CN117094711A

CN117094711A - Electronic certificate-based payment processing method and device

Info

Publication number: CN117094711A
Application number: CN202311007211.3A
Authority: CN
Inventors: 宦鹏飞; 叶书元; 陈远祥; 徐越; 郑文蔚; 宋磊; 赵建建
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2023-08-10
Filing date: 2023-08-10
Publication date: 2023-11-21

Abstract

The embodiment of the specification provides a payment processing method and device based on an electronic certificate, wherein the payment processing method based on the electronic certificate comprises the following steps: responding to an access request of a subprogram submitted by a user terminal, verifying an electronic certificate corresponding to the access request, generating a payment identifier of the electronic certificate in the subprogram after the verification is passed, issuing the payment identifier to the user terminal, determining a resource account associated with the electronic certificate in a payment configuration of the subprogram according to a payment request submitted by a payment device through scanning the payment identifier, and carrying out payment processing of the payment request based on the resource account.

Description

Electronic certificate-based payment processing method and device

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a payment processing method and device based on electronic certificates.

Background

With the popularization of social security and the enhancement of social security use awareness of participants, the scene of using social security in real life is more and more, an electronic social security card is used as an effective electronic certificate applied on the line of an entity social security card, has a unique mapping relation with the entity social security card, has the functions of identity certificate, settlement payment, treatment acquisition and the like the entity social security card, is based on a series of functions of the electronic social security card, a user can realize convenient and quick on-line transaction through a mobile terminal such as a mobile phone, and the application coverage of the electronic social security card is more and more extensive, so that the electronic social security card is more and more convenient and efficient to provide services for the user using the electronic social security card, and becomes the key of increasing attention of providers of social security services.

Disclosure of Invention

One or more embodiments of the present specification provide a first electronic credential-based payment processing method, applied to a server, the method including: and responding to an access request of a subprogram submitted by the user terminal, and checking an electronic certificate corresponding to the access request. And after the verification is passed, generating a payment identifier of the electronic certificate in the subprogram and issuing the payment identifier to the user terminal so as to display the payment identifier through the subprogram. And determining the resource account associated with the electronic certificate in the payment configuration of the subprogram according to the payment request submitted by the payment equipment through scanning the payment identification. And carrying out payment processing of the payment request based on the resource account.

One or more embodiments of the present disclosure provide a second electronic credential-based payment processing method, applied to a user terminal, the method including: based on the user access instruction detected by the subprogram, an access request is generated and submitted to the server. And receiving a payment identifier of the electronic certificate of the user in the subprogram, which is issued by the server. Displaying the payment identifier in the subprogram so that payment equipment submits a payment request by scanning the payment identifier and the server performs payment processing of the payment request based on a resource account associated with the electronic certificate; the resource account is determined in a payment configuration of the subroutine.

One or more embodiments of the present specification provide a third electronic credential-based payment processing method, applied to a server, the method including: receiving a payment request submitted after the payment equipment scans the certificate identification of the electronic certificate; the credential identifies a credential access page of a subroutine presented at the user terminal. And acquiring user payment information corresponding to the electronic certificate based on the payment request, and performing coding processing to acquire a payment identifier. And returning the payment identifier to the payment equipment so that the payment equipment initiates a payment call after decoding the payment identifier. And responding to the payment call, determining a resource account associated with the electronic certificate in the payment configuration of a subprogram, and carrying out payment processing based on the resource account.

One or more embodiments of the present specification provide a fourth electronic credential-based payment processing method applied to a payment device, the method including: scanning the credential identification of the electronic credential presented by the credential access page of the subroutine of the user terminal. And decoding the certificate identifier, generating a payment request according to a decoding result, and submitting the payment request to a server. And receiving a payment identifier which is returned by the server and obtained by encoding the user payment information corresponding to the electronic certificate. And decoding the payment identifier, and initiating a payment call based on a decoding result to determine a resource account associated with the electronic certificate in the payment configuration of the subprogram and carry out payment processing.

One or more embodiments of the present specification provide a first electronic credential-based payment processing apparatus, operating on a server, the apparatus comprising: and the certificate verification module is configured to respond to an access request of a subprogram submitted by the user terminal and verify the electronic certificate corresponding to the access request. And after the verification is passed, a payment identifier issuing module is operated, and the payment identifier issuing module is configured to generate a payment identifier of the electronic certificate in the subprogram and issue the electronic certificate to the user terminal so as to display the payment identifier through the subprogram. And the resource account determining module is configured to determine the resource account associated with the electronic certificate in the payment configuration of the subprogram according to a payment request submitted by the payment device by scanning the payment identification. And the payment processing module is configured to perform payment processing of the payment request based on the resource account.

One or more embodiments of the present disclosure provide a second electronic credential-based payment processing apparatus, operating on a user terminal, the apparatus including: and the access request submitting module is configured to generate an access request and submit the access request to the server based on the user access instruction detected by the subprogram. And the payment identification receiving module is configured to receive the payment identification of the electronic certificate of the user in the subprogram, which is issued by the server. A payment identifier display module configured to display the payment identifier at the subroutine, so that a payment device submits a payment request by scanning the payment identifier, and the server performs payment processing of the payment request based on a resource account associated with the electronic certificate; the resource account is determined in a payment configuration of the subroutine.

One or more embodiments of the present specification provide a third electronic credential-based payment processing apparatus, operating on a server, the apparatus comprising: the payment request receiving module is configured to receive a payment request submitted after the payment equipment scans the certificate identification of the electronic certificate; the credential identifies a credential access page of a subroutine presented at the user terminal. And the encoding processing module is configured to acquire the user payment information corresponding to the electronic certificate based on the payment request and perform encoding processing to acquire a payment identifier. And the payment identifier returning module is configured to return the payment identifier to the payment device so that the payment device initiates a payment call after decoding the payment identifier. And the payment processing module is configured to respond to the payment call, determine a resource account associated with the electronic certificate in the payment configuration of a subprogram and perform payment processing based on the resource account.

One or more embodiments of the present specification provide a fourth electronic credential-based payment processing apparatus, operable in a payment device, the apparatus comprising: and the credential identification scanning module is configured to scan the credential identification of the electronic credential displayed by the credential access page of the subroutine of the user terminal. And the payment request submitting module is configured to decode the certificate identification, generate a payment request according to the decoding result and submit the payment request to the server. And the payment identifier receiving module is configured to receive a payment identifier which is returned by the server and obtained by encoding the user payment information corresponding to the electronic certificate. And the payment calling module is configured to decode the payment identification, initiate payment calling based on the decoding result, determine the resource account associated with the electronic certificate in the payment configuration of the subprogram and carry out payment processing.

One or more embodiments of the present specification provide a first electronic credential-based payment processing apparatus, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and responding to an access request of a subprogram submitted by the user terminal, and checking an electronic certificate corresponding to the access request. And after the verification is passed, generating a payment identifier of the electronic certificate in the subprogram and issuing the payment identifier to the user terminal so as to display the payment identifier through the subprogram. And determining the resource account associated with the electronic certificate in the payment configuration of the subprogram according to the payment request submitted by the payment equipment through scanning the payment identification. And carrying out payment processing of the payment request based on the resource account.

One or more embodiments of the present specification provide a second electronic credential-based payment processing apparatus, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: based on the user access instruction detected by the subprogram, an access request is generated and submitted to the server. And receiving a payment identifier of the electronic certificate of the user in the subprogram, which is issued by the server. Displaying the payment identifier in the subprogram so that payment equipment submits a payment request by scanning the payment identifier and the server performs payment processing of the payment request based on a resource account associated with the electronic certificate; the resource account is determined in a payment configuration of the subroutine.

One or more embodiments of the present specification provide a third electronic credential-based payment processing apparatus, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: receiving a payment request submitted after the payment equipment scans the certificate identification of the electronic certificate; the credential identifies a credential access page of a subroutine presented at the user terminal. And acquiring user payment information corresponding to the electronic certificate based on the payment request, and performing coding processing to acquire a payment identifier. And returning the payment identifier to the payment equipment so that the payment equipment initiates a payment call after decoding the payment identifier. And responding to the payment call, determining a resource account associated with the electronic certificate in the payment configuration of a subprogram, and carrying out payment processing based on the resource account.

One or more embodiments of the present specification provide a fourth electronic credential-based payment processing apparatus, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: scanning the credential identification of the electronic credential presented by the credential access page of the subroutine of the user terminal. And decoding the certificate identifier, generating a payment request according to a decoding result, and submitting the payment request to a server. And receiving a payment identifier which is returned by the server and obtained by encoding the user payment information corresponding to the electronic certificate. And decoding the payment identifier, and initiating a payment call based on a decoding result to determine a resource account associated with the electronic certificate in the payment configuration of the subprogram and carry out payment processing.

One or more embodiments of the present specification provide a first storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and responding to an access request of a subprogram submitted by the user terminal, and checking an electronic certificate corresponding to the access request. And after the verification is passed, generating a payment identifier of the electronic certificate in the subprogram and issuing the payment identifier to the user terminal so as to display the payment identifier through the subprogram. And determining the resource account associated with the electronic certificate in the payment configuration of the subprogram according to the payment request submitted by the payment equipment through scanning the payment identification. And carrying out payment processing of the payment request based on the resource account.

One or more embodiments of the present specification provide a second storage medium storing computer-executable instructions that, when executed by a processor, implement the following: based on the user access instruction detected by the subprogram, an access request is generated and submitted to the server. And receiving a payment identifier of the electronic certificate of the user in the subprogram, which is issued by the server. Displaying the payment identifier in the subprogram so that payment equipment submits a payment request by scanning the payment identifier and the server performs payment processing of the payment request based on a resource account associated with the electronic certificate; the resource account is determined in a payment configuration of the subroutine.

One or more embodiments of the present specification provide a third storage medium storing computer-executable instructions that, when executed by a processor, implement the following: receiving a payment request submitted after the payment equipment scans the certificate identification of the electronic certificate; the credential identifies a credential access page of a subroutine presented at the user terminal. And acquiring user payment information corresponding to the electronic certificate based on the payment request, and performing coding processing to acquire a payment identifier. And returning the payment identifier to the payment equipment so that the payment equipment initiates a payment call after decoding the payment identifier. And responding to the payment call, determining a resource account associated with the electronic certificate in the payment configuration of a subprogram, and carrying out payment processing based on the resource account.

One or more embodiments of the present specification provide a fourth storage medium storing computer-executable instructions that, when executed by a processor, implement the following: scanning the credential identification of the electronic credential presented by the credential access page of the subroutine of the user terminal. And decoding the certificate identifier, generating a payment request according to a decoding result, and submitting the payment request to a server. And receiving a payment identifier which is returned by the server and obtained by encoding the user payment information corresponding to the electronic certificate. And decoding the payment identifier, and initiating a payment call based on a decoding result to determine a resource account associated with the electronic certificate in the payment configuration of the subprogram and carry out payment processing.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are needed in the description of the embodiments or of the prior art will be briefly described below, it being obvious that the drawings in the description that follow are only some of the embodiments described in the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art;

FIG. 1 is a schematic diagram of an implementation environment of a payment processing method based on electronic credentials according to one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a first electronic credential based payment processing method provided in one or more embodiments of the present disclosure;

FIG. 3 is a schematic illustration of a presentation page of a payment identification provided in one or more embodiments of the present disclosure;

FIG. 4 is a schematic illustration of a presentation page of a credential identifier provided in one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of a payment agreement signing page provided by one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of a resource account deduction order setting page provided by one or more embodiments of the present disclosure;

FIG. 7 is a schematic diagram of an identity switching page provided in one or more embodiments of the present disclosure;

FIG. 8 is a diagram of a paymate code provided in accordance with one or more embodiments of the present disclosure;

FIG. 9 is a timing diagram of an electronic credential based payment processing method applied to a payment identification payment scenario provided by one or more embodiments of the present disclosure;

FIG. 10 is a timing diagram of an electronic credential based payment processing method applied to a credential identification payment scenario provided by one or more embodiments of the present disclosure;

FIG. 11 is a timing diagram of an electronic credential based payment processing method for scanning a payment material code payment scenario in accordance with one or more embodiments of the present disclosure;

FIG. 12 is a process flow diagram of a second electronic credential based payment processing method provided in one or more embodiments of the present disclosure;

FIG. 13 is a process flow diagram of a third electronic credential based payment processing method provided by one or more embodiments of the present disclosure;

FIG. 14 is a timing diagram of an electronic credential based payment processing method applied to a credential identification payment scenario provided by one or more embodiments of the present disclosure;

FIG. 15 is a process flow diagram of a fourth electronic credential based payment processing method provided by one or more embodiments of the present disclosure;

FIG. 16 is a schematic diagram of a first electronic credential based payment processing apparatus embodiment provided in one or more embodiments of the present disclosure;

FIG. 17 is a schematic diagram of an embodiment of a second electronic credential based payment processing apparatus provided in one or more embodiments of the present disclosure;

FIG. 18 is a schematic diagram of an embodiment of a third electronic credential based payment processing apparatus provided in one or more embodiments of the present disclosure;

FIG. 19 is a schematic diagram of an embodiment of a fourth electronic credential based payment processing apparatus provided in one or more embodiments of the present disclosure;

FIG. 20 is a schematic diagram of a first electronic credential based payment processing apparatus provided in one or more embodiments of the present disclosure;

fig. 21 is a schematic structural diagram of a second electronic credential based payment processing apparatus provided in one or more embodiments of the present disclosure.

Fig. 22 is a schematic structural diagram of a third electronic credential based payment processing apparatus provided in one or more embodiments of the present disclosure.

Fig. 23 is a schematic structural diagram of a fourth electronic credential-based payment processing apparatus provided in one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

The electronic credential-based payment processing method provided in one or more embodiments of the present disclosure may be applied to an implementation environment of electronic credential-based payment processing, where the implementation environment includes at least: a user terminal 101, a server 102, a payment device 103, and a service device 104;

the user terminal 101 may configure a client of an application program, where a specific form of the client may be an application program, a sub-program in the application program, a service module in the application program, or a web page program; and submitting the operation event through the client by the user terminal. The user terminal 101 may be a cell phone, a personal computer, a tablet computer, an e-book reader, a VR (Virtual Reality technology) -based device for information interaction, an in-vehicle terminal, an IoT device, a wearable smart device, a laptop and desktop computer, etc.

The server 102 may be a server, or a server cluster formed by a plurality of servers, or one or more cloud servers in a cloud computing platform, and is configured to generate a payment identifier of an electronic credential, issue the payment identifier to the user terminal 101, and perform payment processing on a payment request submitted by a payment device.

The payment device 103 refers to a terminal device for performing order processing by a merchant or an organization or a system terminal of an order processing system, wherein the terminal device and the system terminal are configured with a code scanning component, and specifically perform order settlement processing by scanning a payment identifier of an electronic certificate of a user in the order settlement process.

The service device 104 refers to a terminal device for performing order processing by a merchant or an organization or a system terminal of an order processing system, where the terminal device and the system terminal are configured with a code scanning component, and specifically perform order settlement processing by scanning a voucher identifier of an electronic voucher of a user in an order settlement process.

In the implementation environment, a server 102 responds to an access request of a subprogram submitted by a user terminal 101, verifies an electronic certificate, generates a payment identifier of the electronic certificate in the subprogram and issues the electronic certificate to the user terminal 101 after verification is passed, and after the user terminal 101 displays the payment identifier through the subprogram, if a payment device 103 submits the payment request through scanning the payment identifier, the server 102 determines a resource account associated with the electronic certificate in a payment configuration of the subprogram according to the payment request and performs payment processing of the payment request based on the resource account; in addition, when the user terminal 101 detects the identifier switching instruction, the displayed payment identifier is updated to the credential identifier, so as to obtain decoding information after the service device 104 decodes the credential identifier, and obtain user identity information according to the decoding information, and starting from two services, namely a payment service and a user information query service, which can be provided by the electronic credential, the application scenario of the electronic credential is distinguished by the payment identifier and the credential identifier, thereby improving the electronic credential use experience of the user and improving the service efficiency.

One or more embodiments of a payment processing method based on electronic certificates provided in the present specification are as follows:

referring to fig. 2, the payment processing method based on electronic certificates provided in the present embodiment is applied to a server, and specifically includes steps S202 to S208.

Step S202, responding to an access request of a subprogram submitted by a user terminal, and verifying an electronic certificate corresponding to the access request.

In this embodiment, the subroutine includes a program function module or an application component that is installed in a host application (application program), or a program function module or an application component that is installed by the host application, such as an applet in the application program. From a service perspective, the subroutine has the ability to independently provide self-closing services, such as an applet running within an application that exposes electronic credentials through a credential access page.

The electronic certificates comprise social security electronic certificates generated according to social security information and identity information of the participant, and when the participant participates in social security service, the participant can check the social security electronic certificates to the merchant or the institution to acquire the identity information of the participant, for example, the participant inquires the self-care information by displaying the social security electronic certificates to the social security institution; in addition, the participant can pay for the order to be paid by presenting the electronic voucher, for example, the participant pays the pension insurance fee by presenting the social security electronic voucher to the medical facility.

In practical applications, some scenarios need to pay through electronic certificates, such as paying an order to be paid by using a payment identifier, and some scenarios may need to service through electronic certificates, such as checking a certificate identifier.

In the process of accessing the electronic certificate through the subprogram, corresponding identifiers can be respectively set for a payment scene and a service scene for display, namely, the payment identifier is set for the payment scene, and the certificate identifier is set for the service scene; namely, the method comprises the following steps: the first identification of the electronic voucher for service processing at the subroutine and the second identification of the electronic voucher for payment processing may be different identifications. Accordingly, in the process of accessing the electronic certificate, payment or service processing can be performed by accessing the corresponding identifier respectively;

in addition, the same identifier can be set for the payment scene and the service scene to display, and payment or service processing is performed through one identifier, namely: the first identifier of the electronic certificate for service processing and the second identifier for payment processing in the subprogram can be the same identifier. For example, the user may query the social security payment record and pay the medical fee based on the payment identification of the electronic voucher, as shown in the presentation page of the payment identification of fig. 3, or the user may query the social security payment record and pay the medical fee based on the voucher identification of the electronic voucher, as shown in the presentation page of the voucher identification of fig. 4.

In the specific execution process, after the user terminal generates an access request based on a user access instruction detected by the subprogram and submits the access request to the server, the server responds to the access request of the subprogram submitted by the user terminal and verifies an electronic certificate corresponding to the access request; if the user terminal detects the access instruction of the certificate identifier based on the subprogram, the user terminal generates a payment identifier access request and submits the payment identifier access request to the server, the server responds to the payment identifier access request to verify the electronic certificate, and if the user terminal detects the access instruction of the certificate identifier based on the subprogram, the user terminal generates a certificate identifier access request and submits the certificate identifier access request to the server, and the server responds to the certificate identifier access request to verify the electronic certificate.

Specifically, in the process of verifying the electronic certificate, by verifying the validity of the electronic certificate, the influence on the subsequent operation caused by the invalidation of the electronic certificate is avoided, and in an optional implementation manner provided in this embodiment, the verification is performed on the electronic certificate corresponding to the access request in the following manner:

verifying whether the electronic certificate information under the subprogram is valid;

if yes, determining that the verification passes, executing the following step S204, generating a payment identifier of the electronic certificate in the subprogram and issuing the payment identifier to the user terminal so as to display the payment identifier through the subprogram;

If not, determining that the verification fails, sending an access application of the electronic certificate to a certificate platform, generating the payment identification according to an access confirmation instruction returned by the certificate platform, and issuing the payment identification to the user terminal.

Under the condition that the credential information of the electronic credential is valid, the electronic credential is indicated to be in a valid period, a payment identifier of the electronic credential can be generated for display, if the credential information of the electronic credential is invalid, an activation request can be sent to the credential platform, and after the credential platform confirms activation, the payment identifier is generated for issuing to the user terminal.

In practical application, in order to promote the effectiveness of payment processing based on the electronic certificate, the payment configuration may be configured and updated in advance based on the resource account associated with the electronic certificate, and in an optional implementation manner provided in this embodiment, before an access request of a subroutine submitted by a user terminal is responded, a verification step is performed on the electronic certificate corresponding to the access request, the following operations are performed:

after signing an electronic certificate payment protocol, sending a query request carrying user identity information to a certificate platform, and acquiring a query result returned by the certificate platform;

And based on account information of the resource account associated with the electronic certificate carried by the query result, carrying out configuration updating on the payment configuration of the subprogram.

Specifically, because the electronic certificate is recorded with account information of the resource account associated with the electronic certificate, after signing the electronic certificate payment protocol, a query request carrying user identity information can be sent to the certificate platform, a query result returned by the certificate platform is obtained, and the payment configuration of the subroutine is configured and updated based on the account information of the resource account associated with the electronic certificate carried by the query result, so that when the payment is carried out based on the electronic certificate, the resource account associated with the electronic certificate is used for carrying out the payment.

For example, referring to the schematic drawing of the payment protocol signing page shown in fig. 5, after the user signs the payment protocol of the third generation social security card by clicking the "open one code multiple use" in the credential access page, the user's resource account is associated with the electronic credential of the third generation social security card in the resource account association page, in the process of association, the page is set by setting the deduction sequence of the resource account as shown in fig. 6, the deduction sequence of each resource account is set, the first resource account is associated with the electronic credential of the third generation social security card, the first resource account is recorded in the credential platform, and before the user accesses the electronic credential to make an order payment through the applet, the payment configuration of the applet is updated by querying the credential platform for the account information of the resource account associated with the electronic credential of the user.

Further, in order to make the process of payment processing based on the electronic certificate more convenient and effective, in an alternative implementation manner provided in this embodiment, the following manner is adopted to update the configuration of the payment configuration of the sub-program based on the account information of the resource account associated with the electronic certificate carried by the query result:

determining a payment channel corresponding to the account information, and adding the payment channel into a payment channel list contained in the payment configuration of the subprogram; optionally, the payment priority of the payment channel is at the first in the payment channel set of the payment channel list.

Along the above example, after inquiring account information of a resource account associated with an electronic certificate of a user from the certificate platform, determining that a payment channel corresponding to the account information is a bank card payment, and adding the a bank card to the first position of a payment channel list for configuration.

Step S204, generating a payment identifier of the electronic certificate in the subprogram and issuing the payment identifier to the user terminal so as to display the payment identifier through the subprogram.

After verifying the validity of the electronic certificate corresponding to the access request in response to the access request of the subprogram submitted by the user terminal, in the step, after the verification is passed, generating a payment identifier of the electronic certificate in the subprogram and issuing the payment identifier to the user terminal so as to display the payment identifier through the subprogram; and after verification failure, returning a verification failure prompt to the user terminal. Optionally, the payment identifier is presented on a credential access page of the subroutine.

Along the above example, in particular, in the process of accessing the electronic certificate through the subroutine, respective corresponding identifiers may be set for the payment scene and the service scene, that is: the payment scenario corresponds to the payment identity, and the service scenario corresponds to the credential identity; correspondingly, in the access process, the corresponding identifiers are accessed respectively to carry out payment or service processing. That is, the first identification of the electronic voucher for service processing at the subroutine and the second identification of payment processing may be different identifications.

In addition, the same identifier may be set for the payment scene and the service scene, and the payment and the service processing may be performed by the same identifier, that is, the first identifier of the electronic credential for performing the service processing in the subroutine and the second identifier for performing the payment processing may be the same identifier.

The following specific description is given to the display process respectively for the case of setting different identifiers for the payment scene and the service scene and the case of setting the same identifier.

(1) The first mark and the second mark are different marks

In order to distinguish two application scenes of the electronic certificate under the condition that a first identifier and a second identifier of the electronic certificate in the subprogram are different, the displayed first identifier can be switched to the second identifier by configuring an access control or an identifier switching control of the certificate identifier on a certificate display page.

After the user terminal generates an access request based on a user access instruction detected by the subprogram and submits the access request to the server, the server responds to the access request of the subprogram submitted by the user terminal, verifies an electronic certificate corresponding to the access request, generates a payment identifier after the verification is passed, and issues the payment identifier to the user terminal for display, wherein in the process of displaying the payment identifier, the displayed payment identifier can be switched into the credential identifier through an access control or an identifier switching control of the credential identifier configured by a credential display page of the subprogram.

Optionally, after detecting an identifier switching instruction submitted through the credential access page, the user terminal obtains a credential identifier of the electronic credential from a credential platform, and updates the payment identifier displayed by the credential access page to the credential identifier; and the identification switching instruction is submitted by triggering an access control corresponding to the identification of the certificate configured by the certificate access page, or is submitted by triggering an identification switching control configured by the certificate access page.

For example, after the server responds to the payment credential access request submitted by the user terminal, verifying the electronic credential corresponding to the access request, after verification, generating the electronic credential, issuing the payment identification of the sub-program to the user terminal, displaying the payment identification by the user terminal through the identification switching page shown in fig. 7, and after that, switching the displayed payment identification to the credential identification by the user through the access control of the credential identification configured by the credential display page of the sub-program; or after the payment identifier is displayed by default, the displayed payment identifier is switched to the credential identifier through the identifier switching control configured by the credential display page of the subroutine.

It should be noted that, under the condition of displaying the credential identifier by default, the credential identifier may be further switched to the payment identifier by an access control configured by the credential access page and corresponding to the payment identifier, or the credential identifier may be switched to the payment identifier by an identifier switching control configured by the credential access page.

Specifically, after the user terminal detects the credential identification access instruction based on the subprogram, an access request is generated and submitted to the server, and the server responds to the credential identification access request submitted by the user terminal to verify the electronic credential corresponding to the access request; after the verification is passed, if the identification switching instruction is detected, updating the certificate identification into a payment identification, namely: and generating a payment identifier of the electronic certificate in the subprogram and issuing the payment identifier to the user terminal.

In the specific execution process, under the condition that the first identifier and the second identifier are different identifiers, after the user terminal displays the payment identifier, the payment device can scan the payment identifier displayed by the user terminal to carry out payment processing; or after the user displays the credential identification, the service terminal can scan the credential identification for service processing.

In the case that the payment identifier is scanned by the payment device, the payment device submits a payment request by scanning the payment identifier, that is, step S206 is described below, where the resource account associated with the electronic certificate is determined in the payment configuration of the subroutine according to the payment request submitted by the payment device by scanning the payment identifier; step S208, carrying out payment processing of the payment request based on the resource account;

In an optional implementation manner provided in this embodiment, the service device decodes the credential identifier to obtain decoding information, and obtains user identity information from the credential platform according to the decoding information, so as to perform service processing according to the user identity information.

In addition, the access link of the payment identification can be opened through the form of the payment material code configured in the venue, so that the user terminal can submit the access request of the subprogram through scanning the payment material code under the condition of default display credential identification, and optionally, the access request of the subprogram submitted by the user terminal is generated based on the decoding result of the payment material code after the user terminal scans the payment material code; and the user terminal acquires the certificate identification of the electronic certificate from the certificate platform after detecting the access request aiming at the subprogram, and displays the certificate identification on a certificate access page of the subprogram.

For example, after detecting an access request for a subroutine, the user terminal obtains a credential identifier of an electronic credential from the credential platform, and displays the credential identifier on a credential access page of the subroutine, after displaying the credential identifier by the user, the user terminal generates an access request of the subroutine based on a decoding result of the payment material code by scanning the payment material code as shown in fig. 8, submits the access request to the server, and the server generates a payment identifier of the electronic credential in the subroutine and transmits the payment identifier to the user terminal in response to the access request.

In addition, in the step S204, after the verification is passed, a payment identifier of the electronic certificate in the subroutine is generated and issued to the user terminal, so that the payment identifier is displayed by the subroutine, and the method may be replaced by: and after the verification is passed, generating a payment identifier of the electronic certificate in the subprogram and issuing the electronic certificate to a payment device so as to carry out payment processing through the payment identifier.

(2) The first mark and the second mark are the same mark

Under the condition that the first identifier and the second identifier of the electronic certificate in the subprogram are both payment identifiers, after the user terminal detects a user access instruction based on the subprogram and generates an access request, the access request is submitted to the server, the server responds to the access request to check the electronic certificate corresponding to the access request, after the verification is passed, the electronic certificate is generated, the payment identifier of the subprogram is issued to the user terminal, and after the user terminal receives the payment identifier issued by the server, the payment identifier is displayed in the subprogram;

thereafter, if the payment device scans the payment identifier, the server executes step S206, where the resource account associated with the electronic certificate is determined in the payment configuration of the subroutine according to the payment request submitted by the payment device by scanning the payment identifier;

If the service device scans the payment identifier, in an optional implementation manner provided in this embodiment, if a service request submitted by the service device through scanning the payment identifier is obtained, user identity information is queried based on user identifier information carried by the service request, and the user identity information is returned to the service device to perform service processing according to the user identity information.

Specifically, the server queries the user identity information of the user in the mapping table of the identity information and the identity information based on the user identity information carried by the service request, or can also receive the user identity information returned by the credential platform by sending the user identity information to the credential platform, and returns the user identity information to the service device to perform service processing according to the user identity information.

If the first identifier and the second identifier of the electronic certificate in the subprogram are both the certificate identifiers, the server responds to the access request after the user terminal detects the user access instruction based on the subprogram and generates the access request to submit to the server, the electronic certificate corresponding to the access request is verified, the electronic certificate is generated after the verification is passed and issued to the user terminal in the certificate identifier of the subprogram, and the certificate identifier is displayed in the subprogram after the user terminal receives the certificate identifier issued by the server;

After that, if the payment equipment scans the credential identification, the server receives a payment request submitted by the payment equipment, and correspondingly, the server determines a resource account associated with the electronic credential in the payment configuration of the subroutine according to the payment request submitted by the payment equipment by scanning the credential identification;

if the service equipment scans the certificate identification, the server receives a service request submitted by the service equipment, inquires user identity information based on user identification information carried by the service request, and returns the user identity information to the service equipment to perform service processing according to the user identity information.

Step S206, determining the resource account associated with the electronic certificate in the payment configuration of the subprogram according to the payment request submitted by the payment device through scanning the payment identification.

After the generation of the electronic certificate is issued to the user terminal at the payment identifier of the subroutine so as to be executed by the step of displaying the payment identifier by the subroutine, in this step, under the condition that the payment device scans the payment identifier displayed by the user terminal, the resource account associated with the electronic certificate is determined in the payment configuration of the subroutine according to the payment request submitted by the payment device by scanning the payment identifier.

Specifically, in the process of determining the resource account associated with the electronic certificate, the resource account corresponding to the payment channel with the first payment priority in the payment channel set of the payment channel list can be used as the resource account associated with the electronic certificate.

In a specific implementation process, when the scanning device is a payment device, corresponding implementation modes are set for the case that the first identifier and the second identifier are the same identifier (payment identifier) and the case that the first identifier and the second identifier are different identifiers, respectively, which are described in detail below.

(1) The first mark and the second mark are different marks

After the user terminal displays the payment identifier through the subprogram, the payment equipment determines the resource account associated with the electronic certificate in the payment configuration of the subprogram by scanning the payment request submitted by the payment identifier; after the user terminal displays the credential identification through the subprogram, the service equipment decodes the credential identification by scanning the credential identification to obtain decoding information, and obtains user identity information from the credential platform according to the decoding information so as to perform service processing according to the user identity information.

After a user submits a payment request by scanning a payment material code, a server responds to an access request of a subprogram generated based on a decoding result of the payment material code after the user terminal scans the payment material code, an electronic certificate corresponding to the access request is verified, after verification is passed, a payment identification of the electronic certificate in the subprogram is generated and sent to a payment device, after that, the payment device submits the payment request to the server based on the payment identification, and the server determines a resource account associated with the electronic certificate in a payment configuration of the subprogram.

(2) The first mark and the second mark are the same mark

After the user terminal displays the payment identifier through the subprogram, if the payment device scans the payment identifier, the server receives a payment request submitted by the payment device, and correspondingly, the server determines a resource account associated with the electronic certificate in the payment configuration of the subprogram according to the payment request submitted by the payment device through scanning the payment identifier; if the service equipment scans the payment identifier, the server receives a service request submitted by the service equipment, inquires user identity information based on user identifier information carried by the service request, and returns the user identity information to the service equipment to perform service processing according to the user identity information.

After the user terminal displays the credential identifier through the subroutine, if the payment equipment scans the credential identifier, the server receives a payment request submitted by the payment equipment, and correspondingly, the server determines a resource account associated with the electronic credential in the payment configuration of the subroutine according to the payment request submitted by the payment equipment through scanning the credential identifier; if the service equipment scans the certificate identification, the server receives a service request submitted by the service equipment, inquires user identity information based on user identification information carried by the service request, and returns the user identity information to the service equipment to perform service processing according to the user identity information.

In addition, the step S206 may be replaced by: and determining the resource account associated with the electronic certificate in the payment configuration of the subprogram according to a payment request submitted by the payment equipment based on the payment identification.

And step S208, carrying out payment processing of the payment request based on the resource account.

And after the resource account associated with the electronic certificate is determined in the payment configuration of the subprogram according to the payment request submitted by the payment equipment through scanning the payment identifier, in the step, the payment processing of the payment request is performed based on the resource account. Specifically, in the payment processing process of making a payment request based on a resource account, user interests in the user resource account can be determined first, and payment processing is performed on a payment order based on available resources in the resource account and the user interests.

In practical application, when a specific mechanism issues a benefit for a user, in the process of issuing the benefit for the user by the specific mechanism, the benefit and payment can be obtained by integrating the benefit and payment, so that the user can get the benefit and complete payment when scanning a payment material code placed in the specific mechanism, specifically, in the process of submitting a subprogram access request through the payment material code, a server responds to an access request of the subprogram submitted by a user terminal to verify an electronic certificate corresponding to the access request, and after the verification is passed and before the payment processing of the payment request is performed based on the resource account, in an alternative implementation provided by the embodiment, the user benefit is determined based on a decoding result of the payment material code and user identity information corresponding to the electronic certificate, and the user benefit is issued to the resource account; the payment material codes comprise material codes for acquiring rights and benefits and paying the rights and benefits;

accordingly, the payment processing of the payment request based on the resource account includes:

and carrying out payment processing on the payment order corresponding to the payment request based on the available resources in the resource account and the user rights and interests.

For example, the user obtains the social security subsidy x by the payment material code acquired by the social security equity, and when the payment processing of the order to be paid is performed, the payment processing of the order to be paid is performed based on the balance a in the bank account 1 associated with the social security electronic certificate and the social security subsidy x.

Further, in the payment processing process, related rights can be set for the payment of special articles, and further, in the case that the usage rights exist in the received user rights, whether the payment type of the payment order is matched with the rights type of the user rights or not can be detected;

if yes, carrying out payment processing on the payment order based on the available resources and the user rights and interests;

and if not, carrying out payment processing on the payment order based on the available resources.

Referring to the above example, in the process of performing payment processing on an order to be paid based on the balance a and the social security subsidy x in the bank account 1 associated with the social security electronic certificate, if the payment type of the order to be paid is luxury consumption, the social security subsidy is not available for payment; if the payment type of the order to be paid is a specific electronic product consumption ticket or a specific automobile consumption ticket, the social security patch can be used for payment.

In practical application, there is a case that the electronic certificate cannot pay a special order, for example, the social security electronic certificate cannot pay medical insurance expense, for this, in an optional implementation manner provided in this embodiment, the electronic certificate and the third party certificate establish a certificate binding relationship, and the payment material code is configured in a target mechanism that opens a payment channel of the third party certificate.

Specifically, the user terminal uses a payment channel of the third party certificate to pay the order which cannot be paid by the electronic certificate by scanning a payment material code of the target organization.

In addition, the binding relationship between the electronic certificate and the third party certificate can be established, so that the user pays the payable order of the third party certificate through the electronic certificate, for example, the social security electronic certificate and the public transportation electronic certificate are bound, and the payment is carried out through the account of the public transportation electronic certificate.

In summary, according to the one or more payment processing methods based on electronic certificates provided in this embodiment, an access request of a subroutine submitted by a user terminal is responded, an electronic certificate corresponding to the access request is verified, after the verification is passed, a payment identifier of the electronic certificate in the subroutine is generated and issued to the user terminal, so as to display the payment identifier through the subroutine, after the subroutine displays the payment identifier, a resource account associated with the electronic certificate is determined in a payment configuration of the subroutine according to a payment request submitted by a payment device through scanning the payment identifier, and payment processing of the payment request is performed based on the resource account, so that the use experience of the electronic certificate of a user is improved, and service efficiency is improved.

Further, on the basis of the payment identification display and the credential access page of the subroutine, if the user terminal detects the identification switching instruction submitted through the credential access page, the credential identification of the electronic credential is obtained from the credential platform, the payment identification displayed by the credential access page is updated to be the credential identification, and the application scene of the electronic credential is distinguished through the payment identification and the credential identification from two services, namely the payment service and the user information inquiry service, which can be provided by the electronic credential, so that the user experience is improved due to misuse caused by indistinct distinguishing of the two credentials.

The payment processing method based on the electronic certificate provided in the embodiment can be applied to a server, and the payment processing method based on the electronic certificate provided in the embodiment is matched with the payment processing method based on the electronic certificate provided in the embodiment in the execution process, so that the embodiment is read with reference to the payment processing method based on the electronic certificate provided in the embodiment, and the embodiment of the method can also be read with reference to the corresponding content of the embodiment.

The following further describes, with reference to fig. 9, the electronic credential based payment processing method provided in this embodiment, by taking an application of the electronic credential based payment processing method provided in this embodiment to a payment identification payment scenario as an example, and referring to fig. 9, the electronic credential based payment processing method applied to a payment identification payment scenario specifically includes the following steps.

Step S904, responding to the access request of the subprogram submitted by the user terminal, and checking the electronic certificate corresponding to the access request.

Step S906, after the verification is passed, a payment identification of the electronic certificate in the subprogram is generated and issued to the user terminal.

After that, the user terminal receives the payment identifier of the user electronic certificate issued by the server in the subroutine, and displays the payment identifier in the subroutine, so that the payment device submits the payment request by scanning the payment identifier.

Step S912, determining a resource account associated with the electronic certificate in the payment configuration of the subroutine according to the payment request submitted by the payment device through scanning the payment identity.

Step S914, performing payment processing on the payment order corresponding to the payment request based on the available resources in the resource account and the user interests.

In addition, after the step S906 is executed, after the subroutine displays the payment identifier, if a service request submitted by the service device through scanning the payment identifier is obtained, the user identity information is queried based on the user identifier information carried by the service request, and the user identity information is returned to the service device to perform service processing according to the user identity information.

The steps S904 to S906 and S912 to S914 provided in the present embodiment are executed by a server, and it should be noted that the processing procedures of the steps S904 to S906 and S912 to S914 executed by the server and the processing procedures of the steps S902 and S908 to S910 executed by the user terminal in the following embodiments may be mutually matched in the execution, so that the corresponding contents of the steps S902 and S908 to S910 executed by the user terminal in the following embodiments are read, and the corresponding contents of the steps S902 and S908 to S910 executed by the user terminal in the following embodiments may be read, with reference to the corresponding contents of the steps S904 to S906 and S912 to S914 executed by the server in the present embodiment.

The following describes an example of application of the electronic credential-based payment processing method provided in this embodiment to a credential identification payment scenario, and further describes the electronic credential-based payment processing method provided in this embodiment with reference to fig. 10, and the electronic credential-based payment processing method applied to the credential identification payment scenario specifically includes the following steps.

Step S1004, in response to the access request of the subroutine submitted by the user terminal, verifying the electronic certificate corresponding to the access request.

Step S1006, after the verification is passed, the payment identification of the electronic certificate in the subprogram is generated and issued to the user terminal, so that the payment identification is displayed through the subprogram.

After that, the user terminal receives the payment identification of the electronic certificate of the user issued by the server in the subprogram, and displays the payment identification on the certificate access page of the subprogram, if the user terminal detects the identification switching instruction submitted through the certificate access page, the user terminal acquires the certificate identification of the electronic certificate from the certificate platform, and updates the payment identification displayed on the certificate access page into the certificate identification;

under the condition that the credential identification displayed by the credential access page is scanned by the service equipment, the service equipment decodes the credential identification to obtain decoding information, and obtains user identity information from the credential platform according to the decoding information so as to perform service processing according to the user identity information.

In addition, under the condition that the user switches the credential identifier displayed on the credential access page into a payment identifier, the server determines a resource account associated with the electronic credential in the payment configuration of the subprogram according to a payment request submitted by the payment device through scanning the payment identifier; determining user interests based on user identity information corresponding to the electronic credentials, and issuing the user interests to the resource accounts; detecting whether the payment type of the payment order is matched with the interest type of the user interest; if yes, carrying out payment processing on the payment order based on the available resources and the user rights and interests; and if not, carrying out payment processing on the payment order based on the available resources.

The steps S1004 to S1006 provided in this embodiment are executed by a server, and it should be noted that, the processing procedure of the steps S1004 to S1006 executed by the server and the processing procedure of the steps S1002 and S1008 to S1012 executed by the user terminal in the embodiment described below may be matched in the execution procedure, so that the corresponding contents of the steps S1002 and S1008 to S1012 executed by the user terminal in the embodiment described below are read, and the corresponding contents of the steps S1002 and S1008 to S1012 executed by the user terminal in the embodiment described below may be read by referring to the corresponding contents of the steps S1004 to S1006 executed by the server in the embodiment described below.

The following describes an example of application of the electronic certificate-based payment processing method provided in this embodiment to a payment scene of scanning a payment material code, with reference to fig. 11, and further describes the electronic certificate-based payment processing method provided in this embodiment, referring to fig. 11, the electronic certificate-based payment processing method applied to a payment scene of scanning a payment material code specifically includes the following steps.

Step S1106, in response to the user terminal scanning the payment material code and generating an access request of the subroutine based on the decoding result of the payment material code, verifying the electronic certificate corresponding to the access request.

In step S1108, after the verification is passed, a payment identifier of the electronic certificate in the subroutine is generated and sent to the payment device.

After this, the payment device submits a payment request to the server based on the payment identification.

Step S1110, determining, in the payment configuration of the subroutine, a resource account associated with the electronic certificate according to a payment request submitted by the payment device based on the payment identification.

Step S1112, determining user interests based on the decoding result of the payment material code and the user identity information corresponding to the electronic credentials, and issuing the user interests to the resource account.

Step S1114, detecting whether the payment type of the payment order matches the equity type of the user equity;

if yes, the following step S1116 is executed;

if not, the payment order is paid based on the available resources.

Step S1116, performing payment processing on the payment order based on the available resources and the user interests.

The steps S1106 to S1116 provided in the present embodiment are executed by a server, and it should be noted that the processing procedure of the steps S1106 to S1116 executed by the server and the processing procedure of the steps S1102 to S1104 executed by the user terminal in the following embodiment may be matched in the execution procedure, so that the corresponding contents of the steps S1102 to S1104 executed by the user terminal in the following embodiment are read, and the corresponding contents of the steps S1102 to S1104 executed by the user terminal in the following embodiment may be read.

One or more embodiments of the second electronic credential-based payment processing method provided in the present specification are as follows:

referring to fig. 12, the electronic certificate-based payment processing method provided in the present embodiment is applied to a user terminal, and specifically includes steps S1202 to S1206.

Step S1202, based on the user access instruction detected by the subroutine, generates an access request and submits it to the server.

in addition, the same identifier can be set for the payment scene and the service scene to display, and payment or service processing is performed through one identifier, namely: the first identifier of the electronic certificate for service processing and the second identifier for payment processing in the subprogram can be the same identifier. For example, the user may query the social security payment record and pay the medical fee based on the payment identification of the electronic voucher as shown in the presentation page of the payment identification of fig. 3, or the user may query the social security payment record and pay the medical fee based on the voucher identification of the electronic voucher as shown in the presentation page of the voucher identification of fig. 4.

Step S1204, receiving a payment identifier of the electronic credential of the user issued by the server in the subroutine.

if yes, determining that verification passes, generating a payment identifier of the electronic certificate in the subprogram and issuing the payment identifier to the user terminal so as to display the payment identifier through the subprogram;

Specifically, in the process of accessing the electronic certificate through the subroutine, respective corresponding identifiers can be set for the payment scene and the service scene, namely: the payment scenario corresponds to the payment identity, and the service scenario corresponds to the credential identity; correspondingly, in the access process, the corresponding identifiers are accessed respectively to carry out payment or service processing. That is, the first identifier of the electronic certificate for service processing and the second identifier for payment processing in the subroutine may be different identifiers

(1) The first mark and the second mark are different marks

The payment device submits a payment request by scanning the payment identifier aiming at the condition that the payment identifier is scanned by the payment device, and the server determines a resource account associated with the electronic certificate in the payment configuration of the subprogram according to the payment request submitted by the payment device by scanning the payment identifier; and performing payment processing of the payment request based on the resource account;

In addition, after the verification is passed, the payment identifier of the electronic certificate in the subprogram is generated and issued to the user terminal, so that the payment identifier is displayed through the subprogram, and the payment identifier can be replaced by: and after the verification is passed, generating a payment identifier of the electronic certificate in the subprogram and issuing the electronic certificate to a payment device so as to carry out payment processing through the payment identifier.

(2) The first mark and the second mark are the same mark

After that, if the payment device scans the payment identifier, the server determines a resource account associated with the electronic certificate in the payment configuration of the subroutine according to a payment request submitted by the payment device by scanning the payment identifier;

In addition, the step S1204 may be replaced by receiving the credential identifier of the electronic credential of the user issued by the server in the subroutine.

Step S1206, displaying the payment identifier in the subroutine, so that the payment device submits the payment request by scanning the payment identifier, and the server performs the payment processing of the payment request based on the resource account associated with the electronic certificate.

After receiving the payment identifier of the user's electronic certificate issued by the server, in this step, the payment identifier is displayed in the subroutine, so that the payment device submits the payment request by scanning the payment identifier, and the server performs the payment processing of the payment request based on the resource account associated with the electronic certificate; optionally, the resource account is determined in a payment configuration of the subroutine. Specifically, in the process of determining the resource account associated with the electronic certificate, the resource account corresponding to the payment channel with the first payment priority in the payment channel set of the payment channel list can be used as the resource account associated with the electronic certificate.

(1) The first mark and the second mark are different marks

(2) The first mark and the second mark are the same mark

For the step S1204 described above to be replaced with a credential identifier of the sub-program for receiving the electronic credential of the user issued by the server, this step may also be replaced with: and displaying the credential identification in the subprogram so that a payment device submits a payment request by scanning the payment identification, and enabling the server to conduct payment processing of the payment request based on a resource account associated with the electronic credential.

Step S902, based on the access instruction of the payment identifier detected by the subroutine, an access request is generated and submitted to the server.

Step S908, receiving a payment identifier of the electronic credential of the user in the subroutine issued by the server.

In step S910, the payment identifier is presented in the subroutine so that the payment device submits the payment request by scanning the payment identifier.

Step S1002, based on the access instruction of the payment identifier detected by the subroutine, an access request is generated and submitted to the server.

Step S1008, receiving a payment identifier of the electronic credential of the user in the subroutine issued by the server.

Step S1010, the payment identifier is presented on the credential access page of the subroutine.

Step S1012, after detecting the identification switching instruction submitted through the credential access page, acquiring the credential identification of the electronic credential from the credential platform, and updating the payment identification displayed by the credential access page to the credential identification.

Step S1102, after detecting the access request for the sub-program, obtains the credential identifier of the electronic credential from the credential platform, and displays the credential identifier on the credential access page of the sub-program.

Step S1104, generating an access request of the subroutine based on the decoding result of the payment material code after scanning the payment material code, and submitting the access request to the server.

One or more embodiments of the third electronic credential-based payment processing method provided in the present specification are as follows:

referring to fig. 13, the electronic certificate-based payment processing method provided in the present embodiment is applied to a server, and specifically includes steps S1302 to S1308.

Step S1302, a payment request submitted after the payment device scans a credential identifier of the electronic credential is received.

In the specific execution process, aiming at two different application scenes of the electronic certificate, under the condition that the first identifier and the second identifier are the same identifier, namely the identifier is the same identifier, the payment equipment scans the identifier of the electronic certificate displayed on the certificate access page of the subroutine of the user terminal, and the server receives the payment request submitted after the payment equipment scans the identifier of the electronic certificate, and verifies the electronic certificate corresponding to the payment request;

the payment equipment scans the voucher identification of the electronic voucher displayed on the voucher access page of the subprogram of the user terminal, decodes the voucher identification, generates a payment request according to a decoding result and submits the payment request to the server, receives the payment request submitted after the payment equipment scans the voucher identification of the electronic voucher, and verifies the electronic voucher; optionally, the credential identifies a credential access page of a subroutine presented at the user terminal.

Optionally, in the case that the credential identifier displayed on the credential access page is scanned by a service device, the service device decodes the credential identifier to obtain decoding information, and obtains user identity information from the credential platform according to the decoding information, so as to perform service processing according to the user identity information.

In a specific implementation, in order to improve the validity of the electronic certificate in payment processing, in an alternative implementation provided in this embodiment, before the step of receiving the payment request submitted after the electronic certificate is scanned by the payment device is executed, the method further includes:

determining a payment channel corresponding to the account information based on the account information of the resource account associated with the electronic certificate carried by the query result, and adding the payment channel into a payment channel list contained in the payment configuration of the subroutine; optionally, the payment priority of the payment channel is at the first in the payment channel set of the payment channel list.

Specifically, because the electronic certificate related resource account information is recorded in the certificate platform, after signing the electronic certificate payment protocol, a query request carrying user identity information can be sent to the certificate platform, a query result returned by the certificate platform is obtained, a payment channel corresponding to the account information is determined based on the account information of the electronic certificate related resource account carried by the query result, and the payment channel is added to a payment channel list contained in the payment configuration of the subroutine.

Step S1304, obtaining user payment information corresponding to the electronic certificate based on the payment request, and performing encoding processing to obtain a payment identifier.

After the step of receiving the payment request submitted after the payment equipment scans the certificate identifier of the electronic certificate is executed, in the step, the user payment information corresponding to the electronic certificate is obtained based on the payment request, and encoding processing is performed to obtain the payment identifier.

Step S1306, returning the payment identifier to the payment device, so that the payment device initiates a payment call after decoding the payment identifier.

After the step of obtaining the payment identifier by obtaining the user payment information corresponding to the electronic certificate based on the payment request and performing encoding processing is performed, in this step, the payment identifier is returned to the payment device, so that the payment device initiates a payment call after decoding the payment identifier.

Step S1308, in response to the payment call, determines a resource account associated with the electronic certificate in a payment configuration of a subroutine, and performs payment processing based on the resource account.

And returning the payment identifier to the payment device, so that the payment device initiates execution of a payment calling step after decoding the payment identifier, and in this step, in response to the payment calling, determining a resource account associated with the electronic certificate in a payment configuration of a subroutine, and performing payment processing based on the resource account.

Specifically, in the process of payment processing, determining user interests based on user identity information corresponding to the electronic credentials, and issuing the user interests to the resource account; the payment material codes comprise material codes for acquiring rights and benefits and paying the rights and benefits; detecting whether the payment type of the payment order is matched with the rights type of the user rights; if yes, carrying out payment processing on the payment order based on the available resources and the user rights and interests; and if not, carrying out payment processing on the payment order based on the available resources.

The electronic certificate-based payment processing method provided in the embodiment can be applied to a server, and the electronic certificate-based payment processing method provided in the embodiment is matched with the electronic certificate-based payment processing method provided in the embodiment in the execution process, so that the embodiment is read with reference to the electronic certificate-based payment processing method provided in the embodiment, and the embodiment of the method can also be read with reference to the corresponding content of the embodiment.

The following describes an example of application of the electronic credential-based payment processing method provided in this embodiment to a credential identification payment scenario, and further describes the electronic credential-based payment processing method provided in this embodiment with reference to fig. 14, and the electronic credential-based payment processing method applied to the credential identification payment scenario specifically includes the following steps.

In step S1406, a payment request submitted after the payment device scans the credential identifier of the electronic credential is received.

In step S1408, the payment request is used to obtain the user payment information corresponding to the electronic certificate, and the encoding process is performed to obtain the payment identifier.

Step S1410, returning a payment identifier to the payment device.

Step S1416, in response to the payment call, determining a resource account associated with the electronic certificate in a payment configuration of a subroutine, and performing payment processing based on the resource account

The steps S1406 to S1410 and S1416 provided in this embodiment are executed by a server, and it should be noted that, the processing procedures of the steps S1406 to S1410 and S1416 executed by the server and the processing procedures of the steps S1402 to S1404 and S1412 to S1414 executed by the payment device in this embodiment may be mutually matched in the execution process, so that the corresponding contents of the steps S1402 to S1404 and S1412 to S1414 executed by the payment device in this embodiment are read, and the corresponding contents of the steps S1402 to S1404 and S1412 to S1414 executed by the payment device in this embodiment may be referred to by the server in this embodiment.

One or more embodiments of a fourth electronic credential-based payment processing method provided herein are as follows:

referring to fig. 15, the electronic certificate-based payment processing method provided in the present embodiment is applied to a payment device, and specifically includes steps S1502 to S1508.

Step S1502 scans the credential identification of the electronic credential presented by the credential access page of the subroutine of the user terminal.

In practical application, two different application scenarios of the electronic certificate can be distinguished through two different identifications, namely: the first identification of the electronic certificate is used for carrying out the verification processing, the second identification of the electronic certificate is used for carrying out the payment processing, the first identification of the electronic certificate for carrying out the verification processing in the subprogram and the second identification for carrying out the payment processing can be different identifications, for example, if a user needs to inquire a social security payment record, the user identity information can be obtained for inquiry by scanning the certificate identification of the electronic certificate; if the user needs to pay the medical fee, the payment identification of the electronic certificate is scanned to pay the order;

in addition, the same identification may be used to implement the transaction and payment processing at the same time, in which case, the first identification of the electronic certificate for performing the identity processing in the subroutine and the second identification for performing the payment processing may be the same identification, for example, as shown in fig. 3, a payment identification display page, a user may query a social security payment record and pay medical fees based on the payment identification of the electronic certificate, or as shown in fig. 4, a user may query a social security payment record and pay medical fees based on the identification of the electronic certificate.

In a specific implementation process, aiming at two different application scenarios of the electronic certificate, under the condition that the first identifier and the second identifier are the same identifier, namely the identifier is the same identifier, the payment device scans the identifier of the electronic certificate displayed on the certificate access page of the subroutine of the user terminal, and the server receives the payment request submitted after the payment device scans the identifier of the electronic certificate, and optionally, the identifier is displayed on the certificate access page of the subroutine of the user terminal.

Step S1504, decoding the certificate identification, generating a payment request according to the decoding result and submitting the payment request to a server.

Step S1506, receiving a payment identifier returned by the server and obtained by encoding the user payment information corresponding to the electronic certificate.

Step S1508, decoding the payment identifier, and initiating a payment call based on the decoding result, so as to determine a resource account associated with the electronic certificate in the payment configuration of the subroutine, and perform payment processing.

Step S1402 scans the credential identification of the electronic credential presented by the credential access page of the subroutine of the user terminal.

Step S1404, decoding the credential identifier, generating a payment request according to the decoding result, and submitting the payment request to a server.

Step S1412, receiving a payment identifier obtained by encoding the user payment information corresponding to the electronic certificate returned by the server.

Step S1414, decoding the payment identification and initiating payment call based on the decoding result.

An embodiment of a first electronic credential-based payment processing apparatus provided in the present specification is as follows:

In the foregoing embodiments, a first electronic credential-based payment processing method applied to a server is provided, and a first electronic credential-based payment processing apparatus running on the server is provided correspondingly, which is described below with reference to the accompanying drawings.

Referring to fig. 16, a schematic diagram of an embodiment of a first electronic credential based payment processing apparatus provided in this embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The embodiment provides a payment processing apparatus based on electronic certificates, which is operated in a server, and the apparatus includes:

the credential verification module 1602 is configured to respond to an access request of a subroutine submitted by a user terminal, and verify an electronic credential corresponding to the access request;

after the verification is passed, a payment identifier issuing module 1604 is operated, and the payment identifier issuing module 1604 is configured to generate a payment identifier of the electronic certificate in the subroutine and issue the electronic certificate to the user terminal so as to display the payment identifier through the subroutine;

A resource account determination module 1606 configured to determine the resource account associated with the electronic credential in a payment configuration of the subroutine in accordance with a payment request submitted by a payment device by scanning the payment identity;

a payment processing module 1608 configured to perform payment processing of the payment request based on the resource account.

The second embodiment of the payment processing apparatus based on electronic certificates provided in the present specification is as follows:

in the foregoing embodiments, a second electronic credential-based payment processing method applied to a user terminal is provided, and a second electronic credential-based payment processing apparatus running on the user terminal is provided correspondingly, which is described below with reference to the accompanying drawings.

Referring to fig. 17, a schematic diagram of an embodiment of a second electronic credential based payment processing apparatus provided in this embodiment is shown.

The embodiment provides a payment processing apparatus based on electronic certificates, which is operated in a user terminal, and the apparatus includes:

An access request submitting module 1702 configured to generate an access request and submit the access request to a server based on a user access instruction detected by the subroutine;

a payment identifier receiving module 1704 configured to receive a payment identifier of the electronic credential of the user issued by the server in the subroutine;

a payment identity presentation module 1706 configured to present the payment identity at the subroutine to cause a payment device to submit a payment request by scanning the payment identity and to cause the server to conduct payment processing of the payment request based on a resource account associated with the electronic voucher; the resource account is determined in a payment configuration of the subroutine.

The third embodiment of the payment processing apparatus based on electronic certificates provided in the present specification is as follows:

in the foregoing embodiments, a third electronic credential-based payment processing method applied to a server is provided, and a third electronic credential-based payment processing apparatus running on the server is provided correspondingly, which is described below with reference to the accompanying drawings.

Referring to fig. 18, a schematic diagram of an embodiment of a third electronic credential based payment processing apparatus provided in this embodiment is shown.

a payment request receiving module 1802 configured to receive a payment request submitted after the payment device scans a credential identification of the electronic credential; the credential identification is displayed on a credential access page of a subroutine of the user terminal;

an encoding processing module 1804, configured to obtain user payment information corresponding to the electronic certificate based on the payment request, and perform encoding processing to obtain a payment identifier;

a payment identity return module 1806 configured to return the payment identity to the payment device, such that the payment device initiates a payment call after decoding the payment identity;

a payment processing module 1808 configured to determine a resource account associated with the electronic credential in a payment configuration of a subroutine in response to the payment call, and to perform payment processing based on the resource account.

The fourth embodiment of the payment processing apparatus based on electronic certificates provided in the present specification is as follows:

in the foregoing embodiment, a fourth electronic credential-based payment processing method applied to a payment device is provided, and correspondingly, a fourth electronic credential-based payment processing apparatus running on the payment device is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 19, a schematic diagram of an embodiment of a fourth electronic credential based payment processing apparatus provided in this embodiment is shown.

The embodiment provides a payment processing apparatus based on electronic certificates, which is operated in a payment device, and the apparatus includes:

a credential identity scanning module 1902 configured to scan a credential identity of an electronic credential presented by a credential access page of a subroutine of the user terminal;

a payment request submitting module 1904 configured to decode the credential identification, generate a payment request according to the decoding result and submit the payment request to a server;

A payment identifier receiving module 1906, configured to receive a payment identifier returned by the server and obtained by encoding user payment information corresponding to the electronic certificate;

a payment invocation module 1908 configured to decode the payment identity and initiate a payment invocation based on the decoding result to determine the resource account associated with the electronic credential and to conduct payment processing in the payment configuration of the subroutine.

The first embodiment of the payment processing apparatus based on electronic certificates provided in the present specification is as follows:

corresponding to the first electronic certificate-based payment processing method applied to the server described above, and based on the same technical concept, one or more embodiments of the present disclosure further provide a first electronic certificate-based payment processing apparatus, where the first electronic certificate-based payment processing apparatus is used to execute the first electronic certificate-based payment processing method applied to the server provided above, and fig. 20 is a schematic structural diagram of the first electronic certificate-based payment processing apparatus provided by the one or more embodiments of the present disclosure.

The first payment processing device based on electronic certificates provided in this embodiment includes:

As shown in fig. 20, the electronic credential based payment processing device may vary widely in configuration or performance, may include one or more processors 2001 and memory 2002, and may have one or more storage applications or data stored in memory 2002. Wherein the memory 2002 may be transient storage or persistent storage. The application programs stored in the memory 2002 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in an electronic credential-based payment processing device. Still further, the processor 2001 may be arranged to communicate with the memory 2002, executing a series of computer executable instructions in the memory 2002 on the electronic credential based payment processing device. The electronic credential based payment processing device may also include one or more power supplies 2003, one or more wired or wireless network interfaces 2004, one or more input/output interfaces 2005, one or more keyboards 2006, and the like.

In one particular embodiment, an electronic credential based payment processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the electronic credential based payment processing device, and the execution of the one or more programs by the one or more processors comprises computer executable instructions for:

Responding to an access request of a subprogram submitted by a user terminal, and verifying an electronic certificate corresponding to the access request;

after the verification is passed, generating a payment identifier of the electronic certificate in the subprogram and issuing the payment identifier to the user terminal so as to display the payment identifier through the subprogram;

determining a resource account associated with the electronic certificate in a payment configuration of the subprogram according to a payment request submitted by the payment equipment through scanning the payment identifier;

and carrying out payment processing of the payment request based on the resource account.

The second electronic credential-based payment processing apparatus embodiment provided in this specification is as follows:

corresponding to the second electronic certificate-based payment processing method applied to the server described above, based on the same technical concept, one or more embodiments of the present disclosure further provide a second electronic certificate-based payment processing apparatus, where the second electronic certificate-based payment processing apparatus is used to execute the second electronic certificate-based payment processing method applied to the server provided above, and fig. 21 is a schematic structural diagram of the second electronic certificate-based payment processing apparatus provided by the one or more embodiments of the present disclosure.

The second electronic credential-based payment processing apparatus provided in this embodiment includes:

as shown in fig. 21, the electronic credential based payment processing device may vary widely in configuration or performance, may include one or more processors 2101 and memory 2102, and may have one or more stored applications or data stored in the memory 2102. Wherein memory 2102 may be transient or persistent. The application program stored in memory 2102 may include one or more modules (not shown in the figures), each of which may include a series of computer executable instructions in an electronic credential based payment processing device. Still further, the processor 2101 may be configured to communicate with the memory 2102 to execute a series of computer executable instructions in the memory 2102 on the electronic credential based payment processing device. The electronic credential based payment processing device may also include one or more power supplies 2103, one or more wired or wireless network interfaces 2104, one or more input/output interfaces 2105, one or more keyboards 2106, and the like.

Generating an access request based on the user access instruction detected by the subprogram and submitting the access request to a server;

receiving a payment identifier of the electronic certificate of the user in the subprogram, which is issued by the server;

displaying the payment identifier in the subprogram so that payment equipment submits a payment request by scanning the payment identifier and the server performs payment processing of the payment request based on a resource account associated with the electronic certificate; the resource account is determined in a payment configuration of the subroutine.

corresponding to the third electronic certificate-based payment processing method applied to the server described above, based on the same technical concept, one or more embodiments of the present disclosure further provide a third electronic certificate-based payment processing apparatus, where the third electronic certificate-based payment processing apparatus is used to execute the third electronic certificate-based payment processing method applied to the server provided above, and fig. 22 is a schematic structural diagram of the third electronic certificate-based payment processing apparatus provided in one or more embodiments of the present disclosure.

The third electronic credential-based payment processing apparatus provided in this embodiment includes:

as shown in fig. 22, the electronic credential based payment processing device may be of a relatively large variety in configuration or performance, may include one or more processors 2201 and memory 2202, and may have one or more stored applications or data stored in the memory 2202. Wherein the memory 2202 may be transient storage or persistent storage. The application programs stored in memory 2202 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in an electronic credential-based payment processing device. Still further, the processor 2201 may be configured to communicate with the memory 2202 and execute a series of computer executable instructions in the memory 2202 on an electronic credential based payment processing device. The electronic credential based payment processing device can also include one or more power sources 2203, one or more wired or wireless network interfaces 2204, one or more input/output interfaces 2205, one or more keyboards 2206, and the like.

Receiving a payment request submitted after the payment equipment scans the certificate identification of the electronic certificate; the credential identification is displayed on a credential access page of a subroutine of the user terminal;

acquiring user payment information corresponding to the electronic certificate based on the payment request, and performing coding processing to acquire a payment identifier;

returning the payment identifier to the payment device so that the payment device initiates a payment call after decoding the payment identifier;

and responding to the payment call, determining a resource account associated with the electronic certificate in the payment configuration of a subprogram, and carrying out payment processing based on the resource account.

A fourth embodiment of the electronic credential based payment processing apparatus provided in the present specification is as follows:

corresponding to the fourth electronic certificate-based payment processing method applied to the server described above, based on the same technical concept, one or more embodiments of the present disclosure further provide a fourth electronic certificate-based payment processing apparatus for executing the fourth electronic certificate-based payment processing method applied to the payment apparatus provided above, and fig. 23 is a schematic structural diagram of the fourth electronic certificate-based payment processing apparatus provided in one or more embodiments of the present disclosure.

The fourth electronic credential-based payment processing apparatus provided in this embodiment includes:

as shown in fig. 23, the electronic credential based payment processing device may vary widely in configuration or performance, may include one or more processors 2301 and memory 2302, and may have one or more storage applications or data stored in memory 2302. Wherein memory 2302 may be transient or persistent storage. The application program stored in memory 2302 may include one or more modules (not shown), each of which may include a series of computer executable instructions in an electronic credential based payment processing device. Still further, the processor 2301 may be configured to communicate with the memory 2302 and execute a series of computer executable instructions in the memory 2302 on an electronic credential based payment processing device. The electronic credential based payment processing device can also include one or more power supplies 2303, one or more wired or wireless network interfaces 2304, one or more input/output interfaces 2305, one or more keyboards 2306, and the like.

Scanning a credential identifier of an electronic credential displayed on a credential access page of a subroutine of the user terminal;

decoding the certificate identifier, generating a payment request according to a decoding result and submitting the payment request to a server;

receiving a payment identifier which is returned by the server and obtained by encoding the user payment information corresponding to the electronic certificate;

and decoding the payment identifier, and initiating a payment call based on a decoding result to determine a resource account associated with the electronic certificate in the payment configuration of the subprogram and carry out payment processing.

The first storage medium embodiment provided in the present specification is as follows:

corresponding to the first electronic certificate-based payment processing method applied to the server described above, one or more embodiments of the present specification further provide a first storage medium based on the same technical concept.

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

It should be noted that, in this specification, the embodiment of the first storage medium and the embodiment of the first electronic certificate-based payment processing method applied to the server in this specification are based on the same inventive concept, so that the specific implementation of this embodiment may refer to the implementation of the foregoing corresponding method, and the repetition is omitted.

The second storage medium embodiment provided in the present specification is as follows:

corresponding to the second electronic certificate-based payment processing method applied to the user terminal described above, one or more embodiments of the present specification further provide a second storage medium based on the same technical concept.

It should be noted that, in this specification, an embodiment of the second storage medium and an embodiment of the second payment processing method based on electronic credentials applied to the user terminal in this specification are based on the same inventive concept, so that a specific implementation of this embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

A third storage medium embodiment provided in the present specification is as follows:

corresponding to the third electronic certificate-based payment processing method applied to the server described above, one or more embodiments of the present specification further provide a third storage medium based on the same technical concept.

It should be noted that, in this specification, an embodiment of the third storage medium and an embodiment of the third electronic credential-based payment processing method applied to the server in this specification are based on the same inventive concept, so that a specific implementation of this embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

A fourth storage medium embodiment provided in the present specification is as follows:

corresponding to the fourth electronic certificate-based payment processing method applied to the payment device described above, one or more embodiments of the present specification further provide a fourth storage medium based on the same technical concept.

It should be noted that, in this specification, an embodiment of the fourth storage medium and an embodiment of the fourth electronic credential-based payment processing method applied to the user terminal in this specification are based on the same inventive concept, so that a specific implementation of this embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

In this specification, each embodiment is described in a progressive manner, and the same or similar parts of each embodiment are referred to each other, and each embodiment focuses on the differences from other embodiments, for example, an apparatus embodiment, and a storage medium embodiment, which are all similar to a method embodiment, so that description is relatively simple, and relevant content in reading apparatus embodiments, and storage medium embodiments is referred to the part description of the method embodiment.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

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

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. 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 one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising at least one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A payment processing method based on electronic certificates, applied to a server, the method comprising:

2. The electronic credential-based payment processing method of claim 1, the payment identification being presented to a credential access page of the subroutine;

After detecting an identification switching instruction submitted through the credential access page, the user terminal acquires a credential identification of the electronic credential from a credential platform and updates the payment identification displayed by the credential access page to the credential identification;

the identification switching instruction submits by triggering an access control corresponding to the identification of the certificate access page configuration, or submits by triggering an identification switching control of the certificate access page configuration.

3. The payment processing method based on electronic certificates according to claim 2, wherein in the case that the certificate identifier displayed on the certificate access page is scanned by a service device, the service device decodes the certificate identifier to obtain decoding information, and obtains user identity information from the certificate platform according to the decoding information, so as to perform service processing according to the user identity information.

4. The electronic certificate-based payment processing method according to claim 1, wherein after the verification is passed, the step of generating the electronic certificate after the payment identification of the subroutine and issuing the electronic certificate to the user terminal to show the payment identification through the subroutine is performed, further comprising:

If a service request submitted by the service equipment through scanning the payment identifier is obtained, inquiring user identity information based on user identifier information carried by the service request, and returning the user identity information to the service equipment so as to perform service processing according to the user identity information.

5. The electronic certificate-based payment processing method as set forth in claim 1, wherein the access request of the subroutine submitted by the user terminal is generated based on the decoding result of the payment material code after the user terminal scans the payment material code;

and the user terminal acquires the certificate identification of the electronic certificate from the certificate platform after detecting the access request aiming at the subprogram, and displays the certificate identification on a certificate access page of the subprogram.

6. The electronic credential based payment processing method according to claim 5, wherein after the verifying step is performed on the electronic credential corresponding to the access request in response to the access request of the subroutine submitted by the user terminal, the method further comprises:

determining user interests based on the decoding result of the payment material codes and the user identity information corresponding to the electronic certificates, and issuing the user interests to the resource accounts; the payment material codes comprise material codes for acquiring rights and benefits and paying the rights and benefits;

7. The electronic credential-based payment processing method of claim 6, the payment processing of the payment order corresponding to the payment request based on available resources in the resource account and the user equity, comprising:

detecting whether the payment type of the payment order is matched with the rights type of the user rights;

8. The electronic certificate-based payment processing method as set forth in claim 5, wherein the electronic certificate establishes a certificate binding relationship with a third party certificate, and the payment material code is configured in a target organization that opens a payment channel of the third party certificate.

9. The electronic credential based payment processing method according to claim 1, wherein, before the step of verifying the electronic credential corresponding to the access request is performed in response to the access request of the subroutine submitted by the user terminal, the method further comprises:

10. The electronic credential based payment processing method according to claim 9, wherein the updating the configuration of the payment configuration of the subroutine based on account information of the resource account associated with the electronic credential carried by the query result comprises:

determining a payment channel corresponding to the account information, and adding the payment channel into a payment channel list contained in the payment configuration of the subprogram;

wherein the payment priority of the payment channel is at the first position in the payment channel set of the payment channel list.

11. The electronic credential-based payment processing method according to claim 1, wherein the verifying the electronic credential corresponding to the access request includes:

if yes, determining that the verification passes;

12. A payment processing method based on electronic certificates, applied to a user terminal, the method comprising:

13. The electronic credential-based payment processing method of claim 12, further comprising:

if an identification switching instruction submitted by a certificate access page displaying the payment identification is detected, acquiring the certificate identification of the electronic certificate from a certificate platform;

updating the payment identifier displayed by the credential access page to the credential identifier;

14. The payment processing method based on electronic certificates, as recited in claim 13, wherein in a case that the certificate identifier displayed on the certificate access page is scanned by a service device, the service device decodes the certificate identifier to obtain decoding information, and obtains user identity information from the certificate platform according to the decoding information, so as to perform service processing according to the user identity information.

15. The electronic certificate-based payment processing method as set forth in claim 12, further comprising, before generating an access request and submitting the access request to a server for execution based on a user access instruction detected by a subroutine:

decoding the scanned payment material code to obtain a decoding result, and generating the user access instruction based on the decoding result; the electronic certificate and the third party certificate establish a certificate binding relationship, and the payment material code is configured in a target mechanism for opening a payment channel of the third party certificate; the payment material codes comprise material codes for acquiring rights and benefits and paying the rights and benefits.

16. A payment processing method based on electronic certificates, applied to a server, the method comprising:

17. The payment processing method based on electronic certificates as recited in claim 16, wherein in a case that the certificate identifier displayed on the certificate access page is scanned by a service device, the service device decodes the certificate identifier to obtain decoding information, and obtains user identity information from a certificate platform according to the decoding information, so as to perform service processing according to the user identity information.

18. The electronic-credential-based payment processing method of claim 16, the receiving a payment request submitted after the payment device scans the credential identity of the electronic credential, further comprising, prior to execution:

determining a payment channel corresponding to the account information based on the account information of the resource account associated with the electronic certificate carried by the query result, and adding the payment channel into a payment channel list contained in the payment configuration of the subroutine;

19. A payment processing method based on electronic certificates, applied to a payment device, the method comprising:

20. A payment processing apparatus based on electronic credentials, operating on a server, the apparatus comprising:

the certificate verification module is configured to respond to an access request of a subprogram submitted by a user terminal and verify an electronic certificate corresponding to the access request;

after the verification is passed, a payment identifier issuing module is operated, and the payment identifier issuing module is configured to generate a payment identifier of the electronic certificate in the subprogram and issue the electronic certificate to the user terminal so as to display the payment identifier through the subprogram;

a resource account determination module configured to determine a resource account associated with the electronic certificate in a payment configuration of the subroutine according to a payment request submitted by a payment device by scanning the payment identity;

and the payment processing module is configured to perform payment processing of the payment request based on the resource account.

21. A payment processing apparatus based on electronic credentials, operating at a user terminal, the apparatus comprising:

the access request submitting module is configured to generate an access request and submit the access request to the server based on the user access instruction detected by the subprogram;

the payment identification receiving module is configured to receive a payment identification of the electronic certificate of the user in the subprogram, which is issued by the server;

A payment identifier display module configured to display the payment identifier at the subroutine, so that a payment device submits a payment request by scanning the payment identifier, and the server performs payment processing of the payment request based on a resource account associated with the electronic certificate; the resource account is determined in a payment configuration of the subroutine.

22. A payment processing apparatus based on electronic credentials, operating on a server, the apparatus comprising:

the payment request receiving module is configured to receive a payment request submitted after the payment equipment scans the certificate identification of the electronic certificate; the credential identification is displayed on a credential access page of a subroutine of the user terminal;

the encoding processing module is configured to acquire user payment information corresponding to the electronic certificate based on the payment request and perform encoding processing to acquire a payment identifier;

a payment identifier return module configured to return the payment identifier to the payment device, so that the payment device initiates a payment call after decoding the payment identifier;

and the payment processing module is configured to respond to the payment call, determine a resource account associated with the electronic certificate in the payment configuration of a subprogram and perform payment processing based on the resource account.

23. A payment processing apparatus based on electronic credentials, operating in a payment device, the apparatus comprising:

the credential identification scanning module is configured to scan the credential identification of the electronic credential displayed on the credential access page of the subroutine of the user terminal;

the payment request submitting module is configured to decode the certificate identification, generate a payment request according to a decoding result and submit the payment request to the server;

the payment identifier receiving module is configured to receive a payment identifier which is returned by the server and obtained by encoding the user payment information corresponding to the electronic certificate;

and the payment calling module is configured to decode the payment identification, initiate payment calling based on the decoding result, determine the resource account associated with the electronic certificate in the payment configuration of the subprogram and carry out payment processing.

24. A payment processing apparatus based on electronic credentials, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to perform the electronic credential-based payment processing method of any of claims 1-19.

25. A storage medium storing computer executable instructions which, when executed by a processor, implement the electronic credential-based payment processing method of any one of claims 1 to 19.