CN101799901B - Method for rapidly registering account, recharging and landing - Google Patents

Method for rapidly registering account, recharging and landing Download PDF

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Publication number
CN101799901B
CN101799901B CN200910054840.5A CN200910054840A CN101799901B CN 101799901 B CN101799901 B CN 101799901B CN 200910054840 A CN200910054840 A CN 200910054840A CN 101799901 B CN101799901 B CN 101799901B
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user
party
merchant website
payment system
party payment
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Expired - Fee Related
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CN200910054840.5A
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Chinese (zh)
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CN101799901A (en
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姚学民
姚子靖
吴振玉
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Abstract

The invention provides a method capable of completing account registration, recharging and landing, comprising the following steps: 1) pre-storing merchant information and user information in a third party payment system database; 2) accessing a merchant website in a third party payment gateway, and setting an independent field for storing a third party ID in a merchant website database; 3) authenticating by the third party payment system according to a user request, and delivering the credit in a merchant account; 4) submitting the recharging information and prestored user information in the merchant website by the third party payment system; 5) writing the user information and the recharging information in the appointed field of the database of the merchant website by the merchant website to complete automatic registration and recharging; and 6) triggering the landing program of the merchant website to realize landing of users on the merchant website. The method has the advantage that: registration, recharging and landing on one or more merchant websites can be realized by one code or one command with high efficiency, safety and simple and convenient operation, thus being especially suitable for consuming behaviors of internet value-added services and digital products.

Description

A kind of rapidly registering account the method supplemented with money and log in
Technical field
The invention belongs to Third-party payment and internet value-added service technical field, particularly relate to a kind of method that can complete Account Registration simultaneously, supplement with money and log in.
Background technology
User, when using internet value-added service, consumes digital product, net purchase, needs certain fund to supplement with money and enters merchant website and could use.Its flow process is generally: first user is registered as the user of merchant website, and logs in, then submits to pay invoice to Third-party payment, return success after Third-party payment process, the recharge amount of merchant website recording user, user is authorized, starts to consume.
Can find out, the prerequisite of this pattern is: user first must carry out registering, logging in and supplement with money in merchant website.And the Internet has a large amount of site for services, the digital product especially on the Internet and value-added service, and belong to different websites, when user needs it to serve, all must register and complete payment process separately on each website, very inconvenient.And be that the payment that digital product and content, service are done belongs to small amount payment, by current Third-party payment flow process, then seem very loaded down with trivial details, and supplement with money also safe not at some particular places as carried out payment in Internet bar.User also needs to log in merchant website and submits username and password to before each consumption, inconvenient, dangerous.Preferably carry out completing user registration by a code or an order, supplement with money and log in.
In order to solve the problem of user's fast registration, Chinese patent CN101075910 discloses a kind of method of instant login user, user can be made to complete fast registration in merchant website, but this is only a registration process, and supplementing with money and the process immediately logged in of unresolved user account, user can not be made just to realize logging in and supplementing with money merchant website by a string code.
Chinese patent CN101067856 discloses the method that the interim identifying code of a kind of use carries out small amount payment, Chinese patent CN1835008 discloses utilize SMS to obtain method that payment cipher carries out small amount payment, they can provide safe small amount payment function for user, but its interim identifying code or one-time payment password only play an authentication function in their system, its system can not allow user realize registration in merchant website and log in real time, can not realize being logged in merchant website by single code.
Summary of the invention
The object of the invention is by the expansion to Third-party payment function, use a charge code or one to supplement order with money, realize user and in merchant website, create account and the overall process of supplementing with money, logging in, immediately using.
For achieving the above object, the present invention adopts following technical scheme:
Fast registration account the method supplemented with money and log in, is characterized in that: comprise the following steps:
1) merchant information and user profile are pre-stored in the database of third-party payment system, and wherein user profile at least comprises a third party ID unique in third-party payment system;
2) merchant website access Third-party payment gateway, merchant website database arranges independent field for preserving described third party ID;
3) third-party payment system carries out authentication according to the request of user, puts recharge amount under merchant account after authentication success;
4) charging information and the user profile prestored are submitted to merchant website by third-party payment system, and wherein charging information at least comprises recharge amount;
5) user profile and charging information write in the agreement field of its database by merchant website, complete and automatically register and supplement with money;
6) trigger merchant website landing program, realize user's logging in merchant website.
Step 3 in above method) described in third-party payment system carry out authentication according to the request of user and also comprise: user send at least comprise merchant information, payment and password pay warrant to third-party payment system; Generate one and merchant information and third party ID charge code one to one after third-party payment system authentication, user submits this charge code to after learning charge code by active or passive mode in merchant website; The merchant information that third-party payment system passes over merchant website and charge code are verified, are proved to be successful the rear third party id information corresponding according to charge code and submit user profile and charging information to merchant website.
The above user learns that the mode of charge code has two kinds, and passive mode is: the charge code that user is passed over by SMS or the passive reception Third-party payment of mobile phone speech; Active mode is: Third-party payment is dealt into by Email the addresses of items of mail that user specifies, and user need log in rear acquisition.Or charge code writes in the database of an agreement by Third-party payment, user is obtained after being logged in by webpage or program.
Step 3 in above method) described in third-party payment system carry out authentication according to the request of user can also with following methods: after user signs in third-party payment system, select or insert the merchant website that wanting pays supplements with money, and inserting the amount of money needing to supplement with money; After third-party payment system checking, submit to user profile and charging information to merchant website, the registration of merchant website completing user accordingly, supplements with money and logs in.Or realize user's batch registration and log in selectively.
Merchant website is after the charging information receiving third-party payment system submission and user profile, first in the independent field of merchant website database setting, the third party ID received is searched, as found, illustrate that this user is the old user existed, then upgrade the related data of this user according to user profile and charging information; As do not found, then according to user profile and the newly-built user record of charging information.
Described third party ID specifies by User Defined or by third-party payment system, can be made up of random digit or code, also can be the cell-phone number, email etc. of user; Can not be changed by trade company and user after third party ID is recorded in and is established in merchant website database.
The charging information that described third-party payment system is committed to merchant website and the user profile prestored, comprise third party ID and recharge amount, username and password, E-mail or charge code; Third party ID, user name, password, E-mail are preset by user; User name, password, E-mail are written into the corresponding field in merchant website customer data base, and user name, if any repetition, changes to user name unique in merchant website immediately by merchant website; Third party ID is written into the independent field in merchant website database.
User after logging in, except third party ID can not be changed by trade company and user, user's capable freely changing information, and by username and password separate Login merchant website.Third party ID can be selected as the user name in commerce system by trade company.
In the database of merchant website, with the data of Third-party payment interaction, the fresh information can submitted to by Third-party payment is upgraded.Data when user upgrades for empty or for blank value time, can empty or substitute originally at the True Data of merchant website, protect the privacy of user with this.If the fresh information that Third-party payment is submitted to is recorded and tool uniqueness in third-party payment system, then user recovers as wanted, the fresh information of described submission can be utilized to recover original data.
Third-party payment is after to the micropayment request authentication of user, user profile and charging information are all kept at one independent of in the Database Systems of Third-party payment and merchant website, and processed and managing related data by described self contained data base system, commerce system carries out interaction by authorizing described self contained data base system again.
The invention has the beneficial effects as follows: user just can be completed by a code or order and register in merchant website, supplement with money and log in, in process of consumption afterwards, also only a needs code or order complete and to supplement with money in merchant website and to log in.User once submits to and multiplely supplements order with money after login third-party payment system, just can batch registration merchant website supplementing with money, complete one or more website instant, log in simultaneously.Therefore, the very high safety again of this method efficiency, simple to operately facilitates again, is particularly suitable for the consumer behavior of internet value-added service and digital product.
Accompanying drawing explanation
Fig. 1: registered by the mode of charge code, supplement with money and login process figure;
Fig. 2: register by the pay warrant of third-party payment system, supplement with money and login process figure.
Embodiment:
The present invention is the object registered in merchant website simultaneously by reaching user to the expansion of third-party payment system function, supplement with money and log in.Third-party payment system and merchant website carry out interaction, and therefore third-party payment system and merchant website carry out arranging and arranging all in advance.
First, in third-party payment system, there is a unique third party ID, can specify by User Defined or by third-party payment system, as the cell-phone number of designated user.Concerning user, also need to arrange for registering the information with identification, as user prepares the information such as user name, password, email logging in use in merchant website.For third-party payment system, in system, set the functional module of user profile and charging information, and access numerous merchant website.Like this, user can realize registration with unified user name and different passwords in merchant website.
Secondly, merchant website should access the interface of Third-party payment, and according to the agreement with the 3rd payment system, the field of a newly-increased placement third party ID in its database, and allow program to write in different fields submitting the information of coming to.Three functional modules are at least comprised: the functional module that namely functional module of reception information and written information are registered and recalls information carry out the functional module logged in merchant website.
User, when browsing trade company's page, according to operation instruction or the operation of trade company, submits the request of payment to.
Third-party payment system is according to the request of user, recharge amount is put under merchant account after authentication, the user account information prestored and charging information are submitted to trade company, user profile at least comprises above-mentioned third party ID, and charging information at least comprises recharge amount simultaneously.
Merchant website, by the agreement field of these information write customer data base, completes and automatically registers and supplement with money, and realizes logging in merchant website.
For said method, Third-party payment have submitted the information such as third party ID, user name, password, E-mail, recharge amount.These information, except third party ID and recharge amount, can access selectively during trade company's access, or process selectively after receiving.
According to above-described method, the request of user can be submit to like this: third-party payment system receives the pay warrant of user, pay warrant should comprise merchant information, payment and password, generate a charge code after Third-party payment authentication, and by the mode such as note, email, charge code is informed that user or user are initiatively learnt by other passages; User submits this charge code on merchant web page, and the merchant information that Third-party payment passes over trade company's page and charge code are verified; The backward trade company of success submits user profile and charging information to.
The request of user can also be submitted in third-party payment system inside.Its flow process is: after user signs in third-party payment system, selects or inserts and want to register the website of paying, and inserts the amount of money needing to supplement with money, after payment verification success, submits to user profile and charging information to trade company; Merchant website completes registration, supplements with money and log in.
This method can carry out a large amount of batch processings to the merchant website accessed, namely user can select it to be ready to register and the website of supplementing with money, insert recharge amount, and select to need the website that immediately logs in, once submit to, the a large amount of website of registration can be completed simultaneously and supplement with money, completing one or more website and immediately, simultaneously log in.
Third party ID described in the above method, is recorded in after merchant website is established and can not be changed by trade company and user, and user can be logged on trade company's page by the username and password passing to merchant website.This third party ID can be the phone number of user, also can be the combination of email or other characters.
Third party ID can be selected user name as trade company itself by merchant website.
The charge code that described Third-party payment generates, charge code and merchant information one_to_one corresponding, also verify the merchant information that merchant website transmits while checking charge code; Charge code and third party ID are also one to one, Third-party payment after having verified charge code and merchant information, the third party ID finding charge code corresponding, and recharge amount is committed to trade company in the lump.Merchant website distinguishes user by the third party ID submitted in agreement field, and like this, user only needs a charge code just to can be implemented in certification in merchant website, supplement with money and log in.
After third party ID is submitted to trade company, trade company establishes the field independently deposited in its database, and agreement can not be changed by trade company or user, therefore submits the third party ID come up to from Third-party payment, do not have with the attribute such as trade company original user name and conflict.System judges that user exists situation in merchant website accordingly.Idiographic flow is: merchant website is searched in the agreement field of its database according to third party ID, if this ID does not exist, then with the newly-built user record of this ID, by the capital account in recharge amount write into Databasce, by in original respective field in the write into Databasces such as user name, password, email, as user name and original repetition, then revise this user name; If this ID exists, illustrate that this non-user first time supplements with money, then recharge amount is added, and immediately log in.
The described information being passed to merchant website by payment system, including but not limited to attribute informations such as third party ID, user name, password, email, charge code, recharge amounts.Third party ID, user name, password, email are preset by user; User name, password, email etc. are written into this field of the correspondence in the customer data base of trade company, and user name is changed at once if any repeating; Third party ID to be written in database independently field.
Username and password is user-defined, preserves in third-party payment system, user can be allowed to use username and password easy to remember to log in merchant website, even if forget, also can find in third-party payment system; Even if username and password is modified in merchant website, also can be found by the mode of third party ID or email.
Described in above method, third party ID can be selected as the user name in commerce system by trade company.For the third-party payment system accessing numerous merchant website, third party ID is wherein used widely in a large amount of merchant website, thus by ID system unified for formation one.
Can find out: under the ID system that this is unified, third party ID is associated with a large amount of user profile and transaction record, these data will become very huge after operation a period of time.
The present invention is the effect by reaching the expansion of third-party payment system function, and its processing procedure is the checking of small amount payment and the submission of user data.And process a large amount of small amount payment transaction with third-party payment system, be not very economical from cost, efficiency is not high yet.Therefore can by the submission of user data and management function independent, run in cloud computing environment, related data preserved by independently Database Systems, process and is managed.
Specific implementation method is, Third-party payment is after to the micropayment request authentication of user, user profile and charging information are all kept at one independent of in the Database Systems of Third-party payment and merchant website, and processed and managing related data by this system, commerce system carries out interaction by authorizing these Database Systems again.
By this method, can support that a large amount of trade companies uses, the request supported a large amount of small amount payments, register and log in.The relative independentability of third party ID and other user profile can also be ensured, the privacy of protection user.
After user logs in merchant website first time, the content except third party ID can be revised voluntarily, as user name, password etc., its username and password easily remembered directly can be submitted to log in website at trade company's page to make user.In addition, can find out, this system also can not have influence on supplements with money user account number by other methods of payment, or other attributes of amendment user.
As mentioned above, user can register in two ways and supplement login merchant website with money.Be described further below in conjunction with accompanying drawing:
One, register, supplement with money and log in by the mode of charge code (Fig. 1):
1. after user sees required digital product on website, according to web site prompts, by the mode of website order or directly by the mode of mobile-phone payment, submit the information such as trade company's code, payment, payment cipher to Third-party payment to, authorize required debt Zhi Fuzhi merchant account;
2. third-party payment system receives the pay warrant of user, generates a charge code, and by the mode such as note, email, charge code is informed that user or user are initiatively learnt by other passages;
3. user submits to this payment code to carry out authentication to Third-party payment gateway in merchant website;
4., after pair biography charge code of coming and merchant information checking, third-party payment system puts recharge amount under merchant account; And find recharge amount and third party ID according to the corresponding relation of charge code, and other attributes of account are passed to merchant website in the lump;
5. merchant website is searched in the agreement field of its database according to third party ID, if this ID does not exist, then with the newly-built user record of this ID, by the capital account in recharge amount write into Databasce, by in original respective field in the write into Databasces such as user name, password, emai, as user name has with original weight multiple, then revise this user name; If this ID exists, illustrate that this non-user first time supplements with money, then recharge amount is added, and immediately log in;
6. user has logged in trade company's page, can consume.
The operation that the above known user does only has 2 steps: 1. send pay warrant; 2. charge code is inserted.
Two, register, supplement with money and log in by the pay warrant of third-party payment system (Fig. 2).
1. user directly logs in third-party payment system;
2. contained a large amount of trade company in third-party payment system, user only need choose or fill in the trade company accessing third-party payment system, submits payment to and confirms to pay, authorizing required debt Zhi Fuzhi merchant account;
3. third-party payment system submits recharge amount and third party ID to, and other attributes of account are passed to merchant website in the lump;
4. merchant website is searched in the agreement field of its database according to third party ID, if this ID does not exist, then with the newly-built user record of this ID, by the capital account in recharge amount write into Databasce, by in original respective field in the write into Databasces such as user name, password, emai, as user name has with original weight multiple, then revise this user name; If this ID exists, illustrate that this non-user first time supplements with money, then recharge amount is added, and immediately log in;
5. user has logged in trade company's page, can consume.
The operation that the above visual user does also only has 2 steps: 1. log in third-party payment system; 2. submit to and supplement order with money.
A most preferred embodiment of the present invention is:
1. user is when browsing merchant website and needing consumption, merchant website has prompting inform the code of this merchant website of user in third-party payment system, i.e. trade company number, if trade company number is " 100072 ".User is by the mode of SMS, by method disclosed in China Patent Publication No. CN1885964, obtain following note menu: after "/mobile payment/" beneficiary number " " payment " " payment cipher " " payment instructions " ", content of edit is as follows: "/mobile payment/" beneficiary number " 100072 " payment " 2 " payment cipher " 123456 " payment instructions " ", Third-party payment is passed in pay warrant, beneficiary number is determined as trade company number by third-party payment system, and generate and trade company's number corresponding charge code, turn back on user mobile phone,
2. user inserts this charge code in merchant website, Third-party payment judges that this charge code is whether effective, and the trade company of whether submitting to mobile phone with user of trade company that merchant website passes over number is number consistent, if, then using the cell-phone number of user as third party ID, reach trade company;
3. merchant website write third party's id information and charging information, and with the cell-phone number of user for user name logs in.
4. next time logging in of user both directly can log in by a charge code, also can log in the password of cell-phone number and setting.
The benefit of this method is, as long as in the merchant website accessing Third-party payment of the present invention, user only just can complete a micropayment request with the mobile phone of oneself, very simple and convenient.In the note returned, get charge code, input charge code just can become the user of merchant website and start consumption.Charge code just pays trade company after being verified by Third-party payment, and therefore whole payment process is very safe.Later user only need remember the password of oneself cell-phone number and agreement just can quick registration merchant website.
Another preferred embodiment of the present invention is:
User logs on third-party payment system, by the method for batch processing, is once registered as the registered user of multiple trade company in bulk and supplements with money, and logging in one or more merchant website.
A specific embodiments of the present invention is:
When the recharge amount that user submits to be zero or empty time, a realization charge code or supplement order with money and directly log in, can make user directly log in merchant website merchant website logs in password when forgetting like this.

Claims (7)

1. fast registration account the method supplemented with money and log in, is characterized in that: comprise the following steps:
1) merchant information and user profile are pre-stored in the database of third-party payment system, and wherein user profile at least comprises a third party ID unique in third-party payment system;
2) payment gateway in merchant website access third-party payment system, merchant website database arranges independent field for preserving described third party ID;
3) third-party payment system carries out authentication according to the request of user, puts recharge amount under merchant account after authentication success; Third-party payment system carries out authentication according to the request of user and specifically comprises: after user signs in third-party payment system, select or insert and want the merchant website of supplementing with money of paying, and inserts the amount of money needing to supplement with money;
4) charging information and the user profile prestored are submitted to merchant website by third-party payment system, and wherein charging information at least comprises recharge amount;
5) merchant website is after the charging information receiving third-party payment system submission and user profile, first in the independent field of merchant website database setting, the third party ID received is searched, as found, illustrate that this user is the old user existed, then upgrade the related data of this user according to user profile and charging information; As do not found, then user profile and charging information being write in the agreement field of its database, completing and automatically registering and supplement with money;
6) merchant website triggers landing program in station, realizes user's logging in merchant website.
2. fast registration account the method supplemented with money and log according to claim 1, is characterized in that: described step 3) described in third-party payment system carry out authentication according to the request of user and also comprise: user send at least comprise merchant information, payment and password pay warrant to third-party payment system; Generate one and merchant information and third party ID charge code one to one after third-party payment system authentication, user submits this charge code to after learning charge code by active or passive mode in merchant website; The merchant information that third-party payment system passes over merchant website and charge code are verified, are proved to be successful the rear third party id information corresponding according to charge code and submit user profile and charging information to merchant website.
3. according to the arbitrary described fast registration account in claim l-2 and the method supplemented with money and log in, it is characterized in that: described third party ID specifies by User Defined or by third-party payment system, can be made up of random digit or code, also can be cell-phone number or the emai l of user; Can not be changed by trade company and user after third party ID is recorded in and is established in merchant website database.
4. according to the arbitrary described fast registration account in claim l-2 and the method supplemented with money and log in, it is characterized in that: the charging information that described third-party payment system is committed to merchant website and the user profile prestored, comprise third party ID and recharge amount, what also comprise in user name, password, E mono-mai l and charge code is any one or more; Third party ID, user name, password, E mono-mai l are preset by user; User name, password, E mono-mai 1 are written into the corresponding field in merchant website customer data base, and user name, if any repetition, changes to user name unique in merchant website immediately by merchant website; Third party ID is written into the independent field in merchant website database.
5. according to the arbitrary described fast registration account of claim 1-2 and the method supplemented with money and log in, it is characterized in that: user's capable freely changing after logging in removes the information of third party ID, and by username and password separate Login merchant website, third party ID can be selected as the user name in merchant website by trade company.
6. according to the arbitrary described fast registration account in claim l-2 and the method supplemented with money and log in, it is characterized in that: in the database of merchant website, with the data of third-party payment system interaction, the fresh information that user can be submitted to by third-party payment system upgrades or empties; As described in the fresh information of submission be recorded in third-party payment system and tool uniqueness, then user also can utilize the fresh information of described submission to recover original data.
7. according to the arbitrary described fast registration account in claim l-2 and the method supplemented with money and log in, it is characterized in that: third-party payment system is after to the micropayment request authentication of user, user profile and charging information are all kept at one independent of in the Database Systems of third-party payment system and merchant website, and processed and managing related data by described self contained data base system, commerce system carries out interaction by authorizing described self contained data base system again.
CN200910054840.5A 2009-07-15 2009-07-15 Method for rapidly registering account, recharging and landing Expired - Fee Related CN101799901B (en)

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