CN107230062A - Method of payment based on product subscription order - Google Patents
Method of payment based on product subscription order Download PDFInfo
- Publication number
- CN107230062A CN107230062A CN201710622751.0A CN201710622751A CN107230062A CN 107230062 A CN107230062 A CN 107230062A CN 201710622751 A CN201710622751 A CN 201710622751A CN 107230062 A CN107230062 A CN 107230062A
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- CN
- China
- Prior art keywords
- payment
- user
- enterprise
- information
- order
- 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.)
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Classifications
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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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0603—Catalogue ordering
Abstract
The present invention relates to method of payment, more particularly to a kind of method of payment based on product subscription order.(1) computer of the user based on connection network selectes product, generates sequence information, selection application, and (2) user is to sequence information encryption and submits order.The invention has the advantages that user can be supported to be carried out by company APP, Alipay, wechat and webpage, order is paid or progress vehicle wallet is supplemented with money, support a variety of means of payment, there is Alipay to pay face-to-face (including seller's barcode scanning buyer, buyer's barcode scanning seller), Alipay arrives account (webpage payment) immediately, wechat APP is paid, wechat is paid (including seller sweeps buyer, buyer and sweeps seller) face-to-face, and wechat public number is paid.
Description
Technical field
The present invention relates to method of payment, more particularly to a kind of method of payment based on product subscription order.
Background technology
With the fast development of ecommerce, the means of payment of people there occurs huge change, from cash before, electricity
Remittance, postal remittance, swipe the card that gradually to have developed Web bank, third-party platform payment, mobile payment etc. a variety of for the modes such as payment
Mode, great convenience is provided for social production, social activities;On the other hand, bank increases atm device and multimedia energetically
Self-aided terminal, conveniently meets the demand for the basic services such as people are queried the balance, withdrawn the money, depositing, transferring accounts, common cost is payed on behalf.
The shortcoming of related method of payment, which is mainly, at this stage temporarily only allows user to be propped up using Alipay and wechat
Pay, but with product renewing iteration, paying can here dock at present with Unionpay, can realize that user is paid using Unionpay quickly.
The content of the invention
The technical problem to be solved in the present invention is how to overcome the deficiencies in the prior art there is provided based on product subscription order
Method of payment.
The technical scheme that uses to achieve the above object of the present invention is:
Based on the method for payment of product subscription order, comprise the following steps:
(1) computer of the user based on connection network selectes product, and carrying out product by client of doing shopping selectes, generation
Sequence information, by the means of payment for client selection application of doing shopping, obtains licensing for enterprise;
User based on connection network computer select product, directly can by stop client carry out order payment or
Carry out vehicle wallet to supplement with money, select after product, generate sequence information, select the means of payment of application, be directly to exist during selection
Selected on the payment platform being related to, such as Alipay, wechat, click on to confirm after paying directly to enter in payment gateway, the application and design
Payment platform advantage be with parking client pay interact when, interface matches with function, meet user select it is any one
Plant the means of payment to be paid, Consumer's Experience is greatly improved.And the sign test portion licensed mainly in payment gateway of enterprise
Point realize, main to obtain mandate be exactly to confirm that this order is paid by our clients of stopping, and by Alipay wechat
Business licenses are taken after signing certificate checking, user balance and card stream record are updated into payment system afterwards.
(2) side of user one carries out symmetric cryptography processing to sequence information by client of doing shopping and submits order;
User is to sequence information encryption, and encryption mechanism has mainly been used RSA (asymmetric encryption) and MD5 hash and calculated
Method, is encrypted after order is errorless to sequence information confirmation when payment gateway, mainly uses asymmetric encryption
RSA, takes Alipay wechat key and is encrypted, and takes and symmetrical key is decrypted with another again after order, enter back into branch
Pay system of users remaining sum and card stream record is updated.
(3) enterprise is checked the sequence information of user, confirmed and user's disbursement letter related, by encryption
Breath is transmitted to payment gateway, until enterprise's Batch Processing server of enterprise private is confirmed, waits enterprise verification, obtains
To the mandate disbursed funds;
It is encrypted after order is errorless to sequence information confirmation when payment gateway, encryption information mainly includes should
Order complete information (license plate number, time of payment, payment, zoning number either trade mark of inspector, name, POS end
Mouthful), user mobile phone number, the means of payment, the account used when paying.
(4) it is true to enterprise servers loopback by the encryption channel for the payment gateway set up after enterprise verification confirms
Recognize and payment information, and give the request of user's loopback payment authorization;
(5) enterprise is obtained after the further mandate settlement information that user is transmitted, and fund is allocated to development branch from user account
On the business account for the system of paying, settled accounts by financial dedicated network, and give respectively enterprise and user's loopback payment and settlement into
The information of work(;
Payment system is exactly mainly that sequence information confirms errorless and carried out after sign test to generating the order by payment gateway
User balance and card stream information be updated, main flow be by stop client end interface click on generation order, by preceding
End enters the logical layer of parking client, takes and enters payment system after information, supplements interface with money by calling user balance is entered
Row is updated, and the vehicle wallet card stream of the user is updated, and record supplements record with money, meets amount of money requirement and send user preferential certificate,
The amount of money is given in either activity, then can send APP prompting message user's successful rechargings, log is returned to front end and informed
This order successful recharging, whole flow process terminates.
(6) after the clearing successful information that enterprise servers are sent by enterprise, network successful payment information is sent to user
And shipping order;
(7) user and enterprise can inquire about the balance of funding information of oneself, further to check respectively by network.
The invention has the advantages that can support user by company APP, Alipay, wechat and webpage carry out order payment or
Person is to carry out vehicle wallet to supplement with money, supports a variety of means of payment, has Alipay to pay face-to-face and (including seller's barcode scanning buyer, buys
Family barcode scanning seller), Alipay arrive account (webpage payment), wechat wechat APP payments immediately, and wechat pays (including seller face-to-face
Sweep buyer, buyer and sweep seller), wechat public number is paid., can be first by paying net after user is paid with these means of payment
Close, sign test can be interacted in gateway with Alipay, wechat, payment system is arrived again after confirmation is errorless, to the remaining sum and card of user
Stream record is updated.Whole flow process is smooth, and the encryption mechanism of wherein gateway ensure that user information confidentiality, it is ensured that whole
Payment process is safe and reliable.With continuing to optimize, the whole payment process time is greatly improved, and user can be at about 45 seconds
Interior just to see payment result, synchronized update user balance and card stream record substantially increase Consumer's Experience.
Brief description of the drawings
Fig. 1 payment flow schematic diagrames of the present invention.
Embodiment
Below in conjunction with the accompanying drawings, the present invention is described in further detail:
As shown in figure 1, the method for payment based on product subscription order, comprises the following steps:
(1) computer of the user based on connection network selectes product, and carrying out product by client of doing shopping selectes, generation
Sequence information, by the means of payment for client selection application of doing shopping, obtains licensing for enterprise;
User based on connection network computer select product, directly can by stop client carry out order payment or
Carry out vehicle wallet to supplement with money, select after product, generate sequence information, select the means of payment of application, be directly to exist during selection
Selected on the payment platform being related to, such as Alipay, wechat, click on to confirm after paying directly to enter in payment gateway, the application and design
Payment platform advantage be with parking client pay interact when, interface matches with function, meet user select it is any one
Plant the means of payment to be paid, Consumer's Experience is greatly improved.And the sign test portion licensed mainly in payment gateway of enterprise
Point realize, main to obtain mandate be exactly to confirm that this order is paid by our clients of stopping, and by Alipay wechat
Business licenses are taken after signing certificate checking, user balance and card stream record are updated into payment system afterwards.
(2) side of user one carries out symmetric cryptography processing to sequence information by client of doing shopping and submits order;
User is to sequence information encryption, and encryption mechanism has mainly been used RSA (asymmetric encryption) and MD5 hash and calculated
Method, is encrypted after order is errorless to sequence information confirmation when payment gateway, mainly uses asymmetric encryption
RSA, takes Alipay wechat key and is encrypted, and takes and symmetrical key is decrypted with another again after order, enter back into branch
Pay system of users remaining sum and card stream record is updated.
(3) enterprise is checked the sequence information of user, confirmed and user's disbursement letter related, by encryption
Breath is transmitted to payment gateway, until enterprise's Batch Processing server of enterprise private is confirmed, waits enterprise verification, obtains
To the mandate disbursed funds;
It is encrypted after order is errorless to sequence information confirmation when payment gateway, encryption information mainly includes should
Order complete information (license plate number, time of payment, payment, zoning number either trade mark of inspector, name, POS end
Mouthful), user mobile phone number, the means of payment, the account used when paying.
(4) it is true to enterprise servers loopback by the encryption channel for the payment gateway set up after enterprise verification confirms
Recognize and payment information, and give the request of user's loopback payment authorization;
(5) enterprise is obtained after the further mandate settlement information that user is transmitted, and fund is allocated to development branch from user account
On the business account for the system of paying, settled accounts by financial dedicated network, and give respectively enterprise and user's loopback payment and settlement into
The information of work(;
Payment system is exactly mainly that sequence information confirms errorless and carried out after sign test to generating the order by payment gateway
User balance and card stream information be updated, main flow be by stop client end interface click on generation order, by preceding
End enters the logical layer of parking client, takes and enters payment system after information, supplements interface with money by calling user balance is entered
Row is updated, and the vehicle wallet card stream of the user is updated, and record supplements record with money, meets amount of money requirement and send user preferential certificate,
The amount of money is given in either activity, then can send APP prompting message user's successful rechargings, log is returned to front end and informed
This order successful recharging, whole flow process terminates.
(6) after the clearing successful information that enterprise servers are sent by enterprise, network successful payment information is sent to user
And shipping order;
(7) user and enterprise can inquire about the balance of funding information of oneself, further to check respectively by network.On
Embodiment is stated simply to illustrate that the technical concepts and features of the present invention, the purpose is to be to allow ordinary skill people in the art
Member can understand present disclosure and implement according to this, and it is not intended to limit the scope of the present invention.It is every according to this hair
Equivalent change or modification made by the essence of bright content, should all cover within the scope of the present invention.
Claims (1)
1. the method for payment based on product subscription order, it is characterised in that comprise the following steps:
(1) computer of the user based on connection network selectes product, and carrying out product by client of doing shopping selectes, generation order letter
Breath, by the means of payment for client selection application of doing shopping, obtains licensing for enterprise;
(2) side of user one carries out symmetric cryptography processing to sequence information by client of doing shopping and submits order;
User is to sequence information encryption, and encryption mechanism uses RSA (asymmetric encryption) and MD5 hashing algorithm, order
When payment gateway to sequence information confirm it is errorless after be encrypted, mainly use asymmetric encryption RSA, take branch
Pay precious wechat key to be encrypted, take and symmetrical key is decrypted with another again after order, enter back into payment system to
Family remaining sum and card stream record are updated;
(3) enterprise is checked the sequence information of user, confirmed, and user's payment information related, by encryption is turned
Payment gateway is issued, until enterprise's Batch Processing server of enterprise private is confirmed, enterprise verification is waited, is propped up
The mandate for the fund of paying;
(4) after enterprise verification confirms, by the encryption channel for the payment gateway set up, confirm to enterprise servers loopback and
Payment information, and give the request of user's loopback payment authorization;
(5) enterprise is obtained after the further mandate settlement information that user is transmitted, and fund is allocated to development from user account pays system
On the business account of system, settled accounts by financial dedicated network, and it is successful to enterprise and user's loopback payment and settlement respectively
Information;
(6) after the clearing successful information that enterprise servers are sent by enterprise, network successful payment information and hair are sent to user
Goods is notified;
(7) the balance of funding information of oneself is inquired about, further to check respectively by network by user and enterprise.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN201710622751.0A CN107230062A (en) | 2017-07-27 | 2017-07-27 | Method of payment based on product subscription order |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN201710622751.0A CN107230062A (en) | 2017-07-27 | 2017-07-27 | Method of payment based on product subscription order |
Publications (1)
Publication Number | Publication Date |
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CN107230062A true CN107230062A (en) | 2017-10-03 |
Family
ID=59956181
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
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CN201710622751.0A Pending CN107230062A (en) | 2017-07-27 | 2017-07-27 | Method of payment based on product subscription order |
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CN (1) | CN107230062A (en) |
Cited By (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN108564389A (en) * | 2017-12-28 | 2018-09-21 | 广州道本信息科技有限公司 | A kind of preferential service platform of car insurance |
CN108734447A (en) * | 2018-05-29 | 2018-11-02 | 广东通莞科技股份有限公司 | A kind of mobile-payment system of micro services framework |
CN109493023A (en) * | 2018-10-17 | 2019-03-19 | 珠海横琴现联盛科技发展有限公司 | Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm |
CN109800551A (en) * | 2019-01-24 | 2019-05-24 | 四川雪宝乳业集团有限公司 | One kind is based on wechat end enterprise number and internal ERP system method for interchanging data |
CN110033255A (en) * | 2018-01-12 | 2019-07-19 | 石家庄晰清网络科技有限公司 | A method of it is paid the bill by wechat in website |
CN110175891A (en) * | 2019-05-24 | 2019-08-27 | 北京创鑫旅程网络技术有限公司 | Processing data information system, method and device |
CN113422758A (en) * | 2021-06-08 | 2021-09-21 | 深圳市欢太数字科技有限公司 | Data encryption method and device, Internet of things system, electronic equipment and storage medium |
CN115049385A (en) * | 2022-05-24 | 2022-09-13 | 福建天晴在线互动科技有限公司 | Method and system for ensuring purchase, recharge and account arrival of apples through online server |
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CN102646238A (en) * | 2011-02-16 | 2012-08-22 | 苏州同程旅游网络科技有限公司 | Internet-based payment channel integrating method |
CN106875163A (en) * | 2017-02-08 | 2017-06-20 | 焦点科技股份有限公司 | A kind of method for assembling payment gateway system automatically based on modularization |
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2017
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Patent Citations (2)
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CN102646238A (en) * | 2011-02-16 | 2012-08-22 | 苏州同程旅游网络科技有限公司 | Internet-based payment channel integrating method |
CN106875163A (en) * | 2017-02-08 | 2017-06-20 | 焦点科技股份有限公司 | A kind of method for assembling payment gateway system automatically based on modularization |
Cited By (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN108564389A (en) * | 2017-12-28 | 2018-09-21 | 广州道本信息科技有限公司 | A kind of preferential service platform of car insurance |
CN110033255A (en) * | 2018-01-12 | 2019-07-19 | 石家庄晰清网络科技有限公司 | A method of it is paid the bill by wechat in website |
CN108734447A (en) * | 2018-05-29 | 2018-11-02 | 广东通莞科技股份有限公司 | A kind of mobile-payment system of micro services framework |
CN109493023A (en) * | 2018-10-17 | 2019-03-19 | 珠海横琴现联盛科技发展有限公司 | Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm |
CN109493023B (en) * | 2018-10-17 | 2022-01-25 | 珠海横琴井通容智科技信息有限公司 | Mobile payment settlement method based on tamper-proof encryption algorithm |
CN109800551A (en) * | 2019-01-24 | 2019-05-24 | 四川雪宝乳业集团有限公司 | One kind is based on wechat end enterprise number and internal ERP system method for interchanging data |
CN110175891A (en) * | 2019-05-24 | 2019-08-27 | 北京创鑫旅程网络技术有限公司 | Processing data information system, method and device |
CN113422758A (en) * | 2021-06-08 | 2021-09-21 | 深圳市欢太数字科技有限公司 | Data encryption method and device, Internet of things system, electronic equipment and storage medium |
CN115049385A (en) * | 2022-05-24 | 2022-09-13 | 福建天晴在线互动科技有限公司 | Method and system for ensuring purchase, recharge and account arrival of apples through online server |
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Address after: 266000 11, level 6, software park, 288 Ningxia Road, Shinan District, Qingdao, Shandong. Applicant after: Sonley holding group Limited by Share Ltd Address before: 266000 A, 11 building, 6 tower, 288 Ningxia Road, Shinan District, Qingdao, Shandong. Applicant before: QINGDAO SONLI SOFTWARE INFORMATION TECHNOLOGY CO., LTD. |
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Application publication date: 20171003 |
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