CN112651727A

CN112651727A - On-site shopping payment-replacing method, acquiring bank server and system

Info

Publication number: CN112651727A
Application number: CN202011519507.XA
Authority: CN
Inventors: 镇超; 朱国平; 卞小香; 雷兵
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-12-21
Filing date: 2020-12-21
Publication date: 2021-04-13
Anticipated expiration: 2040-12-21
Also published as: CN112651727B

Abstract

The invention provides a method for on-site shopping instead of payment, a acquirer server and a system, which can be used in the financial field or other technical fields. The method comprises the following steps: receiving a payment-for-delivery transaction request sent by a merchant terminal; determining a mobile phone number and a payment account corresponding to the payment identifier according to the payment identifier, and generating verification information and payment information according to the shopping site picture and the order information; sending payment withholding request information to a mobile terminal corresponding to the mobile phone number, wherein the payment withholding request information comprises the verification information and the payment information; and if the order payment confirmation information is received and the verification confirmation information included in the order payment confirmation information is matched with the verification information, performing order payment processing according to the order information and the payment account number to complete the order payment transaction. The acquirer server is used for executing the method. The method for paying instead of on-site shopping, the acquiring bank server and the system provided by the embodiment of the invention improve the convenience of payment.

Description

On-site shopping payment-replacing method, acquiring bank server and system

Technical Field

The invention relates to the technical field of electronic payment, in particular to a method for replacing payment in site shopping, a server and a system for acquiring a bank.

Background

In real life, with the development of network technology, network payment becomes the main payment means of people.

The network payment brings great convenience to people who use network payment such as smart phones. However, for many people who cannot or are inconvenient to use network payment tools such as smart phones, such as the elderly, minors and disabled, the people cannot enjoy the convenience of network payment, and especially considering that China has entered into an aging society, the people have huge elderly people.

Therefore, how to propose a payment method that enables people who do not use internet payment to enjoy the convenience of internet payment on the premise of ensuring the payment security is an important issue to be solved in the field.

Disclosure of Invention

Aiming at the problems in the prior art, the embodiment of the invention provides a method for paying instead of on-site shopping, a waybill server and a system, which can at least partially solve the problems in the prior art.

In a first aspect, the present invention provides a method for replacing a payment for on-site shopping, comprising:

receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier;

determining a mobile phone number and a payment account corresponding to the payment identifier according to the payment identifier, and generating verification information and payment information according to the shopping site picture and the order information;

sending payment withholding request information to a mobile terminal corresponding to the mobile phone number, wherein the payment withholding request information comprises the verification information and the payment information;

if the order payment generation confirmation information is received and the verification confirmation information included in the order payment generation confirmation information is matched with the verification information, performing order payment processing according to the order information and the payment account number to complete the order payment transaction; wherein the payment withholding confirmation information is returned by the mobile terminal.

In a second aspect, the present invention provides an acquirer server, including:

the system comprises a receiving unit, a payment withholding unit and a payment processing unit, wherein the receiving unit is used for receiving a payment withholding transaction request sent by a merchant terminal, and the payment withholding transaction request comprises order information, a shopping site photo and a payment identifier;

the determining unit is used for determining a mobile phone number and a payment account corresponding to the payment identifier according to the payment identifier, and generating verification information and payment information according to the shopping site picture and the order information;

a sending unit, configured to send a payment withholding request message to a mobile terminal corresponding to the mobile phone number, where the payment withholding request message includes the verification information and the payment information;

the payment withholding processing unit is used for carrying out order payment processing according to the order information and the payment account number to complete payment withholding transaction after receiving payment withholding confirmation information and verification confirmation information included in the payment withholding confirmation information is matched with the verification information; wherein the payment withholding confirmation information is returned by the mobile terminal.

In a third aspect, the present invention provides a system for paying by oneself for on-site shopping, including the acquirer server, the merchant terminal, and the mobile terminal according to any of the above embodiments, wherein:

the merchant terminal is in communication connection with the acquiring bank server, and the acquiring bank server is in wireless communication connection with the mobile terminal.

In a fourth aspect, the present invention provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the steps of the method for replacing and paying for live shopping described in any of the above embodiments.

In a fifth aspect, the present invention provides a computer-readable storage medium, on which a computer program is stored, the computer program, when being executed by a processor, implementing the steps of the method for making a substitute payment for on-site shopping described in any one of the above embodiments.

The method, the server and the system for paying instead of the on-site shopping provided by the embodiment of the invention can receive a request for paying instead of the trade sent by a merchant terminal, wherein the request for paying instead of the trade comprises order information, a picture of a shopping site and a payment identifier, a mobile phone number and a payment account corresponding to the payment identifier are determined according to the payment identifier, verification information and payment information are generated according to the picture of the shopping site and the order information, the request for paying instead of the trade is sent to a mobile terminal corresponding to the mobile phone number, the request for paying instead of the trade comprises the verification information and the payment information, if the confirmation information for paying instead of the trade is received and the verification information comprised by the confirmation information for paying instead of the trade is matched with the verification information, the order payment processing is carried out according to the order information and the payment account to complete the transaction for paying instead of the trade, the merchant terminal initiates, the system can provide convenient and safe payment service for the old and the crowd who are not convenient to use network payment tools such as smart phones, and the convenience of payment is improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

fig. 1 is a schematic structural diagram of a payment replacement system for on-site shopping according to a first embodiment of the present invention.

Fig. 2 is a flow chart illustrating a method for replacing payment for on-site shopping according to a second embodiment of the present invention.

Fig. 3 is a flow chart illustrating a method for replacing payment for on-site shopping according to a third embodiment of the present invention.

Fig. 4 is a flowchart illustrating a method for replacing payment for on-site shopping according to a fourth embodiment of the present invention.

Fig. 5 is a flowchart of an alternative payment method for on-site shopping according to a fifth embodiment of the present invention.

Fig. 6 is a schematic structural diagram of a payment replacement system for on-site shopping according to a sixth embodiment of the present invention.

Fig. 7 is a flowchart illustrating a method for replacing payment for on-site shopping according to a seventh embodiment of the present invention.

Fig. 8 is a flowchart illustrating a method for replacing payment for on-site shopping according to an eighth embodiment of the present invention.

Fig. 9 is a flowchart illustrating a method for replacing payment for on-site shopping according to a ninth embodiment of the present invention.

Fig. 10 is a flowchart of an alternative payment method for on-site shopping according to a tenth embodiment of the present invention.

Fig. 11 is a schematic flowchart of a registration application of a payment identifier according to an eleventh embodiment of the present invention.

Fig. 12 is a schematic structural diagram of an acquirer server according to a twelfth embodiment of the present invention.

Fig. 13 is a schematic structural diagram of an acquirer server according to a thirteenth embodiment of the present invention.

Fig. 14 is a schematic structural diagram of an acquirer server according to a fourteenth embodiment of the present invention.

Fig. 15 is a schematic structural diagram of an acquirer server according to a fifteenth embodiment of the present invention.

Fig. 16 is a schematic structural diagram of an acquirer server according to a sixteenth embodiment of the present invention.

Fig. 17 is a schematic structural diagram of an acquirer server according to a seventeenth embodiment of the present invention.

Fig. 18 is a schematic physical structure diagram of an electronic device according to an eighteenth embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.

In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application. By using the method for on-site shopping generation payment provided by the embodiment of the invention, a bank can cooperate with widely distributed merchants, so that the group which originally has little or no convenience in using a network payment tool can conveniently and safely enjoy the payment experience brought by network payment, and a generation party can conveniently and quickly control the payment scene, the amount and the like of minors, thus overcoming the defects of the existing network payment technology in the field of generation payment, facilitating the expansion of retail business by the bank and improving the convenience and the safety of generation payment transaction.

Fig. 1 is a schematic structural diagram of a payment system for on-site shopping according to a first embodiment of the present invention, and as shown in fig. 1, the payment system for on-site shopping according to the embodiment of the present invention includes an acquiring bank server 1, a merchant terminal 2 and a mobile terminal 3, where:

the merchant terminal 2 is in communication connection with the acquiring bank server 1, and the acquiring bank server 1 is in wireless communication connection with the mobile terminal 3. The merchant terminal 2 may be a desktop computer, a notebook computer, or the like. The mobile terminal 3 may adopt a smart phone, a tablet computer, or the like.

The merchant terminal 2 is used for generating order information and initiating a payment-for-use transaction request, the acquirer server 1 is used for executing the payment-for-use method for on-site shopping provided by the embodiment of the invention, the payment-for-use transaction request is processed, and the mobile terminal 3 is used for confirming the payment-for-use transaction. The acquiring bank of the merchant corresponding to the merchant terminal 2 is the same as the account opening bank of the payment assistant customer corresponding to the mobile terminal 3.

The merchant terminal 2 is used for sending a payment-for-payment transaction request to the acquiring bank server 1, wherein the payment-for-payment transaction request comprises order information, a shopping site photo and a payment identifier;

the mobile terminal 3 is used for receiving the payment withholding request information sent by the acquiring bank server 1 and returning payment withholding confirmation information to the acquiring bank server 1, wherein the payment withholding confirmation information comprises verification confirmation information;

the acquiring bank server 1 is used for inquiring a mobile phone number and a payment account corresponding to the payment identifier according to the payment identifier after judging that the payment identifier belongs to the acquiring bank, and generating verification information and payment information according to the shopping site picture and the order information; sending a payment withholding request message carrying the verification message and the payment message to the mobile terminal 3, and after receiving payment withholding confirmation message returned by the mobile terminal 3 and the verification confirmation message included in the payment withholding confirmation message is matched with the verification message, carrying out order payment processing according to the order message and the payment account number to complete payment withholding transaction.

Fig. 2 is a schematic flow chart of a method for replacing payment for on-site shopping according to a second embodiment of the present invention, and as shown in fig. 2, the method for replacing payment for on-site shopping according to the embodiment of the present invention includes:

s201, receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier;

specifically, when a customer purchases a commodity on site, if the customer is inconvenient to pay, the customer can choose to purchase the commodity in a payment-by-payment mode. The method comprises the steps that a client provides a payment identifier for a merchant, the merchant collects a picture of on-site shopping of the client as a picture of a shopping site, the merchant generates order information for commodities purchased by the client through a merchant terminal, and then sends a payment-instead transaction request to an acquiring bank server, wherein the payment-instead transaction request can comprise the order information, the picture of the shopping site and the payment identifier. The acquirer server receives the payment withholding transaction request. The order information may include order summary information and commodity detail information, and the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs, which is not limited in the embodiment of the present invention. The commodity detail information may include information such as a commodity name, a commodity number, and a commodity unit price, and is set according to actual needs, which is not limited in the embodiment of the present invention. The payment identifier may be obtained by applying for in advance by a bank corresponding to the acquirer server for a payment client. The paying-instead customer is a person who pays instead of others, for example, the paying-instead customer can pay for commodities purchased by own parents, friends and children.

For example, a son is less likely to use a network payment tool, a son is a son to facilitate the father to shop in a shopping mall, a bank a transacts a payment agency service, applies for a payment identifier e, and informs the father of the payment identifier e.

When a certain shop arrives at a shopping mall for shopping, a certain commodity is selected and purchased by a merchant b, staff of the merchant b is informed of payment in a payment-on-behalf mode, and a payment identifier e is informed, and an acquiring bank of the merchant b is a bank a. The staff of the merchant B inputs the payment identifier e into the merchant terminal B, and takes a certain shopping commodity with the payment identifier e and takes a picture through the camera, and the obtained picture is taken as a certain shopping site picture and is transmitted to the merchant terminal B of the merchant B. And then, the staff of the merchant B generates order information for a certain purchased commodity through the merchant terminal B, wherein the order information comprises order abstract information and commodity detail information, and the order abstract information comprises an order number, a merchant identifier of the merchant B, an address of the merchant B, a transaction timestamp and payment amount. And the staff of the merchant B sends a payment-instead transaction request to an acquiring bank server A of the merchant B through a merchant terminal B, wherein the payment-instead transaction request comprises the order information, a certain shopping site photo and a payment identifier e.

S202, if the payment identifier belongs to an acquirer, locally inquiring to obtain a first generation payment inquiry result, wherein the first generation payment inquiry result comprises a mobile phone number and a payment account number corresponding to the payment identifier, and generating verification information and payment information according to the shopping site picture and the order information;

specifically, after receiving the payment-for-delivery transaction request, the acquirer server may determine whether the payment identifier belongs to an acquirer, and if the payment identifier belongs to an acquirer, may locally query, according to the payment identifier, a first payment query result, where the first payment query result includes a mobile phone number and a payment account number corresponding to the payment identifier. The acquiring bank server can also generate verification information and payment information according to the shopping site photo and the order information, and the verification information is generated based on the shopping site photo and the order information, so that the phenomenon that the payment-by-agency transaction is tampered can be avoided, and the security of the payment-by-agency transaction is improved. The payment information may include an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs. The verification information is used for payment verification. When the payment identification is applied by the payment client, information such as a mobile phone number, a payment account and the like is provided for a bank, and the payment identification is stored in a correlation manner with the information such as the mobile phone number, the payment account and the like.

For example, the acquirer server may query whether the same payment identifier exists in the database according to the payment identifier, and if so, the payment identifier is applied by a bank corresponding to the acquirer server, and the payment identifier belongs to an acquirer. Or, the payment identification includes a bank identification bit, the acquiring bank server can obtain the bank identification bit from the payment identification, if the bank identification bit in the payment identification is the same as the bank identification bit of the bank corresponding to the acquiring bank server, the payment identification is applied by the bank corresponding to the acquiring bank server, and the payment identification belongs to the acquiring bank. The bank identification positions correspond to banks one by one. The payment identification is in one-to-one correspondence with the bank identification position.

For example, after receiving the payment-for-delivery transaction request sent by the merchant terminal B, the acquirer server a may query the bank identifier of the bank a from the payment identifier e, and then determine that the payment identifier e belongs to the bank a corresponding to the acquirer server a. The acquiring bank server A can inquire and obtain a mobile phone number and a payment account number corresponding to the payment identifier e according to the payment identifier e, wherein the mobile phone number is a small mobile phone number and corresponds to a small smart phone C, and the payment account number is a bank account number opened by a bank a in a bank.

The acquiring bank server A also generates a verification code according to the order information and a certain shopping site photo included in the payment-for-agent transaction request, and generates payment information according to the order information, wherein the verification code is used as verification information of the payment-for-agent transaction, and the acquiring bank server A stores the verification code locally for a period of time. The specific generation mode of the verification code is set according to actual needs, and the embodiment of the invention is not limited.

S203, sending payment withholding request information to a mobile terminal corresponding to the mobile phone number, wherein the payment withholding request information comprises the verification information and the payment information;

specifically, after obtaining the mobile phone number, the acquirer server sends a payment withholding request message to the mobile terminal corresponding to the mobile phone number, where the payment withholding request message includes the verification information and the payment information. The mobile terminal displays the authentication information and the payment information. After checking the verification information and the payment information displayed by the mobile terminal, the payment information is confirmed by the payment-making customer, and payment-making confirmation information is returned to the acquiring bank server through the mobile terminal, wherein the payment-making confirmation information may include verification confirmation information, and the verification confirmation information is fed back based on the verification information.

For example, the acquiring bank server a sends payment request information to the smartphone C corresponding to the cell phone number of the small sheet, where the payment request information includes a verification code and payment information, and the payment information includes an order number, a merchant identifier of the merchant b, an address of the merchant b, a transaction timestamp, and a payment amount. The verification code is generated based on a certain shopping site picture and order information.

After receiving the payment agency request information, the smart phone C can display the payment agency request information, after the payment agency request information is checked by the waitress, if the payment agency transaction is questioned, a certain phone number can be dialed, whether the certain number is shopping or not can be checked through telephone communication, and after the certain number is checked and confirmed to be shopping at the merchant b, the payment agency transaction can be confirmed. If the small sheet is found to be a regular shopping merchant in father through the payment information, the payment-withholding transaction can be directly confirmed. The petaloid can send the payment-for-delivery confirmation information to the acquiring bank server A through the smart phone C, the payment-for-delivery confirmation information comprises the verification code input by the petaloid through the smart phone C, and the verification code included in the payment-for-delivery confirmation information serves as verification confirmation information.

It can be understood that if the small card communicates with a certain telephone of the father card to find that the father card does not shop at the merchant b, the payment-by-agent transaction information is not confirmed. Meanwhile, for the sake of safety, the customer service of the bank a can be contacted to freeze the payment identifier e.

S204, if the payment generation confirmation information is received and the verification confirmation information included in the payment generation confirmation information is matched with the verification information, performing order payment processing according to the order information and the payment account number to complete the payment generation transaction; wherein the payment withholding confirmation information is returned by the mobile terminal.

Specifically, if the acquirer server receives the payment-for-delivery confirmation information returned by the mobile terminal and determines that the verification confirmation information included in the payment-for-delivery confirmation information matches the verification information, the acquirer server may perform order payment processing according to the order information and the payment account, and may send payment success information to the merchant terminal and the mobile terminal after the order payment is successful. After checking the payment success information, the staff of the merchant can inform the customer that the payment is successful and can leave with the purchased goods.

For example, the smartphone C sends the acquirer server a payment-for-delivery confirmation message including the verification code input by the smartphone C for the sheetlet. After receiving the surcharge confirmation information, the acquirer server A acquires the verification code from the surcharge confirmation information, compares the verification code included in the surcharge confirmation information with the locally stored verification code, and if the verification code included in the surcharge confirmation information is the same as the locally stored verification code, the surcharge confirmation information included in the surcharge confirmation information is matched with the verification information. The acquiring bank server A can acquire the merchant identification and the payment amount of the merchant b from the order information, can inquire and acquire a bank account number opened by the merchant b in the bank a according to the merchant identification of the merchant b, then initiates a transfer transaction, and transfers the payment amount from the payment account number corresponding to the payment identification e to the bank account number opened by the merchant b in the bank a. After the transfer is completed, the acquiring bank server A sends successful payment information to the merchant terminal B, and after the staff of the merchant B sees the successful payment information, the staff informs that a certain payment transaction is completed and the commodity is successfully purchased. The acquirer server a may also send payment success information to the smartphone C.

The method for on-site shopping payment by the embodiment of the invention can receive the transaction request of payment by the merchant terminal, after judging that the payment identifier belongs to the acquirer, inquiring a mobile phone number and a payment account corresponding to the payment identifier according to the payment identifier, and generates verification information and payment information according to the shopping site picture and the order information, sends payment withholding request information to the mobile terminal corresponding to the mobile phone number, after the payment-by-proxy confirmation information is received and the authentication confirmation information included in the payment-by-proxy confirmation information matches the authentication information, order payment processing is carried out according to the order information and the payment account number to complete payment-instead transaction, the merchant terminal initiates the payment-instead transaction, no operation is required to be carried out by field shopping staff, convenient and safe payment service can be provided for old people and people who are inconvenient to use network payment tools such as smart phones, and convenience in payment is improved.

Fig. 3 is a schematic flow chart of a method for replacing and paying for on-site shopping according to a third embodiment of the present invention, and as shown in fig. 3, based on the above embodiments, the generating verification information according to the shopping-site photo and the order information further includes:

s301, generating a graphic verification code according to the order information and a preset password generation algorithm;

specifically, the acquirer server may generate a graphical verification code according to the order information and a password generation algorithm. After generating the graphical verification code, the acquirer server may store the graphical verification code locally for subsequent verification. The password generation algorithm is preset, for example, a digest algorithm or a symmetric encryption algorithm, and is set according to actual needs, which is not limited in the embodiments of the present invention.

S302, taking the shopping site photo as a picture background, and taking the order information and the graphic verification as picture content to generate a verification picture.

Specifically, the acquiring bank server may use the shopping site photo as a picture background, use the order information and the graphical verification as picture content, and generate a verification picture according to a preset picture template. The shopping site photo, the order information and the graphic verification code can be viewed through the verification picture. The verification picture can be used as verification information to be sent to the mobile terminal, the paying customer can check the shopping site picture and the order information on the verification picture on the mobile terminal and can also see a graphic verification code, and the graphic verification code can be input on the mobile terminal to be used as verification confirmation information and returned to the acquiring bank server. The verification of the payment-on-behalf transaction is carried out on the basis of the graphic verification code generated by the order information, so that the tampering of the payment-on-behalf order can be avoided, and the security of the payment-on-behalf transaction is enhanced. The picture template is set according to actual needs, and the embodiment of the invention is not limited.

On the basis of the foregoing embodiments, further, the sending the payment withholding request information to the mobile terminal corresponding to the mobile phone number includes:

and carrying the verification picture in the payment withholding request information, sending the verification picture to the mobile terminal in a multimedia message mode, and pushing payment interface information to the mobile terminal through a mobile banking channel, wherein the payment interface information comprises the shopping site picture and the order information.

Specifically, if the payment identifier belongs to an acquirer, the acquirer server may carry the verification picture in the payment pickup request information, send the verification picture to the mobile terminal in a multimedia message manner, and push payment interface information to the mobile terminal through a mobile banking channel. The mobile terminal can display the verification picture after receiving the payment withholding request information, a payment withholding client can check a shopping site picture, the order information and the graphical verification code on the verification picture, the payment withholding client opens a mobile banking client on the mobile terminal and can check the payment interface information, the shopping site picture and the order information are seen on the payment interface information, if the shopping site picture and the order information are the same as those displayed on the verification picture, the payment withholding client can input the graphical verification code on an interface of the mobile terminal for displaying the payment interface information and confirm payment, and the mobile terminal can send payment withholding confirmation information carrying the graphical verification code to the acquiring bank server. The acquiring bank server verifies whether the graphical verification code included in the payment withholding confirmation information is the same as the locally stored graphical verification code, and if so, the subsequent order payment processing is carried out. If the payment withholding transaction is different, the payment withholding transaction can be terminated, payment withholding failure information is sent to the merchant terminal, and meanwhile, payment withholding failure information can be fed back to the mobile terminal.

On one hand, the on-site shopping payment method provided by the embodiment of the invention uses the shopping site picture as the picture background of the verification picture, and the verification picture comprising the order information and the graphic verification code is notified to the payment client through a second channel different from the payment network by a multimedia message, on the other hand, the payment interface is pushed to the mobile banking client through the payment network, and the graphic verification code is input, so that the loss caused by opening a malicious link to the client in a link mode in a short message is avoided, and the tampering of the payment order is avoided and the security of the payment transaction is enhanced based on the use of the graphic verification code generated based on the order information.

Fig. 4 is a schematic flow chart of a method for making a payment for an on-site shopping according to a fourth embodiment of the present invention, and as shown in fig. 4, on the basis of the foregoing embodiments, further, the first payment inquiry result further includes a payment operation range corresponding to the payment identifier; correspondingly, the method for replacing and paying for on-site shopping provided by the embodiment of the invention further comprises the following steps:

s401, inquiring and obtaining the business range of the business corresponding to the business identification according to the business identification included in the order information;

specifically, the first generation payment inquiry result includes a payment operation range corresponding to the payment identifier, and the acquiring bank server may acquire the operation range of the merchant corresponding to the merchant identifier by inquiring according to the merchant identifier included in the order information. The business scope of the merchant can be obtained according to the business scope registered by the business license of the merchant; the payment operation range corresponding to the payment identifier can be an agreement on the operation range of the paying merchant when the identifier is applied, the paying merchant in the agreed operation range can carry out the payment on behalf of the paying merchant through the payment identifier, and the paying merchant not in the agreed operation range can not carry out the payment.

S402, if the operation range of the merchant corresponding to the merchant identification is judged and known to exceed the payment operation range corresponding to the payment identification, the payment-instead transaction corresponding to the payment-instead transaction request is terminated.

Specifically, the acquiring bank server compares the operation range of the merchant corresponding to the merchant identifier with the payment operation range corresponding to the payment identifier, and if the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier, the payment-for-payment transaction corresponding to the payment-for-payment transaction request is terminated. After terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request, the acquiring bank server may send a prompt message of failure of the payment-for-delivery transaction exceeding the payment operation range to the merchant terminal. By limiting the payment operation range corresponding to the payment identifier, the control of the payment scene of the payment-by-payment transaction can be realized.

For example, if a son of lie is immature, for the convenience of shopping, the son of lie transacts the payment service in the bank h, applies for the payment identifier f, and informs the son of the payment identifier f that the son is bright. When a certain plum is paying the identifier f, in order to control the small and bright payment scene of the son, the payment operation range corresponding to the payment identifier f is agreed, and the operation ranges of the agreed bar, the billiard hall, the game hall, the singing and dancing hall, the KTV and the Internet bar are not in the payment operation range corresponding to the payment identifier f.

And (3) when the player is bright to a certain game hall d for consumption, the player of the game hall d is informed to purchase the game coins in a payment substitute mode, the payment identifier f is informed, and the acquiring bank of the game hall d is a bank h. The staff of the game hall D sends a payment-for-payment transaction request to an acquiring bank server H of the bank H through a merchant terminal D of the game hall D, wherein the payment-for-payment transaction request comprises order information, small and bright live shopping photos and a payment identifier f. The order information includes a merchant identifier dd of the game room d.

After the acquiring bank server H judges that the payment identifier f belongs to the bank H, the acquiring bank server H can obtain the operation range corresponding to the merchant identifier dd according to the inquiry of the merchant identifier dd, wherein the operation range comprises game entertainment, the acquiring bank server H inquires the corresponding payment operation range according to the payment identifier f, the acquiring bank server H compares the payment operation range corresponding to the payment identifier f with the operation range corresponding to the merchant identifier dd, and can judge that the operation range corresponding to the merchant identifier dd is not in the payment operation range corresponding to the payment identifier f, so that the acquiring bank server H can send a payment withholding transaction request to the merchant terminal D and terminate the payment withholding transaction.

On the basis of the above embodiments, further, the method for replacing and paying for on-site shopping provided by the embodiment of the present invention further includes:

the payment-for-replacement transaction request is sent after being subjected to encrypted signature.

Specifically, in order to ensure the safety of the transmission of the payment-under-payment transaction request, the payment-under-payment transaction request is sent after being subjected to encryption signature. After receiving the encrypted and signed payment-for-delivery transaction request, the acquirer server may decrypt the encrypted and signed payment-for-delivery transaction request according to the public key of the encrypted signature.

Fig. 5 is a flowchart of an alternative payment method for on-site shopping according to a fifth embodiment of the present invention, and as shown in fig. 5, the flow of the alternative payment method for on-site shopping according to the embodiment of the present invention is as follows:

firstly, sending a payment-for-delivery transaction request. And the merchant terminal sends a payment-instead transaction request to the acquiring bank server, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier.

And secondly, inquiring the information related to the payment-for-delivery transaction. And the acquirer server judges whether the payment identifier belongs to the acquirer, if the payment identifier belongs to the acquirer, the acquirer inquires a mobile phone number and a payment account corresponding to the payment identifier according to the payment identifier, and generates verification information and payment information according to the shopping site picture and the order information.

And step three, sending the payment withholding request information. And the acquirer server sends payment withholding request information to the mobile terminal corresponding to the mobile phone number, wherein the payment withholding request information comprises the verification information and the payment information.

And fourthly, returning the payment-for-replacement confirmation information. And the mobile terminal returns the payment-for-use confirmation information to the acquiring bank server. The payment information can be confirmed by the payment agent client after the mobile terminal checks the payment agent request information, and the payment agent confirmation information is returned to the acquiring bank server through the mobile terminal, wherein the payment agent confirmation information can comprise verification confirmation information, and the verification confirmation information is fed back based on the verification information.

And fifthly, carrying out order payment processing. And after judging that the verification confirmation information included in the payment-for-delivery confirmation information is matched with the verification information, the acquiring bank server carries out order payment processing according to the order information and the payment account.

And sixthly, sending payment success information. And after the order payment is completed, the acquiring bank server sends payment success information to the merchant terminal, and after the merchant checks the payment success information, the merchant can inform the customer that the payment is successful and the commodity purchase is successful.

Fig. 6 is a schematic structural diagram of a payment-instead system for on-site shopping according to a sixth embodiment of the present invention, and as shown in fig. 6, the payment-instead system for on-site shopping according to the embodiment of the present invention includes a merchant terminal 100, a mobile terminal 200, an acquiring bank server 300, a payment-instead customer issuing bank server 400, and a third-party server 500, where:

the merchant terminal 100 is communicatively connected to the acquiring bank server 300, the mobile terminal 200 is communicatively connected to the payment-brokered customer account bank server 400, and the acquiring bank server 300, the payment-brokered customer account bank server 400, and the third-party server 500 are connected via a financial clearing network.

The merchant terminal 100 is configured to generate order information and initiate a payment-for-replacement transaction request, the acquirer server 300 is configured to execute the payment-for-replacement method for on-site shopping according to the embodiment of the present invention, process the payment-for-replacement transaction request, and the third-party server 500 is configured to process a payment-for-replacement inquiry request sent by the acquirer server 300. The acquirer server 300 transmits the payment-for-delivery request information to the mobile terminal 200 through the payment-for-delivery client issuer server 400, and the mobile terminal 200 is used to confirm the payment-for-delivery transaction. The account opening bank of the merchant corresponding to the merchant terminal 100 and the account opening bank of the payment assistant corresponding to the mobile terminal 200 may be different.

The third-party server 500, which may be a server of a trans-bank remittance agency, on one hand, can receive a registration application of a payment identifier submitted by a payment client through an issuer, provide a query interface of the payment identifier to the acquirer 300 and the payment client issuer server 400, obtain information such as a corresponding client name, a payment account number, a mobile phone number, an issuer and a payment operation range of the payment account according to a payment identifier query, and feed back the information to the acquirer or the payment client issuer server. On the other hand, clearing of cross-bank transfers can be performed.

The merchant terminal 100 is configured to send a payment-by-payment transaction request to the acquirer server 300, where the payment-by-payment transaction request includes order information, a shopping site photo, and a payment identifier;

the mobile terminal 200 is configured to receive the payment pickup request information sent by the acquirer server 300 through the payment pickup client account opening server 400, and return a payment pickup confirmation information to the acquirer server 300 through the payment pickup client account opening server 400, where the payment pickup confirmation information includes a verification confirmation information;

the third-party server 500 is configured to receive the payment pickup query request sent by the acquirer server 300, and return a payment pickup query result to the acquirer server 300; the payment-for-use inquiry request comprises the payment identifier, and the payment-for-use inquiry result comprises a mobile phone number corresponding to the payment identifier, a payment account and an account opening bank of the payment account; the bank corresponding to the customer account opening bank server 400 is the account opening bank of the payment account;

the acquirer server 300 is configured to send a payment withholding inquiry request to the third-party server 500 after determining that the payment identifier does not belong to an acquirer, generate verification information and payment information according to the shopping site photo and the order information, send payment withholding request information to the mobile terminal 200 through the payment withholding client issuer server 400, obtain a collection account number and a payment amount based on the order information after receiving payment withholding confirmation information and verification confirmation information included in the payment withholding confirmation information is matched with the verification information, and send an order payment request to the payment withholding client issuer server 400 to complete a payment withholding transaction; the payment-for-delivery request information comprises the verification information and the payment information, and the order payment request comprises the collection account number, the payment account number and the payment amount; the mobile terminal 200 corresponds to the mobile phone number.

Fig. 7 is a schematic flow chart of a method for replacing payment for on-site shopping according to a seventh embodiment of the present invention, and as shown in fig. 7, the method for replacing payment for on-site shopping according to the embodiment of the present invention includes:

s701, receiving a payment-for-payment transaction request sent by a merchant terminal, wherein the payment-for-payment transaction request comprises order information, a shopping site photo and a payment identifier;

specifically, when a customer purchases a commodity on site, if the customer is inconvenient to pay, the customer can choose to purchase the commodity in a payment-by-payment mode. The method comprises the steps that a client provides a payment identifier for a merchant, the merchant collects a picture of on-site shopping of the client as a picture of a shopping site, the merchant generates order information for commodities purchased by the client through a merchant terminal, and then sends a payment-instead transaction request to an acquiring bank server, wherein the payment-instead transaction request can comprise the order information, the picture of the shopping site and the payment identifier. The acquirer server receives the payment withholding transaction request. The order information may include order summary information and commodity detail information, and the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs, which is not limited in the embodiment of the present invention. The commodity detail information may include information such as a commodity name, a commodity number, and a commodity unit price, and is set according to actual needs, which is not limited in the embodiment of the present invention. The payment identifier is obtained by applying for the third-party server by the client-side payment server, and is stored in the third-party server and the client-side payment server.

S702, if the payment identifier does not belong to the acquirer, sending a payment withholding inquiry request to a third-party server; wherein the payment agent inquiry request comprises the payment identifier;

specifically, after receiving the payment withholding transaction request, the acquirer server may determine whether the payment identifier belongs to an acquirer, and if not, may send a payment withholding inquiry request to a third-party server, where the payment withholding inquiry request includes the payment identifier. After receiving the payment withholding inquiry request, the third-party server inquires the mobile phone number, the payment account number and the account opening row of the payment account corresponding to the payment identifier according to the payment identifier, and then carries the mobile phone number, the payment account number and the account opening row of the payment account corresponding to the payment identifier in a payment withholding inquiry result and returns the result to the acquiring bank server.

For example, the acquirer server may query whether the same payment identifier exists in the database according to the payment identifier, and if not, it indicates that the payment identifier is not applied by a bank corresponding to the acquirer server, and the payment identifier does not belong to an acquirer. Or, including the bank identification bit in the payment sign, the acquirer server can follow acquire the bank identification bit in the payment sign, if the bank identification bit in the payment sign with the bank identification bit of the bank that the acquirer server corresponds is inequality, then the payment sign is not through the bank that the acquirer server corresponds applies for, the payment sign does not belong to the acquirer. The bank identification positions correspond to banks one by one. The payment identification is in one-to-one correspondence with the bank identification position.

S703, receiving a second-generation payment inquiry result returned by the third-party server, wherein the second-generation payment inquiry result comprises a mobile phone number corresponding to the payment identifier, a payment account and an account opening row of the payment account;

specifically, the acquirer server receives a second-generation payment query result returned by the third-party server, where the second-generation payment query result includes a mobile phone number corresponding to the payment identifier, a payment account, and an issuer of the payment account.

S704, generating verification information and payment information according to the shopping site pictures and the order information, and sending payment withholding request information to a mobile terminal corresponding to the mobile phone number through a server of an account opening bank of the payment account; the payment withholding request information comprises the verification information and the payment information;

specifically, the acquirer server generates verification information and payment information according to the shopping site photo and the order information, and generates verification information based on the shopping site photo and the order information, so that the payment-by-payment transaction can be prevented from being tampered, and the security of the payment-by-payment transaction is improved. The acquiring bank server sends a payment assistant request to the payment assistant client account bank server, wherein the payment assistant request comprises payment assistant request information and the mobile phone number. And after receiving the payment assistant request, the payment assistant customer account opening bank server sends the payment assistant request information to the mobile terminal corresponding to the mobile phone number. Wherein the payment withholding request information includes the authentication information and the payment information. The payment information may include an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs, which is not limited in the embodiments of the present invention. The verification information is used for payment verification. When the payment identification is applied by the payment client, information such as a mobile phone number, a payment account and the like is provided for a bank, and the payment identification is stored in a correlation manner with the information such as the mobile phone number, the payment account and the like.

S705, if the payment-for-placement confirmation information is received and the verification confirmation information included in the payment-for-placement confirmation information is matched with the verification information, acquiring a collection account and payment amount based on the order information, and sending an order payment request to a server of an issuer of the payment account to complete the payment-for-placement transaction; the payment-for-delivery confirmation information is sent to a server of an account opening bank of the payment account by the mobile terminal and forwarded by the server of the account opening bank of the payment account; the order payment request includes the collection account, the payment account, and the payment amount.

Specifically, after viewing the verification information and the payment information displayed by the mobile terminal, the payment information is confirmed by the payment client, and the payment information is sent to the payment client issuer server through the mobile terminal, where the payment information may include verification confirmation information, and the verification confirmation information is fed back based on the verification information. And after receiving the payment-for-delivery confirmation information, the payment-for-delivery client account opening bank server forwards the payment-for-delivery confirmation information to the acquiring bank server. And if the acquirer server receives the payment substitute confirmation information forwarded by the third-party server and judges that the verification confirmation information included in the payment substitute confirmation information is matched with the verification information, acquiring a collection account and a payment amount based on the order information, and then sending an order payment request to the issuer server of the payment substitute client, wherein the order payment request includes the collection account, the payment account and the payment amount. And after receiving the order payment request, the payment client account issuer server transfers funds to the payment account, then remits the funds of the payment amount to the collection account, and can send payment completion information to the mobile terminal. The acquirer server will post funds for the payment amount to the collection account. After the order payment is successful, the acquirer server may send payment success information to the merchant terminal. After the staff of the merchant checks the payment success information, the staff can inform the customer that the payment is successful and the payment-instead transaction is completed.

The on-site shopping payment-instead method provided by the embodiment of the invention can receive a payment-instead transaction request sent by a merchant terminal, sends a payment-instead query request to a third-party server after judging that a payment identifier does not belong to an acquiring bank, receives a second-generation payment query result returned by the third-party server, generates verification information and payment information according to a shopping on-site picture and order information, sends payment-instead request information to a mobile terminal corresponding to a mobile phone number through a server of an issuer of a payment account, obtains the payment account and payment amount based on the order information after receiving the payment-instead confirmation information and matching the verification confirmation information and the verification information, sends the order payment request to the server of the issuer of the payment account to complete the payment-instead transaction, initiates the payment-instead transaction by the merchant terminal without any operation of an on-site shopper, the system can provide convenient and safe payment service for the old and the crowd who are not convenient to use network payment tools such as smart phones, and the convenience of payment is improved. In addition, the merchant channel of the payment-for-delivery transaction is not limited to the merchants with the same account opening rows as the payment-for-delivery customers, namely the merchant and the account opening rows of the payment-for-delivery customers can not be the same bank, so that the merchant range of the payment-for-delivery transaction is greatly expanded.

Fig. 8 is a schematic flow chart of a method for replacing and paying for on-site shopping according to an eighth embodiment of the present invention, and as shown in fig. 8, based on the above embodiments, the generating verification information according to the shopping-site photo and the order information further includes:

s801, generating a graphic verification code according to the order information and a preset password generation algorithm;

S802, taking the shopping site photo as a picture background, and taking the order information and the graphic verification as picture contents to generate a verification picture.

and carrying the verification picture in the payment pickup request information by a server of an issuer of the payment account, sending the verification picture to the mobile terminal in a multimedia message mode, and pushing payment interface information to the mobile terminal from a mobile banking channel by the server of the issuer of the payment account, wherein the payment interface information comprises the shopping site picture and the order information.

Specifically, if the payment identifier does not belong to the acquirer, the acquirer server may carry the verification picture in the payment pickup request information and send the verification picture to the third-party server, and the third-party server sends the verification picture to the mobile terminal in a multimedia message manner and pushes payment interface information to the mobile terminal through a mobile banking channel. The mobile terminal can display the verification picture after receiving the payment withholding request information, a payment withholding client can check a shopping site picture, the order information and the graphical verification code on the verification picture, the payment withholding client opens a mobile banking client on the mobile terminal and can check the payment interface information, the shopping site picture and the order information are seen on the payment interface information, if the shopping site picture and the order information are the same as those displayed on the verification picture, the payment withholding client can input the graphical verification code on an interface of the mobile terminal for displaying the payment interface information and confirm payment, and the mobile terminal can send payment withholding confirmation information carrying the graphical verification code to the payment withholding client issuer server. And the payment-taking-over client account-making bank server forwards the payment-taking-over confirmation information to the acquiring bank server. The acquiring bank server verifies whether the graphical verification code included in the payment-for-delivery confirmation information is the same as the locally stored graphical verification code, and if so, sends an order payment request to complete the payment-for-delivery transaction. If the payment information is different, the payment withholding transaction can be terminated, payment withholding failure information is sent to the merchant terminal, and meanwhile, the payment withholding failure information can be fed back to the mobile terminal through the payment withholding customer account opening bank server.

Fig. 9 is a schematic flow chart of a payment method for on-site shopping according to a ninth embodiment of the present invention, and as shown in fig. 9, on the basis of the foregoing embodiments, further, the second generation payment inquiry result further includes a payment operation range corresponding to the payment identifier; correspondingly, the method for replacing and paying for on-site shopping provided by the embodiment of the invention further comprises the following steps:

s901, inquiring and obtaining the business range of a business corresponding to the business identifier according to the business identifier included in the order information;

specifically, after receiving the payment-for-delivery inquiry request, the third-party server may obtain the payment operation range corresponding to the payment identifier according to the payment identifier inquiry, carry the payment operation range corresponding to the payment identifier in the second-generation payment inquiry result, and send the second-generation payment inquiry result to the acquirer server, where the acquirer server may obtain the payment operation range corresponding to the payment identifier from the second-generation payment inquiry result. The acquiring bank server may obtain the business range of the merchant corresponding to the merchant identifier by querying the merchant identifier included in the order information.

And S902, if the operation range of the merchant corresponding to the merchant identification is judged and known to exceed the payment operation range corresponding to the payment identification, terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request.

On the basis of the above embodiments, further, the payment-for-replacement transaction request is sent after being subjected to an encrypted signature.

Fig. 10 is a flowchart of an alternative payment method for on-site shopping according to a tenth embodiment of the present invention, and as shown in fig. 10, the flow of the alternative payment method for on-site shopping according to the embodiment of the present invention is as follows:

And step two, sending a payment withholding inquiry request. And the acquirer server judges whether the payment identifier belongs to the acquirer, and if the payment identifier does not belong to the acquirer, the acquirer sends a payment withholding inquiry request to the third-party server, wherein the payment withholding inquiry request comprises the payment identifier.

And thirdly, returning a second generation payment inquiry result. The third-party server inquires the mobile phone number, the payment account number and the account opening line of the payment account corresponding to the payment identifier according to the payment identifier, and then carries the mobile phone number, the payment account number and the account opening line of the payment account corresponding to the payment identifier in a second-generation payment inquiry result and returns the result to the acquirer server. Wherein, the mobile phone number corresponds to the mobile terminal; and paying the bank corresponding to the client bank server by the account opening behavior of the payment account.

And fourthly, generating verification information and payment information. And the acquiring bank server generates verification information and payment information according to the shopping site photos and the order information.

And step five, sending a payment assistance request. And the acquiring bank server sends a payment-for-delivery assistance request to the client account bank server, wherein the payment-for-delivery assistance request comprises payment-for-delivery request information and a mobile phone number.

And sixthly, sending the payment withholding request information. And the payment-substituting customer account opening bank server sends payment-substituting request information to the mobile terminal based on the mobile phone number.

And step seven, sending the payment-for-replacement confirmation information. After checking the verification information displayed by the mobile terminal and the payment information, the payment information is confirmed by the payment client, and the payment information is sent to the account issuer server of the payment client through the mobile terminal, wherein the payment information comprises the verification confirmation information.

And step eight, forwarding the payment-for-replacement confirmation information. After receiving the payment withholding confirmation information, the payment withholding client account opening bank server forwards the payment withholding confirmation information to the acquiring bank server.

And step nine, sending an order payment request. After receiving the payment-for-use confirmation information, the acquirer server obtains a collection account and a payment amount based on the order information if the verification confirmation information included in the payment-for-use confirmation information is judged to be matched with the verification information, and then sends an order payment request to the issuer server of the payment-for-use customer, wherein the order payment request includes the collection account, the payment account and the payment amount.

Step ten, sending a fund remittance request. After receiving the order payment request, the customer issuer server transfers funds to the payment account, and then sends a fund remittance request to the acquirer server to remit funds of the payment amount to the collection account.

And step eleven, sending payment success information. The acquirer server will deposit the funds of the payment amount into the payment account, and then send payment success information to the merchant terminal. After the staff of the merchant checks the payment success information, the staff can inform the customer that the payment is successful and the payment-instead transaction is completed.

Fig. 11 is a schematic flowchart of a registration application process of a payment identifier according to an eleventh embodiment of the present invention, and as shown in fig. 11, the registration application process of the payment identifier according to the embodiment of the present invention is as follows:

first, a payment identifier registration request is sent. The payment client can send a registration request of the payment identifier to the payment client account issuer server through the mobile terminal, and the registration request of the payment identifier can comprise information such as a mobile phone number, an identity card number and a bank account number which is set by the payment client in a bank corresponding to the payment client account issuer server.

And secondly, forwarding the payment identifier registration request. And the payment identifier registration request is forwarded to the third-party server by the account opening bank server of the payment-approving client, and the third-party staff approves the payment identifier registration request of the payment-approving client. And after the approval is passed, the third-party server generates a unique corresponding payment identifier for the payment client, and correspondingly stores the payment identifier, the mobile phone number and the identification number of the payment client, a bank account number set by the payment client in a bank corresponding to the account opening bank server of the payment client and the like.

And thirdly, sending registration success information. And the third-party server sends registration success information to the client account issuer server for payment, wherein the registration success information comprises a payment identifier. The client-side account-opening bank server forwards the successful registration information to the mobile terminal.

Fig. 12 is a schematic structural diagram of an acquiring bank server according to a twelfth embodiment of the present invention, and as shown in fig. 12, the acquiring bank server according to the embodiment of the present invention includes a first receiving unit 1201, a first querying unit 1202, a first sending unit 1203, and a payment assistant processing unit 1204, where:

the first receiving unit 1201 is configured to receive a payment-for-payment transaction request sent by a merchant terminal, where the payment-for-payment transaction request includes order information, a shopping site photo, and a payment identifier; the first query unit 1202 is configured to, after the payment identifier belongs to an acquirer, locally query to obtain a first generation payment query result, where the first generation payment query result includes a mobile phone number and a payment account corresponding to the payment identifier, and generate verification information and payment information according to the shopping site photo and the order information; the first sending unit 1203 is configured to send payment withholding request information to the mobile terminal corresponding to the mobile phone number, where the payment withholding request information includes the verification information and the payment information; the payment assistant processing unit 1204 is configured to, after receiving the payment assistant confirmation information and verification confirmation information included in the payment assistant confirmation information matches the verification information, perform order payment processing according to the order information and the payment account to complete a payment assistant transaction; wherein the payment withholding confirmation information is returned by the mobile terminal.

Specifically, when a customer purchases a commodity on site, if the customer is inconvenient to pay, the customer can choose to purchase the commodity in a payment-by-payment mode. The customer provides a payment identifier to the merchant, the merchant collects a picture of on-site shopping of the customer as a picture of a shopping site, the merchant generates order information for a commodity purchased by the customer through a merchant terminal, and then sends a payment-instead transaction request to the first receiving unit 1201, wherein the payment-instead transaction request may include the order information, the picture of the shopping site and the payment identifier. The first receiving unit 1201 receives the payment withholding transaction request. The order information may include order summary information and commodity detail information, and the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs, which is not limited in the embodiment of the present invention. The commodity detail information may include information such as a commodity name, a commodity number, and a commodity unit price, and is set according to actual needs, which is not limited in the embodiment of the present invention. The payment identifier may be obtained by applying for in advance by a bank corresponding to the acquirer server for a payment client.

After receiving the payment-for-delivery transaction request, the first query unit 1202 may determine whether the payment identifier belongs to an acquirer, and if the payment identifier belongs to an acquirer, may obtain a first payment query result according to local query of the payment identifier, where the first payment query result includes a mobile phone number and a payment account number corresponding to the payment identifier. The first query unit 1202 further generates verification information and payment information according to the shopping site photo and the order information, and generates verification information based on the shopping site photo and the order information, so that the payment-by-proxy transaction can be prevented from being tampered, and the security of the payment-by-proxy transaction is improved. The payment information may include an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs. The verification information is used for payment verification. When the payment identification is applied by the payment client, information such as a mobile phone number, a payment account and the like is provided for a bank, and the payment identification is stored in a correlation manner with the information such as the mobile phone number, the payment account and the like.

After obtaining the mobile phone number, the first sending unit 1203 sends a payment withholding request message to the mobile terminal corresponding to the mobile phone number, where the payment withholding request message includes the verification message and the payment message. The mobile terminal displays the authentication information and the payment information. After checking the verification information and the payment information displayed by the mobile terminal, the payment information is confirmed by the payment client, and payment information is returned through the mobile terminal, wherein the payment information may include verification confirmation information, and the verification confirmation information is fed back based on the verification information.

If the payment-for-delivery processing unit 1204 receives the payment-for-delivery confirmation information returned by the mobile terminal and determines that the verification confirmation information included in the payment-for-delivery confirmation information matches the verification information, then order payment processing may be performed according to the order information and the payment account, and after the order payment is successful, payment success information may be sent to the merchant terminal and the mobile terminal. After checking the payment success information, the staff of the merchant can inform the customer that the payment is successful and can leave with the purchased goods.

The acquirer server provided by the embodiment of the invention can receive the payment-by-payment transaction request sent by the merchant terminal, after judging that the payment identifier belongs to the acquirer, inquiring a mobile phone number and a payment account corresponding to the payment identifier according to the payment identifier, and generates verification information and payment information according to the shopping site picture and the order information, sends payment withholding request information to the mobile terminal corresponding to the mobile phone number, after the payment-by-proxy confirmation information is received and the authentication confirmation information included in the payment-by-proxy confirmation information matches the authentication information, order payment processing is carried out according to the order information and the payment account number to complete payment-instead transaction, the merchant terminal initiates the payment-instead transaction, no operation is required to be carried out by field shopping staff, convenient and safe payment service can be provided for old people and people who are inconvenient to use network payment tools such as smart phones, and convenience in payment is improved.

Fig. 13 is a schematic structural diagram of an acquirer server according to a thirteenth embodiment of the present invention, and as shown in fig. 13, on the basis of the foregoing embodiments, further, the first querying unit 1202 includes a first generating sub-unit 12021 and a second generating sub-unit 12022, where:

the first generating subunit 12021 is configured to generate a graphical verification code according to the order information and a preset password generating algorithm; the second generating subunit 12022 is configured to use the shopping site photo as a picture background, and use the order information and the graphical verification as picture content to generate a verification picture.

Specifically, the first generating subunit 12021 may generate the graphic verification code according to the order information and the password generating algorithm. After generating the graphic verification code, the first generating subunit 12021 stores the graphic verification code locally for subsequent verification. The password generation algorithm is preset, for example, a digest algorithm or a symmetric encryption algorithm, and is set according to actual needs, which is not limited in the embodiments of the present invention.

The second generating subunit 12022 may use the shopping site photo as a picture background, use the order information and the graphical verification as picture content, and generate a verification picture according to a preset picture template. The shopping site photo, the order information and the graphic verification code can be viewed through the verification picture. The verification picture can be used as verification information to be sent to the mobile terminal, the paying customer can check the shopping site picture and the order information on the verification picture on the mobile terminal and can also see a graphic verification code, and the graphic verification code can be input on the mobile terminal to be used as verification confirmation information and returned to the acquiring bank server. The verification of the payment-on-behalf transaction is carried out on the basis of the graphic verification code generated by the order information, so that the tampering of the payment-on-behalf order can be avoided, and the security of the payment-on-behalf transaction is enhanced. The picture template is set according to actual needs, and the embodiment of the invention is not limited.

On the basis of the foregoing embodiments, further, the first sending unit 1203 is specifically configured to:

Specifically, if the payment identifier belongs to an acquiring bank, the first sending unit 1203 may carry the verification picture in the payment withholding request information, send the verification picture to the mobile terminal in a multimedia message manner, and push payment interface information to the mobile terminal through a mobile banking channel. After receiving the payment withholding request information, the mobile terminal may display the verification picture, the payment withholding client may view a shopping site picture, the order information, and a graphical verification code on the verification picture, open a mobile banking client on the mobile terminal, view the payment interface information, view the shopping site picture and the order information on the payment interface information, if the shopping site picture and the order information are the same as those displayed on the verification picture, the payment withholding client may input the graphical verification code on an interface where the mobile terminal displays the payment interface information, and confirm payment, and the mobile terminal may return payment withholding confirmation information of the graphical verification code to the payment withholding processing unit 1204.

Fig. 14 is a schematic structural diagram of an acquirer server according to a fourteenth embodiment of the present invention, and as shown in fig. 14, on the basis of the foregoing embodiments, further, the first generation payment inquiry result further includes a payment operation range corresponding to the payment identifier; correspondingly, the acquirer server provided in the embodiment of the present invention further includes a second querying unit 1205 and a first terminating unit 1206, where:

the second query unit 1205 is configured to query, according to the merchant identifier included in the order information, to obtain the operating range of the merchant corresponding to the merchant identifier; the first terminating unit 1206 is configured to terminate the payment-for-payment transaction corresponding to the payment-for-payment transaction request after determining that the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier.

Specifically, the first generation payment query result includes a payment operation range corresponding to the payment identifier, and after determining that the payment identifier belongs to an acquiring bank, the second query unit 1205 may query and obtain an operation range of a merchant corresponding to the merchant identifier according to the merchant identifier included in the order information. The business scope of the merchant can be obtained according to the business scope registered by the business license of the merchant; the payment operation range corresponding to the payment identifier can be an agreement on the operation range of the paying merchant when the identifier is applied, the paying merchant in the agreed operation range can carry out the payment on behalf of the paying merchant through the payment identifier, and the paying merchant not in the agreed operation range can not carry out the payment.

The first terminating unit 1206 compares the operation range of the merchant corresponding to the merchant identifier with the payment operation range corresponding to the payment identifier, and terminates the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request if the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier. After terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request, the first terminating unit 1206 may send a prompt message of failure of payment-for-delivery transaction beyond the payment operation range to the merchant terminal. By limiting the payment operation range corresponding to the payment identifier, the control of the payment scene of the payment-by-payment transaction can be realized.

Specifically, in order to ensure the safety of the transmission of the payment-under-payment transaction request, the payment-under-payment transaction request is sent after being subjected to encryption signature. The first receiving unit 1201 may decrypt the cryptographically signed proxy payment transaction request according to the cryptographically signed public key after receiving the cryptographically signed proxy payment transaction request.

Fig. 15 is a schematic structural diagram of an acquiring bank server according to a fifteenth embodiment of the present invention, and as shown in fig. 15, the acquiring bank server according to the embodiment of the present invention includes a second receiving unit 1501, a second sending unit 1502, a third receiving unit 1503, a generating unit 1504, and a third sending unit 1505, where:

the second receiving unit 1501 is configured to receive a payment-for-delivery transaction request sent by a merchant terminal, where the payment-for-delivery transaction request includes order information, a shopping site photo, and a payment identifier; the second sending unit 1502 is configured to send a payment withholding query request to the third-party server after the payment identifier does not belong to the acquirer; wherein the payment agent inquiry request comprises the payment identifier; the third receiving unit 1503 is configured to receive a second-generation payment query result returned by the third-party server, where the second-generation payment query result includes a mobile phone number corresponding to the payment identifier, a payment account, and an account opening line of the payment account; the generating unit 1504 is used for generating verification information and payment information according to the shopping site photos and the order information, and sending payment withholding request information to the mobile terminal corresponding to the mobile phone number through a server of an account opening bank of the payment account; the payment withholding request information comprises the verification information and the payment information; the third sending unit 1505 is configured to, after receiving the payment-for-generation confirmation information and the verification confirmation information included in the payment-for-generation confirmation information is matched with the verification information, obtain a collection account and a payment amount based on the order information, and send an order payment request to a server of an issuer of the payment account to complete the payment-for-generation transaction; the payment-for-delivery confirmation information is sent to a server of an account opening bank of the payment account by the mobile terminal and forwarded by the server of the account opening bank of the payment account; the order payment request includes the collection account, the payment account, and the payment amount.

Specifically, when a customer purchases a commodity on site, if the customer is inconvenient to pay, the customer can choose to purchase the commodity in a payment-by-payment mode. The customer provides a payment identifier to the merchant, the merchant collects a picture of on-site shopping of the customer as a picture of a shopping site, the merchant generates order information for a commodity purchased by the customer through a merchant terminal, and then sends a payment withholding transaction request to the second receiving unit 1501, where the payment withholding transaction request may include the order information, the picture of the shopping site and the payment identifier. The second receiving unit 1501 receives the proxy payment transaction request. The order information may include order summary information and commodity detail information, and the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs, which is not limited in the embodiment of the present invention. The commodity detail information may include information such as a commodity name, a commodity number, and a commodity unit price, and is set according to actual needs, which is not limited in the embodiment of the present invention. The payment identifier is obtained by applying for the third-party server by the client-side payment server, and is stored in the third-party server and the client-side payment server.

After receiving the payment withholding transaction request, the second sending unit 1502 may determine whether the payment identifier belongs to an acquirer, and if not, may send a payment withholding inquiry request to the third-party server, where the payment withholding inquiry request includes the payment identifier. After receiving the payment withholding query request, the third-party server queries the mobile phone number, the payment account number, and the account opening row of the payment account corresponding to the payment identifier according to the payment identifier, and then carries the mobile phone number, the payment account number, and the account opening row of the payment account corresponding to the payment identifier in a payment withholding query result and returns the result to the third receiving unit 1503.

The third receiving unit 1503 is configured to receive a second-generation payment query result returned by the third-party server, where the second-generation payment query result includes a mobile phone number corresponding to the payment identifier, a payment account, and an account issuer of the payment account.

The generating unit 1504 generates verification information and payment information according to the shopping site photo and the order information, and generates verification information based on the shopping site photo and the order information, so that the payment-by-payment transaction can be prevented from being tampered, and the security of the payment-by-payment transaction is improved. The generating unit 1504 sends a payment assistant request to the customer service bank server, where the payment assistant request includes payment assistant request information and the mobile phone number. And after receiving the payment assistant request, the payment assistant customer account opening bank server sends the payment assistant request information to the mobile terminal corresponding to the mobile phone number. Wherein the payment withholding request information includes the authentication information and the payment information. The payment information may include an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, and is set according to actual needs, which is not limited in the embodiments of the present invention. The verification information is used for payment verification. When the payment identification is applied by the payment client, information such as a mobile phone number, a payment account and the like is provided for a bank, and the payment identification is stored in a correlation manner with the information such as the mobile phone number, the payment account and the like.

After checking the verification information and the payment information displayed by the mobile terminal, the payment information is confirmed by the payment client, and payment confirmation information is sent to the account issuer server of the payment client through the mobile terminal, wherein the payment confirmation information can comprise verification confirmation information, and the verification confirmation information is fed back based on the verification information. After receiving the payment assistant confirmation message, the payment assistant customer issuer server forwards the payment assistant confirmation message to the third sending unit 1505. The third sending unit 1505, if receiving the payment assistant confirmation information forwarded by the third party server and determining that the verification confirmation information included in the payment assistant confirmation information matches with the verification information, obtains a collection account and a payment amount based on the order information, and then sends an order payment request to the payment assistant customer issuer server, where the order payment request includes the collection account, the payment account and the payment amount. And after receiving the order payment request, the payment client account issuer server transfers funds to the payment account, then remits the funds of the payment amount to the collection account, and can send payment completion information to the mobile terminal. The third sending unit 1505 bills funds for the payment amount to the collection account. After the order payment is successful, the first acquirer server may send payment success information to the merchant terminal. After the staff of the merchant checks the payment success information, the staff can inform the customer that the payment is successful and the payment-instead transaction is completed.

The acquirer server provided by the embodiment of the invention can receive a payment-for-payment transaction request sent by a merchant terminal, send a payment-for-payment inquiry request to a third-party server after judging that a payment identifier does not belong to an acquirer, receive a second-generation payment inquiry result returned by the third-party server, generate verification information and payment information according to a shopping site picture and order information, send payment-for-payment request information to a mobile terminal corresponding to a mobile phone number through an issuer server of a payment account, obtain a collection account and a payment amount based on the order information after receiving the payment-for-payment confirmation information and matching the verification confirmation information and the verification information included in the payment-for-payment confirmation information, send an order payment request to the issuer server of the payment account to complete payment-for-payment transaction, initiate payment-for-payment transaction by the merchant terminal without any operation of an on-site shopper, the system can provide convenient and safe payment service for the old and the crowd who are not convenient to use network payment tools such as smart phones, and the convenience of payment is improved. In addition, the merchant channel of the payment-for-delivery transaction is not limited to the merchants with the same account opening rows as the payment-for-delivery customers, namely the merchant and the account opening rows of the payment-for-delivery customers can not be the same bank, so that the merchant range of the payment-for-delivery transaction is greatly expanded.

Fig. 16 is a schematic structural diagram of an acquiring line server according to a sixteenth embodiment of the present invention, and as shown in fig. 16, on the basis of the foregoing embodiments, the generating unit 1504 further includes a third generating sub-unit 15041 and a fourth generating sub-unit 15042:

the third generating subunit 15041 is configured to generate a graphical verification code according to the order information and a preset password generating algorithm; the fourth generation subunit 15042 is configured to generate a verification picture by using the shopping site picture as a picture background and using the order information and the graphical verification as picture contents.

Specifically, the third generation subunit 15041 may generate a graphic verification code according to the order information and the password generation algorithm. After generating the graphical passcode, the third generation subunit 15041 may store the graphical passcode locally for subsequent verification. The password generation algorithm is preset, for example, a digest algorithm or a symmetric encryption algorithm, and is set according to actual needs, which is not limited in the embodiments of the present invention.

The fourth generating sub-unit 15042 may generate a verification picture according to a preset picture template, using the shopping site picture as a picture background, and using the order information and the graphical verification as picture contents. The shopping site photo, the order information and the graphic verification code can be viewed through the verification picture. The verification picture is sent to the mobile terminal as verification information, the customer on behalf of others can view the shopping site picture and the order information on the verification picture on the mobile terminal, and can also view a graphical verification code, which can be input on the mobile terminal as verification confirmation information, and the verification information is returned to the third sending unit 1505. The verification of the payment-on-behalf transaction is carried out on the basis of the graphic verification code generated by the order information, so that the tampering of the payment-on-behalf order can be avoided, and the security of the payment-on-behalf transaction is enhanced. The picture template is set according to actual needs, and the embodiment of the invention is not limited.

On the basis of the foregoing embodiments, further, the generating unit 1504 is specifically configured to:

Specifically, if the payment identifier does not belong to the acquirer, the generating unit 1504 may carry the verification picture in the payment withholding request information, send the verification picture to the third-party server, and the third-party server sends the verification picture to the mobile terminal in a multimedia message manner and pushes payment interface information to the mobile terminal through a mobile banking channel. The mobile terminal can display the verification picture after receiving the payment withholding request information, a payment withholding client can check a shopping site picture, the order information and the graphical verification code on the verification picture, the payment withholding client opens a mobile banking client on the mobile terminal and can check the payment interface information, the shopping site picture and the order information are seen on the payment interface information, if the shopping site picture and the order information are the same as those displayed on the verification picture, the payment withholding client can input the graphical verification code on an interface of the mobile terminal for displaying the payment interface information and confirm payment, and the mobile terminal can send payment withholding confirmation information carrying the graphical verification code to the payment withholding client issuer server. The payment agent customer issuer server forwards the payment agent confirmation message to the third sending unit 1505.

Fig. 17 is a schematic structural diagram of an acquirer server according to an eighteenth embodiment of the present invention, and as shown in fig. 17, on the basis of the foregoing embodiments, further, the second-generation payment inquiry result further includes a payment operation range corresponding to the payment identifier; accordingly, the embodiment of the present invention provides the acquiring bank server further comprising a third querying unit 1506 and a second terminating unit 1507, wherein:

the third query unit 1506 is configured to query, according to the merchant identifier included in the order information, to obtain the operating range of the merchant corresponding to the merchant identifier; the second termination unit 1507 is configured to terminate the payment-by-payment transaction corresponding to the payment-by-payment transaction request after determining that the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier.

Specifically, the third query unit 1506 may query and obtain the operation range of the merchant corresponding to the merchant identifier according to the merchant identifier included in the order information.

The third-party server receives the surcharge inquiry request, and then obtains the payment operation range corresponding to the payment identifier according to the payment identifier inquiry, and then carries the payment operation range corresponding to the payment identifier to the second generation payment inquiry result which is sent to the second termination unit 1507, and the second termination unit 1507 can obtain the payment operation range corresponding to the payment identifier from the second generation payment inquiry result. The second termination unit 1507 may compare the operation range of the merchant corresponding to the merchant identifier with the payment operation range corresponding to the payment identifier, and terminate the payment-for-payment transaction corresponding to the payment-for-payment transaction request if the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier. After terminating the payment-for-delivery transaction corresponding to the payment-for-delivery transaction request, the second termination unit 1507 may transmit a prompt message of failure of the payment-for-delivery transaction beyond the payment operation range to the merchant terminal. By limiting the payment operation range corresponding to the payment identifier, the control of the payment scene of the payment-by-payment transaction can be realized.

Specifically, in order to ensure the safety of the transmission of the payment-under-payment transaction request, the payment-under-payment transaction request is sent after being subjected to encryption signature. The second receiving unit 1501 may decrypt the encrypted signed proxy payment transaction request according to the public key of the encrypted signature after receiving the encrypted signed proxy payment transaction request.

The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions of the apparatus are not described herein again, and refer to the detailed description of the above method embodiments. It should be noted that the method for making a payment on behalf of a live purchase, the acquiring bank server and the system provided by the embodiment of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.

Fig. 18 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 18, the electronic device may include: a processor (processor)1801, a communication Interface (Communications Interface)1802, a memory (memory)1803, and a communication bus 1804, wherein the processor 1801, the communication Interface 1802, and the memory 1803 communicate with each other via the communication bus 1804. The processor 1801 may call logic instructions in the memory 1803 to perform the following method: receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier; if the payment identifier belongs to an acquiring bank, locally inquiring to obtain a first generation payment inquiry result, wherein the first generation payment inquiry result comprises a mobile phone number and a payment account number corresponding to the payment identifier, and generating verification information and payment information according to the shopping site picture and the order information; sending payment withholding request information to a mobile terminal corresponding to the mobile phone number, wherein the payment withholding request information comprises the verification information and the payment information; if the order payment generation confirmation information is received and the verification confirmation information included in the order payment generation confirmation information is matched with the verification information, performing order payment processing according to the order information and the payment account number to complete the order payment transaction; wherein the payment withholding confirmation information is returned by the mobile terminal. Or

Receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier; if the payment identifier does not belong to the acquirer, sending a payment withholding inquiry request to a third-party server; wherein the payment agent inquiry request comprises the payment identifier; receiving a second-generation payment inquiry result returned by the third-party server, wherein the second-generation payment inquiry result comprises a mobile phone number corresponding to the payment identifier, a payment account and an account opening line of the payment account; generating verification information and payment information according to the shopping site pictures and the order information, and sending payment withholding request information to a mobile terminal corresponding to the mobile phone number through a server of an account opening bank of the payment account; the payment withholding request information comprises the verification information and the payment information; if the payment-for-use confirmation information is received and the verification confirmation information included in the payment-for-use confirmation information is matched with the verification information, acquiring a collection account and payment amount based on the order information, and sending an order payment request to a server of an issuer of the payment account to complete the payment-for-use transaction; the payment-for-delivery confirmation information is sent to a server of an account opening bank of the payment account by the mobile terminal and forwarded by the server of the account opening bank of the payment account; the order payment request includes the collection account, the payment account, and the payment amount.

In addition, the logic instructions in the memory 1803 may be implemented in software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as a stand-alone product. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising:

receiving a payment-instead transaction request sent by a merchant terminal, wherein the payment-instead transaction request comprises order information, a shopping site photo and a payment identifier; if the payment identifier belongs to an acquiring bank, locally inquiring to obtain a first generation payment inquiry result, wherein the first generation payment inquiry result comprises a mobile phone number and a payment account number corresponding to the payment identifier, and generating verification information and payment information according to the shopping site picture and the order information; sending payment withholding request information to a mobile terminal corresponding to the mobile phone number, wherein the payment withholding request information comprises the verification information and the payment information; if the order payment generation confirmation information is received and the verification confirmation information included in the order payment generation confirmation information is matched with the verification information, performing order payment processing according to the order information and the payment account number to complete the order payment transaction; wherein the payment withholding confirmation information is returned by the mobile terminal. Or

The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes:

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular 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 invention. In this specification, the schematic representations of the terms used above do not necessarily 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.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A method for replacing payment for on-site shopping, which is characterized by comprising the following steps:

2. The method of claim 1, wherein the determining the mobile phone number and the payment account number corresponding to the payment identifier according to the payment identifier comprises:

and if the payment identifier belongs to an acquirer, locally inquiring to obtain a first generation payment inquiry result, wherein the first generation payment inquiry result comprises a mobile phone number and a payment account number corresponding to the payment identifier.

3. The method of claim 2, wherein the determining the mobile phone number and the payment account number corresponding to the payment identifier according to the payment identifier comprises:

if the payment identifier does not belong to the acquirer, sending a payment withholding inquiry request to a third-party server; wherein the payment agent inquiry request comprises the payment identifier;

and receiving a second-generation payment inquiry result returned by the third-party server, wherein the second-generation payment inquiry result comprises a mobile phone number corresponding to the payment identifier, a payment account and an account opening bank of the payment account.

4. The method of claim 3, wherein the first generation payment inquiry result or the second generation payment inquiry result further comprises a payment scope corresponding to the payment identifier; accordingly, the method further comprises:

inquiring and acquiring the operation range of the merchant corresponding to the merchant identifier according to the merchant identifier included in the order information;

and if the operation range of the merchant corresponding to the merchant identification is judged and obtained to exceed the payment operation range corresponding to the payment identification, terminating the payment-instead transaction corresponding to the payment-instead transaction request.

5. The method of claim 1, wherein generating validation information from the shopping venue photograph and the order information comprises:

generating a graphic verification code according to the order information and a preset password generation algorithm;

and taking the shopping site photo as a picture background, and taking the order information and the graphic verification as picture content to generate a verification picture.

6. The method of claim 5, wherein the sending the payment withholding request message to the mobile terminal corresponding to the mobile phone number comprises:

and if the payment identifier belongs to an acquirer, carrying the verification picture in the payment withholding request information, sending the verification picture to the mobile terminal in a multimedia message mode, and pushing payment interface information to the mobile terminal through a mobile banking channel, wherein the payment interface information comprises the shopping site picture and the order information.

7. The method of claim 5, wherein the sending the payment withholding request message to the mobile terminal corresponding to the mobile phone number comprises:

if the payment identifier does not belong to the acquirer, the verification picture is carried in the payment withholding request information by a server of an issuer of the payment account and is sent to the mobile terminal in a multimedia message mode, and payment interface information is pushed to the mobile terminal from a mobile banking channel by the server of the issuer of the payment account, wherein the payment interface information comprises the shopping site picture and the order information.

8. An acquirer server, comprising:

9. The acquirer server of claim 8, wherein the determining unit is specifically configured to:

10. The acquirer server according to claim 9, wherein the determining unit includes:

the sending subunit is used for sending a payment withholding inquiry request to the third-party server if the payment identifier does not belong to the acquirer; wherein the payment agent inquiry request comprises the payment identifier;

and the receiving subunit is configured to receive a second-generation payment query result returned by the third-party server, where the second-generation payment query result includes a mobile phone number corresponding to the payment identifier, a payment account, and an account opening line of the payment account.

11. The acquirer server of claim 10, wherein the first generation payment inquiry result or the second generation payment inquiry result further includes a payment operation scope corresponding to the payment identifier; accordingly, the acquirer server further includes:

the query unit is used for querying and obtaining the business operation range corresponding to the business identification according to the business identification included in the order information;

and the termination unit is used for terminating the payment-instead transaction corresponding to the payment-instead transaction request if the operation range of the merchant corresponding to the merchant identifier exceeds the payment operation range corresponding to the payment identifier.

12. The acquirer server according to claim 8, wherein the determining unit includes:

the first generating subunit is used for generating a graphic verification code according to the order information and a preset password generating algorithm;

and the second generation subunit is used for generating a verification picture by taking the shopping site picture as a picture background and taking the order information and the graphic verification as picture content.

13. The acquirer server according to claim 12, wherein the sending unit is specifically configured to:

14. The acquirer server according to claim 12, wherein the sending unit is specifically configured to:

15. A payment-as-needed system for on-site shopping, comprising the acquirer server, the merchant terminal, and the mobile terminal according to any one of claims 8 to 14, wherein:

16. The system of claim 15, further comprising a client-side server and a third-party server, wherein:

the mobile terminal is in wireless communication connection with the client-side account-opening bank server, and the acquiring bank server, the client-side account-opening bank server and the third-party server are connected through a financial clearing network.

17. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 7 are implemented when the computer program is executed by the processor.

18. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.