Summary of the invention
The technical issues that need to address of the present invention are to provide the lower and electronic payment platform that payment process security performance is higher of a kind of payment cost.
For solving the problems of the technologies described above, the technical solution used in the present invention is as follows.
Based on a collocation method for the electronic payment platform of fund, described electronic payment platform adopts fund carry out fund trustship and realize electronic payment function, and described collocation method specifically comprises the following steps:
A) carry on technical development by access API specification at e-commerce website, access fund electronic payment platform;
B) after e-commerce website access platform, before payment, produce pay invoice data, and submit pay invoice data to by access API;
C) to pay invoice data analysis, judge whether the user of pay invoice data binds fund; As bound fund, carry out step e); As do not bound fund, then carry out step D);
D) enter fund to open an account flow process, formed and open an account instruction and be submitted to fund docking API;
E) fund electronic payment platform receives data and carries out logical process, calls fund access logic and payment instruction data are sent to fund through fund docking API; Fund carries out payment logical process again, completes payment, and returns results.
Step B of the present invention) in e-commerce website press PKI technology submission pay invoice data to fund electronic payment platform, namely by the mode of public key encryption and signature, order data is processed.
Step D of the present invention) adopt following steps to realize:
D1) e-commerce website submits to user to open an account data to fund electronic payment platform with PKI technology, namely processes order data by the mode of public key encryption and signature; User's data of opening an account at least will comprise: Customs Assigned Number, name, cell-phone number, certificate number, binding bank card number;
D2), after fund electronic payment platform receives data, be also decrypted and sign test with PKI technical manual;
D3) after sign test, fund electronic payment platform possesses the pseudo-ID of unique trait for this user data genaration one of opening an account, and user's data of opening an account are submitted to fund together with pseudo-ID, and fund carries out process of opening an account;
D4), after fund is disposed, is formed and open an account instruction and be submitted to fund docking API; Meanwhile, the analysis of fund electronic payment platform is opened an account result: if open an account successfully, then pseudo-ID and user data of opening an account are write this locality, the mapping relations both simultaneously storing, and return results; If open an account unsuccessfully, then directly return results to e-commerce website.
Step e of the present invention) adopt following steps to realize:
E1) fund electronic payment platform is analyzed order data, extracts pay invoice data wherein and user data;
E2) fund electronic payment platform is analyzed user data, the fund account ID that judgement user is wherein corresponding;
E3) fund electronic payment platform is to storage pay invoice data, and the pay status of pay invoice data acquiescence is set to state in process;
E4) fund electronic payment platform forms pay invoice data the payment instruction data of fund, submits to the payment instruction data of fund to fund docking API;
E5) fund electronic payment platform according to safety standard step e 4) the payment instruction data that formed carry out safe handling again, and adopt Post mode to submit to fund;
E6) after fund electronic payment platform submits fund to payment instruction data, the synchronous result waiting for fund; After the result of fund returns, fund electronic payment platform is analyzed the result returned, and analyzes fund and whether processes this payment instruction;
E7), after fund electronic payment platform analysis result, pay status is updated to and plans in forms data;
E8) fund electronic payment platform returns to e-commerce website payment result.
A kind of inking device of the electronic payment platform based on fund, comprise e-commerce website, fund electronic payment platform and fund module, described fund electronic payment platform comprises access API module, platform logic module and fund access logic module, and fund module is communicated with fund electronic payment platform by built-in fund docking API module; Described access API module is web interface, adopts JSON data layout to carry out transmission interface data; Platform logic module adopts DLL formatted file, comprises message process unit, service logic unit, data access unit, journal processing unit; Fund access logic module adopts DLL formatted file, is responsible for the data communication between electronic payment platform and fund and security control; Fund module is for providing the fund system of API, and fund docking API module provides api interface by fund, at least comprises api interface of opening an account, share is transferred the possession of api interface, supplemented api interface, enchashment api interface with money.
The improvement of described inking device is: described fund electronic payment platform also comprises reconciliation module, carries out reconciliation for timing with fund; Described reconciliation module comprises task scheduling unit, reconciliation logical block, data access unit, journal processing unit.
Owing to have employed above technical scheme, the invention technological progress is as follows.
Application of the present invention can reduce disbursement from fund cost, brings great competitive power to payment platform; Fund has the characteristic of appreciation, except paying, can also produce extra returns to user; Fund is very safe, does not relate to bank card in payment process, just does fund share transfer; Fund easily provides customizedization interface, can realize more characteristic to payment platform.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention is further elaborated.
Based on a collocation method for the electronic payment platform of fund, described electronic payment platform adopts fund carry out fund trustship and realize electronic payment function, shown in process flow diagram Fig. 1 of described collocation method, specifically comprises the following steps:
A) carry on technical development by access API specification at e-commerce website, access fund electronic payment platform.How wherein access in API specification to describe in detail allows e-commerce website access fund electronic payment platform.
B) after e-commerce website access platform, before payment, produce pay invoice data, and submit pay invoice data to by access API; E-commerce website is pressed PKI technical manual and is submitted to pay invoice data to fund electronic payment platform, namely processes order data by the mode of public key encryption and signature.
After fund electronic payment platform receives pay invoice data, be also decrypted and sign test with PKI technical manual; After data sign test, fund electronic payment platform reply data do further verification process, and if order data is with or without repetition, data are with or without lacking content etc.
C) to pay invoice data analysis, and check that whether data are complete.Under the prerequisite of data integrity, pull out pay invoice data wherein and user data, check pay invoice data and user data further.Pay invoice data will check: whether payment repeats, whether payment exceedes amount etc.; User data will check: whether cell-phone number, certificate number meet rule etc.
Then according to the Customs Assigned Number in user data, search local data further, see the fund account ID that Customs Assigned Number whether can be found corresponding, namely judge whether the user of pay invoice data bound fund; As bound fund, carried out step e) carry out disbursement from fund; As do not bound fund, then carried out step D) carry out fund and open an account.
D) enter fund to open an account flow process, formed and open an account instruction and be submitted to fund docking API.The process flow diagram of this step as shown in Figure 2, specifically comprises following content:
D1) e-commerce website submits to user to open an account data to fund electronic payment platform with PKI technical manual, namely processes order data by the mode of public key encryption and signature; User's data of opening an account at least will comprise: Customs Assigned Number, name, cell-phone number, certificate number, binding bank card number etc.
D2) fund electronic payment platform receives user and opens an account after data, verifies, check its data validation to user's data of opening an account; As data are legal, then carry out the inspection of integrality again.In checking checking process, the same PKI technical manual that adopts is decrypted and sign test.
D3) after sign test, fund electronic payment platform possesses the pseudo-ID of unique trait for this user data genaration one of opening an account, and user's data of opening an account are submitted to fund together with pseudo-ID, and fund carries out process of opening an account.
The effect of pseudo-ID is: this pseudo-ID can as fund account ID after opening an account, after the request of all e-commerce website, the Customs Assigned Number that payment platform all can pass according to it finds corresponding fund account ID, and carries out transaction processing with this fund account ID.
D4), after fund is disposed, is formed and open an account instruction and be submitted to fund docking API; Meanwhile, the analysis of fund electronic payment platform is opened an account result: if open an account successfully, then pseudo-ID and user data of opening an account are write this locality, the mapping relations both simultaneously storing, and return results; If open an account unsuccessfully, then directly return results to e-commerce website.
E) fund electronic payment platform receives data and carries out logical process, calls fund access logic and payment instruction data are sent to fund through fund docking API; Fund carries out payment logical process again, completes payment, and returns results.This step comprises following content particularly:
E1) fund electronic payment platform is analyzed order data, extracts pay invoice data wherein and user data.
E2) fund electronic payment platform is analyzed user data, the fund account ID that judgement user is wherein corresponding.
E3) fund electronic payment platform is to storage pay invoice data, and the pay status of pay invoice data acquiescence is set to state in process.
E4) fund electronic payment platform forms order data the payment instruction data of fund, submits to payment instruction data to fund docking API.
E5) fund electronic payment platform according to safety standard step e 4) the payment instruction data that formed carry out safe handling again, and adopt Post mode to submit to fund through fund docking API.Described safety standard can be PKI technical manual, and the modes such as special line also can be adopted to ensure data transmission security between electronic payment platform and fund.
E6) after fund electronic payment platform submits fund to payment instruction data, the synchronous result waiting for fund; After the result of fund returns, fund electronic payment platform is analyzed the result returned, and analyzes fund and whether processes this payment instruction.
E7), after fund electronic payment platform analysis result, pay status is updated to and plans in forms data.
E8) fund electronic payment platform returns to e-commerce website payment result.
Based on an inking device for the electronic payment platform of fund, its structured flowchart as shown in Figure 4.Comprise e-commerce website, fund electronic payment platform and fund module, described fund electronic payment platform comprises access API module, platform logic module and fund access logic module, and fund module is communicated with fund electronic payment platform by built-in fund docking API module.
Described access API module is web interface, on interface specification, receives only the data that Post comes, and adopts PKI (Public Key Infrastructure) technical manual to ensure the safety of interface data.On its interface data format, JSON data layout is adopted to carry out transmission interface data.It functionally possesses the total interface that common Third Party Payment System platform provides, and increases by two interfaces in addition: open an account interface and reconciliation interface.
Platform logic module adopts DLL formatted file, comprises message process unit, service logic unit, data access unit, journal processing unit.Message process unit mainly docking port message is verified, interface packets is converted to business model; Service logic unit is responsible for processing service logics all in payment platform; Data access unit is responsible for conducting interviews to the business datum in payment platform and storing; Journal processing unit is responsible for recording the Operation Log in platform and abnormal log.Wherein message process unit comprises packet parsing module, authentication of message module and message modular converter.Packet parsing module is used for resolving the interface data of JSON form, obtains business datum wherein; Authentication of message module is used for verifying business datum, screens legal business datum and is for further processing; Message modular converter is used for business datum to convert business model to.
Service logic unit comprises processing module of opening an account, reconciliation processing module, order management module, payment module and user management module.Processing module of opening an account to be opened an account required service logic for providing fund account; Reconciliation processing module is for providing the service logic needed for reconciliation; Order management module is for providing the service logic needed for pay invoice; Payment module is for providing the service logic needed for payment; User's system that user management module generates after being used for management platform access.
Data access unit comprises data read module and data memory module.Data read module is used for providing digital independent support; Data memory module is used for providing data to write and supports.
Fund access logic module adopts DLL formatted file, is responsible for the data communication between electronic payment platform and fund and security control; In communication, Http Post technology is adopted to submit to data to the interface IP address of fund; In security control, adopt special line or use PKI technical manual, ensureing the Internet Transmission safety between fund.
Fund module is for providing the fund system of API.Fund docking API module provides api interface by fund, at least comprises api interface of opening an account, share is transferred the possession of api interface, supplemented api interface, enchashment api interface etc. with money.
Above-mentioned access API module, platform logic module and fund access logic module form Web service jointly, provide to pay to support e-commerce website or mobile payment.
In the present invention, fund electronic payment platform also comprises reconciliation module, carries out reconciliation for timing with fund; Reconciliation module comprises task scheduling unit, reconciliation logical block, data access unit, journal processing unit.
Task scheduling unit comprises task scheduling modules and operation load-on module.Task scheduling modules is used for realizing Task Scheduling Mechanism, and this third party's task scheduling of Timer or Quartz framework can be adopted to realize; When operation load-on module triggers for realizing scheduling, load concrete schedule job.Reconciliation logical block comprises reconciliation data acquisition module and reconciliation module.Reconciliation data acquisition module obtains for calling fund access logic the data wanting reconciliation; Reconciliation module is used for the reconciliation data got and local data to carry out Data Matching one by one, checks the similarities and differences of each reconciliation data and local data, if be checked through data difference, then carries out data change or data notification.
In the present invention, reconciliation module has been used for reconciliation service, and reconciliation service is an independently process service, and its process flow diagram as shown in Figure 3.
This service possesses Task Scheduling Mechanism, timing can carry out reconciliation with fund.The completeness ensureing data with the main application of fund reconciliation.Because the payment of fund adopts the mode of share transfer to realize, share transfer is the process of fund system inside, and result is transferred the possession of in acquisition that can be real-time; But after share is transferred the possession of, the mode of forcing to withdraw deposit is carried out in foundation, and the fund in fund account is withdrawn deposit in the bank card of user; This process is the process between fund and bank, is not real-time, and likely has multiple result.The effect of reconciliation service is exactly timing and fund reconciliation, gets these results, if having influence on payment data, just can notify E-business applications provider.
When reconciliation service is carried out, first initiating task scheduling mechanism, task scheduling can adopt third party's task scheduling frameworks such as Timer or Quartz to realize.
Second step, when task scheduling triggers, loads reconciliation operation.Load mode can be simple function call, also can be reconciliation operation is packaged into dll file, during scheduled for executing, dll file is loaded in the process space of service, and performs entrance function wherein.
3rd step, calls fund access logic and loads reconciliation data.In this step, fund access logic is called in reconciliation operation, the order number transmitting named date scope or specify, and calls the reconciliation interface in fund docking API, obtains corresponding data.
4th step, comparing.Reconciliation operation loads local data, and reconciliation data carry out comparison one by one, mainly compare for pay status and payment.
Finally, upgrade local data and send notice.In comparing process, as found inconsistent data, should be as the criterion with fund data, upgrading local data, recording daily record; Meanwhile, to adjust back or other advice methods, the result of these data of notice e-commerce website.