CN103188238A - Activation method and system of payment account - Google Patents
Activation method and system of payment account Download PDFInfo
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- CN103188238A CN103188238A CN2011104571249A CN201110457124A CN103188238A CN 103188238 A CN103188238 A CN 103188238A CN 2011104571249 A CN2011104571249 A CN 2011104571249A CN 201110457124 A CN201110457124 A CN 201110457124A CN 103188238 A CN103188238 A CN 103188238A
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- 238000007726 management method Methods 0.000 claims description 9
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Abstract
The invention discloses an activation method and system of a payment account. The activation method of the payment account comprises the steps that based on operation information of a user, terminal equipment submits a binding request to a cloud server; wherein the binding request carries identification information, the payment account and authentication information of the user, bank account and codes corresponding to the payment account, and identification data of the terminal equipment; after the binding request is received, the cloud server calls a binding interface, and the binding request is submitted to a payment server; the payment server conducts authentication on the binding request, after the authentication is passed, binding relations between the payment account and the bank account, and between the identification data of the terminal equipment are built, and a binding result is returned to the cloud server; and the cloud server returns the binding result to the terminal equipment so as to complete activation of the payment account. The activation method can ensure that the payment account can be rapidly, conveniently and safety activated.
Description
Technical field
The present invention relates to pay by mails technical field, particularly a kind of Activiation method of payment accounts and system.
Background technology
At present, more and more general by behaviors such as bank pay, transfers accounts, bank is by commercial cash register (POS, Point Of Sales), Automatic Teller Machine (ATM, Auto Teller Machine) thereby or operate accordingly in the information that sales counter reads magnetic strip information, the IC-card information of bankbook or magnetic stripe card and identifies bank account, along with popularizing of telephone bank, Web bank, bank also begins to read bank account information by phone, the Internet.
By the way, the information that comprises disburser's bank account real information directly is transferred to bank.And under some situation, the client of bank, namely the disburser does not wish directly to provide real accounts information, for example worries the leakage of real accounts information; Under the other situation, provide real accounts information to make troubles to the disburser, for example the disburser can't accurately remember accounts information, does not perhaps carry bankbook or bank card etc.If can provide more to the disburser, approach makes the disburser that bank account information needn't be provided more easily, and provide an alternative information of remembering easily or being convenient to provide, then all very favourable to bank, payee and disburser.
In the prior art, the mode that provides an alternative information of remembering easily or being convenient to provide specifically to take is to set up the payment accounts corresponding with bank account, for example Alipay number of the account, Mobile banking's number of the account, (mainly being the true availability of the bank account of determining that user identity, checking are corresponding with described payment accounts) just can realize paying with this payment accounts after the user opened (activation) described payment accounts.Yet at present the form of handling for payment all needs bank counter to open payment (activation payment accounts) basically, Alipay for example, and wealth Fu Tong etc. is this form; In addition, the mobile payment of China Mobile because it has abundant outlet, is handled equally on each outlet foreground of China Mobile and can be determined user identity.But, confirm that user identity and checking bank account but exist bigger trouble, if allow the user remove bank counter, cause taking up rate (activity ratio) is too low because be afraid of to open inconvenience for possibility, and generally can not set up abundant outlet; If by bank counter or outlet user's payment accounts is not activated, is difficult to guarantee safety issue again.Therefore, how can guarantee that payment accounts convenient, excited users safely has become problem demanding prompt solution in the E-Payment field.
About the E-Payment technology, can be the Chinese patent application of CN 1758276A with reference to publication number also, this patent application discloses a kind of payoff service management system and method.
Summary of the invention
The problem to be solved in the present invention provides a kind of Activiation method and system of payment accounts, to guarantee that the user is convenient, activate payment accounts safely.
For addressing the above problem, technical solution of the present invention provides a kind of Activiation method of payment accounts, comprising:
Terminal equipment is submitted bind request based on user's operation information to Cloud Server; Wherein, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal equipment;
After receiving described bind request, described Cloud Server calls the binding interface, and described bind request is committed to paying server;
Described paying server verifies described bind request, checking by after set up binding relationship between the identity data of described payment accounts and described Bank Account Number, described terminal equipment, and return binding result to described Cloud Server;
Described Cloud Server returns described binding result to finish the activation to described payment accounts to described terminal equipment.
Optionally, the Activiation method of described payment accounts also comprises: described terminal equipment is verified described user's identity information before submitting bind request based on user's operation information to Cloud Server.
Optionally, the Activiation method of described payment accounts also comprises: after described user's identity information checking is passed through, whether have the binding information of this user and described terminal equipment by described Cloud Server inspection, described binding information comprises: this user's payment accounts is in the information of described terminal equipment or other-end equipment binding Bank Account Number or other users' the payment accounts information at described terminal equipment binding Bank Account Number.
Optionally, the Activiation method of described payment accounts also comprises: when having described binding information, carry out the operation of unbind to described user prompt.
Optionally, the operation of described unbind comprises:
Described Cloud Server receives the unbind request that described terminal equipment is submitted to;
But behind inspection and the definite unbind, described unbind request is committed to described paying server, and receives the unbind result that described paying server returns;
After receiving described unbind result, delete described binding information.
Optionally, the checking that described user's identity information is carried out comprises: verify whether described user is the registered user of described terminal equipment.
Optionally, the Activiation method of described payment accounts also comprises: whether described Cloud Server has bound Bank Account Number inspection to described payment accounts on described terminal equipment or other-end equipment after receiving described bind request.
Optionally, before described Cloud Server is submitted bind request to described paying server, also comprise the identity data of the identity information that records described user, payment accounts, described terminal equipment.
Optionally, the Activiation method of described payment accounts also comprises: described Cloud Server upgrades based on the identity data of the described user's of described binding result and record identity information, payment accounts, described terminal equipment and stores described payment accounts in the information of described terminal equipment binding Bank Account Number.
Optionally, the Activiation method of described payment accounts also comprises: the information that described bind request is carried is encrypted processing.
Optionally, in the mode of transaction management the execution result in the activation of described payment accounts is carried out mark.
Optionally, the checking that described bind request is carried out of described paying server comprises: whether the identity information of verifying described Bank Account Number and its password, described user mates.
Optionally, described payment accounts and the identity data of described terminal equipment, described Bank Account Number are corresponding one by one.
Optionally, described terminal equipment is car-mounted terminal equipment.
For addressing the above problem, technical solution of the present invention also provides a kind of activation system of payment accounts, comprising: terminal equipment, be suitable for the Cloud Server of described terminal equipment communication, be suitable for the paying server with described Cloud Server communication;
Described terminal equipment comprises the bind request commit unit, is suitable for submitting bind request based on user's operation information to described Cloud Server; Wherein, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal equipment;
Described Cloud Server comprises:
The bind request receiving element is suitable for receiving described bind request;
The bind request processing unit is suitable for calling the binding interface after receiving described bind request, described bind request is committed to described paying server, and receives the binding result that described paying server returns;
The binding result feedback unit is suitable for returning described binding result to finish the activation to described payment accounts to described terminal equipment;
Described paying server is suitable for described bind request is verified, checking by after set up binding relationship between the identity data of described payment accounts and described Bank Account Number, described terminal equipment, and return binding result to described Cloud Server.
Compared with prior art, technical solution of the present invention has the following advantages:
Submit bind request based on user's operation information to Cloud Server by terminal equipment, described bind request is carried described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, the identity data of described terminal equipment, call the binding interface by described Cloud Server, described bind request is committed to paying server to be verified, described paying server the checking by after set up described payment accounts and described Bank Account Number, binding relationship between the identity data of described terminal equipment, and return binding result to finish the activation to described payment accounts by described Cloud Server to described terminal equipment, owing to carry the identity data of certain terminal equipment of unique identification in the described bind request, described paying server can be earlier according to the subscriber identity information safety corresponding with the identity data of this terminal equipment when the described bind request of checking, confirm user identity exactly, and then finish checking to Bank Account Number and password thereof, thereby can guarantee that the user is convenient, realize the activation to payment accounts safely.
Description of drawings
Fig. 1 is the schematic flow sheet of the Activiation method of the payment accounts that provides of embodiment of the present invention;
Fig. 2 is the activation schematic diagram of the payment accounts that provides of the embodiment of the invention;
The schematic diagram that the user's of Fig. 3 identity information is verified;
Fig. 4 is the schematic diagram of removing payment accounts and Bank Account Number binding;
Fig. 5 is the structural representation of the activation system of the payment accounts that provides of the embodiment of the invention.
Embodiment
For above-mentioned purpose of the present invention, feature and advantage can more be become apparent, below in conjunction with accompanying drawing the specific embodiment of the present invention is described in detail.Set forth detail in the following description so that fully understand the present invention.But the present invention can be different from alternate manner described here and implements with multiple, and those skilled in the art can do similar popularization under the situation of intension of the present invention.Therefore the present invention is not subjected to the restriction of following public embodiment.
Fig. 1 is the schematic flow sheet of the Activiation method of the payment accounts that provides of embodiment of the present invention.As shown in Figure 1, the Activiation method of described payment accounts comprises:
Step S101, terminal equipment is submitted bind request based on user's operation information to Cloud Server; Wherein, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal equipment;
Step S102, after receiving described bind request, described Cloud Server calls the binding interface, and described bind request is committed to paying server;
Step S103, described paying server verify described bind request, checking by after set up binding relationship between the identity data of described payment accounts and described Bank Account Number, described terminal equipment, and return binding result to described Cloud Server;
Step S104, described Cloud Server returns described binding result to finish the activation to described payment accounts to described terminal equipment.
In the embodiment of the present invention, to the activation (open-minded) of payment accounts, comprise the identity of user under the payment accounts is confirmed and the Bank Account Number corresponding with described payment accounts and password thereof are verified; Specifically submitted to Cloud Server by terminal equipment and carry user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, the bind request of the identity data of terminal equipment, described Cloud Server submits to paying server to verify (affirmation user identity, checking Bank Account Number and password thereof), at user identification confirmation, after Bank Account Number and password authentification thereof are passed through, by setting up payment accounts and described Bank Account Number, binding relationship between the identity data of the terminal equipment that startup activates, and return binding result, namely realize the activation to payment accounts.
Elaborate with the Activiation method of specific embodiment to above-mentioned payment accounts below.
In the present embodiment, described terminal equipment is specially car-mounted terminal equipment, and in other embodiments, described terminal equipment also can be mobile phone, PC etc.Nowadays, the automobile industry development is rapid, and the quantity of automobile is more and more.People are when having automobile, also can more and more pay close attention to the experience when using automobile, car-mounted terminal equipment on the automobile can realize comprising the service of multimedia demands such as music, video, picture, and the service of driving demands such as traffic navigation, real-time road condition information etc.Along with the continuous increase of user's request, directly by the payment of doing shopping of the car-mounted terminal equipment on the automobile, will become a kind of trend gradually.The user just can carry out purchase and consumption by described car-mounted terminal equipment after the described car-mounted terminal equipment of vehicle login is finished activation to described payment accounts, and with described payment accounts safety, realize payment easily.
Fig. 2 is the payment accounts activation schematic diagram that the embodiment of the invention provides.In conjunction with Fig. 1 and Fig. 2, execution in step S101 at first, terminal equipment is submitted bind request based on user's operation information to Cloud Server; Wherein, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal equipment.
If the user need activate the payment accounts that it has, can just can start the process of activation by described terminal equipment, namely start the binding of payment accounts and Bank Account Number at this terminal equipment.During concrete enforcement, after the user logins terminal equipment, can start in the operation interface of activation one, by importing a series of information, the relevant information that comprises the Bank Account Number of user identity relevant information and this user's payment accounts and desire and described payment accounts binding, click after input finishes and confirm, above-mentioned information is submitted to as described user's operation information, after terminal equipment obtains described user's operation information, identity data in conjunction with this terminal equipment generates described bind request again, is committed to Cloud Server and handles.
In the present embodiment, described user's operation information specifically comprises: described user's identity information, payment accounts and authorization information, Bank Account Number and the password thereof corresponding with described payment accounts.Wherein, described user's identity information can comprise user account and the login password of the operating system of logining terminal equipment, can also comprise this user's information such as name, identification card number, address; Described authorization information specifically comprises the consumption password of described payment accounts, and described consumption password is that the user confirms the voucher paid, is that the user realized needing one of key message of verifying in the payment process with described payment accounts after described payment accounts was activated; The identity data of described terminal equipment specifically comprises the device number of terminal equipment, this device number can unique identification one station terminal equipment, device number based on terminal equipment in the subsequent step can inquire the subscriber identity information that be used for comparison corresponding with it, thereby the user's that carries in the described bind request identity information can be compared with the subscriber identity information that inquires, pass through the back realization to the affirmation of user identity in comparison, in addition, can also submit on the terminal equipment of described bind request whether bound Bank Account Number to according to the device number inspection of terminal equipment, in other embodiments, the identity data of described terminal equipment can also comprise the title of this terminal equipment, information such as model.
Need to prove, described payment accounts can to login the user account of terminal equipment identical with the user, also can be different with it, consider the convenience that payment accounts activates, in the present embodiment user is logined the user account (user name of terminal equipment, for example be user's email address) as described payment accounts, described consumption password then is different from the login password that the user logins terminal equipment, as previously mentioned, described consumption password is that the user confirms the voucher paid, and described login password then is the voucher that the user enters the operating system of car-mounted terminal equipment.
In the present embodiment, even logined terminal equipment before the user, in order to ensure the fail safe that activates payment accounts, before starting activation manipulation, still be necessary user's identity information is verified again, namely before terminal equipment described in the step S101 is submitted bind request based on user's operation information to Cloud Server, also described user's identity information is verified.Fig. 3 is the schematic diagram that user's identity information is verified, the process that user's identity information is verified as shown in Figure 3, the user is with user name, password login terminal equipment, terminal equipment is sent to Cloud Server with described user name, password and verifies (also can verify in terminal equipment this locality among other embodiment), whether Cloud Server conforms to by high in the clouds database authentication username and password, whether this user is the registered user of this terminal equipment, and the return results of high in the clouds database is sent to described terminal equipment.Wherein, so-called cloud has the data center (data center) that the super computer of high operational capability is formed by many portions, handles and enter high in the clouds, and what refer to is exactly that these super computers in the connection are helped user's deal with data by them through network.Need to prove, checking user's identity information, except verifying that foregoing user logins the user account and login password of operating system of terminal equipment, comprise also whether this user of checking is the registered user of this terminal equipment, therefore, in the present embodiment, the checking that described user's identity information is carried out comprises whether the described user of checking is the registered user of described car-mounted terminal equipment, if checking is the registered user of car-mounted terminal equipment by then showing described user, the car owner of this car-mounted terminal equipment place vehicle of the general concrete finger of the registered user of described car-mounted terminal equipment, certainly, in other embodiments, described registered user also can be other users that the car owner authorizes, for example household of this car owner etc.
As previously mentioned, the process that user's payment accounts is activated is included in the binding relationship of setting up payment accounts and Bank Account Number on user's the terminal equipment, namely sets up user's payment accounts and the identity data of described terminal equipment, the corresponding relation between the Bank Account Number.In the present embodiment, in order to ensure the fail safe to the activation manipulation of payment accounts, described user's payment accounts and the identity data of described terminal equipment, Bank Account Number is one to one, namely a payment accounts can only be corresponding to the enterprising line activating operation of a station terminal equipment, this payment accounts is only corresponding Bank Account Number also, that is to say, if the user binds certain Bank Account Number with its payment accounts on this terminal equipment, except not repeating to bind this Bank Account Number, this user can't bind other Bank Account Numbers again on this terminal equipment, if other users (for example preceding registered user of this terminal equipment) have bound payment accounts certain Bank Account Number on this terminal equipment, then this user also can't carry out bindings, in a word, if there has been the information of payment accounts and Bank Account Number binding on the described terminal equipment, then need existing binding relationship is removed, could set up new binding relationship.Hence one can see that, and in the present embodiment, the purpose of carrying out the operation of unbind is for the operation that can bind, so the operation of unbind also belongs to the part in the payment accounts activation.So, between the identity data of described user's payment accounts, described terminal equipment, the Bank Account Number one to one relation can effectively guarantee the fail safe of activation manipulation.Certainly, in other embodiments, the identity data that payment accounts can corresponding a plurality of terminal equipments also can corresponding a plurality of Bank Account Numbers.
Therefore, in the present embodiment, the Activiation method of described payment accounts also comprises: after described user's identity information checking is passed through, whether have the binding information of this user and described terminal equipment by described Cloud Server inspection, described binding information comprises: this user's payment accounts is in the information of described terminal equipment or other-end equipment binding Bank Account Number or other users' the payment accounts information at described terminal equipment binding Bank Account Number.Particularly, terminal equipment can be by sending binding information inspection request to Cloud Server, Cloud Server is based on the device number of the terminal equipment that carries in the described binding information inspection request and user's identity information, check the binding information that whether has this user and described terminal equipment, and the result that will check feeds back to described terminal equipment.In other embodiments, whether also can can't help described Cloud Server inspection exists the binding information of this user and described terminal equipment, described binding information also can be stored in described terminal equipment, after the identity information checking for the treatment of described user is passed through, whether there is the binding information of this user and described terminal equipment by described terminal equipment inspection.
Need to prove, described binding information only shows whether user's payment accounts has existed the information of binding relationship, or whether there has been the information of binding relationship on the described terminal equipment, and do not refer to the information that payment accounts and concrete which Bank Account Number are bound, namely the detailed corresponding relation between payment accounts and the Bank Account Number is not binding information described in the present embodiment.
When checking out that when having described binding information, described terminal equipment can also carry out the operation of unbind to described user prompt.For example, there is described binding information when Cloud Server checks out, then this check result is back to terminal equipment, terminal equipment ejects the prompting interface based on this check result, whether request automatically terminates binding, if the user confirms unbind, then carries out the operation of unbind.Operation about unbind can be with reference to figure 4, and Fig. 4 is the schematic diagram of removing payment accounts and Bank Account Number binding.In the present embodiment, the operation of described unbind can comprise:
Described Cloud Server receives the unbind request that described terminal equipment is submitted to;
But behind inspection and the definite unbind, described unbind request is committed to described paying server, and receives the unbind result that described paying server returns;
After receiving described unbind result, delete described binding information.
As shown in Figure 4, be similar to the operation of binding, before terminal equipment is submitted the unbind request to Cloud Server, can verify earlier user's identity information equally, checking submits to described unbind request to described Cloud Server by the back, but whether described Cloud Server after checking unbind, described unbind request is committed to paying server carries out unbind, if successful unbind, then receive the unbind result that described paying server returns, delete described binding information afterwards, and return described unbind result to finish the operation of unbind to described terminal equipment.
In the present embodiment, the Activiation method of described payment accounts comprises that also the information that described bind request is carried is encrypted processing.Specifically be by at described car-mounted terminal equipment relevant encryption control and/or digital certificate being set, thereby can guarantee the information safety of transmission.
After terminal equipment is submitted bind request to Cloud Server, execution in step S102, after receiving described bind request, described Cloud Server calls the binding interface, and described bind request is committed to paying server.
In the present embodiment, Cloud Server can also be after receiving described bind request, check whether the described payment accounts of carrying in this bind request has bound Bank Account Number on described terminal equipment or other-end equipment, bind Bank Account Number if check out, then can end the processing to described bind request, and notify this payment accounts to bind Bank Account Number to terminal equipment, if check out and do not bind Bank Account Number, then described bind request is handled.
Need to prove, as previously mentioned, terminal equipment is before submitting described bind request to, also can check the binding information that whether has user and described terminal equipment, having bound Bank Account Number or other users on this terminal equipment or the other-end equipment after having bound Bank Account Number on this terminal equipment, also point out the user to carry out the operation of unbind in the payment accounts that checks out described user; With described terminal equipment checks that binding information (terminal equipment also can check binding information by Cloud Server) distinguishes to some extent be, described Cloud Server inspection be whether the payment accounts of carrying in the described bind request has bound Bank Account Number on described terminal equipment or other-end equipment, though terminal equipment and Cloud Server all are to check binding information, but the purpose that checks is slightly different, and, when the result who checks when both is inconsistent, be as the criterion with the result of Cloud Server inspection.
In the present embodiment, before described Cloud Server is submitted bind request to described paying server, also can record described user's identity information, payment accounts, the identity data of described terminal equipment.The purpose that records these information is in subsequent step, when paying server passes through described bind request checking, after returning binding result to Cloud Server, described Cloud Server can and be stored the relevant binding information of described payment accounts based on these information updatings of the described binding result that receives and record.
After Cloud Server is committed to paying server with described bind request, execution in step S103, described paying server is verified described bind request, checking by after set up binding relationship between the identity data of described payment accounts and described Bank Account Number, described terminal equipment, and return binding result to described Cloud Server.
Particularly, the checking that described bind request is carried out of described paying server comprises: whether the identity information of verifying described Bank Account Number and its password, described user mates.On the one hand, because the user is (general car-mounted terminal equipment and vehicle bundle sale when buying described terminal equipment, just bought car-mounted terminal equipment when purchasing car simultaneously), can register the relevant information (name of this user identity, information such as identification card number), the user logins information such as the user account of operating system of terminal equipment and login password, these information all can be stored in the database of high in the clouds, described Cloud Server can be transferred all users' that buy terminal equipments register information and the identity data of described terminal equipment from described high in the clouds database, and it is committed to the activation of described paying server number of the account so that it is paid and the checking when paying with this payment accounts is handled.Therefore, store the identity data of all terminal equipments, the user's corresponding with each terminal equipment register information (comprising information such as the user account of the relevant information of user identity, operating system that the user logins terminal equipment and login password) at described paying server.Since the identity data of terminal equipment can the unique identification correspondence terminal equipment, obtain the register information of respective user thus, so after described paying server receives described bind request, just can inquire the user's of this terminal equipment correspondence register information according to the identity data of the terminal equipment that carries in the described bind request, the user's that the identity information of user in the described bind request is corresponding with this terminal equipment of inquiry acquisition register information is compared, if coupling then can be finished the affirmation to user identity fully.On the other hand, described paying server also has communication contact with the bank server of bank of at least one family, the Bank Account Number corresponding with described payment accounts and the password thereof that carries in the described bind request can be committed to the bank server corresponding with described Bank Account Number, by described bank server whether Bank Account Number and password thereof are mated and to verify, when the checking by after return the checking result, described paying server then can be finished the checking to described Bank Account Number and password thereof after receiving the checking result that bank server returns.
Need to prove that in the present embodiment, described paying server and at least one bank server carry out communication, can adapt to the demand of Bank Account Number of the corresponding different bank of payment accounts of different user.In other embodiments, described paying server also can be bank server, and at this moment, described paying server self just can be realized the checking to described Bank Account Number and password thereof.
Described paying server is in the identity of confirming the user, after verifying the Bank Account Number and password thereof corresponding with payment accounts, just finished the checking to described bind request, after described bind request checking is passed through, set up the binding relationship between the identity data of described payment accounts and described Bank Account Number, described terminal equipment, and return binding result to described Cloud Server.The authorization information of the payment accounts correspondence of carrying in described binding relationship and the described bind request is stored in described paying server, so that subsequent user is verified processing when paying with described payment accounts.Comprise the result that checking is passed through and the Bank Account Number of binding in the binding result that described paying server returns.
After described Cloud Server receives the binding result that described paying server returns, can and submit to the identity data of the described user's who records before the described bind request identity information, payment accounts, described terminal equipment to upgrade and store described payment accounts in the information of described terminal equipment binding Bank Account Number based on described binding result.Need to prove that the Bank Account Number of having bound that comprises in the described binding result also is the information through encrypting, Cloud Server can not be known the details of the Bank Account Number of payment accounts binding, can guarantee the fail safe of user's Bank Account Number like this.
Execution in step S104, described Cloud Server returns described binding result to finish the activation to described payment accounts to described terminal equipment.
In the present embodiment, the Activiation method of described payment accounts also comprises: the mode with transaction management is carried out mark to the execution result in the activation of described payment accounts.In the activation process of whole payment accounts, the step that has a plurality of checkings or inspection, each step can produce the result of success or failure, in the mode of transaction management the execution result in the activation of payment accounts being carried out mark is exactly that the result queue that each step is carried out is " success " or " failure ", transaction status is labeled as " finishing " or " not finishing ", for instance, consult Fig. 2, Cloud Server is after receiving described bind request, just start affairs, after this operation of carrying out as previously described, until receiving the binding result that paying server returns, binding information warehouse-in, record traffic flowing water, end transaction, each step in the whole flow of transactions can be carried out mark with " success " or " failure "; Similarly, consult Fig. 4, Cloud Server is after receiving described unbind request, the same affairs that start, the operation of carrying out after this as previously described, until receiving the unbind result that paying server returns, the deletion binding information, record traffic flowing water, end transaction, each step in the whole flow of transactions also can be carried out mark with " success " or " failure ".So, can know and understand current state of living in the activation, also be convenient to relevant operation personnel activation is managed and controls.
Need to prove, in whole activation, from starting activation manipulation, finish until activation manipulation, the identity data of described terminal equipment plays crucial effects, because its unique identification one station terminal equipment, associated user's activation manipulation can only be realized by the terminal equipment of appointment, on other-end equipment, then be difficult to finish activation, and paying server is when verifying described bind request, also need obtain the corresponding subscriber identity information that is used for comparison based on the identity data of terminal equipment to confirm user's identity, guarantee the fail safe of activation manipulation thus; The user just can finish activation to payment accounts by terminal equipment, does not need bank counter or outlet, has guaranteed the convenience of activation manipulation thus.
Based on the Activiation method of above-mentioned payment accounts, present embodiment also provides a kind of activation system of payment accounts.Fig. 5 is the structural representation of the activation system of the payment accounts that provides of present embodiment.As shown in Figure 5, the activation system of described payment accounts comprises: terminal equipment 10, be suitable for the Cloud Server 20 of described terminal equipment 10 communications, be suitable for the paying server 30 with described Cloud Server 20 communications;
Described terminal equipment 10 comprises bind request commit unit 101, is suitable for submitting bind request based on user's operation information to described Cloud Server 20; Wherein, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal equipment 10;
Described Cloud Server 20 comprises:
Bind request receiving element 201 is suitable for receiving described bind request;
Bind request processing unit 202, link to each other with described bind request receiving element 201, be suitable for after receiving described bind request, calling the binding interface, described bind request is committed to described paying server 30, and receives the binding result that described paying server 30 returns;
Binding result feedback unit 203 links to each other with described bind request processing unit 202, is suitable for returning described binding result to finish the activation to described payment accounts to described terminal equipment 10;
Described paying server 30 is suitable for described bind request is verified, checking by after set up binding relationship between the identity data of described payment accounts and described Bank Account Number, described terminal equipment 10, and return binding result to described Cloud Server 20.During concrete enforcement, the checking that 30 pairs of described bind request of described paying server are carried out comprises: whether the identity information of verifying described Bank Account Number and its password, described user mates.
In the present embodiment, described terminal equipment is car-mounted terminal equipment, and described payment accounts is corresponding one by one with identity data, the Bank Account Number of described terminal equipment.
In the present embodiment, described terminal equipment 10 also comprises identity information authentication unit 102, link to each other with described bind request processing unit 101, be suitable for before described bind request processing unit 101 is submitted bind request based on user's operation information to Cloud Server 20, described user's identity information being verified.
Described Cloud Server 20 also comprises the first binding checking unit (not shown), be suitable for after described user's identity information checking is passed through, check the binding information whether have this user and described terminal equipment 10, described binding information comprises: this user's payment accounts is in the information of described terminal equipment 10 or other-end equipment binding Bank Account Number or other users' the payment accounts information at described terminal equipment 10 binding Bank Account Numbers.Wherein, the checking of described user's identity information is by comprising: verify out that described user is the registered user of described terminal equipment 10.
Described terminal equipment 10 also comprises unbind Tip element (not shown), is suitable for when having described binding information, carries out the operation of unbind to described user prompt.Particularly, the described first binding checking unit check out have described binding information after, this check result is returned terminal equipment 10, described unbind Tip element carries out the operation of unbind to described user prompt based on this check result, if the user confirms unbind, then can submit the unbind request to described Cloud Server 20 by terminal equipment 10.Described Cloud Server 20 also comprises: unbind request receiving element 201 ' is suitable for receiving the unbind request that described terminal equipment 10 is submitted to; Unbind requesting processing 202 ', link to each other with described unbind request receiving element 201 ', but after being suitable for inspection and determining unbind, described unbind request is committed to described paying server 30, and receives the unbind result that described paying server 30 returns; Division result feedback unit 203 ' is separated in binding, links to each other with described unbind requesting processing 202 ', is suitable for returning described unbind result to described terminal equipment 10; Binding information delete cells 206 ' links to each other with described unbind requesting processing 202 ', is suitable for deleting described binding information after receiving described unbind result.
In the present embodiment, described Cloud Server 20 also comprises the second binding checking unit 204, link to each other with described bind request receiving element 201, be suitable for after receiving described bind request, whether described payment accounts has been bound Bank Account Number inspection on described terminal equipment 10 or other-end equipment.Described Cloud Server 20 also comprises record cell 205, link to each other with described bind request processing unit 202, be suitable for before described bind request processing unit 202 is submitted bind request to described paying server 30, record described user's identity information, payment accounts, the identity data of described terminal equipment 10.Described Cloud Server 20 also comprises updated stored unit 206, link to each other with described bind request processing unit 202, record cell 205, the identity data that is suitable for identity information, payment accounts, described terminal equipment 10 based on the described user of described binding result and record upgrades and stores described payment accounts in the information of described terminal equipment 10 binding Bank Account Numbers.
In the present embodiment, described terminal equipment 10 also comprises ciphering unit 103, links to each other with described bind request commit unit 101, is suitable for the information that described bind request is carried is encrypted processing.
In addition, described Cloud Server 20 also comprises transaction management unit (not shown), is suitable in the mode of transaction management the execution result in the activation of described payment accounts being carried out mark.
The concrete enforcement of the activation system of the described payment accounts of present embodiment also can not repeat them here with reference to the enforcement of the Activiation method of described payment accounts.
To sum up, the Activiation method of the payment accounts that embodiment of the present invention provides and system have following beneficial effect at least:
Submit bind request based on user's operation information to Cloud Server by terminal equipment, described bind request is carried described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, the identity data of described terminal equipment, call the binding interface by described Cloud Server, described bind request is committed to paying server to be verified, described paying server the checking by after set up described payment accounts and described Bank Account Number, binding relationship between the identity data of described terminal equipment, and return binding result to finish the activation to described payment accounts by described Cloud Server to described terminal equipment, owing to carry the identity data of certain terminal equipment of unique identification in the described bind request, described paying server can be earlier according to the subscriber identity information safety corresponding with the identity data of this terminal equipment when the described bind request of checking, confirm user identity exactly, and then finish checking to Bank Account Number and password thereof, thereby can guarantee that the user is convenient, realize the activation to payment accounts safely.
Though the present invention with preferred embodiment openly as above; but it is not to limit the present invention; any those skilled in the art without departing from the spirit and scope of the present invention; can utilize method and the technology contents of above-mentioned announcement that technical solution of the present invention is made possible change and modification; therefore; every content that does not break away from technical solution of the present invention; to any simple modification, equivalent variations and modification that above embodiment does, all belong to the protection range of technical solution of the present invention according to technical spirit of the present invention.
Claims (28)
1. the Activiation method of a payment accounts is characterized in that, comprising:
Terminal equipment is submitted bind request based on user's operation information to Cloud Server; Wherein, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal equipment;
After receiving described bind request, described Cloud Server calls the binding interface, and described bind request is committed to paying server;
Described paying server verifies described bind request, checking by after set up binding relationship between the identity data of described payment accounts and described Bank Account Number, described terminal equipment, and return binding result to described Cloud Server;
Described Cloud Server returns described binding result to finish the activation to described payment accounts to described terminal equipment.
2. the Activiation method of payment accounts according to claim 1 is characterized in that, also comprises: described terminal equipment is verified described user's identity information before submitting bind request based on user's operation information to Cloud Server.
3. the Activiation method of payment accounts according to claim 2, it is characterized in that, also comprise: after described user's identity information checking is passed through, whether have the binding information of this user and described terminal equipment by described Cloud Server inspection, described binding information comprises: this user's payment accounts is in the information of described terminal equipment or other-end equipment binding Bank Account Number or other users' the payment accounts information at described terminal equipment binding Bank Account Number.
4. the Activiation method of payment accounts according to claim 3 is characterized in that, when having described binding information, also comprises operation from unbind to described user prompt that carry out.
5. the Activiation method of payment accounts according to claim 4 is characterized in that, the operation of described unbind comprises:
Described Cloud Server receives the unbind request that described terminal equipment is submitted to;
But behind inspection and the definite unbind, described unbind request is committed to described paying server, and receives the unbind result that described paying server returns;
After receiving described unbind result, delete described binding information.
6. the Activiation method of payment accounts according to claim 2 is characterized in that, the checking that described user's identity information is carried out comprises: verify whether described user is the registered user of described terminal equipment.
7. the Activiation method of payment accounts according to claim 1, it is characterized in that, also comprise: whether described Cloud Server has bound Bank Account Number inspection to described payment accounts on described terminal equipment or other-end equipment after receiving described bind request.
8. the Activiation method of payment accounts according to claim 1 is characterized in that, before described Cloud Server is submitted bind request to described paying server, also comprises the identity data of the identity information that records described user, payment accounts, described terminal equipment.
9. the Activiation method of payment accounts according to claim 8, it is characterized in that, also comprise: described Cloud Server upgrades based on the identity data of the described user's of described binding result and record identity information, payment accounts, described terminal equipment and stores described payment accounts in the information of described terminal equipment binding Bank Account Number.
10. the Activiation method of payment accounts according to claim 1 is characterized in that, comprises that also the information that described bind request is carried is encrypted processing.
11. the Activiation method of payment accounts according to claim 1 is characterized in that, in the mode of transaction management the execution result in the activation of described payment accounts is carried out mark.
12. the Activiation method of payment accounts according to claim 1 is characterized in that, the checking that described paying server carries out described bind request comprises: whether the identity information of verifying described Bank Account Number and its password, described user mates.
13. the Activiation method of payment accounts according to claim 1 is characterized in that, described payment accounts and the identity data of described terminal equipment, described Bank Account Number are corresponding one by one.
14. the Activiation method of payment accounts according to claim 1 is characterized in that, described terminal equipment is car-mounted terminal equipment.
15. the activation system of a payment accounts is characterized in that, comprising: terminal equipment, be suitable for the Cloud Server of described terminal equipment communication, be suitable for the paying server with described Cloud Server communication;
Described terminal equipment comprises the bind request commit unit, is suitable for submitting bind request based on user's operation information to described Cloud Server; Wherein, described bind request is carried the identity data of described user's identity information, payment accounts and authorization information, the Bank Account Number corresponding with described payment accounts and password thereof, described terminal equipment;
Described Cloud Server comprises:
The bind request receiving element is suitable for receiving described bind request;
The bind request processing unit is suitable for calling the binding interface after receiving described bind request, described bind request is committed to described paying server, and receives the binding result that described paying server returns;
The binding result feedback unit is suitable for returning described binding result to finish the activation to described payment accounts to described terminal equipment;
Described paying server is suitable for described bind request is verified, checking by after set up binding relationship between the identity data of described payment accounts and described Bank Account Number, described terminal equipment, and return binding result to described Cloud Server.
16. the activation system of payment accounts according to claim 15, it is characterized in that, described terminal equipment also comprises the identity information authentication unit, be suitable for before described bind request processing unit is submitted bind request based on user's operation information to Cloud Server, described user's identity information being verified.
17. the activation system of payment accounts according to claim 16, it is characterized in that, described Cloud Server also comprises the first binding checking unit, be suitable for after described user's identity information checking is passed through, check the binding information whether have this user and described terminal equipment, described binding information comprises: this user's payment accounts is in the information of described terminal equipment or other-end equipment binding Bank Account Number or other users' the payment accounts information at described terminal equipment binding Bank Account Number.
18. the activation system of payment accounts according to claim 17 is characterized in that, described terminal equipment also comprises the unbind Tip element, is suitable for when having described binding information, carries out the operation of unbind to described user prompt.
19. the activation system of payment accounts according to claim 18 is characterized in that, described Cloud Server also comprises:
Unbind request receiving element is suitable for receiving the unbind request that described terminal equipment is submitted to;
The unbind requesting processing, but after being suitable for inspection and determining unbind, described unbind request is committed to described paying server, and receives the unbind result that described paying server returns;
The division result feedback unit is separated in binding, is suitable for returning described unbind result to described terminal equipment;
The binding information delete cells is suitable for deleting described binding information after receiving described unbind result.
20. the activation system of payment accounts according to claim 16 is characterized in that, described identity information authentication unit comprises the checking that described user's identity information carries out: verify whether described user is the registered user of described terminal equipment.
21. the activation system of payment accounts according to claim 15, it is characterized in that, described Cloud Server also comprises the second binding checking unit, be suitable for after receiving described bind request, whether described payment accounts has been bound Bank Account Number inspection on described terminal equipment or other-end equipment.
22. the activation system of payment accounts according to claim 15, it is characterized in that, described Cloud Server also comprises record cell, is suitable for before submitting bind request to described paying server, records described user's identity information, payment accounts, the identity data of described terminal equipment.
23. the activation system of payment accounts according to claim 22, it is characterized in that, described Cloud Server also comprises the updated stored unit, and the identity data that is suitable for identity information, the payment accounts based on the described user of described binding result and record, described terminal equipment upgrades and stores described payment accounts in the information of described terminal equipment binding Bank Account Number.
24. the activation system of payment accounts according to claim 15 is characterized in that, described terminal equipment also comprises ciphering unit, is suitable for the information that described bind request is carried is encrypted processing.
25. the activation system of payment accounts according to claim 15 is characterized in that, described Cloud Server also comprises the transaction management unit, is suitable in the mode of transaction management the execution result in the activation of described payment accounts being carried out mark.
26. the activation system of payment accounts according to claim 15 is characterized in that, the checking that described paying server carries out described bind request comprises: whether the identity information of verifying described Bank Account Number and its password, described user mates.
27. the activation system of payment accounts according to claim 15 is characterized in that, described payment accounts is corresponding one by one with identity data, the Bank Account Number of described terminal equipment.
28. the activation system of payment accounts according to claim 15 is characterized in that, described terminal equipment is car-mounted terminal equipment.
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Address after: Room 3701, No. 866 East Changzhi Road, Hongkou District, Shanghai, 200080 Patentee after: Botai vehicle networking technology (Shanghai) Co.,Ltd. Country or region after: China Address before: 201815 208, building 4, No. 1411, Yecheng Road, Jiading Industrial Zone, Jiading District, Shanghai Patentee before: Botai vehicle networking technology (Shanghai) Co.,Ltd. Country or region before: China |