WO2023284505A1 - 扫码支付的方法及装置 - Google Patents

扫码支付的方法及装置 Download PDF

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Publication number
WO2023284505A1
WO2023284505A1 PCT/CN2022/100502 CN2022100502W WO2023284505A1 WO 2023284505 A1 WO2023284505 A1 WO 2023284505A1 CN 2022100502 W CN2022100502 W CN 2022100502W WO 2023284505 A1 WO2023284505 A1 WO 2023284505A1
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Prior art keywords
payment
code
external
wallet client
page
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PCT/CN2022/100502
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English (en)
French (fr)
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杨思硕
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支付宝(杭州)信息技术有限公司
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Publication of WO2023284505A1 publication Critical patent/WO2023284505A1/zh

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    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device

Definitions

  • One or more embodiments of this specification relate to the field of computer technology, and in particular to a method and device for payment by scanning a code.
  • the process for the user to use the electronic wallet to scan the code to pay offline can be as follows: the user scans the merchant's collection code (hereinafter referred to as the code scanning payment) through the electronic wallet client (hereinafter referred to as the wallet client), and on the loaded collection page Enter the payment amount on and complete the payment.
  • the collection code is an external collection code.
  • the external collection code is provided by other institutions (such as acquiring institutions or acquiring outsourcing service agencies, hereinafter referred to as external collection codes) other than the e-wallet. Fang), which is pre-generated according to the corresponding payment page of the merchant.
  • the common form of the payment code is a QR code, which includes a link to the payment page.
  • the payment page can be input External payment page for payment amount.
  • the acquiring institution refers to an institution that signs an agreement with certain merchants to help merchants collect money. Specifically, in the payment process, if the merchant signs an agreement with an acquiring institution, the user's payment to the merchant The money first arrives in the account of the acquiring agency, and then the acquiring agency sends the corresponding money to the merchant's account; the acquiring outsourcing service agency refers to the provision of technical service support during the collection process that the acquiring agency participates in Institutions that provide payment codes and payment pages.
  • the process of scanning the code offline by the user involves the interaction between the external payment page and the wallet client, and different external payment code providers are different for both
  • the interaction logic between them has different technical requirements. For example, some external payment code providers require rebound interception, while some external payment code providers do not; different electronic wallets have different interaction logic between the two requirements. This leads to the fact that if the e-wallet wants to cooperate with an external payment code provider, the e-wallet or the external payment code provider needs to adapt the interaction logic of the partner. In some cases, the e-wallet needs to actively adapt to the interaction logic of multiple external payment code providers, which requires the e-wallet to invest a lot of energy in the development and testing of the adaptation work.
  • one or more embodiments of this specification provide a code scanning payment method and device.
  • a code scanning payment method using a proxy server to realize the interaction between the wallet client and the external payment page, the method includes: the wallet client scans Obtain the external collection code, display the interactive interface for inputting the payment amount; receive the payment amount input by the user on the interactive interface; send the information of the external collection code and the information of the payment amount to the agency service terminal; the proxy server parses the received external payment code information, and loads the external collection page corresponding to the external payment code according to the analysis result; the proxy server, according to the received payment amount information, In the loaded external collection page, the user is simulated to input the payment amount and confirm the operation to send a payment request to the provider of the external collection code; the provider of the external collection code responds to the payment of the payment request Confirm the message, and forward the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete the payment according to the payment confirmation message.
  • a scanning code payment method is proposed, using a proxy server to realize the interaction between the wallet client and the external payment page, and the proxy server executes: obtain the wallet The external collection code information and payment amount information sent by the client; the wallet client is pre-configured to: after scanning the external collection code, display an interactive interface for inputting the payment amount, and receive the user input through the interactive interface Payment amount; analyze the received external collection code information, and load the external collection page corresponding to the external collection code according to the analysis result; according to the received payment amount information, in the loaded external collection page , simulating the user’s payment amount input operation and confirmation operation to send a payment request to the provider of the external collection code; obtain a payment confirmation message from the provider of the external collection code in response to the payment request, and send the payment confirmation The message is forwarded to the wallet client, so that the wallet client prompts the user to complete the payment according to the payment confirmation message.
  • a scanning code payment method which utilizes the proxy server to realize the interaction between the wallet client and the external collection page, and the wallet client performs: scan to obtain the external collection code, and display the An interactive interface for inputting the payment amount; receiving the payment amount input by the user on the interactive interface; sending the information of the external collection code and the information of the payment amount to the agent server, so that the agent server loads the The external collection page corresponding to the external collection code, and simulate the user to perform the payment amount input operation and confirmation operation; obtain the payment confirmation message forwarded by the proxy server, and the payment confirmation message is the response of the provider of the external collection code The message sent by the payment request, and prompt the user to complete the payment according to the payment confirmation message.
  • a scanning code payment device which uses a proxy server to realize the interaction between the wallet client and the external payment page, and is applied to the proxy server.
  • the device includes: information acquisition The module is used to obtain the external collection code information and payment amount information sent by the wallet client; the wallet client is pre-configured to display an interactive interface for inputting the payment amount after scanning the external collection code, and pass the The interactive interface receives the payment amount input by the user; the page loading module is used to analyze the received external payment code information, and loads the external payment page corresponding to the external payment code according to the analysis result; the input module is used to The received payment amount information, in the loaded external collection page, simulates the user to perform the payment amount input operation and confirmation operation, so as to send a payment request to the provider of the external collection code; the payment message forwarding module is used to obtain The provider of the external collection code responds to the payment confirmation message of the payment request, and forwards the payment confirmation message to the wallet client, so that the wallet client prompts the user to
  • a code scanning payment device which uses a proxy server to realize the interaction between the wallet client and the external payment page, and is applied to the wallet client.
  • the device includes: an interactive interface display module , for scanning to obtain the external collection code, and displaying the interactive interface for inputting the payment amount; the payment amount receiving module is used for receiving the payment amount input by the user on the interactive interface; the information sending module is used for sending the external collection The information of the payment code and the information of the payment amount are sent to the proxy server, so that the proxy server loads the external collection page corresponding to the external collection code, and simulates the user's payment amount input operation and confirmation operation;
  • the payment confirmation message obtaining module is used to obtain the payment confirmation message forwarded by the proxy server, the payment confirmation message is a message sent by the provider of the external collection code in response to the payment request, and prompts according to the payment confirmation message The user completes the payment.
  • a code scanning payment system which uses a proxy server to realize the interaction between the wallet client and the external payment page.
  • the system includes the wallet client and the proxy server; the wallet The client terminal executes: scan to obtain the external payment code, and display the interactive interface for inputting the payment amount; receive the payment amount input by the user on the interactive interface; send the information of the external payment code and the information of the payment amount to Send it to the proxy server; the proxy server executes: the proxy server analyzes the received external payment code information, and loads the external payment page corresponding to the external payment code according to the analysis result; according to the received In the loaded external collection page, the user is simulated to enter the payment amount and confirm the operation, so as to send a payment request to the provider of the external collection code; the provider of the external collection code responds to the The payment confirmation message of the payment request, and forward the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete the payment according to the payment confirmation message.
  • a computer-readable storage medium on which computer instructions are stored, and when the instructions are executed by a processor, the scanning as described in the second aspect or the third aspect of the embodiments of this specification is implemented. code payment method.
  • an electronic device including: a processor; a memory for storing processor-executable instructions; wherein, the processor executes the executable instructions to implement the The code scanning payment method described in the second aspect or the third aspect of the embodiment.
  • the wallet client sends the scanned information of the external payment code of the merchant and the information of the payment amount input by the user through the interactive interface for inputting the payment amount to the agent server, and the agent service
  • the terminal simulates the wallet client to load the external collection page corresponding to the external collection code, and simulates the user to input the payment amount to send a payment request to the provider of the external collection code.
  • the payment confirmation message is sent to the wallet client, and the wallet client interacts with the user to complete the payment after receiving the payment confirmation message.
  • the wallet client By loading the external collection page by the proxy server and simulating the user's input of the payment amount, the wallet client does not need to load the external collection page, and there is no need to adapt the interactive logic of the provider of the external collection code, which reduces the The workload of wallet client development and testing.
  • Fig. 1 is a flow chart of a code scanning payment method according to an exemplary embodiment of this specification.
  • Figure 2 shows the process of interaction between the wallet client and the acquirer through the third-party SDK shown in this description.
  • Fig. 3 is a flow chart of another code scanning payment method shown in this specification according to a specific embodiment.
  • Fig. 4 is a flow chart of another scanning code payment method according to an exemplary embodiment of this specification.
  • Fig. 5 is a flow chart of another code scanning payment method shown in this specification according to an exemplary embodiment.
  • Fig. 6 is a block diagram of a scanning code payment device according to an exemplary embodiment of this specification.
  • Fig. 7 is a block diagram of another scanning code payment device according to an exemplary embodiment of this specification.
  • Fig. 8 is a hardware structural diagram of a computer device where a code scanning payment device is located according to an exemplary embodiment of this specification.
  • the steps of the corresponding methods are not necessarily performed in the order shown and described in this specification.
  • the method may include more or less steps than those described in this specification.
  • a single step described in this specification may be decomposed into multiple steps for description in other embodiments; multiple steps described in this specification may also be combined into a single step in other embodiments describe.
  • the process of user scanning code payment often involves the interaction between the wallet client and the external collection page, and if the e-wallet wants to open up new markets (such as opening up markets in new countries), it often needs to communicate with external collection pages in the new market.
  • new markets such as opening up markets in new countries
  • the e-wallet needs to invest a lot of energy in development and testing.
  • the specific interaction process between the wallet client and the external payment code provider is as follows: the wallet client receives the user's code scanning request, analyzes the scanned external payment code, and determines the external payment code based on the analysis result. Link to the collection page, and according to the interaction method corresponding to the external collection page link, load the collection page corresponding to the collection code, and receive the user's payment amount input. After the user confirms, the external collection code provider will pass the external collection code. The payment page returns the order identification information, and the wallet client obtains the order information from the server of the external payment code provider according to the order identification information, and prompts the user to complete the payment according to the order information.
  • the wallet client sends the information of the scanned external payment code of the merchant and the payment amount input by the user through the interactive interface for inputting the payment amount to the agent server, and the agent server simulates the wallet client Load the external collection page corresponding to the external collection code, and simulate the user to input the payment amount to send a payment request to the external collection code provider.
  • the agent server simulates the wallet client Load the external collection page corresponding to the external collection code, and simulate the user to input the payment amount to send a payment request to the external collection code provider.
  • the confirmation message is sent to the wallet client, and the wallet client interacts with the user to complete the payment after receiving the payment confirmation message.
  • the wallet client By loading the external collection page by the proxy server and simulating the user's input of the payment amount, the wallet client does not need to load the external collection page, and does not need to adapt the interaction logic of the external collection page, reducing the wallet client Efforts for development and testing.
  • this manual provides a scanning code payment method, as shown in Figure 1, compared with the prior art scan code payment process in which only the wallet client and the external payment code provider participate, the method provided in this manual Added a proxy server, using the proxy server to proxy the wallet client to parse the external payment code and load the external payment page to complete the interaction between the wallet client and the external payment page.
  • the code scanning payment method includes the following steps: Step 101, the wallet client scans to obtain an external collection code, and displays an interactive interface for inputting a payment amount.
  • Step 103 the wallet client receives the payment amount input by the user on the interactive interface.
  • step 101 and step 103 will be collectively described.
  • the interactive interface for inputting the payment amount can be presented in the form of an input box or in the form of a page.
  • the page is not an external page but provided by the wallet client itself.
  • it can be an external collection page for entering the payment amount after scanning the QR code of the wallet client itself.
  • the external collection code corresponds to the external collection page, and is provided by other acquiring institutions or acquiring service institutions except the e-wallet, and these two institutions are the providers of the external collection code.
  • the electronic wallet referred to in this manual can be any one of them, and the external payment code provider can also be one of them. anyone.
  • the wallet client can submit the payment amount entered by the user to the external payment code provider without loading the external payment page, so that the wallet client does not need to adapt the interaction logic of the external payment code provider.
  • the method of the embodiment of this specification makes the wallet client need not adapt to multiple external payment code providers, so that the development cost of the electronic wallet is greatly reduced , making it easier for e-wallets to open up new markets.
  • the wallet client needs to first determine whether the item captured through the code scanning interface has an external payment code , and whether the external collection code is an external collection code that cannot be parsed by itself but can be parsed by the proxy server, after confirming that there is an external collection code that cannot be parsed by itself but can be parsed by the proxy server After the external payment code, the interactive interface will be displayed.
  • the wallet client when the user scans a QR code or other barcode through the code scanning function of the wallet client, the wallet client first determines whether the external payment code is an external payment code that can be parsed by itself; if it is determined that it can Analyze the external payment code, and then directly display the corresponding page; if you are sure that you cannot resolve the external payment code, you can send a query request to the cooperative proxy server.
  • the query request is used to make the proxy server query whether it can resolve the query request QR code contained in ; if the proxy server returns a successful query message to the wallet client in response to the query request, the wallet client loads the interactive interface for the user to input the payment amount to obtain the payment amount input by the user; if the proxy server In response to the query request, a query failure message is returned to the wallet client, and the wallet client prompts the user that the query cannot be resolved.
  • step 101 includes: the wallet client scans to obtain the external collection code, and sends a query request including the information of the external collection code to the proxy server; the proxy server obtains the information of the external collection code If it can be resolved, send a query success message to the wallet client; the wallet client displays an interactive interface for inputting the payment amount in response to the query success message.
  • Step 105 the wallet client sends the information of the external collection code and the information of the payment amount to the proxy server.
  • the wallet client After obtaining the payment amount input by the user, in order to enable the provider of the external payment code to obtain the payment amount entered by the user and complete the interaction with the external payment page, the wallet client needs to transfer the information of the external payment code to and the payment amount information are sent to the proxy server, so that the entire interaction process can be completed without changing the existing method of obtaining the payment amount by the external collection code provider.
  • the information of the external payment code may be a photographed image of the external payment code, or may be a binary value generated after identifying the external payment code.
  • the proxy server since the proxy server not only connects to a wallet client, in order to enable the proxy server to identify which wallet client sent each piece of information, it also needs to send identification information for distinguishing different wallet clients For example, the identification information combined by the identification of the electronic wallet corresponding to the wallet client and the user identification.
  • the identification information can also be in other forms, and this specification does not limit the form of the identification information.
  • Step 107 the proxy server analyzes the received external payment code information, and loads the external payment page corresponding to the external payment code according to the analysis result.
  • the proxy server simulates the user's payment amount input and confirmation operations on the loaded external collection page according to the received payment amount information, so as to send a payment request to the external collection code provider.
  • step 107 and step 109 will be collectively described.
  • the proxy server is chosen to parse the external collection code and load the external collection page code corresponding to the external collection page, so that the proxy server interacts with the external collection page on behalf of the wallet client, which reduces the development cost of the wallet client.
  • loading the external collection page can be loaded through a headless browser, and loading through a headless browser can conveniently process the interactive tasks of multiple external collection pages in batches.
  • Loading the external collection page is actually loading by simulating the wallet client, so that the method used to interact with the external collection code provider has not changed, so that the server of the external collection code provider does not need to understand the entire interaction process Make adjustments.
  • step 109 can input the payment amount according to the pre-stored analysis results for different external collection pages, so that it does not need to spend time analyzing the external collection page every time the external collection page is loaded, which improves the processing speed.
  • step 109 may include: determining the meaning of each interactive page element in the external payment page according to the pre-stored analysis results of the external payment page; determining the page element that needs to be clicked to input the payment amount position and click sequence, and input the payment amount according to the determined click sequence; if the input payment amount displayed on the external collection page is the same as the payment amount, then click the symbol determined on the external collection page Page elements to simulate a user's definite action.
  • the external collection page may be updated, so the proxy server can set a scheduled task to regularly monitor whether the external collection page changes, and after the change, re-determine the meaning of each interactive page element in the external collection page, In order to prevent the entered payment amount information from being wrong.
  • the proxy server sends a payment request through the external collection page, it intercepts the returned order identification information, calls the order identification information analysis interface, and obtains the order information from the external collection code provider server.
  • Step 111 the proxy server obtains the payment confirmation message from the external collection code provider in response to the payment request, and forwards the payment confirmation message to the wallet client, so that the wallet client prompts the user according to the payment confirmation message Complete the payment.
  • the payment confirmation requires the user's participation, after obtaining the payment confirmation message sent by the server of the external collection code provider, the payment confirmation message needs to be sent to the wallet client, so that the wallet client prompts the user to complete the payment.
  • the e-wallet will cooperate with the third-party server.
  • the third-party server will provide a software development kit (Software Development Kit, SDK).
  • SDK Software Development Kit
  • the provided SDK is used to load the external payment page and is responsible for interacting with the external payment code provider.
  • FIG 2. The user scans the payment code provided by the acquiring agency, and the wallet client uses the integrated SDK to target the external payment page and follow the external payment collection page. The interactive mode required by the page is loaded. The user enters the amount and confirms it in the loaded external collection page.
  • the acquirer After confirmation, the acquirer returns the order identification information through the external collection page.
  • the SDK After confirmation, the acquirer returns the order identification information through the external collection page.
  • the SDK After confirmation, the acquirer returns the order identification information through the external collection page.
  • the SDK After confirmation, the acquirer returns the order identification information through the external collection page.
  • the SDK After the SDK obtains the order identification information, it calls the proxy service
  • the client parses the order identification information, and the proxy server obtains the order information from the acquirer, and forwards the order information to the wallet client to prompt the user to complete the payment.
  • this method cannot be well adapted to the scenario where the electronic wallet does not allow loading of external pages.
  • the wallet client does not need to load the external collection page, and the electronic wallet does not need to adapt the interaction logic with the external collection page, so that the electronic wallet can better develop new markets.
  • the wallet client does not need to integrate the third-party SDK, which also saves the integration workload of the wallet client.
  • the proxy server acts as the proxy for the entire interaction process, which reduces the number of calls initiated by the wallet client and the cost of the entire payment process. The speed has been improved, which improves the user experience; in addition, users can still use the original scanning code payment method to complete the payment, and users do not need to make changes for this adaptation.
  • a certain e-wallet A in Thailand wants to expand overseas markets (such as the Japanese market), so that users of the wallet client can also use local e-wallets when traveling in Japan, so as to improve the user experience of the A wallet client.
  • the e-wallet A needs to cooperate with multiple external payment code providers in Japan, and needs to adapt to the interaction logic of multiple external payment pages.
  • the e-wallet A chooses to cooperate with the agent server, and the agent The server is used to proxy the interaction process.
  • the entire interaction process is specifically, firstly, the user scans the code, and the wallet client confirms that the scanned code can be parsed by the proxy server
  • the external collection code of the wallet client is displayed, the external collection page of the wallet client itself (the page used to enter the payment amount) is displayed, and the payment amount input by the user is received through the external collection page, and the payment amount and the external collection code are combined.
  • the information is sent to the proxy server; the proxy server determines the interaction mode of the external payment page according to the received external payment code information to load the external payment page, and analyzes it according to the pre-stored page elements of the external payment page As a result, the user's payment amount is automatically entered and confirmed on the external collection page, and then the order identification information returned by the acquirer through the external collection page is obtained.
  • the party obtains the order information, and forwards the obtained order information to the wallet client, so that the wallet client completes the payment process.
  • this specification also provides a code scanning payment method applied to the proxy server and the wallet client.
  • this manual also provides a code scanning payment method, which uses a proxy server to realize the interaction between the wallet client and the acquiring institution, and the proxy server performs the following steps:
  • Step 401 obtain the external collection code information and payment amount information sent by the wallet client; the wallet client is pre-configured to: after scanning the external collection code provided by the acquiring institution, display an interactive interface for inputting the payment amount, And receive the payment amount input by the user through the interaction interface.
  • Step 403 Analyze the received external payment code information, and load the external payment page corresponding to the external payment code according to the analysis result.
  • Step 405 According to the received payment amount information, on the loaded external collection page, simulate the user to perform payment amount input and confirmation operations, so as to send a payment request to the acquirer.
  • Step 407 Obtain a payment confirmation message from the acquirer in response to the payment request, and forward the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete the payment according to the payment confirmation message.
  • this manual also provides a scanning code payment method, using the proxy server to realize the interaction between the wallet client and the acquiring institution, and the wallet client performs the following steps: Step 501, scan to obtain the information provided by the acquiring institution The external payment code of , displaying the interactive interface for inputting the payment amount.
  • Step 503 receiving the payment amount input by the user on the interactive interface.
  • Step 505 Send the information of the external collection code and the information of the payment amount to the proxy server, so that the proxy server loads the external collection page corresponding to the external collection code, and simulates the user to perform Payment amount input operation and confirmation operation.
  • Step 507 obtain the payment confirmation message forwarded by the proxy server, the payment confirmation message is a message sent by the acquirer in response to the payment request, and prompt the user to complete the payment according to the payment confirmation message.
  • the embodiment of this specification also provides a scanning code payment system, which uses a proxy server to realize the interaction between the wallet client and the acquiring institution.
  • the system includes the wallet client and the proxy server; the wallet client, Execution: Scan to obtain the external collection code provided by the acquirer, and display the interactive interface for inputting the payment amount; receive the payment amount input by the user on the interactive interface; send the information of the external collection code and the payment amount to The information is sent to the proxy server.
  • the proxy server executes: the proxy server analyzes the received external payment code information, loads the external payment page corresponding to the external payment code according to the analysis result; according to the received payment amount information, loads the In the external collection page of , simulate the user to input the payment amount and confirm the operation to send a payment request to the acquirer; obtain the payment confirmation message from the acquirer in response to the payment request, and forward the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete the payment according to the payment confirmation message.
  • this specification also provides embodiments of a code scanning payment device and electronic equipment to which it is applied.
  • FIG. 6 is a block diagram of a code scanning payment device according to an exemplary embodiment of this specification, the device includes: an information obtaining module 610, used to obtain the external payment code sent by the wallet client Information and payment amount information; the wallet client is pre-configured to: After scanning the external collection code provided by the acquirer, display an interactive interface for inputting the payment amount, and receive the payment amount input by the user through the interactive interface.
  • an information obtaining module 610 used to obtain the external payment code sent by the wallet client Information and payment amount information
  • the wallet client is pre-configured to: After scanning the external collection code provided by the acquirer, display an interactive interface for inputting the payment amount, and receive the payment amount input by the user through the interactive interface.
  • the page loading module 620 is configured to analyze the received external payment code information, and load the external payment page corresponding to the external payment code according to the analysis result.
  • the input module 630 is used for simulating the user's payment amount input operation and confirmation operation on the loaded external collection page according to the received payment amount information, so as to send a payment request to the acquirer.
  • the payment message forwarding module 640 is configured to obtain a payment confirmation message from the acquirer in response to the payment request, and forward the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete the payment according to the payment confirmation message pay.
  • Fig. 7 is a block diagram of a scanning code payment device shown in this specification according to an exemplary embodiment.
  • the payment amount receiving module 720 is configured to receive the payment amount input by the user through the interaction interface.
  • the information sending module 730 is configured to send the information of the external collection code and the information of the payment amount to the proxy server, so that the proxy server loads the external collection page corresponding to the external collection code, And simulate the user to input the payment amount and confirm the operation.
  • the payment confirmation message obtaining module 740 is configured to obtain the payment confirmation message forwarded by the proxy server, the payment confirmation message is a message sent by the acquirer in response to the payment request, and prompt the user to complete the payment according to the payment confirmation message .
  • the device embodiment since it basically corresponds to the method embodiment, for related parts, please refer to the part description of the method embodiment.
  • the device embodiments described above are only illustrative, and the modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in One place, or it can be distributed to multiple network modules. Part or all of the modules can be selected according to actual needs to achieve the purpose of the solution in this specification. It can be understood and implemented by those skilled in the art without creative effort.
  • Figure 8 shows a hardware structure diagram of the electronic device where the code scanning payment device of the embodiment is located.
  • the code scanning payment device can be any of the above code scanning payment devices, and the corresponding device can be installed Wallet client or install proxy server.
  • the device may include: a processor 1010 , a memory 1020 , an input/output interface 1030 , a communication interface 1040 and a bus 1050 .
  • the processor 1010 , the memory 1020 , the input/output interface 1030 and the communication interface 1040 are connected to each other within the device through the bus 1050 .
  • the processor 1010 may be implemented by a general-purpose CPU (Central Processing Unit, central processing unit), a microprocessor, an application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits, and is used to execute related programs to realize the technical solutions provided by the embodiments of this specification.
  • a general-purpose CPU Central Processing Unit, central processing unit
  • a microprocessor an application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits
  • ASIC Application Specific Integrated Circuit
  • the memory 1020 can be implemented in the form of ROM (Read Only Memory, read-only memory), RAM (Random Access Memory, random access memory), static storage device, dynamic storage device, etc.
  • the memory 1020 can store operating systems and other application programs. When implementing the technical solutions provided by the embodiments of this specification through software or firmware, the relevant program codes are stored in the memory 1020 and invoked by the processor 1010 for execution.
  • the input/output interface 1030 is used to connect the input/output module to realize information input and output.
  • the input/output/module can be configured in the device as a component (not shown in the figure), or can be externally connected to the device to provide corresponding functions.
  • the input device may include a keyboard, mouse, touch screen, microphone, various sensors, etc.
  • the output device may include a display, a speaker, a vibrator, an indicator light, and the like.
  • the communication interface 1040 is used to connect a communication module (not shown in the figure), so as to realize the communication interaction between the device and other devices.
  • the communication module can realize communication through wired means (such as USB, network cable, etc.), and can also realize communication through wireless means (such as mobile network, WIFI, Bluetooth, etc.).
  • Bus 1050 includes a path that carries information between the various components of the device (eg, processor 1010, memory 1020, input/output interface 1030, and communication interface 1040).
  • the above device only shows the processor 1010, the memory 1020, the input/output interface 1030, the communication interface 1040 and the bus 1050, in the specific implementation process, the device may also include other components.
  • the above-mentioned device may only include components necessary to implement the solutions of the embodiments of this specification, and does not necessarily include all the components shown in the figure.
  • the embodiment of this specification also provides a computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, the code scanning payment method as described in the second aspect or the third aspect of the embodiment of this specification is implemented.
  • the computer-readable storage medium may store a computer program corresponding to the proxy server, or a computer program corresponding to the wallet client.
  • Computer-readable media including both permanent and non-permanent, removable and non-removable media, can be implemented by any method or technology for storage of information.
  • Information may be computer readable instructions, data structures, modules of a program, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Flash memory or other memory technology, Compact Disc Read-Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, Magnetic tape cartridge, tape magnetic disk storage or other magnetic storage device or any other non-transmission medium that can be used to store information that can be accessed by a computing device.
  • computer-readable media excludes transitory computer-readable media, such as modulated data signals and carrier waves.

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Abstract

本说明书一个或多个实施例提供一种扫码支付方法，钱包客户端将扫描的商家外部收款码的信息，及用户通过用于输入支付金额的交互接口输入的支付金额的信息，发送给代理服务端，代理服务端模拟钱包客户端对外部收款码对应的外部收款页面进行加载，并模拟用户进行支付金额的输入，以向外部收款码的提供方发送支付请求，在获取到支付请求对应的支付确认消息后，将该支付确认消息发送给钱包客户端，钱包客户端收到支付确认消息后，和用户交互完成支付。通过由代理服务端加载外部收款页面，并模拟用户对支付金额进行输入，使得钱包客户端可以不用加载外部收款页面，也就无需适配外部收款码的提供方的交互逻辑，减少了钱包客户端开发和测试的工作量。

Description

扫码支付的方法及装置 技术领域
本说明书一个或多个实施例涉及计算机技术领域，尤其涉及扫码支付的方法及装置。
背景技术
用户使用电子钱包进行线下扫码支付的过程可以是：用户通过电子钱包客户端(下文简称为钱包客户端)扫描商家的收款码(下文简称为扫码支付)，在加载的收款页面上输入支付金额，并完成支付。而一些情况下，收款码是外部收款码，换言之，该外部收款码是除该电子钱包之外的其他机构(比如收单机构或收单外包服务机构，下文简称外部收款码提供方)，根据商家对应的收款页面预先生成的，收款码的常见形式是二维码，二维码中包括收款页面的链接，其中，收款页面对于电子钱包而言，是可以输入支付金额的外部收款页面。其中，收单机构指的是与某些商家签订协议，帮助商家进行收款的机构，具体而言，在支付过程中，如果商家与某个收单机构签订了协议，那么用户向商家支付的钱款先到收单机构的账户中，再由收单机构将对应的钱款发送到商家账户中；收单外包服务机构指的是在收单机构参与的收款过程中，提供技术服务支持(提供收款码和收款页面)的机构。
如果支付过程中用户扫描的是外部收款码，那么用户线下扫码支付的过程中涉及了外部收款页面和钱包客户端之间的交互，而不同的外部收款码提供方对于两者之间的交互逻辑有不同的技术要求，比如有些外部收款码提供方要求进行回跳拦截，而有些外部收款码提供方不需要；不同的电子钱包对于两者之间的交互逻辑也有不同的要求。这就导致如果电子钱包想要与外部收款码提供方进行合作，电子钱包或外部收款码提供方就需要对合作方的交互逻辑进行适配。而有些情况下，需要电子钱包主动去适配多个外部收款码提供方的交互逻辑，这使得电子钱包需要投入大量精力去对适配工作进行开发和测试。
发明内容
有鉴于此，本说明书一个或多个实施例提供一种扫码支付方法及装置。
根据本说明书一个或多个实施例的第一方面，提出了一种扫码支付方法，利用代理服务端实现钱包客户端与外部收款页面之间的交互，所述方法包括：钱包客户端扫描获 得外部收款码，显示用于输入支付金额的交互接口；接收用户在所述交互接口输入的支付金额；将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端；所述代理服务端对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面；所述代理服务端根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向外部收款码的提供方发送支付请求；获得外部收款码的提供方响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
根据本说明书一个或多个实施例的第二方面，提出了一种扫码支付方法，利用代理服务端实现钱包客户端与外部收款页面之间的交互，所述代理服务端执行：获得钱包客户端发送的外部收款码信息及支付金额信息；钱包客户端被预先配置为：扫描获得外部收款码后，显示用于输入支付金额的交互接口，并通过所述交互接口接收用户输入的支付金额；对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面；根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向外部收款码的提供方发送支付请求；获得外部收款码的提供方响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
根据本说明书实施例的第三方面，提供一种扫码支付方法，利用代理服务端实现钱包客户端与外部收款页面之间的交互，钱包客户端执行：扫描获得外部收款码，显示用于输入支付金额的交互接口；接收用户在所述交互接口输入的支付金额；将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端，以使代理服务端加载所述外部收款码对应的外部收款页面，并模拟用户进行支付金额输入操作及确认操作；获得代理服务端转发的支付确认消息，所述支付确认消息为外部收款码的提供方响应于所述支付请求所发送的消息，并根据所述支付确认消息提示用户完成支付。
根据本说明书实施例第四方面，提供一种扫码支付装置，利用代理服务端实现钱包客户端与外部收款页面之间的交互，应用于所述代理服务端，所述装置包括：信息获得模块，用于获得钱包客户端发送的外部收款码信息及支付金额信息；钱包客户端被预先配置为：扫描获得外部收款码后，显示用于输入支付金额的交互接口，并通过所述交互接口接收用户输入的支付金额；页面加载模块，用于对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面；输入模块，用于根据所接 收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向外部收款码的提供方发送支付请求；支付消息转发模块，用于获得外部收款码的提供方响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
根据本说明书实施例第五方面，提供一种扫码支付装置，利用代理服务端实现钱包客户端与外部收款页面之间的交互，应用于钱包客户端，所述装置包括：交互接口显示模块，用于扫描获得外部收款码，显示用于输入支付金额的交互接口；支付金额接收模块，用于接收用户在所述交互接口输入的支付金额；信息发送模块，用于将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端，以使代理服务端加载所述外部收款码对应的外部收款页面，并模拟用户进行支付金额输入操作及确认操作；支付确认消息获得模块，用于获得代理服务端转发的支付确认消息，所述支付确认消息为外部收款码的提供方响应于所述支付请求所发送的消息，并根据所述支付确认消息提示用户完成支付。
根据本说明书实施例第六方面，提供一种扫码支付***，利用代理服务端实现钱包客户端与外部收款页面之间的交互，所述***包括钱包客户端和所述代理服务端；钱包客户端，执行：扫描获得外部收款码，显示用于输入支付金额的交互接口；接收用户在所述交互接口输入的支付金额；将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端；代理服务端，执行：代理服务端对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面；根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向外部收款码的提供方发送支付请求；获得外部收款码的提供方响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
根据本说明书实施例的第七方面，提供一种计算机可读存储介质，其上存储有计算机指令，该指令被处理器执行时实现如本说明书实施例第二方面或第三方面所述的扫码支付方法。
根据本说明书实施例的第八方面，提供一种电子设备，包括：处理器；用于存储处理器可执行指令的存储器；其中，所述处理器通过运行所述可执行指令以实现如本说明书实施例第二方面或第三方面所述的扫码支付方法。
本说明书一个或多个实施例中，钱包客户端将扫描的商家外部收款码的信息，及用 户通过用于输入支付金额的交互接口输入的支付金额的信息，发送给代理服务端，代理服务端模拟钱包客户端对外部收款码对应的外部收款页面进行加载，并模拟用户进行支付金额的输入，以向外部收款码的提供方发送支付请求，在获取到支付请求对应的支付确认消息后，将该支付确认消息发送给钱包客户端，钱包客户端收到支付确认消息后，和用户交互完成支付。通过由代理服务端加载外部收款页面，并模拟用户对支付金额进行输入，使得钱包客户端可以不用加载外部收款页面，也就无需适配外部收款码的提供方的交互逻辑，减少了钱包客户端开发和测试的工作量。
应当理解的是，以上的一般描述和后文的细节描述仅是示例性和解释性的，并不能限制本说明书。
附图说明
此处的附图被并入说明书中并构成本说明书的一部分，示出了符合本说明书的实施例，并与说明书一起用于解释本说明书的原理。
图1是本说明书根据一示例性实施例示出的一种扫码支付方法的流程图。
图2是本说明示出的钱包客户端通过第三方SDK与收单机构交互的过程。
图3是本说明书根据一具体实施例示出的再一种扫码支付方法的流程图。
图4是本说明书根据一示例性实施例示出的另一种扫码支付方法的流程图。
图5是本说明书根据一示例性实施例示出的又一种扫码支付方法的流程图。
图6是本说明书根据一示例性实施例示出的一种扫码支付装置的框图。
图7是本说明书根据一示例性实施例示出的另一种扫码支付装置的框图。
图8是本说明书根据一示例性实施例示出的一种扫码支付装置所在计算机设备的一种硬件结构图。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本说明书一个或多个实施例相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本说明书一个或多个实施例的一些方 面相一致的装置和方法的例子。
需要说明的是：在其他实施例中并不一定按照本说明书示出和描述的顺序来执行相应方法的步骤。在一些其他实施例中，其方法所包括的步骤可以比本说明书所描述的更多或更少。此外，本说明书中所描述的单个步骤，在其他实施例中可能被分解为多个步骤进行描述；而本说明书中所描述的多个步骤，在其他实施例中也可能被合并为单个步骤进行描述。
用户扫码支付的过程中，往往涉及钱包客户端和外部收款页面之间的交互，而如果电子钱包想要开拓新市场(比如在新的国家开拓市场)，往往需要与新市场的外部收款码提供方合作，而大部分情况下，新市场的外部收款码提供方基本不可能主动适配电子钱包的交互逻辑，这就要求电子钱包去主动适配新市场的外部收款码提供方的交互逻辑，那么电子钱包需要投入大量精力去开发和测试，以适配新市场的外部收款码提供方的交互逻辑。
电子钱包主动适配的情况下，钱包客户端与外部收款码提供方具体的交互过程为：钱包客户端接收用户的扫码请求，并解析扫描到的外部收款码，根据解析结果确定外部收款页面链接，并根据该外部收款页面链接对应的交互方式，加载收款码对应的收款页面，并接收用户的支付金额输入，在用户确认后，外部收款码提供方通过外部收款页面返回订单标识信息，钱包客户端再根据订单标识信息从外部收款码提供方的服务端获取订单信息，并根据订单信息提示用户完成支付。
为了解决上述问题，钱包客户端将扫描的商家外部收款码的信息，及用户通过用于输入支付金额的交互接口输入的支付金额的信息，发送给代理服务端，代理服务端模拟钱包客户端对外部收款码对应的外部收款页面进行加载，并模拟用户进行支付金额的输入，以向外部收款码提供方发送支付请求，在获取到支付请求对应的支付确认消息后，将该支付确认消息发送给钱包客户端，钱包客户端收到支付确认消息后，和用户交互完成支付。通过由代理服务端加载外部收款页面，并模拟用户对支付金额进行输入，使得钱包客户端可以不用加载外部收款页面，也就无需适配外部收款页面的交互逻辑，减少了钱包客户端开发和测试的工作量。
接下来将对本说明书提供的一种扫码支付方法及装置进行详细说明。
首先，本说明书提供了一种扫码支付方法，如图1所示，与现有技术的只有钱包客户端和外部收款码提供方参与的扫码支付流程相比，本说明书提供的方法中新增了代理 服务端，利用代理服务端代理钱包客户端来解析外部收款码加载外部收款页面，以完成钱包客户端与外部收款页面之间的交互。该扫码支付方法包括以下步骤：步骤101，钱包客户端扫描获得外部收款码，显示用于输入支付金额的交互接口。
步骤103，钱包客户端接收用户在所述交互接口输入的支付金额。
接下来将对步骤101和步骤103统一进行说明。
其中，用于输入支付金额的交互接口，可以是以输入框的形式呈现，也可以是以页面的形式呈现，如果是以页面的形式呈现，该页面非外部页面，而是钱包客户端自身提供的页面，比如可以是钱包客户端自身的扫码后用于输入支付金额的外部收款页面。外部收款码对应于外部收款页面，是除了电子钱包之外的其他收单机构或收单服务机构所提供的，这两种机构即为外部收款码提供方。与代理服务端合作的电子钱包有多个，和代理服务端合作的外部收款码提供方也有多个，本说明书指的电子钱包可以是其中任意一个，外部收款码提供方也可以是其中任意一个。
区别于相关技术中的，扫描了外部收款码后，会对该外部收款码进行解码，并加载相应的外部收款页面，本说明书实施例中，扫描了外部收款码后，不对该外部收款码进行解码，不加载外部收款码对应的外部收款页面，而是加载用于输入支付金额的交互接口。这样，钱包客户端无需加载外部收款页面也能向外部收款码提供方提交用户输入的支付金额，使得钱包客户端无需对外部收款码提供方的交互逻辑进行适配。且在电子钱包需要合作的外部收款码提供方较多的情况下，本说明书实施例的方法使得钱包客户端无需适配多个外部收款码提供方，使得电子钱包的开发成本大幅度下降，使电子钱包开拓新市场更为容易。
此外，考虑到钱包客户端不能在通过扫码界面拍摄到任何东西后，都加载用于输入支付金额的交互接口，钱包客户端需要先确定通过扫码界面拍摄到的物品是否存在外部收款码，及该外部收款码是否是自身无法解析，而代理服务端能解析的外部收款码，在确定存在外部收款码，且该外部收款码是自身无法解析，代理服务端能解析的外部收款码后，再显示交互接口。
具体而言，在用户通过钱包客户端的扫码功能扫描到二维码或者其他条形码的情况下，钱包客户端先确定该外部收款码是否是自身能解析的外部收款码；如果确定自身可以解析该外部收款码，则直接显示对应的页面；如果确定自身不能解析该外部收款码，可以向合作的代理服务端发送查询请求，查询请求用于使得代理服务端查询是否能解析 查询请求中包含的二维码；如果代理服务端响应于该查询请求，向钱包客户端返回查询成功消息，则钱包客户端加载用户输入支付金额的交互接口，获取用户输入的支付金额；如果代理服务端响应于该查询请求，向钱包客户端返回查询失败消息，则钱包客户端提示用户无法解析。换言之，步骤101包括：钱包客户端扫描获得外部收款码，向所述代理服务端发送包括所述外部收款码的信息的查询请求；所述代理服务端在所述外部收款码的信息能被解析的情况下，向钱包客户端发送查询成功消息；钱包客户端响应于所述查询成功信息，显示用于输入支付金额的交互接口。
步骤105，钱包客户端将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端。
在获取到用户输入的支付金额后，为了使得外部收款码提供方也能获取到用户输入的支付金额，完成与外部收款页面之间的交互，钱包客户端需要将外部收款码的信息及支付金额的信息发送给代理服务端，使得不用改变现有的外部收款码提供方获取支付金额的方法的情况下，完成整个交互过程。
其中，外部收款码的信息可以是拍摄到的外部收款码图片，也可以是对外部收款码进行识别后生成的二进制数值。此外，步骤105中，由于代理服务端不仅对接了一个钱包客户端，为了使得代理服务端可以识别每条信息是哪一个钱包客户端发来的，还需发送用于区分不同钱包客户端的标识信息，比如说由钱包客户端对应的电子钱包的标识，及用户标识组合起来的标识信息，当然标识信息还可以是其他的形式，本说明书不限制标识信息的形式。
步骤107，代理服务端对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面。
步骤109，代理服务端根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向外部收款码提供方发送支付请求。
接下来将对步骤107和步骤109进行统一说明。
区别于相关技术中的由钱包客户端来解析外部收款码并加载对应的外部收款页面的方法，本说明书实施例中，选择由代理服务端来解析外部收款码，并加载外部收款码对应的外部收款页面，这样，代理服务端代理钱包客户端与外部收款页面进行交互，使得钱包客户端开发成本降低。
其中，加载外部收款页面可以是通过无头浏览器(Headless Browser)进行加载，通 过无头浏览器进行加载可以方便地批量处理多个外部收款页面的交互任务。加载外部收款页面实际上是模拟钱包客户端进行加载，这样实际上所使用和外部收款码提供方进行交互的方法并没有变化，使得外部收款码提供方的服务端无需对整个交互过程做出调整。
在交互过程中，为了能够在加载的外部收款页面上模拟用户进行支付金额输入操作及确认操作，需要知道外部收款页面中每个可交互页面元素的含义。那么确定外部收款页面中每个可交互页面元素的含义，可以在打开外部收款页面的时候通过预先训练的页面元素识别模型，来确定外部收款页面中每个可交互页面元素的含义；也可以预先针对市场上的所有外部收款页面，加载后截图，并通过上述的机器学习方法来解析外部收款页面中每个可交互页面元素含义的过程，完成后将解析结果存储起来，这种情况下，步骤109可以根据预先存储的针对不同外部收款页面的解析结果进行支付金额的输入，这样每次加载外部收款页面的时候就不用再费时进行外部收款页面的解析，提升了处理速度。具体而言，步骤109可以包括：根据预先存储的外部收款页面的解析结果，确定所述外部收款页面中每个可交互页面元素的含义；确定输入所述支付金额所需点击的页面元素的位置及点击顺序，并按照确定的点击顺序来输入支付金额；若所述外部收款页面上显示的已输入支付金额与所述支付金额相同，则点击所述外部收款页面的表征确定的页面元素，以模拟用户的确定操作。此外，外部收款页面可能发生更新，因此代理服务端可以设置定时任务，定时监控外部收款页面是否发生变化，在发生变化后，重新确定外部收款页面中每个可交互页面元素的含义，以防止输入的支付金额信息是错误的。
此外，对于某些电子钱包和某些外部收款码提供方的交互过程来说，并不是发送支付请求后，就能获得支付确认消息，这个过程往往是，输入支付金额并通过外部收款页面发送支付请求后，外部收款码提供方通过外部收款页面返回订单标识信息，服务端调用订单标识信息解析接口进行解析，以从外部收款码提供方服务端获取订单信息(支付确认消息)，本说明书所提供的方法也能应用于这种场景中。具体而言，由代理服务端通过外部收款页面发送支付请求后，拦截返回的订单标识信息，调用订单标识信息解析接口，以从外部收款码提供方服务端获取到订单信息。
步骤111，代理服务端获得外部收款码提供方响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
由于支付确认需要用户的参与，所以在获取到外部收款码提供方服务端发送的支付确认消息后，需要将支付确认消息再发送至钱包客户端，以使得钱包客户端提示用户完 成支付。
此外，除了选择由代理服务端来模拟钱包客户端加载外部收款页面完成与外部收款码提供方的交互之外，还可以是电子钱包与第三方服务端会进行合作。这种情况下，第三方服务端会提供软件开发工具包(Software Development Kit，SDK)，提供的SDK用于加载外部收款页面，并负责与外部收款码提供方进行交互。以一个电子钱包与一个收单机构为例，具体的交互过程如图2所示，用户扫描收单机构提供的收款码，钱包客户端利用集成的SDK针对外部收款页面，按照外部收款页面所要求的交互方式进行加载，用户在加载的外部收款页面中输入金额并确认，确认后收单机构通过外部收款页面返回订单标识信息，SDK在获取到订单标识信息后，调用代理服务端来解析订单标识信息，代理服务端从收单机构来获取订单信息，并将订单信息转发给钱包客户端，以提示用户完成支付。但是该方法无法很好适配于电子钱包不允许加载外部页面的场景。
通过上述方法，使得钱包客户端无需加载外部收款页面，电子钱包无需适配与外部收款页面的交互逻辑，使得电子钱包可以更好地开拓新市场。相较于钱包客户端通过第三方SDK来适配与外部收款页面的交互逻辑的方法，钱包客户端无需为集成第三方SDK，也节省了钱包客户端的集成工作量。对于用户而言，相较于通过调用代理服务端来解码订单标识信息以获取订单信息的方式，本申请中由代理服务端代理整个交互过程，减少了钱包客户端发起的调用，整个支付过程的速度得到了提升，提升了用户的使用体验；此外，用户仍然能使用原有的扫码支付方法来完成支付，用户无需为此适配做出改变。
接下来，将通过一具体实施例来说明本说明书提供的扫码支付方法。
假设泰国的某一电子钱包A想要拓展海外市场(比如日本市场)，以使得该钱包客户端的用户去日本旅游也能使用本土的电子钱包，以提升A钱包客户端的用户体验。那么该电子钱包A需要和日本的多个外部收款码提供方合作，需要适应多个外部收款页面的交互逻辑，为了减少开发工作量，该电子钱包A选择和代理服务端合作，由代理服务端来代理交互过程。
以A钱包客户端扫描收单机构B提供的收款码为例，如图3所示，整个交互过程具体来说，首先用户扫码，在钱包客户端确定扫描的码为代理服务端可以解析的外部收款码时，显示钱包客户端自身的外部收款页面(用于输入支付金额的页面)，通过外部收款页面接收到用户输入的支付金额，并将支付金额和外部收款码的信息发送给代理服务端；代理服务端根据接收到的外部收款码信息，确定该外部收款页面的交互方式以加载 外部收款页面，并根据预先存储的该外部收款页面的页面元素解析结果，自动地在外部收款页面中输入用户的支付金额并确认，进而获取到收单机构通过外部收款页面返回的订单标识信息，代理服务端根据外部收款码，从外部收款码提供方获取订单信息，并将获取到的订单信息转发给钱包客户端，以使得钱包客户端完成支付过程。
与前述扫码支付方法的实施例向对应，本说明书还提供了应用于代理服务端和应用于钱包客户端的扫码支付方法。
如图4所示，本说明书还提供一种扫码支付方法，利用代理服务端实现钱包客户端与收单机构之间的交互，所述代理服务端执行以下步骤：
步骤401，获得钱包客户端发送的外部收款码信息及支付金额信息；钱包客户端被预先配置为：扫描获得收单机构提供的外部收款码后，显示用于输入支付金额的交互接口，并通过所述交互接口接收用户输入的支付金额。
步骤403，对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面。
步骤405，根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向收单机构发送支付请求。
步骤407，获得收单机构响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
如图5所示，本说明书还提供一种扫码支付方法，利用代理服务端实现钱包客户端与收单机构之间的交互，钱包客户端执行以下步骤：步骤501，扫描获得收单机构提供的外部收款码，显示用于输入支付金额的交互接口。
步骤503，接收用户在所述交互接口输入的支付金额。
步骤505，将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端，以使代理服务端加载所述外部收款码对应的外部收款页面，并模拟用户进行支付金额输入操作及确认操作。
步骤507，获得代理服务端转发的支付确认消息，所述支付确认消息为收单机构响应于所述支付请求所发送的消息，并根据所述支付确认消息提示用户完成支付。
此外，本说明书实施例还提供一种扫码支付***，利用代理服务端实现钱包客户端与收单机构之间的交互，所述***包括钱包客户端和所述代理服务端；钱包客户端，执 行：扫描获得收单机构提供的外部收款码，显示用于输入支付金额的交互接口；接收用户在所述交互接口输入的支付金额；将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端。
代理服务端，执行：代理服务端对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面；根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向收单机构发送支付请求；获得收单机构响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
上述方法和***中各个步骤的作用的实现过程具体详见上述扫码支付方法中对应步骤的实现过程，在此不再赘述。
与前述扫码支付方法的实施例相对应，本说明书还提供扫码支付装置及其所应用的电子设备的实施例。
如图6所示，图6是本说明书根据一示例性实施例示出的一种扫码支付装置的框图，所述装置包括：信息获得模块610，用于获得钱包客户端发送的外部收款码信息及支付金额信息；钱包客户端被预先配置为：扫描获得收单机构提供的外部收款码后，显示用于输入支付金额的交互接口，并通过所述交互接口接收用户输入的支付金额。
页面加载模块620，用于对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面。
输入模块630，用于根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向收单机构发送支付请求。
支付消息转发模块640，用于获得收单机构响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
如图7所示，图7是本说明书根据一示例性实施例示出的一种扫码支付装置的框图，所述装置包括：交互接口显示模块710，用于扫描获得外部收款码，显示用于输入支付金额的交互接口。
支付金额接收模块720，用于接收用户在所述交互接口输入的支付金额。
信息发送模块730，用于将所述外部收款码的信息及所述支付金额的信息发送给所 述代理服务端，以使代理服务端加载所述外部收款码对应的外部收款页面，并模拟用户进行支付金额输入操作及确认操作。
支付确认消息获得模块740，用于获得代理服务端转发的支付确认消息，所述支付确认消息为收单机构响应于所述支付请求所发送的消息，并根据所述支付确认消息提示用户完成支付。
上述任一扫码支付装置中各个模块的功能和作用的实现过程具体详见上述方法中对应步骤的实现过程，在此不再赘述。
对于装置实施例而言，由于其基本对应于方法实施例，所以相关之处参见方法实施例的部分说明即可。以上所描述的装置实施例仅仅是示意性的，其中所述作为分离部件说明的模块可以是或者也可以不是物理上分开的，作为模块显示的部件可以是或者也可以不是物理模块，即可以位于一个地方，或者也可以分布到多个网络模块上。可以根据实际的需要选择其中的部分或者全部模块来实现本说明书方案的目的。本领域普通技术人员在不付出创造性劳动的情况下，即可以理解并实施。
如图8所示，图8示出了实施例扫码支付装置所在电子设备的一种硬件结构图，该扫码支付装置可以是上述的任一扫码支付装置，对应的该设备上可以安装钱包客户端或者安装代理服务端。该设备可以包括：处理器1010、存储器1020、输入/输出接口1030、通信接口1040和总线1050。其中处理器1010、存储器1020、输入/输出接口1030和通信接口1040通过总线1050实现彼此之间在设备内部的通信连接。
处理器1010可以采用通用的CPU(Central Processing Unit，中央处理器)、微处理器、应用专用集成电路(Application Specific Integrated Circuit，ASIC)、或者一个或多个集成电路等方式实现，用于执行相关程序，以实现本说明书实施例所提供的技术方案。
存储器1020可以采用ROM(Read Only Memory，只读存储器)、RAM(Random Access Memory，随机存取存储器)、静态存储设备，动态存储设备等形式实现。存储器1020可以存储操作***和其他应用程序，在通过软件或者固件来实现本说明书实施例所提供的技术方案时，相关的程序代码保存在存储器1020中，并由处理器1010来调用执行。
输入/输出接口1030用于连接输入/输出模块，以实现信息输入及输出。输入输出/模块可以作为组件配置在设备中(图中未示出)，也可以外接于设备以提供相应功能。其中输入设备可以包括键盘、鼠标、触摸屏、麦克风、各类传感器等，输出设备可以包括显示器、扬声器、振动器、指示灯等。
通信接口1040用于连接通信模块(图中未示出)，以实现本设备与其他设备的通信交互。其中通信模块可以通过有线方式(例如USB、网线等)实现通信，也可以通过无线方式(例如移动网络、WIFI、蓝牙等)实现通信。
总线1050包括一通路，在设备的各个组件(例如处理器1010、存储器1020、输入/输出接口1030和通信接口1040)之间传输信息。
需要说明的是，尽管上述设备仅示出了处理器1010、存储器1020、输入/输出接口1030、通信接口1040以及总线1050，但是在具体实施过程中，该设备还可以包括实现正常运行所必需的其他组件。此外，本领域的技术人员可以理解的是，上述设备中也可以仅包含实现本说明书实施例方案所必需的组件，而不必包含图中所示的全部组件。
本说明书实施例还提供一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时实现如本说明书实施例第二方面或第三方面所述的扫码支付方法。换言之，该计算机可读存储介质上可以存储代理服务端对应的计算机程序，也可以存储钱包客户端对应的计算机程序。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还 包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。

Claims (10)

  1. 一种扫码支付方法，利用代理服务端实现钱包客户端与外部收款页面之间的交互，所述方法包括：
    钱包客户端扫描获得外部收款码，显示用于输入支付金额的交互接口；
    接收用户在所述交互接口输入的支付金额；
    将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端；
    所述代理服务端对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面；
    所述代理服务端根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向外部收款码的提供方发送支付请求；
    获得外部收款码的提供方响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
  2. 根据权利要求1所述方法，所述钱包客户端扫描获得外部收款码，显示用于输入支付金额的交互接口，包括：
    钱包客户端扫描获得外部收款码，向所述代理服务端发送包括所述外部收款码的信息的查询请求；
    所述代理服务端在所述外部收款码的信息能被解析的情况下，向钱包客户端发送查询成功消息；
    钱包客户端响应于所述查询成功信息，显示用于输入支付金额的交互接口。
  3. 根据权利要求1所述方法，所述根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，包括：
    根据预先存储的外部收款页面的解析结果，确定所述外部收款页面中每个可交互页面元素的含义；
    确定输入所述支付金额所需点击的页面元素的位置及点击顺序，并按照确定的点击顺序来输入支付金额；
    若所述外部收款页面上显示的已输入支付金额与所述支付金额相同，则点击所述外部收款页面的表征确定的页面元素，以模拟用户的确定操作。
  4. 一种扫码支付方法，利用代理服务端实现钱包客户端与外部收款页面之间的交互，所述代理服务端执行：
    获得钱包客户端发送的外部收款码信息及支付金额信息；钱包客户端被预先配置为：扫描获得外部收款码后，显示用于输入支付金额的交互接口，并通过所述交互接口接收 用户输入的支付金额；
    对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面；
    根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向外部收款码的提供方发送支付请求；
    获得外部收款码的提供方响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
  5. 一种扫码支付方法，利用代理服务端实现钱包客户端与外部收款页面之间的交互，钱包客户端执行：
    扫描获得外部收款码，显示用于输入支付金额的交互接口；
    接收用户在所述交互接口输入的支付金额；
    将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端，以使代理服务端加载所述外部收款码对应的外部收款页面，并模拟用户进行支付金额输入操作及确认操作；
    获得代理服务端转发的支付确认消息，所述支付确认消息为外部收款码的提供方响应于所述支付请求所发送的消息，并根据所述支付确认消息提示用户完成支付。
  6. 一种扫码支付装置，利用代理服务端实现钱包客户端与外部收款页面之间的交互，应用于所述代理服务端，所述装置包括：
    信息获得模块，用于获得钱包客户端发送的外部收款码信息及支付金额信息；钱包客户端被预先配置为：扫描获得外部收款码后，显示用于输入支付金额的交互接口，并通过所述交互接口接收用户输入的支付金额；
    页面加载模块，用于对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面；
    输入模块，用于根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向外部收款码的提供方发送支付请求；
    支付消息转发模块，用于获得外部收款码的提供方响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
  7. 一种扫码支付装置，利用代理服务端实现钱包客户端与外部收款页面之间的交互，应用于钱包客户端，所述装置包括：
    交互接口显示模块，用于扫描获得外部收款码，显示用于输入支付金额的交互接口；
    支付金额接收模块，用于接收用户在所述交互接口输入的支付金额；
    信息发送模块，用于将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端，以使代理服务端加载所述外部收款码对应的外部收款页面，并模拟用户进行支付金额输入操作及确认操作；
    支付确认消息获得模块，用于获得代理服务端转发的支付确认消息，所述支付确认消息为外部收款码的提供方响应于所述支付请求所发送的消息，并根据所述支付确认消息提示用户完成支付。
  8. 一种扫码支付***，利用代理服务端实现钱包客户端与外部收款页面之间的交互，所述***包括钱包客户端和所述代理服务端；
    钱包客户端，执行：扫描获得外部收款码，显示用于输入支付金额的交互接口；接收用户在所述交互接口输入的支付金额；将所述外部收款码的信息及所述支付金额的信息发送给所述代理服务端；
    代理服务端，执行：代理服务端对接收到的外部收款码信息进行解析，根据解析结果加载所述外部收款码对应的外部收款页面；根据所接收到的支付金额信息，在所加载的外部收款页面中，模拟用户进行支付金额输入操作及确认操作，以向外部收款码的提供方发送支付请求；获得外部收款码的提供方响应于所述支付请求的支付确认消息，并将所述支付确认消息转发至钱包客户端，以使得钱包客户端根据所述支付确认消息提示用户完成支付。
  9. 一种电子设备，包括：
    处理器；
    用于存储处理器可执行指令的存储器；
    其中，所述处理器通过运行所述可执行指令以实现如权利要求4-5中任一项所述的扫码支付方法。
  10. 一种计算机可读存储介质，存储有计算机指令，所述计算机指令被处理器执行时实现如权利要求4-5中任一项所述的扫码支付方法。
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