CN112651727B

CN112651727B - On-site shopping payment replacing method, acquirer server and system

Info

Publication number: CN112651727B
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: 2024-03-29
Anticipated expiration: 2040-12-21
Also published as: CN112651727A

Abstract

The invention provides a payment replacing method, an acquirer server and a system for on-site shopping, which can be used in the financial field or other technical fields. The method comprises the following steps: receiving a payment transaction request sent by a merchant terminal; determining a mobile phone number and a payment account number corresponding to the payment identification according to the payment identification, and generating verification information and payment information according to the shopping site photo and the order information; sending payment request information to a mobile terminal corresponding to the mobile phone number, wherein the payment request information comprises the verification information and the payment information; and if the payment-replacing confirmation information is received and the verification confirmation information included in the payment-replacing 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-replacing transaction. The acquirer server is used for executing the method. The on-site shopping payment replacing method, the acquirer server and the system provided by the embodiment of the invention improve the payment convenience.

Description

On-site shopping payment replacing method, acquirer server and system

Technical Field

The invention relates to the technical field of electronic payment, in particular to a payment replacing method, an acquirer server and a system for on-site shopping.

Background

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

For people who pay by using a network such as a smart phone, the network payment brings great convenience. However, for many people who cannot or are inconvenient to use network payment tools such as smartphones, for example, elderly, minors and disabled people, the convenience of network payment cannot be enjoyed, and particularly, people with huge elderly people are considered to have entered into the aging society in China.

Therefore, how to provide a payment method, on the premise of ensuring the payment safety, people who cannot use network payment can enjoy the convenience of network payment, and the method becomes an important subject to be solved in the field.

Disclosure of Invention

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

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

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

Determining a mobile phone number and a payment account number corresponding to the payment identification according to the payment identification, and generating verification information and payment information according to the shopping site photo and the order information;

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

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

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

the receiving unit is used for receiving a payment transaction request sent by the merchant terminal, wherein the payment 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 number corresponding to the payment identification according to the payment identification, and generating verification information and payment information according to the shopping site photo and the order information;

the sending unit is used for sending payment request information to the mobile terminal corresponding to the mobile phone number, wherein the payment request information comprises the verification information and the payment information;

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

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

the merchant terminal is in communication connection with the acquirer server, and the acquirer 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 on the memory and executable on the processor, the processor implementing the steps of the method for replacing a live shopping as described in any of the embodiments above when the program is executed.

In a fifth aspect, the present invention provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the method for replacing a live shopping described in any of the above embodiments.

According to the on-site shopping payment method, the acquisition bank server and the system, the payment transaction request sent by the merchant terminal can be received, the payment transaction request comprises order information, a shopping site photo and a payment identifier, a mobile phone number and a payment account number corresponding to the payment identifier are determined according to the payment identifier, verification information and payment information are generated according to the shopping site photo and the order information, the payment request information is sent to a mobile terminal corresponding to the mobile phone number, the payment request information comprises the verification information and the payment information, if the payment confirmation information is received and matched with the verification information, order payment processing is carried out according to the order information and the payment account number to complete the payment transaction, the merchant terminal initiates the payment transaction, no operation is required by on-site shoppers, convenient and safe payment services can be provided for the old and people inconvenient to use network payment tools such as smart phones, and the like, and convenience of payment is improved.

Drawings

In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:

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

Fig. 2 is a flow chart of a method for replacing a live shopping provided by a second embodiment of the present invention.

Fig. 3 is a flowchart of a method for replacing a live shopping according to a third embodiment of the present invention.

Fig. 4 is a flowchart of a method for replacing a live shopping according to a fourth embodiment of the present invention.

Fig. 5 is a flowchart showing a method for paying a substitute for on-site shopping according to a fifth embodiment of the present invention.

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

Fig. 7 is a flowchart of a method for replacing a live shopping provided by the seventh embodiment of the invention.

Fig. 8 is a flowchart of a method for replacing a live shopping provided by the eighth embodiment of the invention.

Fig. 9 is a flowchart of a method for replacing a live shopping provided by the ninth embodiment of the invention.

Fig. 10 is a flowchart illustrating a method for paying a substitute for on-site shopping according to a tenth embodiment of the present invention.

Fig. 11 is a schematic flow chart of a registration application for payment identification 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 view 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 of an electronic device according to an eighteenth embodiment of the present invention.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention. It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be arbitrarily combined with each other.

In order to facilitate understanding of the technical solutions provided in the present application, the following description will first explain relevant content of the technical solutions of the present application. By using the on-site shopping payment method provided by the embodiment of the invention, the bank can cooperate with widely distributed merchants, so that the group which can not use or use network payment tools conveniently and safely enjoys the payment experience brought by network payment, the payment scene, the amount and the like of minors can be conveniently managed and controlled by the payment party, the defect of the existing network payment technology in the payment field is overcome, the retail business is conveniently expanded by the bank, and the convenience and safety of the payment transaction are improved.

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 an embodiment of the present invention includes an acquirer server 1, a merchant terminal 2, and a mobile terminal 3, wherein:

the merchant terminal 2 is in communication connection with the acquirer server 1, and the acquirer 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 be a smart phone, a tablet computer, or the like.

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

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

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

The acquirer server 1 is used for inquiring a mobile phone number and a payment account number corresponding to the payment identifier according to the payment identifier after judging that the payment identifier belongs to the acquirer, and generating verification information and payment information according to the shopping site photo and the order information; and sending payment request information carrying the verification information and the payment information to the mobile terminal 3, and after receiving payment confirmation information returned by the mobile terminal 3 and the verification confirmation information included in the 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 payment transaction.

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

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

specifically, when the customer purchases on site, if it is inconvenient to pay by himself, the commodity can be purchased in a substitute payment manner. The method comprises the steps that a customer provides a payment identifier for a merchant, the merchant collects photos of on-site shopping of the customer as on-site shopping photos, the merchant generates order information for commodities purchased by the customer through a merchant terminal, and then a payment transaction request is sent to an acquirer server, wherein the payment transaction request can comprise the order information, the on-site shopping photos and the payment identifier. The acquirer server receives the payment transaction request. The order information may include order summary information and commodity detail information, where the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, a payment amount, and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The commodity detail information can comprise information such as commodity names, commodity quantity, commodity unit price and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The payment identification can be obtained by applying for a payment client in advance through a bank corresponding to the acquirer server. The paying client is a person who pays instead of other people, for example, the paying client can pay for goods purchased by own parents, friends and children.

For example, zhang Mou is unlikely to use a web payment tool, the child sheetlet of Zhang Mou handles the payment service to bank a for convenience of the father to shop, applies for payment identity e, and informs father Zhang Mou of payment identity e.

Zhang Mou to shopping mall, a commodity is purchased at a merchant b, a worker of the merchant b is informed of payment in a payment substitute mode, and a payment identifier e is informed, and an acquirer of the merchant b is a bank a. The staff of merchant B will input payment identification e to merchant terminal B and let Zhang Mou hold the merchandise to be purchased and take a picture through the camera, and the obtained picture is uploaded to merchant terminal B of merchant B as Zhang Mou shopping scene picture. The staff of merchant B then generates order information for the items purchased by merchant terminal B, including order summary information including the order number, merchant identification of merchant B, address of merchant B, transaction time stamp, and payment amount, and item detail information, for Zhang Mou. And the staff of the merchant B sends a payment replacement transaction request to the acquirer server A of the merchant B through the merchant terminal B, wherein the payment replacement transaction request comprises the order information, the Zhang Mou shopping site photo and the payment identifier e.

S202, if the payment identifier belongs to an acquirer, obtaining a first generation payment inquiry result by local inquiry, 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 photo and the order information;

specifically, after receiving the payment transaction request, the acquirer server may determine whether the payment identifier belongs to the acquirer, and if so, may obtain a first generation payment query result by locally querying according to the payment identifier, where the first generation payment query result includes a mobile phone number and a payment account number corresponding to the payment identifier. The acquirer server also generates verification information and payment information according to the shopping site photo and the order information, and generates the verification information based on the shopping site photo and the order information, so that the falsification of the substitute transaction can be avoided, and the safety of the substitute transaction is improved. The payment information may include an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, which are set according to actual needs, and the embodiment of the invention is not limited. The verification information is used for payment verification. When the payment identification is applied, the payment identification is associated with the mobile phone number, the payment account number and other information and stored in the bank.

For example, the acquirer server may query the database for whether the same payment identifier exists according to the payment identifier, and if so, the payment identifier is applied for by a bank corresponding to the acquirer server, where the payment identifier belongs to the acquirer. Or the payment identifier comprises a bank identifier, the acquirer server can acquire the bank identifier from the payment identifier, and if the bank identifier in the payment identifier is the same as the bank identifier of a bank corresponding to the acquirer server, the payment identifier is applied for by the bank corresponding to the acquirer server, and the payment identifier belongs to the acquirer. Wherein, the bank identification bit corresponds to the bank one by one. The payment identifiers are in one-to-one correspondence with the bank identifiers.

For example, after receiving the payment 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 acquirer 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 small bank a.

The acquiring bank server A also generates a verification code according to the order information and Zhang Mou shopping site photos included in the payment transaction request, and generates payment information according to the order information, wherein the verification code is used as verification information of the payment transaction, and the acquiring bank server A stores the verification code to a local 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 request information to the mobile terminal corresponding to the mobile phone number, wherein the payment request information comprises the verification information and the payment information;

specifically, after the acquiring bank server acquires the mobile phone number, the acquiring bank server sends payment request information to the mobile terminal corresponding to the mobile phone number, wherein the payment request information comprises 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 client confirms the payment information and returns payment confirmation information to the acquirer server 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.

For example, the acquirer server a sends payment replacement request information to the smart phone C corresponding to the mobile phone number of the sheetlet, where the payment replacement 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. Wherein the verification code is generated based on Zhang Mou shopping site photos and order information.

After receiving the payment request information, the smart phone C may display the payment request information, and if the payment request information is seen by the small Zhang Cha, if a query is made for the payment transaction, the smart phone C may dial Zhang Mou a phone number, verify Zhang Mou whether shopping is being performed through phone communication, and confirm the payment transaction after verifying that the confirmation Zhang Mou is indeed being performed by the merchant b. If the small sheet is found to be a merchant frequently purchased by father Zhang Mou through payment information, the payment transaction can also be directly confirmed. The sheet can send a substitute payment confirmation message to the acquirer server A through the smart phone C, wherein the substitute payment confirmation message comprises a verification code input by the sheet through the smart phone C, and the verification code included in the substitute payment confirmation message is used as verification confirmation information.

It will be appreciated that if the sheetlet communicates with father Zhang Mou by telephone to find that father Zhang Mou is not shopping at merchant b, the payment transaction information is not validated. And meanwhile, the customer service frozen payment identifier e of the bank a can be contacted for safety.

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

Specifically, if the acquiring bank server receives the payment replacing confirmation information returned by the mobile terminal and judges that the verification confirmation information included in the payment replacing confirmation information is matched with the verification information, the acquiring bank server can perform order payment processing according to the order information and the payment account number, and after the order payment is successful, payment success information can be sent to the merchant terminal and the mobile terminal. After the merchant staff checks the payment success information, the merchant staff can inform the client that the payment is successful and can carry the purchased commodity away.

For example, the smart phone C sends a payment-for-a-payment confirmation message to the acquirer server a, where the payment-for-a-payment confirmation message includes the verification code input by the smart phone C for the sheetlet. After receiving the substitution confirmation information, the acquiring bank server A acquires the verification code from the substitution confirmation information, compares the verification code included in the substitution confirmation information with the locally stored verification code, and if the verification code included in the substitution confirmation information is identical to the locally stored verification code, the verification confirmation information included in the substitution 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 of the merchant b opened at the bank a according to the merchant identification of the merchant b, then initiates transfer transaction, and transfers the payment amount from the payment account number corresponding to the payment identification e to the bank account number of the merchant b opened at the bank a. After the transfer is completed, the acquirer server A sends payment success information to the merchant terminal B, and after the staff of the merchant B sees the payment success information, zhang Mou payment transaction is completed, and commodity purchase is successful. The acquirer server a may also send payment success information to the smartphone C.

According to the on-site shopping payment method provided by the embodiment of the invention, the payment transaction request sent by the merchant terminal can be received, after the payment identifier is judged to belong to the acquirer, the mobile phone number and the payment account corresponding to the payment identifier are inquired according to the payment identifier, verification information and payment information are generated according to the shopping site photo and the order information, the payment request information is sent to the mobile terminal corresponding to the mobile phone number, after the payment confirmation information is received and the verification confirmation information included in the payment confirmation information is matched with the verification information, order payment processing is carried out according to the order information and the payment account to complete the payment transaction, the merchant terminal initiates the payment transaction, no operation is required by on-site shoppers, convenient and safe payment services can be provided for the old and people inconvenient to use network payment tools such as smart phones, and the convenience of payment is improved.

Fig. 3 is a flow chart of a method for replacing a live shopping according to a third embodiment of the present invention, as shown in fig. 3, further, on the basis of the above embodiments, the generating verification information according to the live shopping photograph and the order information 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 passcode, the acquirer server saves the graphical passcode locally for subsequent verification. The password generation algorithm is preset, for example, is a digest algorithm or a symmetric encryption algorithm, and is set according to actual needs, which is not limited by the embodiment of the invention.

S302, 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.

Specifically, the acquirer server may use the shopping site photograph as a picture background, and use the order information and the graphic verification as picture contents, and generate a verification picture according to a preset picture template. And viewing the shopping site photo through the verification picture, wherein the order information and the graphic verification code. The verification picture can be sent to the mobile terminal as verification information, a payment client can check a shopping site photo and order information on the verification picture on the mobile terminal, can also see a graphic verification code, can input the graphic verification code on the mobile terminal as verification confirmation information and returns the verification information to the acquirer server. The verification of the substitution transaction is carried out based on the graphic verification code generated by the order information, so that the tampering of the substitution order can be avoided, and the safety of the substitution 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 payment request information to the mobile terminal corresponding to the mobile phone number includes:

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

Specifically, if the payment identifier belongs to an acquirer, the acquirer server may carry the verification picture in the payment 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 phone banking channel. After receiving the payment request information, the mobile terminal can display the verification picture, the payment client can check a shopping site photo, the order information and a graphic verification code on the verification picture, the payment client opens a mobile banking client on the mobile terminal and can check the payment interface information, the shopping site photo and the order information are seen on the payment interface information, if the shopping site photo and the order information are the same as those displayed on the verification picture, the payment client can input the graphic verification code on an interface of the mobile terminal for displaying the payment interface information and confirm payment, and then the mobile terminal can send payment confirmation information carrying the graphic verification code to the receipt server. The acquirer side server verifies whether the graphical verification code included in the payment-replacing confirmation information is identical to the locally stored graphical verification code, and if so, subsequent order payment processing is performed. If the payment information is different, the payment transaction can be terminated, payment failure information can be sent to the merchant terminal, and the payment failure information can be fed back to the mobile terminal.

According to the on-site shopping payment method provided by the embodiment of the invention, on one hand, the on-site shopping photo is used as the picture background of the verification picture, 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, on the other hand, the payment interface is pushed to the mobile phone bank client through the payment network, the graphic verification code is input, the loss caused by opening a malicious link to the client in a link mode in a short message is avoided, the use of the graphic verification code generated based on the order information is avoided, the falsification of the payment order is avoided, and the security of the payment transaction is enhanced.

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

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

Specifically, the first payment inquiry result includes a payment operation range corresponding to the payment identifier, and the acquirer side server may inquire and obtain the operation range of the 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 the contract of the operation range of the paid merchant when the identifier is applied, the merchant in the contracted operation range can pay by the payment identifier, and the merchant not in the contracted operation range cannot pay.

And S402, if judging that the business scope of the merchant corresponding to the merchant identification exceeds the payment business scope corresponding to the payment identification, terminating the payment transaction corresponding to the payment transaction request.

Specifically, the acquirer server compares the business scope of the merchant corresponding to the merchant identifier with the payment business scope corresponding to the payment identifier, and if the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier, the payment transaction corresponding to the payment transaction request is terminated. After terminating the payment transaction corresponding to the payment transaction request, the acquirer server may send payment transaction failure prompt information exceeding a payment operation range to the merchant terminal. By limiting the payment operation range corresponding to the payment identification, management and control of payment scenes of the payment transaction can be realized.

For example, the son of Li Mou is underage, li Mou handles the payment service at bank h for convenience of son shopping, applies for payment identification f, and notifies the son of the small light of payment identification f. Li Mou in order to manage the small and bright payment scene of son, the payment management scope corresponding to the payment mark f is agreed, and the management scope of the agreed bars, billiard halls, game halls, singing halls, KTVs and Internet bars is not in the payment management scope corresponding to the payment mark f.

The small bright game hall d consumes, informs the staff of the game hall d to purchase the game money in a substitute payment mode, and informs the payment identification f, and the acquirer of the game hall d is a bank h. And a worker in the game hall D sends a payment transaction request to an acquirer server H of the bank H through a merchant terminal D of the game hall D, wherein the payment transaction request comprises order information, a small bright on-site shopping photo and a payment identifier f. Wherein the order information includes a merchant identification dd of the casino d.

After judging that the payment identifier f belongs to the bank H, the acquiring side server H can query according to the merchant identifier dd to obtain that the operation range corresponding to the merchant identifier dd comprises game entertainment, the acquiring side server H queries the corresponding payment operation range according to the payment identifier f, the acquiring side 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 side server H can reject the merchant terminal D to send a payment exchange request and terminate the payment exchange.

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

the payment transaction request is sent after being cryptographically signed.

Specifically, in order to secure the transmission of the payment transaction request, the payment transaction request is sent after being cryptographically signed. The acquirer server may decrypt the cryptographically signed payment transaction request according to the cryptographically signed public key after receiving the cryptographically signed payment transaction request.

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

first, a payment transaction request is sent. And the merchant terminal sends a payment transaction request to the acquirer server, wherein the payment transaction request comprises order information, a shopping site photo and a payment identifier.

And secondly, inquiring the information related to the payment transaction. The acquirer server judges whether the payment identifier belongs to the acquirer, if the payment identifier belongs to the acquirer, the mobile phone number and the payment account number corresponding to the payment identifier are inquired according to the payment identifier, and verification information and payment information are generated according to the shopping site photo and the order information.

And thirdly, sending payment request information. And the acquiring bank server transmits payment request information to the mobile terminal corresponding to the mobile phone number, wherein the payment request information comprises the verification information and the payment information.

Fourth, returning the payment replacement confirmation information. The mobile terminal returns the payment replacement confirmation information to the acquirer server. After the payment request information is checked by the mobile terminal, the payment information can be confirmed by the payment client, and payment confirmation information is returned to the acquirer server 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.

And fifthly, performing order payment processing. And after judging or substituting verification information included in the verification information is matched with verification information, the acquiring bank server performs order payment processing according to the order information and the payment account number.

And sixthly, sending payment success information. After the order payment is completed, the acquirer 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 system for on-site shopping according to a sixth embodiment of the present invention, and as shown in fig. 6, the payment system for on-site shopping according to an embodiment of the present invention includes a merchant terminal 100, a mobile terminal 200, an acquirer server 300, a payment client account opening server 400 and a third party server 500, wherein:

The merchant terminal 100 is in communication connection with the acquirer side server 300, the mobile terminal 200 is in communication connection with the proxy client account opening server 400, and the acquirer side server 300, the proxy client account opening server 400 and the third party server 500 are connected through a financial clearing network.

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

The third party server 500 may be a server of a cross-bank money transfer intermediary organization, on one hand, can receive a registration application of a payment identifier submitted by a payment client through an opening bank, provide a query interface of the payment identifier to the acquiring bank server 300 and the payment client opening bank server 400, obtain corresponding client name, payment account number, mobile phone number, opening bank of the payment account, payment operation range and other information according to the payment identifier query, and feed back to the acquiring bank server or the payment client opening bank server. On the other hand, clearing of the cross-line transfer is enabled.

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

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

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

the acquirer server 300 is configured to, after determining that the payment identifier does not belong to an acquirer, send a payment inquiry request to the third party server 500, generate verification information and payment information according to the shopping site photo and the order information, send the payment request information to the mobile terminal 200 through the payment client issuer server 400, obtain a collection account number and a payment amount based on the order information after receiving the payment confirmation information and the verification confirmation information included in the payment confirmation information matches with the verification information, and send an order payment request to the payment client issuer server 400 to complete a payment transaction; wherein the payment request information includes the verification information and the payment information, and the order payment request includes 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 flow chart of a payment method for on-site shopping according to a seventh embodiment of the present invention, and as shown in fig. 7, the payment method for on-site shopping according to the embodiment of the present invention includes:

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

specifically, when the customer purchases on site, if it is inconvenient to pay by himself, the commodity can be purchased in a substitute payment manner. The method comprises the steps that a customer provides a payment identifier for a merchant, the merchant collects photos of on-site shopping of the customer as on-site shopping photos, the merchant generates order information for commodities purchased by the customer through a merchant terminal, and then a payment transaction request is sent to an acquirer server, wherein the payment transaction request can comprise the order information, the on-site shopping photos and the payment identifier. The acquirer server receives the payment transaction request. The order information may include order summary information and commodity detail information, where the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, a payment amount, and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The commodity detail information can comprise information such as commodity names, commodity quantity, commodity unit price and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The payment identification is obtained by applying the payment client to a third party server through the payment client account opening server and is stored on the third party server and the payment client account opening server.

S702, if the payment identification does not belong to an acquirer, sending a payment inquiry request to a third party server; wherein the payment inquiry request includes the payment identification;

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

For example, the acquirer server may query a database for whether the same payment identifier exists according to the payment identifier, and if not, indicate that the payment identifier is not applied by a bank corresponding to the acquirer server, and the payment identifier does not belong to the acquirer. Or the payment identifier comprises a bank identifier, the acquirer server can acquire the bank identifier from the payment identifier, and if the bank identifier in the payment identifier is different from the bank identifier of the bank corresponding to the acquirer server, the payment identifier does not pass through the bank application corresponding to the acquirer server, and the payment identifier does not belong to the acquirer. Wherein, the bank identification bit corresponds to the bank one by one. The payment identifiers are in one-to-one correspondence with the bank identifiers.

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

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, a payment account number and an account opening row of the payment account number corresponding to the payment identifier.

S704, generating verification information and payment information according to the shopping site photos and the order information, and sending payment request information to a mobile terminal corresponding to the mobile phone number through a server of an opening bank of the payment account; the payment request information includes 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 the verification information based on the shopping site photo and the order information, so that the substitution transaction can be prevented from being tampered, and the safety of the substitution transaction is improved. And the acquirer server sends a payment assistance request to the payment client account opening server, wherein the payment assistance request comprises payment request information and the mobile phone number. And after receiving the payment assistance request, the payment client account opening server sends the payment request information to the mobile terminal corresponding to the mobile phone number. Wherein the payment 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, which are set according to actual needs, and the embodiment of the invention is not limited. The verification information is used for payment verification. When the payment identification is applied, the payment identification is associated with the mobile phone number, the payment account number and other information and stored in the bank.

S705, if the payment-replacing confirmation information is received and the verification confirmation information included in the payment-replacing confirmation information is matched with the verification information, acquiring a collection account number and a payment amount based on the order information, and sending an order payment request to a server of an opening party of the payment account number so as to complete payment-replacing transaction; the payment confirmation information is sent to the server of the account opening row of the payment account by the mobile terminal and forwarded by the server of the account opening row of the payment account; the order payment request includes the collection account number, the payment account number, and the payment amount.

Specifically, after checking the verification information and the payment information displayed by the mobile terminal, the payment client confirms the payment information and sends payment confirmation information to the payment client account opening server 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. And after the payment client account opening row server receives the payment confirmation information, forwarding the payment confirmation information to the acquirer row server. And if the acquiring bank server receives the payment-replacing confirmation information forwarded by the third party server and judges that the verification confirmation information included in the payment-replacing confirmation information is matched with the verification information, acquiring a collection account number and a payment amount based on the order information, and then sending an order payment request to the payment-replacing client account opening bank server, wherein the order payment request comprises the collection account number, the payment account number and the payment amount. After receiving the order payment request, the proxy payment client opening server transfers funds to the payment account, and then sinks funds of the payment amount to the collection account, and the proxy payment client opening server can send payment completion information to the mobile terminal. The acquirer server will check in funds for the payment amount to the collection account number. After the order payment is successful, the acquirer server may send payment success information to the merchant terminal. After the merchant staff checks the payment success information, the merchant staff can inform the client that the payment is successful and the payment substituting transaction is completed.

According to the on-site shopping payment method provided by the embodiment of the invention, the payment transaction request sent by the merchant terminal can be received, after the payment identifier is judged to be not in the acquirer, the payment inquiry request is sent to the third party server, the second payment inquiry result returned by the third party server is received, verification information and payment information are generated according to the shopping site photo and order information, the payment request information is sent to the mobile terminal corresponding to the mobile phone number through the server of the opening party of the payment account, after the payment confirmation information is received and the verification confirmation information included in the payment confirmation information is matched with the verification information, the payment account number and the payment amount are obtained based on the order information, and the order payment request is sent to the server of the opening party of the payment account number so as to complete the payment transaction, the payment transaction is initiated by the merchant terminal, no operation is required by the on-site shopper, and convenient and safe payment services can be provided for the old people and the network payment tools inconvenient to use smart phones and the like, and the payment convenience is improved. In addition, the merchant channel of the payment-substituting transaction is not limited to merchants with the same account opening row as the payment-substituting client, namely the merchants and the account opening row of the payment-substituting client can not be the same bank, so that the merchant range of the payment-substituting transaction is greatly expanded.

Fig. 8 is a flowchart of a method for replacing a live shopping according to an eighth embodiment of the present invention, as shown in fig. 8, further, on the basis of the above embodiments, the generating verification information according to the live shopping photograph and the order information 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, taking the order information and the graphic verification as picture contents, and generating a verification picture.

and sending the verification picture carried in the substitute payment request information to the mobile terminal in a multimedia message mode through a server of an account opening party of the payment account, and pushing payment interface information to the mobile terminal from a mobile banking channel through the server of the account opening party 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 an acquirer, the acquirer server may carry the verification picture in the payment 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 phone banking channel. After receiving the payment request information, the mobile terminal can display the verification picture, the payment client can check a shopping site photo, the order information and a graphic verification code on the verification picture, the payment client opens a mobile banking client on the mobile terminal and can check the payment interface information, the shopping site photo and the order information are seen on the payment interface information, if the shopping site photo and the order information are the same as those displayed on the verification picture, the payment client can input the graphic verification code on an interface of the mobile terminal for displaying the payment interface information and confirm payment, and then the mobile terminal can send payment confirmation information carrying the graphic verification code to the payment client account opening server. And the payment client account opening line server forwards the payment confirmation information to the acquirer line server. The acquirer server verifies whether the graphical verification code included in the payment confirmation information is identical to the locally stored graphical verification code, and if so, sends an order payment request to complete the payment transaction. If the payment information is different, the payment transaction can be terminated, payment failure information can be sent to the merchant terminal, and meanwhile, the payment failure information can be fed back to the mobile terminal through the payment client account opening server.

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

s901, inquiring and obtaining the business scope of the merchant corresponding to the merchant identification according to the merchant identification included in the order information;

specifically, after receiving the payment inquiry request, the third party server may obtain a payment operation range corresponding to the payment identifier according to the payment identifier inquiry, and send the second generation payment inquiry result carried by the payment operation range corresponding to the payment identifier 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 acquirer server can inquire and acquire the business scope of the merchant corresponding to the merchant identification according to the merchant identification included in the order information.

And S902, if judging that the business scope of the merchant corresponding to the merchant identification exceeds the payment business scope corresponding to the payment identification, terminating the payment transaction corresponding to the payment transaction request.

Further, on the basis of the above embodiments, the substitution transaction request is sent after being cryptographically signed.

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

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

And thirdly, returning the second generation of paid query results. And 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 identification according to the payment identification, and then returns the mobile phone number, the payment account number and the account opening row of the payment account corresponding to the payment identification to the acquirer server in a second payment inquiry result. The mobile phone number corresponds to the mobile terminal; the opening behavior of the payment account is paid to a bank corresponding to the client opening behavior server instead of the bank corresponding to the client opening behavior server.

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

And fifthly, sending a substitution assistance request. The acquirer server sends a payment assistance request to the payment client account opening server, wherein the payment assistance request comprises payment request information and a mobile phone number.

And sixthly, sending payment request information. And the payment client account opening server sends payment request information to the mobile terminal based on the mobile phone number.

And seventh, sending the payment replacement confirmation information. After checking the verification information and the payment information displayed by the mobile terminal, the payment client confirms the payment information, and sends payment confirmation information to the payment client account opening server through the mobile terminal, wherein the payment confirmation information comprises the verification confirmation information.

And eighth step, forwarding the substitute payment confirmation information. After receiving the payment confirmation information, the payment client account opening row server forwards the payment confirmation information to the acquirer row server.

And ninth, sending an order payment request. After receiving the payment-replacing confirmation information, the acquiring bank server obtains a collection account number and a payment amount based on the order information if the verification confirmation information included in the payment-replacing confirmation information is judged to be matched with the verification information, and then sends an order payment request to the payment-replacing client account opening bank server, wherein the order payment request comprises the collection account number, the payment account number and the payment amount.

And tenth, sending a fund import request. After receiving the order payment request, the payment account is transferred by the payment client opening server, and then a fund exchange request is sent to the acquirer server to exchange funds of the payment amount into the collection account.

Eleventh step, send the successful information of payment. The acquirer server can deposit funds of the payment amount into the collection account number and then send payment success information to the merchant terminal. After the merchant staff checks the payment success information, the merchant staff can inform the client that the payment is successful and the payment substituting transaction is completed.

Fig. 11 is a schematic flow chart of a registration application of a payment identifier provided by an eleventh embodiment of the present invention, and as shown in fig. 11, the flow chart of the registration application of the payment identifier provided by the embodiment of the present invention is as follows:

and the first step, sending a payment identification registration request. The payment client can send a registration request of a payment identifier to the payment client account opening server through the mobile terminal, and the registration request of the payment identifier can comprise information such as a mobile phone number of the payment client, an identity card number, a bank account number of the payment client, which is opened at a bank corresponding to the payment client account opening server, and the like.

And secondly, forwarding a payment identification registration request. The payment identification registration request is forwarded to the third party server by the payment client account opening server, and the payment identification registration request of the payment client is approved by a third party staff. After the approval passes, the third party server generates a unique corresponding payment identifier for the paying client, and stores the payment identifier in correspondence with the mobile phone number, the identification card number, the bank account number and other information of the paying client, which are arranged at the bank corresponding to the paying client account opening server.

And thirdly, sending registration success information. The third party server sends registration success information to the payment client account opening server, wherein the registration success information comprises a payment identifier. The proxy client account opening server forwards the registration success information to the mobile terminal.

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

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

Specifically, when the customer purchases on site, if it is inconvenient to pay by himself, the commodity can be purchased in a substitute payment manner. The customer provides payment identification to the merchant, the merchant collects photos of the customer site shopping as shopping site photos, the merchant generates order information for goods purchased by the customer through the merchant terminal, and then sends a payment transaction request to the first receiving unit 1201, wherein the payment transaction request can comprise the order information, the shopping site photos and the payment identification. The first receiving unit 1201 receives the payment transaction request. The order information may include order summary information and commodity detail information, where the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, a payment amount, and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The commodity detail information can comprise information such as commodity names, commodity quantity, commodity unit price and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The payment identification can be obtained by applying for a payment client in advance through a bank corresponding to the acquirer server.

After receiving the payment transaction request, the first query unit 1202 determines whether the payment identifier belongs to an acquirer, and if so, may query locally according to the payment identifier to obtain a first payment query result, where the first payment query result includes a mobile phone number and a payment account corresponding to the payment identifier. The first query unit 1202 also generates verification information and payment information according to the shopping site photograph and the order information, and generates verification information based on the shopping site photograph and the order information, so that the substitute transaction can be prevented from being tampered, and the security of the substitute transaction can be improved. The payment information may include an order number, a merchant identifier, a merchant address, a transaction timestamp, and a payment amount, which are set according to actual needs, and the embodiment of the invention is not limited. The verification information is used for payment verification. When the payment identification is applied, the payment identification is associated with the mobile phone number, the payment account number and other information and stored in the bank.

After the mobile phone number is obtained, the first sending unit 1203 sends payment request information to the mobile terminal corresponding to the mobile phone number, where the payment request information includes the verification information and the payment information. The mobile terminal displays the authentication information and the payment information. And after checking the verification information and the payment information displayed by the mobile terminal, the payment client confirms the payment information and returns payment confirmation information 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.

And if the payment processing unit 1204 receives payment confirmation information returned by the mobile terminal and judges that verification confirmation information included in the payment confirmation information is matched with the verification information, the payment processing unit can perform order payment processing according to the order information and the payment account number, and after the order payment is successful, payment success information can be sent to the merchant terminal and the mobile terminal. After the merchant staff checks the payment success information, the merchant staff can inform the client that the payment is successful and can carry the purchased commodity away.

The acquiring bank server provided by the embodiment of the invention can receive the payment transaction request sent by the merchant terminal, inquire the mobile phone number and the payment account number corresponding to the payment identifier according to the payment identifier after judging that the payment identifier belongs to the acquiring bank, generate verification information and payment information according to the shopping site photo and the order information, send the payment request information to the mobile terminal corresponding to the mobile phone number, and perform order payment processing according to the order information and the payment account number after receiving the payment confirmation information and matching the verification confirmation information included in the payment confirmation information with the verification information so as to complete the payment transaction, so that the merchant terminal initiates the payment transaction without any operation of site shoppers, thereby providing convenient and safe payment service for the elderly and people inconvenient to use network payment tools such as smart phones and the like and improving the convenience of payment.

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

the first generating subunit 12021 is configured to generate a graphic verification code according to the order information and a preset password generating algorithm; the second generation subunit 12022 is configured to generate a verification picture with the shopping site photograph as a picture background, and with the order information and the graphic verification as picture contents.

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

The second generation subunit 12022 may generate a verification picture according to a preset picture template with the shopping site photo as a picture background and the order information and the graphic verification as picture contents. And viewing the shopping site photo through the verification picture, wherein the order information and the graphic verification code. The verification picture can be sent to the mobile terminal as verification information, a payment client can check a shopping site photo and order information on the verification picture on the mobile terminal, can also see a graphic verification code, can input the graphic verification code on the mobile terminal as verification confirmation information and returns the verification information to the acquirer server. The verification of the substitution transaction is carried out based on the graphic verification code generated by the order information, so that the tampering of the substitution order can be avoided, and the safety of the substitution transaction is enhanced. The picture template is set according to actual needs, and the embodiment of the invention is not limited.

Further, based on the above embodiments, the first sending unit 1203 is specifically configured to:

Specifically, if the payment identifier belongs to an acquirer, the first sending unit 1203 may carry the verification picture in the payment 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 phone banking channel. After receiving the payment request information, the mobile terminal may display the verification picture, the payment client may view the purchase site photograph, the order information and the graphic verification code on the verification picture, open a mobile banking client on the mobile terminal, view the payment interface information, and view the purchase site photograph and the order information on the payment interface information, and if the purchase site photograph and the order information are the same as those displayed on the verification picture, the payment client may input the graphic verification code on the interface of the mobile terminal displaying the payment interface information and confirm payment, and then the mobile terminal may return payment confirmation information carrying the graphic verification code to the payment processing unit 1204.

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

the second query unit 1205 is configured to 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 first terminating unit 1206 is configured to terminate the payment transaction corresponding to the payment transaction request after determining that the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier.

Specifically, the first generation query result includes a payment operation range corresponding to the payment identifier, and the second query unit 1205 may query to obtain, after determining that the payment identifier belongs to an acquirer, a business 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 the contract of the operation range of the paid merchant when the identifier is applied, the merchant in the contracted operation range can pay by the payment identifier, and the merchant not in the contracted operation range cannot pay.

The first terminating unit 1206 compares the business scope of the merchant corresponding to the merchant identifier with the payment business scope corresponding to the payment identifier, and terminates the payment transaction corresponding to the payment transaction request if the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier. After terminating the payment transaction corresponding to the payment transaction request, the first termination unit 1206 may send payment transaction failure prompt information exceeding a payment operation range to the merchant terminal. By limiting the payment operation range corresponding to the payment identification, management and control of payment scenes of the payment transaction can be realized.

Specifically, in order to secure the transmission of the payment transaction request, the payment transaction request is sent after being cryptographically signed. The first receiving unit 1201 may decrypt the cryptographically signed payment transaction request according to the cryptographically signed public key after receiving the cryptographically signed payment transaction request.

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

The second receiving unit 1501 is configured to receive a payment transaction request sent by a merchant terminal, where the payment transaction request includes order information, a shopping site photograph and a payment identifier; the second sending unit 1502 is configured to send a payment query request to a third party server after the payment identifier does not belong to an acquirer; wherein the payment inquiry request includes the payment identification; 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 number, and an account opening row of the payment account number; the generating unit 1504 is configured to generate verification information and payment information according to the shopping site photograph and the order information, and send payment request information to a mobile terminal corresponding to the mobile phone number through a server of an account opening party of the payment account; the payment request information includes the verification information and the payment information; the third sending unit 1505 is configured to obtain a collection account number and a payment amount based on the order information after receiving the payment confirmation information and after the payment confirmation information includes verification confirmation information that matches the verification information, and send an order payment request to a server of an issuer of the payment account number to complete a payment transaction; the payment confirmation information is sent to the server of the account opening row of the payment account by the mobile terminal and forwarded by the server of the account opening row of the payment account; the order payment request includes the collection account number, the payment account number, and the payment amount.

Specifically, when the customer purchases on site, if it is inconvenient to pay by himself, the commodity can be purchased in a substitute payment manner. The customer provides payment identification to the merchant, the merchant collects photos of the customer's on-site shopping as on-site shopping photos, the merchant generates order information for the goods purchased by the customer through the merchant terminal, and then sends a payment transaction request to the second receiving unit 1501, wherein the payment transaction request can comprise the order information, the on-site shopping photos and the payment identification. The second receiving unit 1501 receives the payment transaction request. The order information may include order summary information and commodity detail information, where the order summary information may include information such as an order number, a merchant identifier, a merchant address, a transaction timestamp, a payment amount, and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The commodity detail information can comprise information such as commodity names, commodity quantity, commodity unit price and the like, and is set according to actual needs, and the embodiment of the invention is not limited. The payment identification is obtained by applying the payment client to a third party server through the payment client account opening server and is stored on the third party server and the payment client account opening server.

After receiving the payment transaction request, the second sending unit 1502 may determine whether the payment identifier belongs to an acquirer, and if not, may send a payment inquiry request to a third party server, where the payment inquiry request includes the payment identifier. After receiving the payment 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 the payment inquiry result and returns the result to the third receiving unit 1503.

The third receiving unit 1503 may receive a second generation payment query result returned by the third party server, where the second generation payment query result includes the mobile phone number corresponding to the payment identifier, the payment account number, and the account opening line of the payment account number.

The generating unit 1504 generates verification information and payment information according to the shopping site photograph and the order information, and generates verification information based on the shopping site photograph and the order information, so as to avoid falsification of the payment transaction and improve the security of the payment transaction. The generating unit 1504 sends a proxy assistance request to the proxy client account opening server, where the proxy assistance request includes proxy request information and the mobile phone number. And after receiving the payment assistance request, the payment client account opening server sends the payment request information to the mobile terminal corresponding to the mobile phone number. Wherein the payment 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, which are set according to actual needs, and the embodiment of the invention is not limited. The verification information is used for payment verification. When the payment identification is applied, the payment identification is associated with the mobile phone number, the payment account number and other information and stored in the bank.

After checking the verification information and the payment information displayed by the mobile terminal, the payment client confirms the payment information and sends the payment confirmation information to the payment client account opening server 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 confirmation information, the payment client account opening server forwards the payment confirmation information to the third sending unit 1505. The third sending unit 1505 receives the payment-replacing confirmation information forwarded by the third party server, and determines that the verification confirmation information included in the payment-replacing confirmation information is matched with the verification information, then obtains a collection account number and a payment amount based on the order information, and then sends an order payment request to the payment-replacing client account opening server, wherein the order payment request comprises the collection account number, the payment account number and the payment amount. After receiving the order payment request, the proxy payment client opening server transfers funds to the payment account, and then sinks funds of the payment amount to the collection account, and the proxy payment client opening server can send payment completion information to the mobile terminal. The third transmitting unit 1505 registers the funds of the payment amount to the collection account number. After the order payment is successful, the first acquirer server may send payment success information to the merchant terminal. After the merchant staff checks the payment success information, the merchant staff can inform the client that the payment is successful and the payment substituting transaction is completed.

The acquiring bank server provided by the embodiment of the invention can receive the payment transaction request sent by the merchant terminal, after judging that the payment identifier does not belong to the acquiring bank, send the payment inquiry request to the third party server, receive the second payment inquiry result returned by the third party server, generate verification information and payment information according to the shopping scene photo and order information, send the payment request information to the mobile terminal corresponding to the mobile phone number through the server of the opening bank of the payment account, obtain the collection account and payment amount based on the order information after receiving the payment confirmation information and the verification confirmation information included in the payment confirmation information is matched with the verification information, and send the order payment request to the server of the opening bank of the payment account to complete the payment transaction, and the merchant terminal initiates the payment transaction without any operation of the on-site shopper, thereby providing convenient and safe payment services for the old and people inconvenient to use network payment tools such as smart phones and the like, and improving the payment convenience. In addition, the merchant channel of the payment-substituting transaction is not limited to merchants with the same account opening row as the payment-substituting client, namely the merchants and the account opening row of the payment-substituting client can not be the same bank, so that the merchant range of the payment-substituting transaction is greatly expanded.

Fig. 16 is a schematic structural diagram of an acquirer server according to a sixteenth embodiment of the present invention, and as shown in fig. 16, further, based on the above embodiments, the generating unit 1504 includes a third generating subunit 15041 and a fourth generating subunit 15042:

the third generating subunit 15041 is configured to generate a graphic 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 with the shopping site photograph as a picture background and the order information and the graphic verification as picture contents.

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

The fourth generation subunit 15042 may generate the verification picture according to a preset picture template using the shopping site photograph as a picture background and the order information and the graphic verification as picture contents. And viewing the shopping site photo through the verification picture, wherein the order information and the graphic verification code. The verification picture is sent to the mobile terminal as verification information, and the substitute client can view the shopping site photo and the order information on the verification picture, can also see the graphic verification code, can input the graphic verification code on the mobile terminal as verification confirmation information, and returns the verification confirmation information to the third sending unit 1505. The verification of the substitution transaction is carried out based on the graphic verification code generated by the order information, so that the tampering of the substitution order can be avoided, and the safety of the substitution 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 above 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 request information, send the verification picture to the third party server, and then 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 phone banking channel. After receiving the payment request information, the mobile terminal can display the verification picture, the payment client can check a shopping site photo, the order information and a graphic verification code on the verification picture, the payment client opens a mobile banking client on the mobile terminal and can check the payment interface information, the shopping site photo and the order information are seen on the payment interface information, if the shopping site photo and the order information are the same as those displayed on the verification picture, the payment client can input the graphic verification code on an interface of the mobile terminal for displaying the payment interface information and confirm payment, and then the mobile terminal can send payment confirmation information carrying the graphic verification code to the payment client account opening server. The proxy payment client account opening server forwards the proxy payment confirmation information 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, as shown in fig. 17, where, based on the foregoing embodiments, the second-generation payment query result further includes a payment operation range corresponding to the payment identifier; correspondingly, the embodiment of the invention provides that the acquirer server further comprises a third query unit 1506 and a second termination unit 1507, wherein:

the third query unit 1506 is configured to 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 second termination unit 1507 is configured to terminate the payment transaction corresponding to the payment transaction request after determining that the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier.

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

After receiving the payment inquiry request, the third party server may inquire according to the payment identifier to obtain a payment operation range corresponding to the payment identifier, and send the second payment inquiry result carried by the payment operation range corresponding to the payment identifier to the second termination unit 1507, where the second termination unit 1507 may obtain the payment operation range corresponding to the payment identifier from the second payment inquiry result. The second terminating unit 1507 compares the business scope of the merchant corresponding to the merchant identifier with the payment business scope corresponding to the payment identifier, and if the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier, terminates the payment transaction corresponding to the payment transaction request. After terminating the payment transaction corresponding to the payment transaction request, the second termination unit 1507 may send a payment transaction failure prompt message to the merchant terminal, which exceeds the payment operation range. By limiting the payment operation range corresponding to the payment identification, management and control of payment scenes of the payment transaction can be realized.

Specifically, in order to secure the transmission of the payment transaction request, the payment transaction request is sent after being cryptographically signed. The second receiving unit 1501 may decrypt the cryptographically signed payment transaction request according to the cryptographically signed public key after receiving the cryptographically signed payment transaction request.

The embodiment of the apparatus provided in the embodiment of the present invention may be specifically used to execute the processing flow of each method embodiment, and the functions thereof are not described herein again, and may refer to the detailed description of the method embodiments. It should be noted that, the method, the server and the system for paying the on-site shopping provided by the embodiment of the invention can be used in the financial field, and can also be used in any technical field except the financial field.

Fig. 18 is a schematic physical structure of an electronic device according to an embodiment of the present invention, 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 perform communication with each other through the communication bus 1804. The processor 1801 may call logic instructions in the memory 1803 to perform the following method: receiving a payment transaction request sent by a merchant terminal, wherein the payment transaction request comprises order information, a shopping site photo and a payment identifier; if the payment identifier belongs to an acquirer, obtaining a first generation payment inquiry result by local inquiry, 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 photo and the order information; sending payment request information to a mobile terminal corresponding to the mobile phone number, wherein the payment request information comprises the verification information and the payment information; if the payment-replacing confirmation information is received and the verification confirmation information included in the payment-replacing confirmation information is matched with the verification information, performing order payment processing according to the order information and the payment account number to complete payment-replacing transaction; wherein the payment confirmation information is returned by the mobile terminal. Or alternatively

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

Further, the logic instructions in the memory 1803 may be implemented in the form of software functional units and may be stored in a computer readable storage medium when sold or used as a stand alone product. Based on this understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution, in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform 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, random Access Memory), a magnetic disk, or an optical disk, or 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, are capable of performing the methods provided by the above-described method embodiments, for example comprising:

Receiving a payment transaction request sent by a merchant terminal, wherein the payment transaction request comprises order information, a shopping site photo and a payment identifier; if the payment identifier belongs to an acquirer, obtaining a first generation payment inquiry result by local inquiry, 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 photo and the order information; sending payment request information to a mobile terminal corresponding to the mobile phone number, wherein the payment request information comprises the verification information and the payment information; if the payment-replacing confirmation information is received and the verification confirmation information included in the payment-replacing confirmation information is matched with the verification information, performing order payment processing according to the order information and the payment account number to complete payment-replacing transaction; wherein the payment confirmation information is returned by the mobile terminal. Or alternatively

The present embodiment provides a computer-readable storage medium storing a computer program that causes the computer to execute the methods provided by the above-described method embodiments, for example, including:

It will be appreciated by those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 of the present specification, reference to the terms "one embodiment," "one 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, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. 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 foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.

Claims

1. A method of replacing a live shopping, comprising:

receiving a payment transaction request sent by a merchant terminal, wherein the payment transaction request comprises order information, a shopping site photo and a payment identifier; wherein, the payment identification is obtained by applying for payment in advance by a payment client;

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

if the payment identifier belongs to an acquirer, obtaining a first generation payment inquiry result by local inquiry, 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, from the payment identifier, a cell phone number and a payment account number corresponding to the payment identifier comprises:

if the payment identification does not belong to the acquirer, sending a payment substitute inquiry request to a third party server; wherein the payment inquiry request includes the payment identification;

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

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

Inquiring and obtaining the business scope of the merchant corresponding to the merchant identification according to the merchant identification included in the order information;

and if judging that the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier, terminating the payment transaction corresponding to the payment transaction request.

5. The method of claim 1, wherein the generating verification information from the shopping site 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 contents to generate a verification picture.

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

if the payment identification belongs to an acquirer, the verification picture is carried in the payment request information and is sent to the mobile terminal in a multimedia message mode, and payment interface information is pushed to the mobile terminal through a mobile phone banking channel, wherein the payment interface information comprises the shopping site photo and the order information.

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

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

8. An acquirer server, comprising:

the receiving unit is used for receiving a payment transaction request sent by the merchant terminal, wherein the payment transaction request comprises order information, a shopping site photo and a payment identifier; wherein, the payment identification is obtained by applying for payment in advance by a payment client;

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

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

a sending subunit, configured to send a payment query request to a third party server if the payment identifier does not belong to an acquirer; wherein the payment inquiry request includes the payment identification;

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 number, and an account opening row of the payment account number.

11. The acquirer server of claim 10, wherein the first generation payment query result or the second generation payment query result further comprises a payment operation range corresponding to the payment identifier; correspondingly, the acquirer server further comprises:

the inquiry unit is used for inquiring and obtaining the business scope of the merchant corresponding to the merchant identifier according to the merchant identifier included in the order information;

and the termination unit is used for terminating the payment transaction corresponding to the payment transaction request if the business scope of the merchant corresponding to the merchant identifier exceeds the payment business scope corresponding to the payment identifier.

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

the first generation subunit is used for generating a graphic verification code according to the order information and a preset password generation 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 contents.

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 pay-as-you-go system for on-site shopping comprising an acquirer server as claimed in any one of claims 8 to 14, a merchant terminal and a mobile terminal, wherein:

16. The on-site shopping payment system of claim 15, further comprising a payment client issuer server and a third party server, wherein:

the mobile terminal is in wireless communication connection with the payment-instead-of-customer account opening server, and the acquirer server, the payment-instead-of-customer account opening 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 processor implements the steps of the method of any one of claims 1 to 7 when the computer program is executed by the processor.

18. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method according to any one of claims 1 to 7.