en) |
| TW (1) | TWI778314B (en) |
| WO (1) | WO2020134654A1 (en) |
Families Citing this family (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109767200B (en) * | 2018-12-28 | 2023-07-14 | ***股份有限公司 | Electronic payment method, device, system and storage medium |
| CN110245928B (en) * | 2019-05-29 | 2021-01-29 | 创新先进技术有限公司 | Method, system and equipment for acquiring signing key element information of bank card |
| CN110189115B (en) * | 2019-06-06 | 2021-05-07 | 优赋全球(北京)网络科技有限公司 | Transaction channel access method and device and electronic equipment |
| CN111160918A (en) * | 2019-12-19 | 2020-05-15 | 中国建设银行股份有限公司 | Travel payment method and device |
| CN111192057B (en) * | 2019-12-31 | 2021-10-15 | 网联清算有限公司 | Payment processing method, device and system |
| CN112396409A (en) * | 2020-11-27 | 2021-02-23 | ***股份有限公司 | Digital resource account binding method, device, equipment and medium |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108665257A (en) * | 2018-04-24 | 2018-10-16 | 广东云卓全景网络科技有限公司 | A kind of terminal payment method |
Family Cites Families (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103106576A (en) * | 2011-11-15 | 2013-05-15 | 腾讯科技（深圳）有限公司 | Payment method and payment system based on client side and payment client side |
| AU2013348399B2 (en) * | 2012-11-20 | 2017-05-18 | Paypal, Inc. | Environment and methods for enabling electronic transactions |
| CN105335847A (en) * | 2014-06-30 | 2016-02-17 | 阿里巴巴集团控股有限公司 | Operation method and device of electronic account |
| EP3016050A1 (en) * | 2014-10-29 | 2016-05-04 | SNS Bank N.V. | System and method for handling a payment link |
| CN105989486A (en) * | 2015-02-15 | 2016-10-05 | 广州市动景计算机科技有限公司 | Payment security processing method, device and system |
| CN105046487A (en) * | 2015-04-22 | 2015-11-11 | 上海非码网络科技有限公司 | Multi-channel combined on-line payment method and payment system |
| CN105046482A (en) * | 2015-06-24 | 2015-11-11 | 上海海漾软件技术有限公司 | Mobile terminal payment method, device, and system |
| CN104966194A (en) * | 2015-07-21 | 2015-10-07 | 深圳市淘淘谷信息技术有限公司 | Composite cash register method and intelligent cash register system therefor |
| CN105608572A (en) * | 2015-07-27 | 2016-05-25 | 宇龙计算机通信科技(深圳)有限公司 | NFC-based payment method, NFC-based payment system and terminal |
| CN106855974A (en) * | 2015-12-09 | 2017-06-16 | 华为技术有限公司 | A kind of method of mobile payment and device |
| CN107194683A (en) * | 2016-03-14 | 2017-09-22 | 阿里巴巴集团控股有限公司 | On-line payment method and apparatus |
| CN106157027B (en) * | 2016-07-27 | 2020-01-10 | 北京小米移动软件有限公司 | Payment method, device and system |
| CN107230058A (en) * | 2017-04-27 | 2017-10-03 | 努比亚技术有限公司 | A kind of method of payment, equipment, server and computer-readable recording medium |
| CN108038680A (en) * | 2017-12-06 | 2018-05-15 | 深圳市智享未来科技有限公司 | A kind of flexible method of payment |
| CN109767200B (en) * | 2018-12-28 | 2023-07-14 | ***股份有限公司 | Electronic payment method, device, system and storage medium |
-
2018
- 2018-12-28 CN CN201811628979.1A patent/CN109767200B/en active Active
-
2019
- 2019-11-11 WO PCT/CN2019/117272 patent/WO2020134654A1/en active Application Filing
- 2019-12-20 TW TW108147031A patent/TWI778314B/en active
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108665257A (en) * | 2018-04-24 | 2018-10-16 | 广东云卓全景网络科技有限公司 | A kind of terminal payment method |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2020134654A1 (en) | 2020-07-02 |
| CN109767200A (en) | 2019-05-17 |
| CN109767200B (en) | 2023-07-14 |
| TW202026980A (en) | 2020-07-16 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| TWI778314B (en) | An electronic payment method, device, system and storage medium | |
| CN112334933B (en) | Blockchain transaction processing | |
| CN108346028B (en) | Business approval processing method, device and system | |
| US9251327B2 (en) | Method and system for providing behavioral bi-directional authentication | |
| CN111160845B (en) | Service processing method and device | |
| US8225387B2 (en) | Method and system for access authentication | |
| WO2023066040A1 (en) | Digital currency payment method and apparatus | |
| US20200151039A1 (en) | Information processing method and device | |
| CN111062024B (en) | Application login method and device | |
| US11714735B2 (en) | Systems and methods for simulation-based replay of integrated devices | |
| US12020221B2 (en) | Payment processing method, device and system | |
| CN112288577B (en) | Transaction processing method, device, electronic equipment and medium for distributed service | |
| KR20130037051A (en) | Method and server for providing expert matching service | |
| CN111857888B (en) | Transaction processing method and device | |
| CN112883435A (en) | Method and equipment for realizing safe communication with intelligent contract | |
| TW202032451A (en) | Risk payment processing method, device and equipment | |
| US20150248673A1 (en) | Methods and apparatus for a token management system for transactions | |
| WO2023197917A1 (en) | Payment security management method and apparatus and payment system | |
| US11729161B1 (en) | Pre-built, pre-tested, and standardized connectors for end-to-end connection | |
| WO2023050989A1 (en) | Article display method and apparatus | |
| CN111626729A (en) | Transaction method, apparatus, computing device and medium executed by target institution | |
| US20120101829A1 (en) | Wholesale device registration system, method, and program product | |
| US20220198028A1 (en) | Secure resolution of email-based queries involving confidential third-party data | |
| US20120254942A1 (en) | Connection destination determination device, connection destination determination method, and service collaboration system | |
| US9483783B1 (en) | Purchase system using a computing device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| GD4A | Issue of patent certificate for granted invention patent |