CN103903336A - Card-swiping payment method, card-swiping payment system, merchant client side and payment server - Google Patents
Card-swiping payment method, card-swiping payment system, merchant client side and payment server Download PDFInfo
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- CN103903336A CN103903336A CN201410120844.XA CN201410120844A CN103903336A CN 103903336 A CN103903336 A CN 103903336A CN 201410120844 A CN201410120844 A CN 201410120844A CN 103903336 A CN103903336 A CN 103903336A
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Abstract
The invention is applicable to the field of electronic payment, and provides a card-swiping payment method, a card-swiping payment system, a merchant client side and a payment server. The method includes that the merchant client side sends card information of a user card to the payment server; the payment server generates payment request information according to transaction payment information, and sends the payment request information to the merchant client side; the merchant client side displays the payment request information or sends the payment request information to a mobile device of a consumer; the mobile device of the consumer opens a corresponding page according to the payment request information, receives a user card password input by the consumer through the page and sends the user card password to the payment server; the payment server processes payment data according to the card information and the user card password, and sends a processing result to the merchant client side. By the card-swiping payment method, the card-swiping payment system, the merchant client side and the payment server, the user card password input by the consumer can be ensured not to be stolen by software maliciously implanted by the merchant client side, so that safety of the user card password is guaranteed.
Description
Technical field
The invention belongs to E-Payment field, relate in particular to one swipe the card method of payment, system and trade company's client and paying server.
Background technology
At present, user buys after commodity from trade company's hand, especially carries out, after large sums of shopping, can selecting the payment of swiping the card.
Swiping the card in the process paying, all can require to input the password of subscriber card.But, now, be generally the input of carrying out subscriber card password in trade company's client.The input mode of this subscriber card password can cause a kind of potential safety hazard, implants as malice in trade company's client the software that obtains data, just can illegally obtain the password of subscriber card.
Summary of the invention
The embodiment of the present invention provides one swipe the card method of payment, system and trade company's client and paying server, and the method for payment of swiping the card that being intended to solve prior art provides exists the problem of potential safety hazard.
On the one hand, provide the one method of payment of swiping the card, described method comprises:
Trade company's client sends the card information of subscriber card to paying server;
Paying server is according to transaction payment Information generation payment request information, and sends described payment request information to trade company's client;
Trade company's client shows described payment request information or sends described payment request information to consumer's mobile device;
Consumer's mobile device is opened the corresponding page according to described payment request information, receives the subscriber card password of consumer's input, and send described subscriber card password to paying server by the described page;
Paying server carries out payment data processing according to described card information and described subscriber card password, and sends result to trade company's client.
Further, described payment request information is according to the Quick Response Code of described transaction payment Information generation; Or
Described payment request information is the data that can correctly resolve according to the consumer's mobile device that meets default form of described transaction payment Information generation.
Further, described payment request information comprises a webpage link address, and the page corresponding with described webpage link address comprises transaction payment information and Password Input region.
On the other hand, provide a kind of trade company client, described trade company client comprises:
Card information transmitting element, for the card information that sends subscriber card to paying server, with by described paying server according to transaction payment Information generation payment request information;
Payment request information receiving element, for receiving described payment request information;
Payment request information processing unit, be used for showing described payment request information or send described payment request information to consumer's mobile device, to open the corresponding page by consumer's mobile device according to described payment request information, receive the subscriber card password of consumer's input by the described page, and send described subscriber card password to paying server, then carry out payment data processing by paying server according to described card information and described subscriber card password, generate result;
Result receiving element, the result sending for receiving paying server.
Further, described payment request information is according to the Quick Response Code of described transaction payment Information generation; Or
Described payment request information is the data that can correctly resolve according to the consumer's mobile device that meets default form of described transaction payment Information generation.
Further, described payment request information comprises a webpage link address, and the page corresponding with described webpage link address comprises transaction payment information and Password Input region.
Another aspect, provides a kind of paying server, and described paying server comprises:
Card information receiving element, for receiving the card information of the subscriber card that trade company client sends;
Payment request information transmitting element, be used for according to transaction payment Information generation payment request information, and send described payment request information to trade company's client, to be shown described payment request information by trade company's client or to send described payment request information to consumer's mobile device, then open the corresponding page by consumer's mobile device according to described payment request information, receive the subscriber card password of consumer's input by the described page, and send described subscriber card password to paying server;
Password receiving element, for receiving described subscriber card password;
Payment processes unit, for carrying out payment data processing according to described card information and described subscriber card password, and sends result to trade company's client.
Further, described payment request information is according to the Quick Response Code of described transaction payment Information generation; Or
Described payment request information is the data that can correctly resolve according to the consumer's mobile device that meets default form of described transaction payment Information generation.
Further, described payment request information comprises a webpage link address, and the page corresponding with described webpage link address comprises transaction payment information and Password Input region.
Again on the one hand, the one payment system of swiping the card is provided, the described payment system of swiping the card comprises consumer's mobile device, trade company as above client, also comprise paying server as above, described trade company client is all connected by internet with described paying server with described consumer's mobile device.
In the embodiment of the present invention, realize and swiping the card while paying in trade company client consumer, consumer only need be in the operation of swiping the card of trade company's client, and the input of subscriber card password is to input in consumer's consumption mobile device, can guarantee that the software that subscriber card password that consumer inputs is not implanted by trade company's client malice steals, thereby guarantee the security of subscriber card password.
Accompanying drawing explanation
Fig. 1 is the realization flow figure of the method for payment of swiping the card that provides of the embodiment of the present invention one;
Fig. 2 is the structured flowchart of trade company's client of providing of the embodiment of the present invention two;
Fig. 3 is the structured flowchart of the paying server that provides of the embodiment of the present invention three;
Fig. 4 is the structured flowchart of the payment system of swiping the card that provides of the embodiment of the present invention four.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
In embodiments of the present invention, the card information that trade company's client sends subscriber card is to paying server; Paying server is according to transaction payment Information generation payment request information, and sends described payment request information to trade company's client; Trade company's client shows described payment request information or sends described payment request information to consumer's mobile device; Consumer's mobile device is opened the corresponding page according to described payment request information, receives the subscriber card password of consumer's input, and send described subscriber card password to paying server by the described page; Paying server carries out payment data processing according to described card information and described subscriber card password, and sends result to trade company's client.
Below in conjunction with specific embodiment, realization of the present invention is described in detail:
Embodiment mono-
Fig. 1 shows the interaction flow of the method for payment of swiping the card that the embodiment of the present invention one provides, and details are as follows:
The card information that step 1, trade company's client send subscriber card is to paying server.
In embodiments of the present invention, consumer swipes the card after operation on the card reader of trade company's client, and the card information of subscriber card is read in the operation of swiping the card of the subscriber card that trade company's client is held according to consumer, and described card information is sent to paying server.
Wherein, card information comprises the information such as card number, user name of subscriber card.
Wherein, described subscriber card can be bank card, can be also other consumption card that can be identified by card reader, stores card number, user name etc. and can identify the customer identification information of user identity in card.
Wherein, the built-in or external card reader of trade company's client.
Wherein, trade company's client is networked and is connected by words with paying server.
In embodiments of the present invention, paying server receives after the card information of subscriber card, according to transaction payment Information generation payment request information.
Wherein, transaction payment information is generated by paying server.Before user card punching, sent the request that generates transaction payment information to paying server according to consumer's consumption demand by trade company's client, paying server generates transaction payment information according to the request of described transaction payment information.
Described transaction payment information comprises the information such as order number, payment.
Described payment request information can be according to the Quick Response Code of described transaction payment Information generation, also can be the data that can correctly resolve according to the consumer's mobile device that meets default form of described transaction payment Information generation, such as the data of the forms such as note, mail or micro-letter, do not limit at this.
Wherein, when described payment request information is the data of the forms such as note, mail or micro-letter, trade company's client must keep Internet to be connected with consumer's mobile device, preferably, described trade company client is a mobile device, such as, smart mobile phone, is connected by mobile network between this trade company's client and consumer's mobile device.
Concrete, described payment request information comprises a webpage link address, consumer's mobile device receives after described payment request information, can open the page corresponding with this webpage link address, this page comprises transaction payment information and Password Input region, consumer can input in Password Input region corresponding subscriber card password, and sends described subscriber card password to paying server.
Further, after consumer's mobile device is encrypted described subscriber card password, then send to paying server.
In embodiments of the present invention, if described payment request information is Quick Response Code, on the display screen of trade company's client, show described Quick Response Code; If described payment request information is the data that consumer's mobile device of default form can correctly be resolved, send described data to consumer's mobile device.Wherein, consumer's mobile device is the mobile terminal that the consumer that concludes the business with the trade company that holds trade company's client holds.
Wherein, between trade company's client and consumer's mobile device, connect by wireless network.
In embodiments of the present invention, consumer's mobile device can, by the Quick Response Code showing in scanning trade company client, be opened the page corresponding to webpage link address comprising with described payment request information; Also the data that can correctly resolve by reading consumer's mobile device of the default form that trade company client sends, open the page corresponding to webpage link address comprising with described payment request information.Open after the page, consumer inputs in the Password Input region in the page after corresponding subscriber card password, and consumer's mobile device sends described subscriber card password to paying server.
Step 5, paying server carry out payment data processing according to described card information and described subscriber card password, and send result to trade company's client.
In embodiments of the present invention, paying server receives after the subscriber card password of consumer's mobile device transmission, the card information of subscriber card and described subscriber card password are sent to bank data centers server, according to described card information, delivery operation is verified and completed to the correctness of described subscriber card password by bank data centers server, and send and pay successful information to paying server, finally forward described payment successful information to trade company's client by paying server.
The present embodiment, realize and swiping the card while paying in trade company client consumer, consumer only need be in the operation of swiping the card of trade company's client, and the input of subscriber card password is to input in consumer's consumption mobile device, can guarantee that the software that subscriber card password that consumer inputs is not implanted by trade company's client malice steals, thereby guarantee the security of subscriber card password.
One of ordinary skill in the art will appreciate that all or part of step realizing in the various embodiments described above method is can carry out the hardware that instruction is relevant by program to complete, corresponding program can be stored in a computer read/write memory medium, described storage medium, as ROM/RAM, disk or CD etc.
Embodiment bis-
Fig. 2 shows the concrete structure block diagram of trade company's client that the embodiment of the present invention two provides, and for convenience of explanation, only shows the part relevant to the embodiment of the present invention.This trade company's client 2 comprises: card information transmitting element 21, payment request information receiving element 22, payment request information processing unit 23 and result receiving element 24.
Wherein, card information transmitting element 21, for the card information that sends subscriber card to paying server, with by described paying server according to transaction payment Information generation payment request information;
Payment request information receiving element 22, for receiving described payment request information;
Payment request information processing unit 23, be used for showing described payment request information or send described payment request information to consumer's mobile device, to open the corresponding page by consumer's mobile device according to described payment request information, receive the subscriber card password of consumer's input by the described page, and send described subscriber card password to paying server, then carry out payment data processing by paying server according to described card information and described subscriber card password, generate result;
Result receiving element 24, the result sending for receiving paying server.
Concrete, described payment request information is according to the Quick Response Code of described transaction payment Information generation; Or
Described payment request information is the data that can correctly resolve according to the consumer's mobile device that meets default form of described transaction payment Information generation.
Concrete, described payment request information comprises a webpage link address, the page corresponding with described webpage link address comprises transaction payment information and Password Input region.
Trade company's client that the embodiment of the present invention provides can be applied in the embodiment of the method one of aforementioned correspondence, and details, referring to the description of above-described embodiment one, do not repeat them here.
Embodiment tri-
Fig. 3 shows the concrete structure block diagram of the paying server that the embodiment of the present invention two provides, and for convenience of explanation, only shows the part relevant to the embodiment of the present invention.This paying server 3 comprises: card information receiving element 31, payment request information transmitting element 32, password receiving element 33 and payment processes unit 34.
Wherein, card information receiving element 31, for receiving the card information of the subscriber card that trade company client sends;
Payment request information transmitting element 32, be used for according to transaction payment Information generation payment request information, and send described payment request information to trade company's client, to be shown described payment request information by trade company's client or to send described payment request information to consumer's mobile device, then open the corresponding page by consumer's mobile device according to described payment request information, receive the subscriber card password of consumer's input by the described page, and send described subscriber card password to paying server;
Concrete, described payment request information is according to the Quick Response Code of described transaction payment Information generation; Or
Described payment request information is the data that can correctly resolve according to the consumer's mobile device that meets default form of described transaction payment Information generation.
Concrete, described payment request information comprises a webpage link address, the page corresponding with described webpage link address comprises transaction payment information and Password Input region.
The paying server that the embodiment of the present invention provides can be applied in the embodiment of the method one of aforementioned correspondence, and details, referring to the description of above-described embodiment one, do not repeat them here.
Embodiment tetra-
Fig. 4 shows the concrete structure block diagram of the payment system of swiping the card that the embodiment of the present invention four provides, and for convenience of explanation, only shows the part relevant to the embodiment of the present invention.This payment system 4 of swiping the card comprises: consumer's mobile device 41, also comprise the paying server 3 described in the trade company's client 2 described in embodiment bis-and embodiment tri-, the equal and described paying server 3 of described trade company client 2, consumer's mobile device 41 is connected by internet.When payment request information is the data that can correctly resolve with consumer's mobile device 41 while sending to consumer's mobile device 41, between consumer's mobile device 41 and described trade company client 2, need to connect by wireless network.
It should be noted that in said system embodiment, included unit is just divided according to function logic, but is not limited to above-mentioned division, as long as can realize corresponding function; In addition, the concrete title of each functional unit also, just for the ease of mutual differentiation, is not limited to protection scope of the present invention.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any modifications of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.
Claims (10)
1. the method for payment of swiping the card, is characterized in that, described method comprises:
Trade company's client sends the card information of subscriber card to paying server;
Paying server is according to transaction payment Information generation payment request information, and sends described payment request information to trade company's client;
Trade company's client shows described payment request information or sends described payment request information to consumer's mobile device;
Consumer's mobile device is opened the corresponding page according to described payment request information, receives the subscriber card password of consumer's input, and send described subscriber card password to paying server by the described page;
Paying server carries out payment data processing according to described card information and described subscriber card password, and sends result to trade company's client.
2. the method for claim 1, is characterized in that, described payment request information is according to the Quick Response Code of described transaction payment Information generation; Or
Described payment request information is the data that can correctly resolve according to the consumer's mobile device that meets default form of described transaction payment Information generation.
3. method as claimed in claim 1 or 2, is characterized in that, described payment request information comprises a webpage link address, and the page corresponding with described webpage link address comprises transaction payment information and Password Input region.
4. trade company's client, is characterized in that, described trade company client comprises:
Card information transmitting element, for the card information that sends subscriber card to paying server, with by described paying server according to transaction payment Information generation payment request information;
Payment request information receiving element, for receiving described payment request information;
Payment request information processing unit, be used for showing described payment request information or send described payment request information to consumer's mobile device, to open the corresponding page by consumer's mobile device according to described payment request information, receive the subscriber card password of consumer's input by the described page, and send described subscriber card password to paying server, then carry out payment data processing by paying server according to described card information and described subscriber card password, generate result;
Result receiving element, the result sending for receiving paying server.
5. trade company as claimed in claim 4 client, is characterized in that, described payment request information is according to the Quick Response Code of described transaction payment Information generation; Or
Described payment request information is the data that can correctly resolve according to the consumer's mobile device that meets default form of described transaction payment Information generation.
6. the trade company's client as described in claim 4 or 5, is characterized in that, described payment request information comprises a webpage link address, and the page corresponding with described webpage link address comprises transaction payment information and Password Input region.
7. a paying server, is characterized in that, described paying server comprises:
Card information receiving element, for receiving the card information of the subscriber card that trade company client sends;
Payment request information transmitting element, be used for according to transaction payment Information generation payment request information, and send described payment request information to trade company's client, to be shown described payment request information by trade company's client or to send described payment request information to consumer's mobile device, then open the corresponding page by consumer's mobile device according to described payment request information, receive the subscriber card password of consumer's input by the described page, and send described subscriber card password to paying server;
Password receiving element, for receiving described subscriber card password;
Payment processes unit, for carrying out payment data processing according to described card information and described subscriber card password, and sends result to trade company's client.
8. paying server as claimed in claim 7, is characterized in that, described payment request information is according to the Quick Response Code of described transaction payment Information generation; Or
Described payment request information is the data that can correctly resolve according to the consumer's mobile device that meets default form of described transaction payment Information generation.
9. paying server as claimed in claim 7 or 8, is characterized in that, described payment request information comprises a webpage link address, and the page corresponding with described webpage link address comprises transaction payment information and Password Input region.
10. the payment system of swiping the card, it is characterized in that, the described payment system of swiping the card comprises consumer's mobile device, trade company's client as described in claim 4 to 6 any one, also comprise the paying server as described in claim 7 to 9 any one, described trade company client is all connected by internet with described paying server with described consumer's mobile device.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410120844.XA CN103903336A (en) | 2014-03-27 | 2014-03-27 | Card-swiping payment method, card-swiping payment system, merchant client side and payment server |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410120844.XA CN103903336A (en) | 2014-03-27 | 2014-03-27 | Card-swiping payment method, card-swiping payment system, merchant client side and payment server |
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| CN103903336A true CN103903336A (en) | 2014-07-02 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201410120844.XA Pending CN103903336A (en) | 2014-03-27 | 2014-03-27 | Card-swiping payment method, card-swiping payment system, merchant client side and payment server |
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Cited By (2)
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| CN112686664A (en) * | 2020-12-28 | 2021-04-20 | 湖北盒伙人信息科技有限公司 | Wireless terminal payment platform and payment method |
| CN113298518A (en) * | 2020-07-24 | 2021-08-24 | 阿里巴巴集团控股有限公司 | Data processing method and device |
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Application publication date: 20140702 |