CN113469691A - Payment and customer locking method, system, computer equipment and storage medium - Google Patents
Payment and customer locking method, system, computer equipment and storage medium Download PDFInfo
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- CN113469691A CN113469691A CN202110837543.9A CN202110837543A CN113469691A CN 113469691 A CN113469691 A CN 113469691A CN 202110837543 A CN202110837543 A CN 202110837543A CN 113469691 A CN113469691 A CN 113469691A
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- 238000012545 processing Methods 0.000 description 2
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention relates to the technical field of network transaction, in particular to a payment and customer locking method, a payment and customer locking system, computer equipment and a storage medium. The method comprises the steps of receiving a payment instruction and a merchant ID sent by a consumer; determining the payment mode of the consumer according to the payment instruction; capturing payment account identification information from the payment instruction according to the payment mode; judging whether the consumer is a member user or not according to the payment account identification information; when the consumer is judged not to be the member user, establishing a temporary member ID according to the payment account identification information; and binding the temporary member ID with the merchant ID to generate payment callback data. The invention can bind the payment account identification information of the consumer with the merchant in an imperceptible way, so that the consumer can complete transaction payment even if not registered as a member user, and the consumption experience of the consumer is improved.
Description
Technical Field
The invention relates to the technical field of network transaction, in particular to a payment and customer locking method, a payment and customer locking system, computer equipment and a storage medium.
Background
Network transactions refer to transactions occurring between businesses (Business to Business, abbreviated as B2B), between businesses and consumers (Business to Consumer, abbreviated as B2C), and between individuals (Consumer to Consumer, abbreviated as C2C) in an information network that are related by means of network communications. So-called network transaction, which is Electronic Commerce (Electronic Commerce). It uses computer technology, network technology and remote communication technology to realize electronization, charaterization and networking of whole business process. People are no longer face-to-face, looking at physical goods, dealing with paper media documents (including cash). But the transaction is carried out through the network, the information of the online goods full of the enamel, a perfect logistics distribution system and a convenient and safe fund settlement system. Electronic commerce is a buying and selling mode adopting the most advanced information technology, is a set of 'modern information technology' and 'business', and essentially forms a virtual market exchange place.
With the fact that electronic commerce continuously deepens into the market, each large e-commerce platform continuously pushes out a transaction system of the large e-commerce platform, when a consumer conducts transaction payment through the platform, the consumer usually needs to register as a member firstly and then can complete payment, the platform can bind a member account number registered by the consumer with an account number of a merchant to process consumption records and generate payment callback data, and therefore the consumption payment process of the consumer is greatly limited, and consumption experience of the consumer is affected.
Disclosure of Invention
Aiming at the defects in the prior art, the invention provides a payment and customer locking method, a system, computer equipment and a storage medium, wherein when the payment and customer locking method is applied, the payment account identification information of a consumer can be imperceptibly bound with a merchant, so that the consumer can complete transaction payment even if the consumer is not registered as a member user, and the consumption experience of the consumer is improved.
In a first aspect, the invention provides a payment customer locking method, which includes:
receiving a payment instruction and a merchant ID sent by a consumer;
determining the payment mode of the consumer according to the payment instruction;
capturing payment account identification information from the payment instruction according to the payment mode;
judging whether the consumer is a member user or not according to the payment account identification information;
when the consumer is judged not to be the member user, establishing a temporary member ID according to the payment account identification information;
and binding the temporary member ID with the merchant ID to generate payment callback data.
Based on the invention content, the payment method of the consumer is determined by directly obtaining the payment instruction sent by the consumer, and the payment account identification information is captured according to the payment method, so that when the consumer is a non-registered member user, the temporary member ID is established according to the payment account identification information, then the temporary member ID is bound with the merchant ID, the payment callback data is generated, and the merchant ID can be bound by using the payment account identification information of the consumer to complete transaction payment. By the method, the payment account identification information of the consumer can be imperceptibly bound with the merchant, so that the consumer can complete transaction payment even if not registered as a member user, and the consumption experience of the consumer is improved.
In one possible design, when it is determined that the consumer is a member user, the method further includes:
acquiring a member ID corresponding to the payment account identification information;
and judging whether the member ID and the merchant ID are bound, if so, directly generating payment callback data according to the member ID and the merchant ID, and if not, binding the member ID and the merchant ID to generate the payment callback data.
In one possible design, the payment means includes WeChat payment, Payment treasures payment, and bankcard payment.
In one possible design, when the payment mode is the WeChat payment, the captured payment account identification information is the WeChat OpenID of the consumer.
In one possible design, when the payment mode is payment, the captured payment account identification information is the payment instrument UID of the consumer.
In one possible design, when the payment mode is bank card payment, the captured payment account identification information is a bank card number of the consumer.
In one possible design, the establishing the temporary member ID according to the payment account identification information includes:
carrying out encryption coding on the payment account identification information according to a set encryption mode to generate a character string;
and extracting characters with set digits from the character string to form the temporary membership ID.
In a second aspect, the present invention provides a payment guest-locking system, comprising:
the receiving unit is used for receiving a payment instruction and a merchant ID sent by a consumer;
the determining unit is used for determining the payment mode of the consumer according to the payment instruction;
the capturing unit is used for capturing payment account identification information from the payment instruction according to the payment mode;
the judging unit is used for judging whether the consumer is a member user or not according to the payment account identification information;
the system comprises a construction unit, a payment account identification unit and a payment account identification unit, wherein the construction unit is used for establishing a temporary member ID according to the payment account identification information when judging that a consumer is not a member user;
and the binding unit is used for binding the temporary member ID and the merchant ID to generate payment callback data.
In a third aspect, the present invention provides a computer apparatus comprising:
a memory to store instructions;
a processor configured to read the instructions stored in the memory and execute the method of any of the first aspects according to the instructions.
In a fourth aspect, the present invention provides a computer-readable storage medium having stored thereon instructions which, when run on a computer, cause the computer to perform the method of any of the first aspects described above.
In a fifth aspect, the present invention provides a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method of any of the first aspects above.
The invention has the beneficial effects that:
according to the invention, the payment mode of the consumer is determined by directly obtaining the payment instruction sent by the consumer, and the payment account identification information is captured according to the payment mode, so that when the consumer is a non-registered member user, the temporary member ID is established according to the payment account identification information, and then the temporary member ID is bound with the merchant ID to generate the payment callback data, so that the merchant ID can be bound by using the payment account identification information of the consumer to complete transaction payment. By the method, the payment account identification information of the consumer can be imperceptibly bound with the merchant, so that the consumer can complete transaction payment even if not registered as a member user, and the consumption experience of the consumer is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic diagram of the process steps of the present invention;
FIG. 2 is a schematic diagram of the system of the present invention;
FIG. 3 is a schematic diagram of a computer device according to the present invention.
Detailed Description
The invention is further described with reference to the following figures and specific embodiments. It should be noted that the description of the embodiments is provided to help understanding of the present invention, but the present invention is not limited thereto. Specific structural and functional details disclosed herein are merely illustrative of example embodiments of the invention. This invention may, however, be embodied in many alternate forms and should not be construed as limited to the embodiments set forth herein.
It should be understood that the terms first, second, etc. are used merely for distinguishing between descriptions and are not intended to indicate or imply relative importance. Although the terms first, second, etc. may be used herein to describe various elements, these elements should not be limited by these terms. These terms are only used to distinguish one element from another. For example, a first element could be termed a second element, and, similarly, a second element could be termed a first element, without departing from the scope of example embodiments of the present invention.
In the following description, specific details are provided to facilitate a thorough understanding of example embodiments. However, it will be understood by those of ordinary skill in the art that the example embodiments may be practiced without these specific details. For example, systems may be shown in block diagrams in order not to obscure the examples in unnecessary detail. In other instances, well-known processes, structures and techniques may be shown without unnecessary detail in order to avoid obscuring example embodiments.
Example 1:
the embodiment provides a method for paying for locking a visitor, which can be applied to an e-commerce platform, and as shown in fig. 1, the method includes the following steps:
s101, receiving a payment instruction and a merchant ID sent by a consumer.
In specific implementation, a consumer can directly perform consumption payment on the platform, a payment instruction and a merchant ID are sent to the platform, the payment instruction and the merchant ID are automatically generated when the consumer submits an order, the platform receives the payment instruction and the merchant ID sent by the consumer and then performs subsequent processing, the payment instruction comprises payment mode information and payment account identification information, and the merchant ID is account information of the merchant on the platform.
And S102, determining the payment mode of the consumer according to the payment instruction.
In specific implementation, the payment instruction contains corresponding payment mode information, and the payment mode can include third party payment platform payment, such as WeChat payment and Payment, and also includes bank card payment. The platform receives the payment instruction and can directly extract the payment mode information from the payment instruction to determine the payment mode of the consumer.
S103, capturing payment account identification information from the payment instruction according to the payment mode.
In specific implementation, after the payment mode of the consumer is determined, the platform can capture the payment account identification information from the payment instruction according to the payment mode: when the payment mode is WeChat payment, the captured payment account identification information is the WeChat OpenID of the consumer; when the payment mode is payment treasure payment, the captured payment account identification information is a payment treasure UID of the consumer; and when the payment mode is bank card payment, the captured payment account identification information is the bank card number of the consumer. OpenID is a decentralized identity authentication system, and for OpenID-supported platforms, users do not need to remember traditional authentication tags such as user names and passwords, but instead, they only need to register on a platform as an OpenID identity provider (IdP) in advance. OpenID is decentralized, and any platform can use OpenID as a way of user authentication, and any platform can also serve as an OpenID identity provider. OpenID solves both the problem and does not need to rely on a centralized platform to validate digital identities. The UID can also be used as a unique payment account identification code of a corresponding payment platform, has uniqueness as OpenID, and can be used for authorizing some third-party platforms to identify the user identity.
And S104, judging whether the consumer is a member user or not according to the payment account identification information.
In specific implementation, when the platform extracts the payment account identification information, the corresponding payment account identification information database can be retrieved according to the payment account identification information so as to judge whether the corresponding consumer is a member user.
And S105, when the consumer is judged not to be the member user, establishing a temporary member ID according to the payment account identification information.
In specific implementation, when the platform determines that the consumer is not a member user, a temporary member ID (i.e. a temporary member account) is established according to the payment account identification information, and the process includes: and carrying out encryption coding on the payment account identification information according to a set encryption mode to generate a character string, and then extracting characters with set digits from the character string to form the temporary member ID. For example, if the payment account identification information is 123456789, the encryption is performed according to a set encryption method, the generated character string is A1B2C3D4, and the temporary member ID composed of extracted characters according to a set singular number is ABCD. The temporary member ID is generated by encrypting codes, so that the payment account identification information of the consumer can be effectively protected.
And S106, binding the temporary member ID with the merchant ID to generate payment callback data.
In specific implementation, after the platform establishes the temporary member ID for the consumer, the temporary member ID is bound with the merchant ID to generate payment callback data. When the platform judges that the consumer is a member user, the platform directly searches and acquires a member ID corresponding to the payment account identification information, then judges whether the member ID is bound with a merchant ID, if so, directly generates payment callback data according to the member ID and the merchant ID, and if not, binds the member ID with the merchant ID to generate the payment callback data.
Consumers who do not register with the platform can use digital payment such as WeChat/Paibao as usual, the platform will establish a temporary member ID for each unregistered consumer to bind with the merchant, in other words, as long as a new consumer finishes the transaction through digital payment for the first time at a certain platform merchant, the consumer will be bound with the merchant permanently, the consumers are all senseless in the binding process, and the experience is the same as the normal code scanning consumption under the line. Different from the traditional payment callback data, when the consumer pays, the platform can directly capture the payment account identification information of the consumer to bind with the merchant instead of the user ID of the common platform, so that the consumer can complete transaction payment even if not registered as a member user, and the consumption experience of the consumer is improved.
Example 2:
the present embodiment provides a payment guest-locking system, as shown in fig. 2, the system includes:
the receiving unit is used for receiving a payment instruction and a merchant ID sent by a consumer;
the determining unit is used for determining the payment mode of the consumer according to the payment instruction;
the capturing unit is used for capturing payment account identification information from the payment instruction according to the payment mode;
the judging unit is used for judging whether the consumer is a member user or not according to the payment account identification information;
the system comprises a construction unit, a payment account identification unit and a payment account identification unit, wherein the construction unit is used for establishing a temporary member ID according to the payment account identification information when judging that a consumer is not a member user;
and the binding unit is used for binding the temporary member ID and the merchant ID to generate payment callback data.
Example 3:
the embodiment provides a computer device, as shown in fig. 3, which includes, at a hardware level:
a memory to store instructions;
and the processor is used for reading the instruction stored in the memory and executing the payment guest locking method in the embodiment 1 according to the instruction.
Optionally, the computer device further comprises an internal bus and a communication interface. The processor, the memory, and the communication interface may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc.
The Memory may include, but is not limited to, a Random Access Memory (RAM), a Read Only Memory (ROM), a Flash Memory (Flash Memory), a First In First Out (FIFO), a First In Last Out (FILO), and/or the like. The Processor may be a general-purpose Processor including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components.
Example 4:
the present embodiment provides a computer-readable storage medium having stored thereon instructions that, when executed on a computer, cause the computer to perform the payment guest-locking method described in embodiment 1. The computer-readable storage medium refers to a carrier for storing data, and may include, but is not limited to, floppy disks, optical disks, hard disks, flash memories, flash disks and/or Memory sticks (Memory sticks), etc., and the computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices.
Example 5:
the present embodiment provides a computer program product containing instructions, which when run on a computer, cause the computer to execute the payment guest-locking method described in embodiment 1. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable devices.
Finally, it should be noted that: the above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A payment customer locking method is characterized by comprising the following steps:
receiving a payment instruction and a merchant ID sent by a consumer;
determining the payment mode of the consumer according to the payment instruction;
capturing payment account identification information from the payment instruction according to the payment mode;
judging whether the consumer is a member user or not according to the payment account identification information;
when the consumer is judged not to be the member user, establishing a temporary member ID according to the payment account identification information;
and binding the temporary member ID with the merchant ID to generate payment callback data.
2. The payment guest-locking method according to claim 1, wherein when the consumer is determined to be a member user, the method further comprises:
acquiring a member ID corresponding to the payment account identification information;
and judging whether the member ID and the merchant ID are bound, if so, directly generating payment callback data according to the member ID and the merchant ID, and if not, binding the member ID and the merchant ID to generate the payment callback data.
3. The payment customer locking method as claimed in claim 1, wherein the payment means includes WeChat payment, Payment and Bank card payment.
4. The payment guest locking method according to claim 3, wherein when the payment mode is WeChat payment, the captured payment account identification information is a WeChat OpenID of the consumer.
5. The payment customer locking method according to claim 3, wherein when the payment mode is payment of a payment treasure, the captured payment account identification information is a payment treasure UID of the consumer.
6. The payment customer locking method according to claim 3, wherein when the payment mode is bank card payment, the captured payment account identification information is a bank card number of the customer.
7. The payment customer locking method as claimed in claim 1, wherein the establishing of the temporary member ID according to the payment account identification information comprises:
carrying out encryption coding on the payment account identification information according to a set encryption mode to generate a character string;
and extracting characters with set digits from the character string to form the temporary membership ID.
8. A payment lock system, comprising:
the receiving unit is used for receiving a payment instruction and a merchant ID sent by a consumer;
the determining unit is used for determining the payment mode of the consumer according to the payment instruction;
the capturing unit is used for capturing payment account identification information from the payment instruction according to the payment mode;
the judging unit is used for judging whether the consumer is a member user or not according to the payment account identification information;
the system comprises a construction unit, a payment account identification unit and a payment account identification unit, wherein the construction unit is used for establishing a temporary member ID according to the payment account identification information when judging that a consumer is not a member user;
and the binding unit is used for binding the temporary member ID and the merchant ID to generate payment callback data.
9. A computer device, comprising:
a memory to store instructions;
a processor for reading the instructions stored in the memory and executing the method of any one of claims 1-7 in accordance with the instructions.
10. A computer-readable storage medium having stored thereon instructions which, when executed on a computer, cause the computer to perform the method of any one of claims 1-7.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110837543.9A CN113469691A (en) | 2021-07-23 | 2021-07-23 | Payment and customer locking method, system, computer equipment and storage medium |
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| CN202110837543.9A CN113469691A (en) | 2021-07-23 | 2021-07-23 | Payment and customer locking method, system, computer equipment and storage medium |
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| TW201101218A (en) * | 2009-06-30 | 2011-01-01 | Alibaba Group Holding Ltd | Network transaction system and method using intermediate platform |
| CN101969640A (en) * | 2010-11-15 | 2011-02-09 | 成都信息工程学院 | Computing key generating method for mobile terminal equipment |
| CN109978557A (en) * | 2017-12-27 | 2019-07-05 | 金联汇通信息技术有限公司 | Method, system and the method for membership's verifying of member registration |
-
2021
- 2021-07-23 CN CN202110837543.9A patent/CN113469691A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101414375A (en) * | 2008-12-15 | 2009-04-22 | 阿里巴巴集团控股有限公司 | System and method for networking trading using intermediate platform |
| TW201101218A (en) * | 2009-06-30 | 2011-01-01 | Alibaba Group Holding Ltd | Network transaction system and method using intermediate platform |
| CN101969640A (en) * | 2010-11-15 | 2011-02-09 | 成都信息工程学院 | Computing key generating method for mobile terminal equipment |
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Application publication date: 20211001 |