CN106529918A - Network payment technology channel management system for Unicom subscribers, merchants and third party payment channels - Google Patents
Network payment technology channel management system for Unicom subscribers, merchants and third party payment channels Download PDFInfo
- Publication number
- CN106529918A CN106529918A CN201610914441.1A CN201610914441A CN106529918A CN 106529918 A CN106529918 A CN 106529918A CN 201610914441 A CN201610914441 A CN 201610914441A CN 106529918 A CN106529918 A CN 106529918A
- Authority
- CN
- China
- Prior art keywords
- pos
- payment
- module
- businessman
- party
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- 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
- G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
-
- 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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The present invention proposes a network payment technology channel management system for Unicom subscribers, merchants and third party payment channels. According to the system of the invention, network payment technology channels and related management platforms which can effectively communicate with and integrate merchants, final payment subscribers and third party payment channels are established; registration and management functions of the identities of the merchants and a plurality of types of POS terminals belonging to the merchants can be provided; intermediate interfaces for the third-party payment channels can be provided; and therefore, based on the system, the real-time settlement can be carried out between the merchants and the subscribers through the third-party payment channels. The system support a variety of third-party channels, has the advantages of wide range of payment channels and payment terminals and high compatibility in payment means, and can adapt to a variety of scenes under network payment applications.
Description
Technical field
The present invention relates to network payment technical field, more particularly to a kind of UNICOM user, businessman and Third-party payment passage
Network payment technology channel management system.
Background technology
Currently, the pending payment for producing for the consumption such as shopping, food and drink activity carries out barcode scanning payment, because have convenient, safety,
Easy characteristic, has become the means of payment extensively welcome by user and businessman.Barcode scanning pay by Alipay, wechat pay,
The payment function of the Third-party payment passages such as Jingdone district wallet, Baidu's wallet, Unionpay's platform is realized；The user of payment and the business of gathering
Family opens an account on Third-party payment passage, completes so as to be transferred by the amount of money between account on Third-party payment passage
Payment transaction.Barcode scanning, NFC, audio frequency, video be gather Third-party payment passage on carry out pay institute must information efficient tool
Body operational means, including businessman master sweeps and sweeps both of which with householder.During businessman master sweeps, Third-party payment is opened by user
Client end AP P of the passage in the terminals such as smart mobile phone, shows payment Quick Response Code or bar code, takes in the Quick Response Code or bar code
Information necessary to pay with user account etc.；The payment Quick Response Code or bar shaped are scanned using itself special code reader in businessman
Code, and the pending payment amount of money is input into, transaction request is submitted to into Third-party payment passage then, and then on Third-party payment passage
Carry out this amount of money transferring from user account to Merchant ID.With in the inswept journey of householder, businessman is using special or compatible barcode scanning
Display device show gathering Quick Response Code or bar code, wherein carrying disbursement letter necessary to Merchant ID, pending payment amount of money etc.
Breath；User opens client end AP P of the Third-party payment passage in the terminals such as smart mobile phone, the barcode scanning gathering Quick Response Code or bar shaped
Then transaction request is submitted to Third-party payment passage by code, is transferred by the amount of money between account on Third-party payment passage and complete
Into payment transaction.
Existing barcode scanning pays the problem for existing：First, user uses various types of Third-party payment passage,
Including but not limited to Alipay, wechat payment, Jingdone district wallet, Baidu's wallet, Unionpay's platform etc.；And businessman will compatible so species
Numerous Third-party payment passages, thus the Third-party payment consistent with user will be logged into when each barcode scanning pays and is led to
Road, it is therefore desirable to frequently switch between various Third-party payment passages, convenience is very poor.And, businessman is needed for each
Plant the self-built software and hardware for adapting to the passage barcode scanning trading rules of Third-party payment passage to support, it is easy to cause cost to increase.
While realizing payment function, businessman can only utilize the limited payment data that each Third-party payment passage is provided to register and locate
Reason ability carries out the operation such as payment management, report form statistics, it is difficult to meet the real needs of businessman.
The content of the invention
In view of problem above present in above-mentioned prior art, a kind of UNICOM user of present invention proposition, businessman and third party
The network payment technology channel management system of payment channel.The present invention establish can effectively UNICOM and integrate businessman, final
The network payment technology channel and the management platform of correlation of user and Third-party payment passage are paid, businessman can be provided for businessman
Identity and the under one's name registration of polytype POS terminal and management function, and provide towards in Third-party payment passage indirectly
Mouthful, allowing users to realize carrying out real time settlement with businessman by Third-party payment passage by the system, the system is supported many
Third party's channel is planted, with the compatibility in extensive payment channel, payment terminal and means of payment, is suitable under various scenes
Network payment application.
The invention provides the network payment technology channel management system of a kind of UNICOM user, businessman and Third-party payment passage
System, it is characterised in that include：POS terminal interface module, high in the clouds pos interface module, on-line transaction module, distributed message mould
Block, service management module, authority management module, AIM and settle accounts calculation module；Wherein,
POS terminal interface module is realized paying the transmitting-receiving of related data for communicating with POS equipment；
Pos interface module in high in the clouds is used to be communicated with virtual POS equipment by network, the transmitting-receiving of realization payment related data with
And the transmitting-receiving of businessman's custom service related data；
On-line transaction module connects POS terminal interface module and high in the clouds pos interface module, and by network connection to multiple types
The Third-party payment passage of type, for obtaining payment related data from POS terminal interface module and high in the clouds pos interface module, and
Third-party payment transactional operation is realized with corresponding Third-party payment passage based on related data is paid；Handed over according to Third-party payment
Easy-operating situation, will pay related data and is set to POS by POS terminal interface module and high in the clouds pos interface module feedback
Standby or virtual POS equipment；On-line transaction module generates pay invoice data for the transactional operation of Third-party payment passage, and
And pass through message flow by pay invoice data-pushing distributed message module；
Distributed message module is used to carry out the message flow transmitting-receiving process between on-line transaction module and service management module；
Service management module is used for the registration and management for realizing businessman and its POS terminal, the process of pay invoice and system fortune
Battalion's condition monitoring；
Authority management module is used to realize the management to businessman's authority with configuration；
AIM belongs to fixation or the mobile terminal device of businessman for connection, so as to realize the self-service management of businessman with
Configuration operation；
Settle accounts calculation module is used to realize clearing statement systematic function and pays the statistical function of related data.
Preferably, the AIM is for the registration request to service management module proposition businessman, business pipe
Reason module response registration request, the businessman to filing a request realize pre-registration operation with registration operation；Under pre-registration states, record
Enter businessman's Back ground Information；When subscription request is submitted to service management module by AIM by businessman and audits by it
Afterwards, service management module makes merchant state be converted to login state.
Preferably, to service management module, authority management module is for proposing that Third-party payment passage authority configuration please
Ask, so as to the service authority of Third-party payment passage is configured for the businessman under login state.
Preferably, the service management module is registered and service authority for uploading plan to Third-party payment passage
The sub- Business Information opened, receives return message of the Third-party payment passage examination ＆ verification by backward service management module；According to
The message that the examination ＆ verification that tripartite's payment channel is returned passes through, antithetical phrase businessman are checked the confirmation for passing through, and the confirmation message is passed
It is defeated by Third-party payment passage；Obtain and derive sub- merchant registration is produced on Third-party payment passage sub- Merchant ID, password, close
The sub- merchant registration information such as key；Sub- Merchant ID, encrypted message are sent to into the terminal of sub- businessman.
Preferably, the service management module also receive Third-party payment passage transmission sub- businessman real-name authentication and
Receiving bank's account information, after examination ＆ verification passes through, by Third-party payment passage to sub- merchant feedback auditing result.
Preferably, POS terminal interface module be used for receive POS equipment upload itself belonging to sub- Merchant ID and its door
Shop number, and POS numbering；According to the above- mentioned information that POS equipment or virtual POS equipment are uploaded, on-line transaction module and industry
Business management module performs the registration to POS terminal；Also, by POS terminal interface module to POS device transmission for download
Driver.
Preferably, pos interface module in high in the clouds provides available for download with barcode scanning function to the equipment of sub- businessman
The third party device of sub- businessman is registered as virtual POS in on-line transaction module and service management module by installing APP by APP
Equipment；The third party device of sub- businessman can realize businessman's custom service, and high in the clouds pos interface module receives the third party of sub- businessman
Equipment send the request of data for realizing businessman's custom service, and high in the clouds pos interface module according to the request to sub- businessman
The related data of third party device transmission businessman custom service.
Preferably, the POS equipment or the virtual POS equipment input pending payment amount of money, then scan pending payment and use
The payment Quick Response Code at family or bar code；POS equipment or virtual POS equipment are from the middle of the payment Quick Response Code or bar code of user
Extract the identity of Third-party payment channel type and payment user, and combine POS equipment or virtual POS equipment from
The sub- Merchant ID of body subordinate, POS terminal numbering, the pending payment amount of money, generate and pay related data, be transferred to POS terminal interface mould
Block or high in the clouds pos interface module；POS terminal interface module or high in the clouds pos interface module are supplied to related data is paid
On-line transaction module；On-line transaction module generates a pay invoice for this payment, and recognizes that this pays for adopting
Tripartite's payment channel, will be completed this information required for paying on Third-party payment passage and is sent out by the on-line transaction module
Give Third-party payment passage；On-line transaction module receives the feedback message that transaction is completed, and the feedback that transaction is completed is disappeared
The POS equipment or virtual POS that breath is pushed to sub- businessman by POS terminal interface module or high in the clouds pos interface module sets
It is standby, successfully pointed out with showing on the terminal to pay.
Preferably, the POS equipment or the virtual POS equipment input pending payment amount of money；By POS terminal interface mould
The payment related informations such as sub- Merchant ID, POS terminal numbering, the pending payment amount of money are supplied to connection by block or high in the clouds pos interface module
Machine transaction modules；On-line transaction module generates a pay invoice for this payment, and will realize on Third-party payment passage
Information required for gathering is supplied to Third-party payment passage；On-line transaction module is generated from Third-party payment channel reception and is collected money
The feedback information of Quick Response Code, by POS terminal interface module or high in the clouds pos interface module to POS equipment or virtual POS
The device transmission feedback information, so as to Quick Response Code is generated on the display interface of POS terminal, for pending payment user's barcode scanning；It is online
The feedback message that transaction modules are completed from the transaction of Third-party payment channel reception, and the feedback message that transaction is completed is passed through
POS terminal interface module or high in the clouds pos interface module are pushed to the POS terminal of sub- businessman, to show payment on the terminal
Successfully point out.
Preferably, on-line transaction module by pay invoice related pay invoice numbering, sub- Merchant ID and its shops number,
The POS numbering amount of money passes to service management module in the form of message flow by distributed message module；Service management module
The pay invoice can be stored, managed and processed.
It can be seen that, the system establishes the maincenter between user and Third-party payment passage, provides various for businessman
The one-stop access scheme of delivery operation is realized under tripartite's payment channel, have compressed on the line of the self-built payment channel of businessman technology and
Time cost puts into, and the ability of merchant service client is strengthened at double, while providing pay invoice on complete line for businessman
The functions such as management, POS registrations, financial receipt on account statistics, authority configuration management.
Figure of description
Fig. 1 is the network payment technology channel management system overall architecture schematic diagram of the preferred embodiment of the present invention；
Fig. 2 is the function composition schematic diagram of the network payment technology channel management system of the preferred embodiment of the present invention.
Specific embodiment
Below by embodiment, technical scheme is described in further detail.
Fig. 1 is the network payment technology channel management system of UNICOM user of the present invention, businessman and Third-party payment passage
The overall architecture of system.As shown in figure 1, the system includes：It is POS terminal interface module 101, high in the clouds pos interface module 102, online
Transaction modules 103, distributed message module 104, service management module 105, authority management module 106, AIM 107
And settle accounts calculation module 108.
POS terminal interface module 101 for positioned at the system front end the intelligent POS 2 for possessing barcode scanning function or
It is that the common POS 2 of compatible barcode scanning function is communicated, so as to realize the system and between the POS equipment of businessman
Pay the transmitting-receiving of related data.
High in the clouds pos interface module 102 is realized paying related data for communicating with virtual POS equipment 2 by network
Transmitting-receiving, and/or the transmitting-receiving of businessman's custom service related data.Virtual POS equipment 2 can include for example being mounted with barcode scanning function
The third party devices such as the smart mobile phone of APP, substitute the work(in terms of special POS realizes barcode scanning cash register under some application scenarios
Energy.High in the clouds backstage of the high in the clouds pos interface module 102 as these virtual POS equipment 2, is these amateurish virtual POS equipment
Support there is provided function.Also, virtual POS equipment 2 is realized based on software, thus high in the clouds pos interface module 102 and virtual POS
Data transmission that the data transmission and content that equipment 2 is supported therebetween is supported than conventional POS terminal and interior
Hold and enrich, on this basis, it is possible to achieve the businessman custom service related to payment.For example, businessman can be in the common base for paying
The preferential of itself or integration are superimposed on plinth, as businessman's custom service；High in the clouds pos interface module 102 receives the 3rd of sub- businessman
Method, apparatus send the request of data for realizing businessman's custom service, and high in the clouds pos interface module according to the request to sub- businessman
Third party device transmission businessman custom service related data.
On-line transaction module 103 on the one hand connection POS terminal interface module 101 and high in the clouds pos interface module 102, it is another
Aspect is connected to polytype Third-party payment passage 3（Such as payment of Alipay, wechat, Jingdone district wallet, Baidu's wallet, silver
Connection platform etc.）Interface.The on-line transaction module 103 is obtained from POS terminal interface module 101 and high in the clouds pos interface module 102
Related data must be paid, and Third-party payment transactional operation is realized with corresponding Third-party payment passage 3, and according to third party
The situation of transactional operation is paid, will pay that related data passes through POS terminal interface module 101 and high in the clouds pos interface module 102 is fed back
POS or virtual POS equipment to front end.So as to based on on-line transaction module 103 to the simultaneous of various Third-party payment passages
Capacitive, can realize the multiple channel such as Alipay, wechat payment, Jingdone district wallet, Baidu's wallet, Unionpay's platform using the system
Third-party payment.
Distributed message module 104 connects the on-line transaction module 103 and service management module 105.It is distributed to disappear
Breath module 104 is grasped by Third-party payment transaction to online transaction modules 103 based on distributed news release and the mechanism of access
The message data stream made and generate carries out transmitting-receiving process, so that service management module 105 can be grasped according to Third-party payment transaction
The message of work and realize the process of pay invoice.
Service management module 105 is used to realize adding the businessman of the system and its registration of POS terminal to order with management, payment
The process of list, system operation condition monitoring.Also, centered on service management module 105, authority management module 106 is used for real
The now management and configuration to businessman's authority；AIM 107 belongs to fixation or the mobile terminal device of businessman for connection,
So as to realize the self-service management of businessman with configuration operation；Settle accounts calculation module 108 realizes clearing statement systematic function and payment
The statistical function of related data.
Fig. 2 is the network payment technology channel management system of UNICOM user of the present invention, businessman and Third-party payment passage
The function composition schematic diagram of system.As shown in Fig. 2 the system function be divided into substantially payment channel management, businessman's Basic Information Management,
The parts such as settle accounts calculation management, monitoring operation management.Payment channel management is specifically included to bank card payment channel, Third-party payment
Pay invoice under passage is processed, and the management to POS terminal.Businessman's Basic Information Management includes merchant registration management, business
Family's rights management and Business Information management.Settle accounts calculation system includes paying statistics, channel statistics, businessman's statistics etc..Operation prison
Keyholed back plate reason includes grid monitoring, intrusion detection and warning.
Lower mask body is introduced the concrete function of the system and its realizes process.
（1）Merchant registration and Third-party payment channel management
According to the registration request that businessman is proposed to service management module 105 by AIM 107, service management module
105 can realize pre-registration operation with registration operation in the present system to the businessman of request.So as to businessman can in the state of the system
To be divided into pre-registration states and login state.Under pre-registration states, the typing in pre-registration operation of businessman's Back ground Information
The system, but signing state still keeps unsigned；The businessman of pre-registration states can show its businessman's Back ground Information by the system,
But do not possess the function of the network payment performed by the system under Third-party payment passage.The businessman of pre-registration states can be with
By service management module 105 using the mode batch input of excel importings to the system.When businessman by AIM to
The system is submitted subscription request to and is audited by afterwards, being contracted by registering to operate to be adjusted to the signing state of businessman,
So that merchant state is converted to login state.
The authority management module 106 that the system can be passed through proposes Third-party payment passage authority to service management module 105
Configuring request, so as to the service authority of Third-party payment passage is configured for the businessman under login state；The 3rd is being carried out for businessman
During the configuration of square payment channel service authority, request can be selected according to the payment transaction that businessman submits to, correspondence is carried out to the request
To the matching of different Third-party payment passages, so as to for businessman is in selected Third-party payment channel registration and opens corresponding
Service authority.
Be presented herein below the system for businessman Third-party payment passage registered and the authority that activated the service flow process.The system
Service management module 105 first in Third-party payment channel registration ID and password, and then realizing merchant registration and operational authority
Limit during opening with registered ID and code entry Third-party payment passage.Further, service management module 105 is to the 3rd
Square payment channel uploads the sub- Business Information for intending carrying out registering and service authority is opened, and sub- Business Information is can perform during this
Batch upload；After batch is uploaded, sub- businessman's result queries function is increased newly by batch, sub- businessman can be checked in third party
The state of payment channel is " in process ".Third-party payment passage is audited to the sub- Business Information that batch is uploaded, and examination ＆ verification is logical
Later message is returned to service management module 105, and sub- businessman is adjusted in the state of Third-party payment passage " treats multiple
Core ".The message that service management module 105 passes through according to the examination ＆ verification that Third-party payment passage is returned, antithetical phrase businessman carry out checking logical
The confirmation crossed, and the confirmation message is transferred to into Third-party payment passage.Third-party payment passage will be in Third-party payment passage
State be set to " registration is completed ", and then send to service management module 105 by the approach such as secure e-mail that " sub- businessman creates
The information of success ".Service management module 105 logs in Third-party payment passage, obtains and derive the sub- business that sub- merchant registration is produced
The sub- merchant registration information such as family ID, password, key.By above procedure, the businessman for completing the system is logical in Third-party payment
Register flow path on road.
Further, carry out activation process of the sub- businessman in Third-party payment passage.Specifically, service management module 105 will
Sub- Merchant ID, encrypted message are sent to the terminal of sub- businessman.Sub- merchant terminal utilizes sub- Merchant ID and password login to third party
Payment channel, and payment cipher and safety problem are set in Third-party payment passage, and then, by the means reality such as short-message verification
Activation of the existing sub- Merchant ID in Third-party payment passage.
Sub- businessman improves the information such as its real-name authentication and receiving bank's account on their terminal, and information is committed to then
Tripartite's payment channel is audited；Also, the real-name authentication of sub- businessman and receiving bank's account etc. are believed by Third-party payment passage
Breath is transferred to the service management module 105 of the system and is audited.After examination ＆ verification passes through, by Third-party payment passage to sub- businessman
Feedback auditing result, sub- businessman can realize function of withdrawing deposit by Third-party payment passage.
（2）POS terminal is registered
After registration and activation are completed, the sub- businessman of the system is using the intelligence for possessing barcode scanning function for being located at the system front end
Can the related barcode scanning operation of POS 2, common POS 2 or virtual POS equipment 2 realization payment.It is in order to carry out payment barcode scanning, first
The registration first carried out by POS terminal.
For the intelligent POS 2 and common POS 2 that belong to entity device, during registration POS terminal, by intelligence
POS 2 and common POS 2 upload sub- Merchant ID and its door belonging to the POS terminal itself to POS terminal interface module 101
Shop number, and POS numbering.According to the above- mentioned information that POS terminal is uploaded, in on-line transaction module 103 and service management module
105 perform the registration to POS terminal.Also, passed to intelligent POS 2 and common POS 2 by POS terminal interface module 101
The defeated driver for downloading.
For sub- businessman realizes the scene of virtual POS equipment 2 by third party devices such as smart mobile phones, connect by high in the clouds POS
Mouth mold block 102 provides available for download with barcode scanning function APP to the equipment of sub- businessman, by installing APP by the intelligence of sub- businessman
The third party devices such as energy mobile phone are registered as virtual POS equipment 2 in on-line transaction module 103 and service management module 105.
Further, high in the clouds pos interface module 102 can provide virtual gathering Quick Response Code to the smart mobile phone of sub- businessman, for
Family barcode scanning is used, to support the payment of Third-party payment passage.
（3）The payment of third party's passage
The barcode scanning payment based on Third-party payment passage realized by the system is divided into trade company master and sweeps and sweep two kinds of realizations with householder
Path.Introduced separately below.
In the case of trade company master sweeps, user opens client end AP P of Third-party payment passage on itself mobile phone, generates and pays
Money Quick Response Code or bar code；Businessman is input on the intelligent POS 2 of the system, common POS 2 or virtual POS equipment 2 and treats
Payment Amount, then scans the payment Quick Response Code or bar code of the user.Payment Quick Response Code or bar code of the POS terminal from user
The central identity for extracting Third-party payment channel type and payment user, and with reference to the sub- business of POS terminal itself subordinate
Family ID, POS terminal numbering, the pending payment amount of money, generate and pay related data, be transferred to POS terminal interface module 101 or high in the clouds
Pos interface module 102；POS terminal interface module 101 or high in the clouds pos interface module 102 are supplied to connection by related data is paid
Machine transaction modules 103.On-line transaction module 103 generates a pay invoice for this payment, and recognizes that this pays employing
Third-party payment passage, will complete on Third-party payment passage this pay required for information（Such as pay the bill user, gathering
Sub- Merchant ID, payment, secure authentication information）Third-party payment passage is sent to by the on-line transaction module 103.The
Tripartite's payment channel completes transferring for the relationship trading amount of money on that channel based on the information for being received, and then to on-line transaction
Module 103 sends the feedback message that transaction is completed；The feedback message that on-line transaction module 103 is completed concluding the business passes through POS terminal
Interface module 101 or high in the clouds pos interface module 102 are pushed to the POS terminal of sub- businessman, are paid into showing on the terminal
The prompting of work(.Also, Third-party payment passage also is pushed to pay to client end AP P of user and is successfully fed back, so as in APP circle
Show on face and pay successfully.
Under the pattern swept with householder, sub- businessman is first by intelligent POS 2, common POS 2 or virtual POS equipment
The 2 input pending payment amount of money；POS terminal equipment passes through POS terminal interface module 101 or high in the clouds pos interface module 102 by sub- business
The payment related informations such as family ID, POS terminal numbering, the pending payment amount of money are supplied to on-line transaction module 103；On-line transaction module
103 generate a pay invoice for this payment, and the information required for gathering will be realized on Third-party payment passage（Such as son
Merchant ID, collection amount is treated, secure authentication information etc.）It is supplied to Third-party payment passage；Third-party payment passage is to above-mentioned letter
Breath performs process, produces the feedback information for generation gathering Quick Response Code, feedback information is supplied to the on-line transaction of the system
Module 103；On-line transaction module 103 passes through POS terminal interface module 101 or high in the clouds pos interface module 102 to POS terminal
The feedback information is transmitted, so as to Quick Response Code is generated on the display interface of POS terminal.Payment user opens itself smart mobile phone
Client end AP P of Third-party payment passage, scans the Quick Response Code in POS terminal, so as to acquire the letter that gathering Quick Response Code is carried
Breath, and it is input into payment cipher.The smart mobile phone of payment user combines information and the client of itself letter that gathering Quick Response Code is carried
Breath, there is provided give Third-party payment passage.Third-party payment passage carries out the amount of money of this transaction and transfers.Further, Third-party payment
Passage sends the feedback message that transaction is completed to on-line transaction module 103；The feedback that on-line transaction module 103 is completed concluding the business disappears
Breath is pushed to the POS terminal of sub- businessman by POS terminal interface module 101 or high in the clouds pos interface module 102, with the end
Show on end that payment is successfully pointed out.Also, Third-party payment passage is also pushed to client end AP P of user and pays successfully anti-
Feedback, pays successfully to show on APP interfaces.
In both the above payment scheme, on-line transaction module 103 is by the information of pay invoice correlation（Such as pay invoice
Numbering, sub- Merchant ID and its shops number, the POS numbering amount of money etc.）Passed in the form of message flow by distributed message module 104
Pass service management module 105.Service management module 105 can be stored to the pay invoice, managed and be processed, for example, can
Settle accounts calculation module 108 is called to realize clearing reconciliation function and pay the statistical function of related data.
Above example is merely to illustrate the present invention, and not limitation of the present invention, about the common skill of technical field
Art personnel, without departing from the spirit and scope of the present invention, can also make a variety of changes and modification, therefore all etc.
Same technical scheme falls within scope of the invention, and the scope of patent protection of the present invention should be defined by the claims.
Claims (10)
1. the network payment technology channel management system of a kind of UNICOM user, businessman and Third-party payment passage, it is characterised in that
Including：POS terminal interface module, high in the clouds pos interface module, on-line transaction module, distributed message module, operational control mould
Block, authority management module, AIM and settle accounts calculation module；Wherein,
POS terminal interface module is realized paying the receipts of related data for communicating with the POS equipment for possessing barcode scanning function
Send out and businessman's custom service related data transmitting-receiving；
High in the clouds pos interface module is used to be communicated with virtual POS equipment by network, realizes paying the transmitting-receiving of related data；
On-line transaction module connects POS terminal interface module and high in the clouds pos interface module, and by network connection to multiple types
The Third-party payment passage of type, for obtaining payment related data from POS terminal interface module and high in the clouds pos interface module, and
Third-party payment transactional operation is realized with corresponding Third-party payment passage based on related data is paid；And according to third party
The situation of transactional operation is paid, related data will be paid and passed through POS terminal interface module and high in the clouds pos interface module feedback to POS
Machine equipment or virtual POS equipment；Also, on-line transaction module generates payment for the transactional operation of Third-party payment passage and orders
Forms data, and pass through message flow by pay invoice data-pushing distributed message module；
Distributed message module is used to carry out the message flow transmitting-receiving process between on-line transaction module and service management module；
Service management module is used for the registration and management for realizing businessman and its POS terminal, the process of pay invoice and system fortune
Battalion's condition monitoring；
Authority management module is used to realize the management to businessman's authority with configuration；
AIM belongs to fixation or the mobile terminal device of businessman for connection, so as to realize the self-service management of businessman with
Configuration operation；
Settle accounts calculation module is used to realize clearing statement systematic function and pays the statistical function of related data.
2. network payment technology channel management system according to claim 1, it is characterised in that the AIM
For the registration request of businessman, service management module response registration request, to the business for filing a request are proposed to service management module
Family realizes pre-registration operation with registration operation；Under pre-registration states, typing businessman Back ground Information；When businessman passes through application interface
Module is submitted subscription request to service management module and is audited by afterwards, service management module makes merchant state be converted to registration
State.
3. network payment technology channel management system according to claim 1, it is characterised in that authority management module is used for
Third-party payment passage privileges configuration request is proposed to service management module, so that third party is configured for the businessman under login state
The service authority of payment channel.
4. network payment technology channel management system according to claim 1, it is characterised in that the service management module
Intend carrying out the sub- Business Information registered and service authority is opened for uploading to Third-party payment passage, receive Third-party payment and lead to
Audit the return message by backward service management module in road；The message that the examination ＆ verification returned according to Third-party payment passage passes through,
The confirmation for passing through is checked by antithetical phrase businessman, and the confirmation message is transferred to Third-party payment passage；Obtain and derive the 3rd
The sub- merchant registration information such as the sub- Merchant ID of sub- merchant registration generation, password, key in square payment channel；By sub- Merchant ID, close
Code information is sent to the terminal of sub- businessman.
5. network payment technology channel management system according to claim 4, it is characterised in that the service management module
The real-name authentication and receiving bank's account information of the sub- businessman that Third-party payment passage sends also are received, after examination ＆ verification passes through, is passed through
Third-party payment passage is to sub- merchant feedback auditing result.
6. network payment technology channel management system according to claim 1, it is characterised in that POS terminal interface module
For receive POS equipment upload itself belonging to sub- Merchant ID and its shops number, and POS numbering；According to POS equipment
Or the above- mentioned information that virtual POS equipment is uploaded, the registration of on-line transaction module and service management module execution to POS terminal；And
And, the driver downloaded is supplied to POS device transmission by POS terminal interface module.
7. network payment technology channel management system according to claim 1, it is characterised in that high in the clouds pos interface module
The APP with barcode scanning function available for download is provided to the equipment of sub- businessman, by APP being installed by the third party device of sub- businessman
Virtual POS equipment is registered as in on-line transaction module and service management module；The third party device of sub- businessman can realize businessman
Custom service, high in the clouds pos interface module receives the data for realizing businessman's custom service of the third party device transmission of sub- businessman please
Ask, and high in the clouds pos interface module transmits the dependency number of businessman's custom service according to the request to the third party device of sub- businessman
According to.
8. network payment technology channel management system according to claim 1, it is characterised in that the POS equipment or
Person's virtual POS equipment is input into the pending payment amount of money, then scans the payment Quick Response Code or bar code of pending payment user；POS equipment
Or virtual POS equipment extracts Third-party payment channel type and payment user from the middle of the payment Quick Response Code or bar code of user
Identity, and the sub- Merchant ID with reference to POS equipment or virtual POS equipment itself subordinate, POS terminal numbering, treat
Payment Amount, generates and pays related data, be transferred to POS terminal interface module or high in the clouds pos interface module；POS terminal connects
Mouth mold block or high in the clouds pos interface module are supplied to on-line transaction module by related data is paid；On-line transaction module is for this
Secondary payment generates a pay invoice, and recognizes that this pays the Third-party payment passage for adopting, will be in Third-party payment passage
On complete this pay required for information Third-party payment passage is sent to by the on-line transaction module；On-line transaction module
The feedback message that transaction is completed, and the feedback message that transaction is completed are received by POS terminal interface module or high in the clouds POS
Interface module is pushed to the POS equipment or virtual POS equipment of sub- businessman, is successfully carried with showing on the terminal to pay
Show.
9. network payment technology channel management system according to claim 1, it is characterised in that the POS equipment or
Person's virtual POS equipment is input into the pending payment amount of money；By POS terminal interface module or high in the clouds pos interface module by sub- Merchant ID,
The payment related informations such as POS terminal numbering, the pending payment amount of money are supplied to on-line transaction module；On-line transaction module is directed to this
Pay and generate a pay invoice, and will realize on Third-party payment passage that the information required for gathering is supplied to Third-party payment to lead to
Road；On-line transaction module generates the feedback information of gathering Quick Response Code from Third-party payment channel reception, by POS terminal interface mould
Block or high in the clouds pos interface module to POS equipment or the virtual POS device transmission feedback information, so as in POS terminal
Quick Response Code is generated on display interface, for pending payment user's barcode scanning；On-line transaction module has been concluded the business from Third-party payment channel reception
Into feedback message, and the feedback message that completes of transaction is pushed away by POS terminal interface module or high in the clouds pos interface module
The POS terminal of sub- businessman is given, is successfully pointed out with showing on the terminal to pay.
10. network payment technology channel management system according to claim 1, it is characterised in that on-line transaction module will
The related pay invoice numbering of pay invoice, sub- Merchant ID and its shops number, the POS numbering amount of money pass through distributed message module
Service management module is passed in the form of message flow；Service management module can be stored to the pay invoice, managed and be located
Reason.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610914441.1A CN106529918A (en) | 2016-10-20 | 2016-10-20 | Network payment technology channel management system for Unicom subscribers, merchants and third party payment channels |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610914441.1A CN106529918A (en) | 2016-10-20 | 2016-10-20 | Network payment technology channel management system for Unicom subscribers, merchants and third party payment channels |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106529918A true CN106529918A (en) | 2017-03-22 |
Family
ID=58332794
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610914441.1A Pending CN106529918A (en) | 2016-10-20 | 2016-10-20 | Network payment technology channel management system for Unicom subscribers, merchants and third party payment channels |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106529918A (en) |
Cited By (20)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| CN107748985A (en) * | 2017-11-07 | 2018-03-02 | 苏州比可网络科技有限公司 | Network method of payment and network payment server |
| CN107808285A (en) * | 2017-09-28 | 2018-03-16 | 深圳市生银万国网络科技有限公司 | A kind of method of payment, equipment and computer-readable recording medium |
| CN107833097A (en) * | 2017-11-02 | 2018-03-23 | 福建智信科技有限公司 | A kind of telephone recharge management system based on 2 D code information |
| CN108428127A (en) * | 2018-03-14 | 2018-08-21 | 杭州蓝魔网络科技有限公司 | A kind of intelligence POS machine form ordering system and its method |
| TWI649704B (en) * | 2017-08-10 | 2019-02-01 | 中國信託商業銀行股份有限公司 | Payment integration method and server for integrated payment |
| CN109598494A (en) * | 2018-12-04 | 2019-04-09 | 深圳前海微众银行股份有限公司 | Transaction request based on open platform executes method, apparatus, equipment and medium |
| CN109598492A (en) * | 2018-10-15 | 2019-04-09 | 阿里巴巴集团控股有限公司 | A kind of method of payment, system, device, terminal and service server |
| CN109598490A (en) * | 2017-09-30 | 2019-04-09 | 阿里巴巴集团控股有限公司 | Transaction data processing method, apparatus and system |
| CN109816366A (en) * | 2017-11-20 | 2019-05-28 | 北京嘀嘀无限科技发展有限公司 | Payment transaction processing method, system for server or payment devices |
| CN110111092A (en) * | 2019-04-02 | 2019-08-09 | 上海瀚之友信息技术服务有限公司 | A kind of compatible system of payment channel |
| CN110276683A (en) * | 2019-06-27 | 2019-09-24 | 苏宁消费金融有限公司 | A kind of bill public service processing system and its method |
| TWI680415B (en) * | 2018-09-13 | 2019-12-21 | 澧達科技股份有限公司 | Network payment method and network payment system |
| CN111464634A (en) * | 2020-03-31 | 2020-07-28 | 中国建设银行股份有限公司 | Channel sharing platform |
| WO2021078229A1 (en) * | 2019-10-25 | 2021-04-29 | 网联清算有限公司 | Payment processing system and method |
| CN113159746A (en) * | 2021-05-13 | 2021-07-23 | 华世界数字科技(深圳)有限公司 | Method and device for distributing payment channel based on merchant attribute |
| TWI758648B (en) * | 2019-10-18 | 2022-03-21 | 黃音凱 | Mobile trading counter implemented by real-name phone, and trading method by using the same |
| CN114912914A (en) * | 2021-02-08 | 2022-08-16 | 网银在线（北京）科技有限公司 | Resource processing method and device, computer equipment and storage medium |
| TWI776074B (en) * | 2019-07-18 | 2022-09-01 | 財金資訊股份有限公司 | Cross-wallet or cross-payment platform payment method and payment system |
| CN117592979A (en) * | 2024-01-18 | 2024-02-23 | 快捷通支付服务有限公司 | Method, equipment and medium for order collection and settlement |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102880956A (en) * | 2012-09-13 | 2013-01-16 | 东莞宇龙通信科技有限公司 | Payment server and payment channel integration method |
| WO2014012407A1 (en) * | 2012-07-18 | 2014-01-23 | 中兴通讯股份有限公司 | Payment method and device |
| 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 |
-
2016
- 2016-10-20 CN CN201610914441.1A patent/CN106529918A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014012407A1 (en) * | 2012-07-18 | 2014-01-23 | 中兴通讯股份有限公司 | Payment method and device |
| CN102880956A (en) * | 2012-09-13 | 2013-01-16 | 东莞宇龙通信科技有限公司 | Payment server and payment channel integration method |
| 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 |
Non-Patent Citations (1)
| Title |
|---|
| BJ520045: "优户收银系统之微信收款支付方案V1.1", 《HTTPS://WWW.DOCIN.COM/P-1336798829.HTML》 * |
Cited By (24)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI649704B (en) * | 2017-08-10 | 2019-02-01 | 中國信託商業銀行股份有限公司 | Payment integration method and server for integrated payment |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| CN107808285A (en) * | 2017-09-28 | 2018-03-16 | 深圳市生银万国网络科技有限公司 | A kind of method of payment, equipment and computer-readable recording medium |
| CN109598490A (en) * | 2017-09-30 | 2019-04-09 | 阿里巴巴集团控股有限公司 | Transaction data processing method, apparatus and system |
| CN107833097A (en) * | 2017-11-02 | 2018-03-23 | 福建智信科技有限公司 | A kind of telephone recharge management system based on 2 D code information |
| CN107748985A (en) * | 2017-11-07 | 2018-03-02 | 苏州比可网络科技有限公司 | Network method of payment and network payment server |
| CN107748985B (en) * | 2017-11-07 | 2021-05-28 | 苏州比可网络科技有限公司 | Network-based payment method and network payment server |
| CN109816366A (en) * | 2017-11-20 | 2019-05-28 | 北京嘀嘀无限科技发展有限公司 | Payment transaction processing method, system for server or payment devices |
| CN108428127A (en) * | 2018-03-14 | 2018-08-21 | 杭州蓝魔网络科技有限公司 | A kind of intelligence POS machine form ordering system and its method |
| TWI680415B (en) * | 2018-09-13 | 2019-12-21 | 澧達科技股份有限公司 | Network payment method and network payment system |
| CN109598492A (en) * | 2018-10-15 | 2019-04-09 | 阿里巴巴集团控股有限公司 | A kind of method of payment, system, device, terminal and service server |
| CN109598492B (en) * | 2018-10-15 | 2023-09-29 | 创新先进技术有限公司 | Payment method, system, device, terminal and service server |
| CN109598494A (en) * | 2018-12-04 | 2019-04-09 | 深圳前海微众银行股份有限公司 | Transaction request based on open platform executes method, apparatus, equipment and medium |
| CN110111092B (en) * | 2019-04-02 | 2023-03-24 | 上海瀚之友信息技术服务有限公司 | Compatible system of payment channel |
| CN110111092A (en) * | 2019-04-02 | 2019-08-09 | 上海瀚之友信息技术服务有限公司 | A kind of compatible system of payment channel |
| CN110276683A (en) * | 2019-06-27 | 2019-09-24 | 苏宁消费金融有限公司 | A kind of bill public service processing system and its method |
| TWI776074B (en) * | 2019-07-18 | 2022-09-01 | 財金資訊股份有限公司 | Cross-wallet or cross-payment platform payment method and payment system |
| TWI758648B (en) * | 2019-10-18 | 2022-03-21 | 黃音凱 | Mobile trading counter implemented by real-name phone, and trading method by using the same |
| WO2021078229A1 (en) * | 2019-10-25 | 2021-04-29 | 网联清算有限公司 | Payment processing system and method |
| CN111464634A (en) * | 2020-03-31 | 2020-07-28 | 中国建设银行股份有限公司 | Channel sharing platform |
| CN114912914A (en) * | 2021-02-08 | 2022-08-16 | 网银在线（北京）科技有限公司 | Resource processing method and device, computer equipment and storage medium |
| CN113159746A (en) * | 2021-05-13 | 2021-07-23 | 华世界数字科技(深圳)有限公司 | Method and device for distributing payment channel based on merchant attribute |
| CN117592979A (en) * | 2024-01-18 | 2024-02-23 | 快捷通支付服务有限公司 | Method, equipment and medium for order collection and settlement |
| CN117592979B (en) * | 2024-01-18 | 2024-03-19 | 快捷通支付服务有限公司 | Method, equipment and medium for order collection and settlement |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106529918A (en) | Network payment technology channel management system for Unicom subscribers, merchants and third party payment channels | |
| US7490062B2 (en) | Method of payment by means of an electronic communication device | |
| CN100433617C (en) | System and method for facilitating electronic financial transactions using a mobile telecommunications device | |
| RU2644128C2 (en) | Electronic payment system | |
| CN104050565B (en) | Intelligent payment system and its mobile terminal based on PBOC payment networks | |
| JP2005519400A (en) | Method and apparatus for cashless transactions over a telecommunications network | |
| CN106934673A (en) | A kind of electronic invoice system | |
| CN1936971A (en) | Coinless vending system, method and using an audio code collector and validator | |
| KR20040104660A (en) | System to enable a telecom operator provide financial transactions services and method for implementing such transactions | |
| CN102439617A (en) | Card false-positive prevention | |
| CN101288092A (en) | Mobile account management | |
| MX336287B (en) | Convergent communications platform and method for mobile and electronic commerce in a heterogeneous network environment. | |
| CN102831734A (en) | Payment method of mobile terminal client | |
| WO2002043020A2 (en) | Method and device for the transmission of data by mobile telephone in cashless electronic payments | |
| CN103366274A (en) | Hybrid e-commerce instant payment method | |
| CN102164202A (en) | Home bill payment method of scanning bar code with mobile phone | |
| CN102007505A (en) | System and method for providing product or service with cellular telephone | |
| CN102932788A (en) | Mobile phone-based identity identification and near-field payment method | |
| CN103942880A (en) | A payment method based on biological characteristics | |
| CN104252672A (en) | Payment transaction system integrating cloud service | |
| CN103020822B (en) | Financial acquirer's method based on double escape ways | |
| CN102184604A (en) | Mobile terminal payment system based on bar code | |
| CN105894433A (en) | Lottery remote betting system and betting method thereof | |
| AU2014201815A1 (en) | Method for Charging an Onboard-Unit with an Electronic Ticket | |
| KR100325416B1 (en) | Method of real time sattlement with Phone & Phone, and make use of short message service for second confirmation |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170322 |
|
| RJ01 | Rejection of invention patent application after publication |