CN111027950A - Payment signing system, method and device - Google Patents
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- CN111027950A CN111027950A CN201911141588.1A CN201911141588A CN111027950A CN 111027950 A CN111027950 A CN 111027950A CN 201911141588 A CN201911141588 A CN 201911141588A CN 111027950 A CN111027950 A CN 111027950A
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The application provides a payment signing system, a method and a device, wherein the system comprises: the account mechanism acquires the signing account information and the accepting mechanism selected by the user, and the clearing mechanism sends the signing account information to the accepting mechanism; the acceptance mechanism stores the signing account information and forwards the account confirmation information to the account mechanism through the clearing mechanism; after the account mechanism receives the account confirmation information, the acceptance mechanism generates payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the user identity; and the account mechanism generates a signing result after receiving the payment signing application confirmation information and sends the signing result to the user terminal for displaying. The problem that the subscription application is initiated by the acceptance mechanism, operation is complex, and the subscription application is inconvenient for users to use is solved, the user is prevented from manually inputting account information by rapidly initiating the subscription application on the operation interface corresponding to the account mechanism, the payment subscription efficiency is improved, the use requirements of the users are met, and the user experience is improved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a payment signing system, method, and apparatus.
Background
At present, in the network payment process, in order to facilitate payment, a user often selects a quick payment mode, that is, before first payment, the user completes the subscription of an acceptance mechanism and an account mechanism appointed account, and authorizes the acceptance mechanism to deduct money from the subscription account of the account mechanism in a silent mode.
In the related art, in the network payment signing process, after a user manually inputs account information on an operation interface corresponding to a receiving mechanism, the receiving mechanism initiates a signing application, and the operation is complicated.
Disclosure of Invention
The present application is directed to solving, at least to some extent, one of the technical problems in the related art.
Therefore, the payment signing system provided by the application solves the problems that in the network payment signing process in the prior art, after a user manually inputs account information on an operation interface corresponding to a handling mechanism, the handling mechanism initiates a signing application, the operation is complex, and the user is inconvenient to use.
The application provides a payment signing method.
The application provides a payment signing device.
The application provides an electronic device.
The present application provides a computer-readable storage medium.
An embodiment of an aspect of the present application provides a payment signing system, including: the system comprises a user terminal, an account mechanism, an acceptance mechanism and a clearing mechanism; wherein the content of the first and second substances,
the account mechanism is used for acquiring the signing account information and the acceptance mechanism selected by the user on the user terminal operation interface corresponding to the account mechanism;
the clearing mechanism is used for receiving the signed account information and the acceptance mechanism sent by the account mechanism and sending the signed account information to the acceptance mechanism;
the acceptance mechanism is used for storing the signing account information and forwarding account confirmation information to the account mechanism through the clearing mechanism;
the account mechanism is also used for sending the jump address to the user terminal after receiving the account confirmation information;
the acceptance mechanism is further configured to generate payment subscription application confirmation information corresponding to the subscription account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the user identity;
and the account mechanism is also used for generating a signing result and sending the signing result to the user terminal for displaying after receiving the payment signing application confirmation information.
Another embodiment of the present application provides a payment signing method, including:
acquiring signing account information and an acceptance mechanism selected by a user on a user terminal operation interface corresponding to an account mechanism;
sending the signing account information and the acceptance mechanism to a clearing mechanism so that the clearing mechanism sends the signing account information to the acceptance mechanism, the acceptance mechanism stores the signing account information, and account confirmation information is forwarded to an account mechanism through the clearing mechanism;
after receiving the account confirmation information, sending the jump address to the user terminal so that the acceptance mechanism generates payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the user identity;
and after receiving the payment signing application confirmation information, generating a signing result and sending the signing result to the user terminal for displaying.
In another aspect, an embodiment of the present application provides a payment signing apparatus, including:
the acquisition module is used for acquiring the signing account information and the acceptance mechanism selected by the user on the user terminal operation interface corresponding to the account mechanism;
the first sending module is used for sending the signing account information and the accepting mechanism to a clearing mechanism so that the clearing mechanism sends the signing account information to the accepting mechanism, the accepting mechanism stores the signing account information, and account confirmation information is forwarded to an account mechanism through the clearing mechanism;
the second sending module is used for sending the jump address to the user terminal after receiving the account confirmation information so that the acceptance mechanism generates payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the user identity;
and the generation display module is used for generating a signing result and sending the signing result to the user terminal for display after receiving the payment signing application confirmation information.
An embodiment of another aspect of the present application provides an electronic device, including: memory, a processor and a computer program stored on the memory and executable on the processor, when executing the program, implementing a payment signing method as described in an embodiment of the aforementioned aspect.
A further embodiment of the present application provides a computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, implements the payment signing method described in the aforementioned method embodiment.
The technical scheme provided by the embodiment of the application can have the following beneficial effects:
the account mechanism is used for acquiring the signed account information and the acceptance mechanism selected by the user on the user terminal operation interface corresponding to the account mechanism, and the clearing mechanism is used for receiving the signed account information and the acceptance mechanism sent by the account mechanism and sending the signed account information to the acceptance mechanism; the acceptance mechanism is used for storing the signing account information and forwarding the account confirmation information to the account mechanism through the clearing mechanism; the account mechanism is also used for sending the jump address to the user terminal after receiving the account confirmation information; the acceptance mechanism is also used for generating payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the identity of the user; and the account mechanism is also used for generating a signing result and sending the signing result to the user terminal for displaying after receiving the payment signing application confirmation information. The problems that in the prior art, after a user manually inputs account information on an operation interface corresponding to an acceptance mechanism, the acceptance mechanism initiates a signing application, operation is complex, and the user is inconvenient to use in a network payment signing process are solved.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
fig. 1 is a schematic structural diagram of a payment signing system according to an embodiment of the present application;
fig. 2 is a schematic flowchart of a payment signing method according to an embodiment of the present application;
fig. 3 is a schematic flowchart of another payment signing method provided in the embodiment of the present application;
fig. 4 is a schematic structural diagram of a payment signing apparatus according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of another payment signing apparatus according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary and intended to be used for explaining the present application and should not be construed as limiting the present application.
The payment sign-up system, method and apparatus of the embodiments of the present application are described below with reference to the accompanying drawings.
Fig. 1 is a schematic structural diagram of a payment signing system according to an embodiment of the present application.
As shown in fig. 1, the system includes: user terminal 101, account mechanism 102, acceptance mechanism 103, and clearing mechanism 104.
The clearing mechanism 104 is configured to receive the contracted account information and the accepting mechanism 103 transmitted by the account mechanism 102, and transmit the contracted account information to the accepting mechanism 103.
The acceptance mechanism 103 is configured to store the contract account information and forward the account confirmation information to the account mechanism 102 through the clearinghouse 104.
The account mechanism 102 is further configured to send the jump address to the user terminal 101 after receiving the account confirmation information.
The accepting mechanism 103 is further configured to generate payment contract application confirmation information corresponding to the contract account information after the user terminal 101 jumps to the processing interface corresponding to the accepting mechanism 103 to verify the user identity.
The account mechanism 102 is further configured to generate a subscription result and send the subscription result to the user terminal 101 for display after receiving the payment subscription application confirmation information.
Specifically, the participants of the payment contract include a user terminal 101, an account institution 102, an acceptance institution 103, and a clearing institution 104. Wherein, the user opens a fund account in the account mechanism 102, and selects the acceptance mechanism 103 as a payment channel in the transaction process; account institution 102 provides funding account management services for a user, typically a user may have one or more funding accounts at one account institution; the acceptance mechanism 103 provides a network payment channel for the user, so that the user can conveniently and quickly complete payment; the clearinghouse 104 is responsible for the transaction information transfer work during the network subscription process, and it can be understood that the user can perform information interaction with other organizations through the user terminal 101.
Specifically, there are many account institutions 102, such as a chinese bank, a business recruitment bank, and the like, and the corresponding account institution 102 may be selected for payment signing as needed, and there are many acceptance institutions 103, such as a payroll, a wechat, and the like, and the corresponding acceptance institution 103 may be selected for payment signing as needed.
Therefore, after the account mechanism 102 is determined, the user can select the signing account information and the accepting mechanism 103 on the operation interface of the user terminal 101 corresponding to the account mechanism 102, wherein the user terminal can be a mobile phone, or an account mechanism self-service terminal, and the like, and can be selected as required.
The subscription account information generally includes an account code and an account name.
Specifically, the account mechanism 102 acquires the contract account information and the accepting mechanism 103, and then transmits the contract account information to the clearing mechanism 104, and further the clearing mechanism 104 transfers the contract account information to the corresponding accepting mechanism 103, so that the accepting mechanism 103 stores the contract account information and transfers the account confirmation information to the account mechanism 102 through the clearing mechanism 104.
The clearing institution may have various kinds, such as a non-bank payment institution network payment clearing platform operated by the online clearing limited company, and the account confirmation information may include information for confirming receipt of the signed account information and a jump address.
Further, the account mechanism 102 transmits the jump address to the user terminal 101 after receiving the account confirmation information, and the acceptance mechanism 103 generates the payment contract application confirmation information corresponding to the contract account information after the user terminal 101 has jumped to the processing interface corresponding to the acceptance mechanism 103 to verify the user identity.
Accordingly, the account mechanism 102 generates a contract result after receiving the payment contract application confirmation information, and transmits the contract result to the user terminal 101 for display.
After receiving the payment contract application confirmation information, the account mechanism 102 needs to perform related verification and interaction to generate a contract result and display the contract result on the corresponding user terminal 101 in order to improve the validity and the security of the combination with the payment contract method.
As a possible implementation manner, the account mechanism 102 is further configured to receive a subscription application submitted by the receiving mechanism 104 to the clearing mechanism 104 by the receiving mechanism 104, verify the identity of the user, and return an information receipt to the clearing mechanism 104, the clearing mechanism 104 is further configured to forward the information receipt to the receiving mechanism 103, receive an operation interface corresponding to the receiving mechanism 103 of the user, fill in verification information, and forward the verification information to the clearing mechanism 104, the account mechanism 102 is further configured to receive verification information forwarded by the clearing mechanism 104, verify the verification information, generate a subscription result, and return the subscription result to the clearing mechanism 104, the clearing mechanism 104 is further configured to forward the subscription result to the receiving mechanism 103, and the account mechanism 102 is further configured to display the subscription result on an operation interface corresponding to the user terminal 101 of the receiving mechanism 103.
In the payment signing system of the embodiment of the application, the account mechanism is used for acquiring signing account information and an acceptance mechanism selected by a user on a user terminal operation interface corresponding to the account mechanism, and the clearing mechanism is used for receiving the signing account information and the acceptance mechanism sent by the account mechanism and sending the signing account information to the acceptance mechanism; the acceptance mechanism is used for storing the signing account information and forwarding the account confirmation information to the account mechanism through the clearing mechanism; the account mechanism is also used for sending the jump address to the user terminal after receiving the account confirmation information; the acceptance mechanism is also used for generating payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the identity of the user; and the account mechanism is also used for generating a signing result and sending the signing result to the user terminal for displaying after receiving the payment signing application confirmation information. The problems that in the prior art, after a user manually inputs account information on an operation interface corresponding to an acceptance mechanism, the acceptance mechanism initiates a signing application, operation is complex, and the user is inconvenient to use in a network payment signing process are solved.
In order to implement the foregoing embodiments, this embodiment provides a payment signing method, and fig. 2 is a schematic flow chart of the payment signing method provided in this embodiment.
As shown in fig. 2, described on the account authority side, the method may include the steps of:
Specifically, there are many account institutions 102, such as a chinese bank, a business recruitment bank, etc., and the corresponding account institution 102 may be selected for payment signing as needed, and there are many acceptance institutions in the same way, such as a pay bank, a WeChat, etc., and the corresponding acceptance institution may be selected for payment signing as needed.
Therefore, after the account mechanism is determined, the user can select the signed account information and the acceptance mechanism on the user terminal operation interface corresponding to the account mechanism, wherein the user terminal can be a mobile phone or an account mechanism self-service terminal and the like, and can be selected according to the requirement.
The subscription account information generally includes an account code and an account name.
Specifically, the account mechanism acquires the contract account information and the acceptance mechanism and then sends the contract account information and the acceptance mechanism to the clearing mechanism, and the clearing mechanism further forwards the contract account information to the corresponding acceptance mechanism, so that the acceptance mechanism stores the contract account information and forwards the account confirmation information to the account mechanism through the clearing mechanism.
The clearing institution may have various kinds, such as a non-bank payment institution network payment clearing platform operated by the online clearing limited company, and the account confirmation information may include information for confirming receipt of the signed account information and a jump address.
After receiving the account confirmation information, the jump address is sent to the user terminal in various ways, as an example, the interaction identifier and the jump address corresponding to the account confirmation information are determined, and after the account information is determined to be correct according to the interaction identifier, the jump address is sent to the user terminal.
And step 203, after receiving the account confirmation information, sending the jump address to the user terminal so that the acceptance mechanism generates payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the user identity.
And step 204, after receiving the payment signing application confirmation information, generating a signing result and sending the signing result to the user terminal for displaying.
Further, after receiving the account confirmation information, the account mechanism transmits the jump address to the user terminal, and after the user terminal jumps to the processing interface corresponding to the acceptance mechanism to verify the user identity, the acceptance mechanism 103 generates the payment signing application confirmation information corresponding to the signing account information.
Therefore, the account mechanism generates a signing result after receiving the payment signing application confirmation information and sends the signing result to the user terminal for displaying.
It should be noted that, after receiving the payment contract application confirmation information, the account mechanism needs to perform related verification and interaction to generate a contract result and display the contract result on the corresponding user terminal in order to improve the validity and the security of the combination with the payment contract method.
As a possible implementation manner, receiving a contract application submitted by a clearing institution to the clearing institution by a clearing institution forwarding acceptance mechanism, verifying the identity of a user, and returning an information receipt to the clearing institution, so that the clearing institution forwards the information receipt to the acceptance mechanism, receiving the verification information filled in by the user on an operation interface corresponding to the acceptance mechanism and forwarding the verification information to the clearing institution, and generating a contract result to be sent to the user terminal for display includes: and receiving the verification information forwarded by the clearing mechanism, verifying the verification information to generate a signing result, returning the signing result to the clearing mechanism, so that the clearing mechanism forwards the signing result to the accepting mechanism, and displaying the signing result on an operation interface corresponding to a user terminal of the accepting mechanism.
As an example, the accepting mechanism performs authentication on the user identity by jumping to a processing interface corresponding to the accepting mechanism at the user terminal, including: sending verification information to a target device corresponding to the user, such as a mobile phone, receiving input information of the user on a processing interface, judging whether the verification information is consistent with the input information, and if so, determining that the user identity is verified.
In the payment signing method of the embodiment of the application, the signing account information and the accepting mechanism selected by a user at a user terminal operation interface corresponding to an account mechanism are obtained, the signing account information and the accepting mechanism are sent to a clearing mechanism, so that the clearing mechanism sends the signing account information to the accepting mechanism, the accepting mechanism stores the signing account information, the account confirmation information is forwarded to the account mechanism through the clearing mechanism, after the account confirmation information is received, a jump address is sent to the user terminal, so that the accepting mechanism generates the payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to a processing interface corresponding to the accepting mechanism to verify the identity of the user, and after the payment signing application confirmation information is received, a signing result is generated and sent to the user terminal to be displayed. The method solves the problems that in the prior art, after the user manually inputs account information on the operation interface corresponding to the acceptance mechanism, the acceptance mechanism initiates a signing application, the operation is complex, the user is inconvenient to use, the signing application is rapidly initiated on the operation interface corresponding to the account mechanism, the user manually inputs account information, the payment signing efficiency is improved, the user using requirements are met, and the user experience is improved.
In order to make the above process more clear to the skilled person, it is described in detail below with reference to fig. 3.
Specifically, in the related art, when the acceptance mechanism initiates a payment contract request, the user is required to input the information of the contract-signed account, and before each contract request, the information of the code, the name, and the like of the contract-signed account needs to be manually input, so that the operation is complicated, and for an irregular account code, the user is difficult to input correctly at one time, that is, the user cannot initiate a network contract request through an account mechanism operation interface.
In the application, a user can manage a self account on an operation interface corresponding to an account mechanism, and an acceptance mechanism cannot provide an account management service equivalent to the account mechanism, so that the user can be supported to initiate a network subscription from the operation interface of the account mechanism, a link of manually inputting account information by the user is avoided, and the user is supported to initiate the subscription from the operation interface of the account mechanism, as shown in fig. 3 specifically:
(1) a user selects a to-be-signed account and an acceptance mechanism on a user terminal operation interface corresponding to an account mechanism, and initiates a signing application; (2) the account mechanism transfers the signing account information and the acceptance mechanism to a clearing mechanism; (3) the clearing mechanism transfers the signing account information to the accepting mechanism; (4) the acceptance mechanism retains the signing account information; (5) the acceptance mechanism transfers the account information confirmation to the clearing mechanism; (6) the clearinghouse forwards the account information confirmation to the account house; (7) after confirming that the account information is correct, the account mechanism jumps to a user terminal operation interface corresponding to the acceptance mechanism; (8) the acceptance mechanism checks the identity of the user; (9) and checking the information to be signed by the user on the operation interface of the acceptance mechanism, and confirming the signing application.
(10) The acceptance mechanism submits a signing application to the clearing mechanism; (11) the clearing mechanism transmits a signing application to the account mechanism; (12) the account institution carries out user identity verification; (13) the account mechanism returns the information receipt to the clearing mechanism; (14) the clearing mechanism forwards the information receipt to the accepting mechanism; (15) the user fills in the verification information in the operation interface corresponding to the acceptance mechanism; (16) the acceptance mechanism forwards the verification information to the clearing mechanism; (17) the clearing institution forwards the verification information to the account institution; (18) the account mechanism checks the verification information and completes signing; (19) the account mechanism returns the signing result to the clearing mechanism; (20) the clearing mechanism forwards the signing result to the accepting mechanism; (21) and the user terminal operation interface corresponding to the acceptance mechanism displays the signing result to the user.
Therefore, the account information is prevented from being manually input by a user, the user experience is improved, a signing application initiating entrance is provided for an account mechanism, and the use requirements of the user are met.
In order to implement the above embodiment, the present application further provides a payment signing apparatus.
Fig. 4 is a schematic structural diagram of a payment signing apparatus according to an embodiment of the present application.
As shown in fig. 4, the apparatus includes: the device comprises an acquisition module 401, a first sending module 402, a second sending module 403 and a generating and displaying module 404.
The obtaining module 401 is configured to obtain the signing account information and the accepting mechanism selected by the user on the user terminal operation interface corresponding to the account mechanism.
A first sending module 402, configured to send the contract account information and the accepting mechanism to a clearing mechanism, so that the clearing mechanism sends the contract account information to the accepting mechanism, and the accepting mechanism stores the contract account information and forwards account confirmation information to an account mechanism through the clearing mechanism.
A second sending module 403, configured to send the jump address to the user terminal after receiving the account confirmation information, so that the acceptance mechanism generates payment contract application confirmation information corresponding to the contract account information after the user terminal jumps to the processing interface corresponding to the acceptance mechanism to verify the user identity.
And a generating and displaying module 404, configured to generate a signing result and send the signing result to the user terminal for displaying after receiving the payment signing application confirmation information.
Further, in a possible implementation manner of the embodiment of the present application, as shown in fig. 5, the method further includes: a receiving module 405 and an authentication return module 406.
The receiving module 405 is configured to receive a subscription application submitted by a clearing institution to a clearing institution by a clearing institution forwarding acceptance mechanism.
And the verification returning module 406 is configured to verify the identity of the user, and return the information receipt to the clearing mechanism, so that the clearing mechanism forwards the information receipt to the acceptance mechanism, receives the verification information filled in the operation interface corresponding to the acceptance mechanism by the user, and forwards the verification information to the clearing mechanism.
The generating and displaying module 404 is specifically configured to: receiving the verification information forwarded by the clearing mechanism, verifying the verification information to generate the signing result, and returning the signing result to the clearing mechanism so that the clearing mechanism forwards the signing result to the acceptance mechanism; and displaying the signing result on an operation interface corresponding to the user terminal of the acceptance mechanism.
In a possible implementation manner of the embodiment of the present application, the verifying the user identity by the acceptance mechanism when the user terminal jumps to a processing interface corresponding to the acceptance mechanism includes: sending verification information to target equipment corresponding to a user; receiving input information of a user on the processing interface; and judging whether the verification information is consistent with the input information or not, and if so, determining that the user identity is verified.
In a possible implementation manner of the embodiment of the present application, after receiving the account confirmation information, sending a jump address to the user terminal includes:
determining an interactive identifier and a jump address corresponding to the account confirmation information; and after the account information is determined to be correct according to the interactive identification, sending the jump address to the user terminal.
It should be noted that the foregoing explanation of the method embodiment is also applicable to the apparatus of this embodiment, and is not repeated herein.
In the payment signing device of the embodiment of the application, the signing account information and the accepting mechanism selected by a user at the user terminal operation interface corresponding to the account mechanism are obtained, the signing account information and the accepting mechanism are sent to the clearing mechanism, so that the clearing mechanism sends the signing account information to the accepting mechanism, the accepting mechanism stores the signing account information, the account confirmation information is forwarded to the account mechanism through the clearing mechanism, after the account confirmation information is received, the jump address is sent to the user terminal, so that the accepting mechanism generates the payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to the processing interface corresponding to the accepting mechanism to verify the identity of the user, and after the payment signing application confirmation information is received, a signing result is generated and sent to the user terminal for display. The method solves the problems that in the prior art, after the user manually inputs account information on the operation interface corresponding to the acceptance mechanism, the acceptance mechanism initiates a signing application, the operation is complex, the user is inconvenient to use, the signing application is rapidly initiated on the operation interface corresponding to the account mechanism, the user manually inputs account information, the payment signing efficiency is improved, the user using requirements are met, and the user experience is improved.
In order to implement the foregoing embodiments, an embodiment of the present application provides an electronic device, including: the payment signing method comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the program to realize the payment signing method according to the method embodiment executed by the terminal device.
In order to implement the foregoing embodiments, the present application provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the payment signing method described in the foregoing method embodiments.
In the description herein, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present application in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present application.
The logic and/or steps represented in the flowcharts or otherwise described herein, e.g., an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the computer-readable medium would include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM). Additionally, the computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via for instance optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner if necessary, and then stored in a computer memory.
It should be understood that portions of the present application may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. If implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc. Although embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present application, and that variations, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present application.
Claims (10)
1. A payment sign-up system, comprising: the system comprises a user terminal, an account mechanism, an acceptance mechanism and a clearing mechanism; wherein the content of the first and second substances,
the account mechanism is used for acquiring the signing account information and the acceptance mechanism selected by the user on the user terminal operation interface corresponding to the account mechanism;
the clearing mechanism is used for receiving the signed account information and the acceptance mechanism sent by the account mechanism and sending the signed account information to the acceptance mechanism;
the acceptance mechanism is used for storing the signing account information and forwarding account confirmation information to the account mechanism through the clearing mechanism;
the account mechanism is also used for sending the jump address to the user terminal after receiving the account confirmation information;
the acceptance mechanism is further configured to generate payment subscription application confirmation information corresponding to the subscription account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the user identity;
and the account mechanism is also used for generating a signing result and sending the signing result to the user terminal for displaying after receiving the payment signing application confirmation information.
2. The payment sign-up system of claim 1, further comprising:
the account mechanism is also used for receiving a signing application which is forwarded to the clearing mechanism by the acceptance mechanism and submitted to the clearing mechanism by the clearing mechanism, verifying the identity of the user and returning an information receipt to the clearing mechanism;
the clearing mechanism is also used for forwarding the information receipt to the acceptance mechanism, receiving the check information filled in by the user on the operation interface corresponding to the acceptance mechanism and forwarding the check information to the clearing mechanism;
the account mechanism is also used for receiving the verification information forwarded by the clearing mechanism, verifying the verification information to generate the signing result and returning the signing result to the clearing mechanism;
the clearing mechanism is also used for forwarding the signing result to the accepting mechanism;
the account mechanism is further configured to display the subscription result on an operation interface corresponding to the user terminal of the acceptance mechanism.
3. A payment signing method, comprising the steps of:
acquiring signing account information and an acceptance mechanism selected by a user on a user terminal operation interface corresponding to an account mechanism;
sending the signing account information and the acceptance mechanism to a clearing mechanism so that the clearing mechanism sends the signing account information to the acceptance mechanism, the acceptance mechanism stores the signing account information, and account confirmation information is forwarded to an account mechanism through the clearing mechanism;
after receiving the account confirmation information, sending the jump address to the user terminal so that the acceptance mechanism generates payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the user identity;
and after receiving the payment signing application confirmation information, generating a signing result and sending the signing result to the user terminal for displaying.
4. The payment signing method of claim 3, wherein prior to the generating the signing result being sent to the user terminal for display, further comprising:
receiving a signing application submitted to a clearing mechanism by a clearing mechanism forwarding acceptance mechanism;
verifying the identity of the user, returning an information receipt to the clearing mechanism so that the clearing mechanism forwards the information receipt to the acceptance mechanism, receiving the verification information filled in by the user on an operation interface corresponding to the acceptance mechanism, and forwarding the verification information to the clearing mechanism;
the generating and signing result is sent to the user terminal for displaying, which comprises the following steps:
receiving the verification information forwarded by the clearing mechanism, verifying the verification information to generate the signing result, and returning the signing result to the clearing mechanism so that the clearing mechanism forwards the signing result to the acceptance mechanism;
and displaying the signing result on an operation interface corresponding to the user terminal of the acceptance mechanism.
5. The payment signing method of claim 3, wherein the acceptance mechanism verifies the user identity when the user terminal jumps to a processing interface corresponding to the acceptance mechanism, comprising:
sending verification information to target equipment corresponding to a user;
receiving input information of a user on the processing interface;
and judging whether the verification information is consistent with the input information or not, and if so, determining that the user identity is verified.
6. A payment sign-on method as claimed in claim 3, the sending a jump address to the user terminal after receiving the account confirmation information, comprising:
determining an interactive identifier and a jump address corresponding to the account confirmation information;
and after the account information is determined to be correct according to the interactive identification, sending the jump address to the user terminal.
7. A payment signing apparatus, comprising the steps of:
the acquisition module is used for acquiring the signing account information and the acceptance mechanism selected by the user on the user terminal operation interface corresponding to the account mechanism;
the first sending module is used for sending the signing account information and the accepting mechanism to a clearing mechanism so that the clearing mechanism sends the signing account information to the accepting mechanism, the accepting mechanism stores the signing account information, and account confirmation information is forwarded to an account mechanism through the clearing mechanism;
the second sending module is used for sending the jump address to the user terminal after receiving the account confirmation information so that the acceptance mechanism generates payment signing application confirmation information corresponding to the signing account information after the user terminal jumps to a processing interface corresponding to the acceptance mechanism to verify the user identity;
and the generation display module is used for generating a signing result and sending the signing result to the user terminal for display after receiving the payment signing application confirmation information.
8. The payment signing apparatus of claim 7, further comprising:
the receiving module is used for receiving a signing application submitted to the clearing mechanism by a clearing mechanism forwarding acceptance mechanism;
the verification return module is used for verifying the identity of the user and returning the information receipt to the clearing mechanism so that the clearing mechanism forwards the information receipt to the acceptance mechanism, receives the verification information filled in the operation interface corresponding to the acceptance mechanism by the user and forwards the verification information to the clearing mechanism;
the generation display module is specifically configured to:
receiving the verification information forwarded by the clearing mechanism, verifying the verification information to generate the signing result, and returning the signing result to the clearing mechanism so that the clearing mechanism forwards the signing result to the acceptance mechanism;
and displaying the signing result on an operation interface corresponding to the user terminal of the acceptance mechanism.
9. An electronic device, comprising: memory, processor and computer program stored on the memory and executable on the processor, the processor when executing the program implementing a payment signing method as claimed in any one of claims 3-6.
10. A computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, carries out the payment signing method according to any one of claims 3-6.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911141588.1A CN111027950B (en) | 2019-11-20 | 2019-11-20 | Payment signing system, method and device |
| PCT/CN2020/129100 WO2021098646A1 (en) | 2019-11-20 | 2020-11-16 | Payment subscription system, and method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911141588.1A CN111027950B (en) | 2019-11-20 | 2019-11-20 | Payment signing system, method and device |
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| Publication Number | Publication Date |
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| CN111027950A true CN111027950A (en) | 2020-04-17 |
| CN111027950B CN111027950B (en) | 2023-05-23 |
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| CN201911141588.1A Active CN111027950B (en) | 2019-11-20 | 2019-11-20 | Payment signing system, method and device |
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| Country | Link |
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| CN (1) | CN111027950B (en) |
| WO (1) | WO2021098646A1 (en) |
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| WO2021098646A1 (en) * | 2019-11-20 | 2021-05-27 | 网联清算有限公司 | Payment subscription system, and method and device |
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| CN110175828B (en) * | 2019-04-10 | 2021-02-23 | 创新先进技术有限公司 | User verification method and device based on bank card quick payment signing |
| CN111027950B (en) * | 2019-11-20 | 2023-05-23 | 网联清算有限公司 | Payment signing system, method and device |
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| CN104299130A (en) * | 2013-07-17 | 2015-01-21 | 中国银联股份有限公司 | Security payment system and security payment method based on internet |
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| WO2021098646A1 (en) | 2021-05-27 |
| CN111027950B (en) | 2023-05-23 |
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