The content of the invention
The technical problem to be solved in the invention is to provide that a kind of payment cost is relatively low and payment process security performance is higher
Electronic payment platform.
In order to solve the above technical problems, the technical solution used in the present invention is as follows.
A kind of collocation method of the electronic payment platform based on fund, the electronic payment platform carries out fund using fund
Trustship simultaneously realizes electronic payment function, and the collocation method specifically includes following steps:
A)Carried on technical development in e-commerce website by access API specification, access fund electronic payment platform;
B)After e-commerce website access platform, pay invoice data are produced before payment, and branch is submitted by accessing API
Pay order data;
C)Pay invoice data are analyzed, judge whether the user of pay invoice data binds fund;As tied up
Determine fund, carry out step E);Fund is not bound such as, then carries out step D);
D)Opened an account flow into fund, formation, which is opened an account, instructs and be submitted to fund docking API;
E)Fund electronic payment platform receives data and carries out logical process, calls fund to access logic payment instruction number
Fund is sent to according to through fund docking API;Fund carries out payment logical process again, completes to pay, and returning result.
Step B of the present invention)Middle e-commerce website submits pay invoice data flat to fund e-payment by PKI technologies
Platform, i.e., handled order data with the mode of public key encryption and signature.
Step D of the present invention)Realized using following steps:
D1)E-commerce website submits user to open an account data to fund electronic payment platform with PKI technologies, that is, uses public key
The mode of encryption and signature is handled order data;User's data of opening an account will at least include:Customs Assigned Number, name, mobile phone
Number, certificate number, binding bank card number;
D2)Fund electronic payment platform is received after data, is also decrypted and sign test with PKI technical specifications;
D3)After sign test is finished, fund electronic payment platform for the user open an account data generate one possess unique trait
Pseudo- ID, and user's data of opening an account are submitted to fund together with pseudo- ID, fund carries out processing of opening an account;
D4)After fund is disposed, formation, which is opened an account, instructs and is submitted to fund docking API;Meanwhile, fund e-payment is put down
Platform analyzes result of opening an account:If opening an account success, pseudo- ID and user are opened an account data write-in locally, while both mappings of storage
Relation, and returning result;If opened an account unsuccessfully, e-commerce website is directly returned result to.
Step E of the present invention)Realized using following steps:
E1)Fund electronic payment platform is analyzed order data, extracts pay invoice data therein and user
Data;
E2)Fund electronic payment platform is analyzed user data, judges the corresponding fund account ID of user therein;
E3)Fund electronic payment platform is given tacit consent to storage pay invoice data, and the pay status of pay invoice data
It is set to state in processing;
E4)The payment instruction data of pay invoice data formation fund are submitted the branch of fund by fund electronic payment platform
Pay director data and dock API to fund;
E5)Fund electronic payment platform is according to safety standard step E4)The payment instruction data of formation carry out safety again
Processing, and fund is submitted to using Post modes;
E6)Fund electronic payment platform is submitted payment instruction data after fund, the result of synchronous wait fund;Base
After the result of gold is returned, fund electronic payment platform is analyzed the result of return, and whether analysis fund has handled this
Payment instruction;
E7)After fund electronic payment platform analysis result, pay status is updated to planning in forms data;
E8)Payment result is returned to e-commerce website by fund electronic payment platform.
A kind of configuration device of the electronic payment platform based on fund, including e-commerce website, fund e-payment are put down
Platform and fund module, the fund electronic payment platform include access API module, platform logic module and fund access and patrolled
Module is collected, fund module is docked API module by built-in fund and communicated with fund electronic payment platform;The access API moulds
Block is web interface, using JSON data formats come coffret data;Platform logic module uses DLL formatted files, including report
Literary processing unit, service logic unit, data access unit, journal processing unit;Fund accesses logic module and uses DLL forms
File, is responsible for data communication and security control between electronic payment platform and fund;Fund module is used for the fund for providing API
System, fund docking API module provides api interface by fund, at least transfers the possession of api interface including api interface of opening an account, share, fills
It is worth api interface, enchashment api interface.
The improvement of the configuration device is:The fund electronic payment platform also include reconciliation module, for timing with
Fund carries out reconciliation;The reconciliation module includes task scheduling unit, reconciliation logic unit, data access unit, log processing
Unit.
As a result of above technical scheme, the invention technological progress is as follows.
The application of the present invention can reduce disbursement from fund cost, and great competitiveness is brought to payment platform;Fund has liter
The characteristic of value, except paying, moreover it is possible to produce extra returns to user;Fund is very safe, and bank card is not related in payment process,
Simply do fund share transfer;Fund easily provides customizing interface, and more characteristics can be realized to payment platform.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention will be described in further detail.
A kind of collocation method of the electronic payment platform based on fund, the electronic payment platform carries out fund using fund
Trustship simultaneously realizes electronic payment function, shown in flow chart Fig. 1 of the collocation method, specifically includes following steps:
A)Carried on technical development in e-commerce website by access API specification, access fund electronic payment platform.Wherein connect
How enter to be described in detail in API specification allows e-commerce website to access fund electronic payment platform.
B)After e-commerce website access platform, pay invoice data are produced before payment, and branch is submitted by accessing API
Pay order data;E-commerce website submits pay invoice data to fund electronic payment platform by PKI technical specifications, that is, uses
The mode of public key encryption and signature is handled order data.
Fund electronic payment platform is received after pay invoice data, is also decrypted and sign test with PKI technical specifications;Data
After sign test is finished, fund electronic payment platform reply data do further verification process, and such as order data whether there is repetition, data
Whether there is and lack content etc..
C)Pay invoice data are analyzed, and check whether data are complete.On the premise of data are complete, pull out
Pay invoice data therein and user data, further check pay invoice data and user data.Pay invoice data will
Check:Whether payment repeats, whether payment exceedes amount etc.;User data will be checked:Whether cell-phone number, certificate number meet
Rule etc..
Then the Customs Assigned Number in user data, further searches for local data, and whether see can find Customs Assigned Number
Corresponding fund account ID, that is, judge whether the user of pay invoice data bound fund;As bound fund, carry out
Step E)Carry out disbursement from fund;Fund was not bound such as, then carried out step D)Fund is carried out to open an account.
D)Opened an account flow into fund, formation, which is opened an account, instructs and be submitted to fund docking API.The flow chart of this step is as schemed
Shown in 2, herein below is specifically included:
D1)E-commerce website submits user to open an account data to fund electronic payment platform with PKI technical specifications, that is, uses
The mode of public key encryption and signature is handled order data;User's data of opening an account will at least include:Customs Assigned Number, name,
Cell-phone number, certificate number, binding bank card number etc..
D2)Fund electronic payment platform receives user and opened an account after data, and data of being opened an account to user are verified, checks that its is counted
According to legitimacy;Such as data are legal, then carry out the inspection of integrality again.It is same during validation check to use PKI technical specifications
It is decrypted and sign test.
D3)After sign test is finished, fund electronic payment platform for the user open an account data generate one possess unique trait
Pseudo- ID, and user's data of opening an account are submitted to fund together with pseudo- ID, fund carries out processing of opening an account.
Pseudo- ID effect is:The pseudo- ID after opening an account can as fund account ID, behind all e-commerce website
Request, the Customs Assigned Number that payment platform can all be passed according to it finds corresponding fund account ID, and with this fund account ID
It is traded processing.
D4)After fund is disposed, formation, which is opened an account, instructs and is submitted to fund docking API;Meanwhile, fund e-payment is put down
Platform analyzes result of opening an account:If opening an account success, pseudo- ID and user are opened an account data write-in locally, while both mappings of storage
Relation, and returning result;If opened an account unsuccessfully, e-commerce website is directly returned result to.
E)Fund electronic payment platform receives data and carries out logical process, calls fund to access logic payment instruction number
Fund is sent to according to through fund docking API;Fund carries out payment logical process again, completes to pay, and returning result.Specifically originally
Step includes herein below:
E1)Fund electronic payment platform is analyzed order data, extracts pay invoice data therein and user
Data.
E2)Fund electronic payment platform is analyzed user data, judges the corresponding fund account ID of user therein.
E3)Fund electronic payment platform is given tacit consent to storage pay invoice data, and the pay status of pay invoice data
It is set to state in processing.
E4)The payment instruction data of order data formation fund are submitted payment instruction data by fund electronic payment platform
API is docked to fund.
E5)Fund electronic payment platform is according to safety standard step E4)The payment instruction data of formation carry out safety again
Processing, and fund is submitted to through fund docking API using Post modes.Described safety standard can be PKI technical specifications,
The data transmission security between electronic payment platform and fund can be ensured using modes such as special lines.
E6)Fund electronic payment platform is submitted payment instruction data after fund, the result of synchronous wait fund;Base
After the result of gold is returned, fund electronic payment platform is analyzed the result of return, and whether analysis fund has handled this
Payment instruction.
E7)After fund electronic payment platform analysis result, pay status is updated to planning in forms data.
E8)Payment result is returned to e-commerce website by fund electronic payment platform.
A kind of configuration device of the electronic payment platform based on fund, its structured flowchart is as shown in Figure 4.Including ecommerce
Website, fund electronic payment platform and fund module, the fund electronic payment platform include access API module, platform and patrolled
Collect module and fund accesses logic module, it is flat with fund e-payment that fund module docks API module by built-in fund
Platform communicates.
The access API module is web interface, on interface specification, only receives the data that Post comes, and use PKI
(Public Key Infrastructure) technical specification ensures the safety of interface data.On its interface data format, adopt
With JSON data formats come coffret data.What it functionally possessed that common Third Party Payment System platform provided all connects
Mouthful, increase by two interfaces in addition:Open an account interface and reconciliation interface.
Platform logic module uses DLL formatted files, including message process unit, service logic unit, data access list
Member, journal processing unit.Message process unit is mainly docking port message and verified, interface packets are converted into business mould
Type;Service logic unit is responsible for handling service logics all in payment platform;Data access unit is responsible in payment platform
Business datum conduct interviews and store;Journal processing unit is responsible for recording the Operation Log and abnormal log in platform.Wherein
Message process unit includes packet parsing module, authentication of message module and message modular converter.Packet parsing module be used for pair
The interface data of JSON forms is parsed, and obtains business datum therein;Authentication of message module is used to carry out business datum
Checking, screens legal business datum and is further processed;Message modular converter is used to business datum be converted into industry
Business model.
Service logic unit includes open an account processing module, reconciliation processing module, order management module, payment module and use
Family management module.Processing module of opening an account is used to provide the service logic needed for fund account is opened an account;Reconciliation processing module is used to carry
For the service logic needed for reconciliation;Order management module is used to provide the service logic needed for pay invoice;Payment module is used for
Service logic needed for payment is provided;User management module is used for the user's system generated after management platform is accessed.
Data access unit includes data read module and data memory module.Data read module is used to provide data reading
Take support;Data memory module is used to provide data write-in support.
Fund accesses logic module and uses DLL formatted files, is responsible for the data communication between electronic payment platform and fund
With security control;In communication, interface IP address of the data to fund is submitted using Http Post technologies;In security control, using special
Line or use PKI technical specifications, to ensure the safety of the network transmission between fund.
Fund module is used for the fund system for providing API.Fund docking API module provides api interface by fund, at least wraps
Api interface of opening an account, share is included to transfer the possession of api interface, supplement api interface, enchashment api interface etc. with money.
Above-mentioned access API module, platform logic module and fund access logic module and collectively constitute Web service, to electronics
Business web site or mobile payment, which are provided, pays support.
Fund electronic payment platform also includes reconciliation module in the present invention, and reconciliation is carried out with fund for timing;Reconciliation mould
Block includes task scheduling unit, reconciliation logic unit, data access unit, journal processing unit.
Task scheduling unit includes task scheduling modules and operation load-on module.Task scheduling modules are used to realize task
Scheduling mechanism, can be realized using this third party's task scheduling frameworks of Timer or Quartz;Operation load-on module is used for real
During now scheduling triggering, specific schedule job is loaded.Reconciliation logic unit includes reconciliation data acquisition module and reconciliation module.
Reconciliation data acquisition module is used to call fund to access the data that reconciliation is wanted in logic acquisition;Reconciliation module is used for pair got
Account data and local data carry out Data Matching one by one, check each reconciliation data and the similarities and differences of local data, if checked
It is different to data, then carry out data change or data notification.
Reconciliation module is used to complete reconciliation service in the present invention, and reconciliation service is an independent process service, its flow
Figure is as shown in Figure 3.
The service possesses Task Scheduling Mechanism, can timing and fund progress reconciliation.With fund reconciliation be mainly used for use
To ensure the completeness of data.Because the payment of fund is realized by the way of share transfer, share transfer is fund
The processing of internal system, transfer result can be obtained in real time;But after share is transferred the possession of, foundation carries out the side for forcing to withdraw deposit
Formula, the fund in fund account is withdrawn deposit into the bank card of user;This process is the processing between fund and bank, is not
In real time, and it is possible to have a variety of results.The effect of reconciliation service is exactly timing and fund reconciliation, gets these knots
Really, if having influence on payment data, it becomes possible to notify E-business applications provider.
When reconciliation service is carried out, start Task Scheduling Mechanism first, task scheduling can be using Timer or Quartz etc. the
Tripartite's task scheduling framework is realized.
Second step, when task scheduling is triggered, loads reconciliation operation.Load mode can be simple function call,
It can be that reconciliation operation is packaged into dll file, when scheduling is performed, dll file is loaded into the process space of service, and is held
Row entrance function therein.
3rd step, calls fund to access logic loading reconciliation data.In this step, reconciliation operation is called fund to access and patrolled
Volume, transmission designated date scope or the order number specified call fund to dock the reconciliation interface in API, obtain corresponding
Data.
4th step, comparing.Reconciliation operation loads local data, and reconciliation data are compared one by one, mainly pin
Pay status and payment are compared.
Finally, update local data and send notice.During comparing, inconsistent data, Ying Yiji are such as found
Golden number updates local data, records daily record according to being defined;Meanwhile, with readjustment or other advice methods, notify e-business network
Stand the result of the data.