CN105023147A - Payment method and related terminal and system thereof - Google Patents
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- CN105023147A CN105023147A CN201410165384.2A CN201410165384A CN105023147A CN 105023147 A CN105023147 A CN 105023147A CN 201410165384 A CN201410165384 A CN 201410165384A CN 105023147 A CN105023147 A CN 105023147A
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Abstract
The invention provides a payment method and a related terminal and system thereof. Order information is generated by a settlement center system. A consumption voucher corresponding to the order information is outputted by a point-of-sale terminal. When a payer reads the consumption voucher via a payment terminal, the point-of-sale terminal can serve the next payer so that payment transaction efficiency can be enhanced. Besides, after the payment terminal of the payer reads the consumption voucher, the payment terminal of the payer directly communicates with a payment mechanism system requiring completion of payment, and user account information of the payer does not need to be provided to the point-of-sale terminal so that payment transaction security is enhanced.
Description
Technical Field
The application relates to the field of electronic payment, in particular to a payment method and a related terminal and system thereof.
Background
At present, in a payment transaction process based on a POS (point of sale terminal), a merchant (payee) inputs a transaction amount on the POS, a payer provides bank account information to the POS in a card swiping manner, after the payer inputs a bank card transaction password, the POS transmits the information to an acquiring system, the acquiring system generates order information, communicates with a bank system, requests a deduction operation, and after the bank system succeeds in deduction, the acquiring system records a transaction result and prints a transaction certificate through the POS. The entire process of the payment transaction must be attached to the POS, which cannot provide payment transaction services to the next payer until the payer completes the entire payment transaction process. In addition, in the process, the bank card account information of the payer needs to be provided for the POS machine, and the information is easily obtained illegally by others.
Disclosure of Invention
The application provides a payment method, a related terminal and a related system thereof, which solve the problems that a point-of-sale terminal cannot provide payment transaction service for the next payer before the payer completes the whole payment transaction process, and bank card account information of the payer needs to be provided for the point-of-sale terminal.
According to a first aspect of the present application, there is provided a payment method comprising:
the method comprises the steps that a point-of-sale terminal obtains a first amount input by a payee and sends a first consumption request to an acquiring system, wherein the first consumption request comprises an identifier of the payee and the first amount;
the acquiring system acquires a first consumption request and sends a payment request to the clearing center system, wherein the payment request comprises an identifier of a payee and a second amount, and the second amount has a corresponding relation with the first amount;
the settlement center system acquires the payment request, generates and stores order information corresponding to the payment request, wherein the order information comprises an order number and a second amount, and returns the order information to the order receiving system;
the order receiving system forwards the order information to a point-of-sale terminal;
the point-of-sale terminal acquires the order information and outputs a consumption certificate corresponding to the order information, wherein the consumption certificate records an order number and a second amount;
the payment terminal of the payer reads the consumption certificate and sends a second consumption request to a payment mechanism system needing to finish payment, wherein the second consumption request comprises an order number and a second amount;
the payment mechanism system acquires a second consumption request, deducts money from a user account corresponding to the payment terminal, and then sends an audit request to the settlement center system, wherein the audit request comprises an order number and a second amount;
the settlement center system acquires the audit request, audits the content carried by the audit request according to the stored order information, sends the information that the order audit is successful to the order receiving system, and sends the information that the order audit is unsuccessful to the payment mechanism system;
the payment mechanism system acquires a message of failure of checking the order form of the settlement center system and cancels the previous deduction operation;
and the acquiring system acquires the message that the order of the settlement center system is successfully checked, records the corresponding transaction result and informs the point-of-sale terminal.
According to a second aspect of the present application, there is provided a point of sale terminal comprising:
the input module is used for acquiring a first amount input by a payee;
the communication module is used for sending a first consumption request to the acquirer system, wherein the first consumption request comprises an identifier of a payee and a first amount acquired by the input module; acquiring order information returned by an order receiving system, wherein the order information comprises an order number and a second amount, and the second amount has a corresponding relation with the first amount; obtaining a notice which is sent by an acquiring system and represents that the transaction is successful;
and the output module is used for outputting a consumption certificate corresponding to the order information, and the consumption certificate records an order number and a second amount.
According to a third aspect of the present application, there is provided a mobile phone payment terminal, which is installed on a mobile phone of a user in a software manner and can be associated with an account of a payment mechanism of the user, including:
the reading module is used for reading a consumption certificate output by a point-of-sale terminal through a mobile phone camera, the consumption certificate records an order number and a second amount in a security coding mode, and the order number is generated by a settlement center system;
and the payment module is used for sending a second consumption request to the payment mechanism system needing to complete payment, wherein the second consumption request comprises the order number and the second amount.
According to a fourth aspect of the present application, there is provided an acquirer system including:
the bill receiving processing module is used for acquiring a first consumption request sent by a point-of-sale terminal, wherein the first consumption request comprises an identifier of a payee and a first amount; sending a payment request to a clearing center system, wherein the payment request comprises an identifier of a payee and a second amount, and the second amount and the first amount have a corresponding relation;
the order forwarding module is used for acquiring order information returned by the settlement center system and forwarding the order information to the point-of-sale terminal, wherein the order information comprises an order number and a second amount;
and the result forwarding module is used for acquiring the message of successful order verification sent by the settlement center system, recording the corresponding transaction result and informing the point-of-sale terminal.
According to a fifth aspect of the present application, there is provided a clearing house system comprising:
the order generation module is used for acquiring a payment request sent by the order receiving system, generating and storing order information corresponding to the payment request, wherein the payment request comprises an identifier of a payee and a second amount, and the order information comprises an order number and the second amount and is returned to the order receiving system;
the order auditing module is used for acquiring an auditing request sent by the payment mechanism system, wherein the auditing request comprises an order number and a second amount; and auditing the content carried by the auditing request according to the stored order information, sending a message of successful order auditing to an order receiving system, and sending a message of failed order auditing to a payment mechanism system.
According to a sixth aspect of the present application, there is provided a payment authority system comprising:
the pre-deducting module is used for obtaining a second consumption request sent by a payment terminal of a payer, wherein the second consumption request comprises an order number and a second amount, deducting a user account corresponding to the payment terminal, and then sending an auditing request to the settlement center system, wherein the auditing request comprises the order number and the second amount;
and the result processing module is used for acquiring the information of the order form auditing failure returned by the settlement center system and canceling the previous deduction operation.
In the payment method and the related terminal and system thereof, the settlement center system generates order information, the point-of-sale terminal outputs a consumption certificate corresponding to the order information, and when the payer reads the consumption certificate through the payment terminal, the point-of-sale terminal can serve the next payer, so that the efficiency of payment transaction is improved. In addition, after the payment terminal of the payer reads the consumption certificate, the consumption certificate is directly communicated with a payment mechanism system needing to complete payment, and the user account information of the payer is not required to be provided for the point-of-sale terminal, so that the safety of payment transaction is improved.
Drawings
FIG. 1 is a schematic flow chart of a payment method according to an embodiment of the present application;
FIG. 2 is a block diagram of a point-of-sale terminal according to an embodiment of the present application;
fig. 3 is a schematic block diagram of a mobile payment terminal according to an embodiment of the present application;
FIG. 4 is a block diagram of an acquiring system according to an embodiment of the present application;
FIG. 5 is a block diagram of a clearing house system according to an embodiment of the present application;
fig. 6 is a block diagram of a payment mechanism system according to an embodiment of the present application.
Detailed Description
The inventive concept of the present application resides in: considering that the whole payment transaction process needs to depend on the point-of-sale terminal in the prior art, the payment transaction process includes the communication between the point-of-sale terminal, the acquiring system and the payment mechanism system. In the embodiment of the application, the settlement center system is added, so that the payment transaction process is divided into two links, namely a point-of-sale terminal-acquiring system-settlement center system and a payment terminal-payment mechanism system-settlement center system. In the second link, the payment transaction operation does not need to depend on a point-of-sale terminal, and after the first link is completed, the point-of-sale terminal can serve the next payer, so that the efficiency of the payment transaction is improved. In addition, in the first link, account information of the payer does not need to be provided for the point-of-sale terminal, and the safety of payment transaction is improved.
The present application will be described in further detail below with reference to the accompanying drawings by way of specific embodiments.
Referring to fig. 1, the present embodiment provides a payment method, including:
step 1.1: the point-of-sale terminal obtains a first amount input by a payee and sends a first consumption request to the acquirer system, wherein the first consumption request comprises an identifier of the payee and the first amount. Specifically, the Point-of-sale terminal is a Point of sale (POS); the payee is the merchant; the acquiring system corresponds to the point-of-sale terminal and provides processing services.
Step 1.2: the acquiring system acquires the first consumption request, and sends a payment request to the clearing center system, where the payment request includes an identifier of a payee and a second amount, and the second amount has a corresponding relationship with the first amount, that is, the second amount may be acquired from the first amount according to a preset rule, for example, the second amount may be the original first amount or the amount discounted or favored by the first amount.
Step 1.3: and the clearing center system acquires the payment request, generates and stores order information corresponding to the payment request, wherein the order information comprises an order number and a second amount. The clearing center system stores the identifier of the payee in advance and generates an order number for the payment request initiated by the payee.
In a specific embodiment, the clearing house system may further verify and save the payment request, for example, verify whether the payment request is valid according to the preset payee information (e.g., merchant information), and if so, generate order information.
Step 1.4: and the settlement center system returns the order information to the order receiving system.
Step 1.5: the acquiring system forwards the order information to the point of sale terminal.
Step 1.6: and the point-of-sale terminal acquires the order information and outputs a consumption certificate corresponding to the order information, wherein the consumption certificate records an order number and a second amount.
The consumption voucher can adopt various safe presentation forms, including various safe coding forms which are not easy to directly identify people, such as bar codes, two-dimensional codes and the like, as long as the consumption voucher can be read by a mobile payment terminal in a wireless mode. The consumption certificate is output by the point-of-sale terminal in a manner of printing or displaying on a display screen of the point-of-sale terminal itself or on a display screen connected with the point-of-sale terminal, or is transmitted to a payment terminal of a payer in other wireless manners.
Step 1.7: the payment terminal of the payer reads the consumption certificate in a wireless mode, such as a scanning mode or a photographing mode.
Step 1.8: and the payment terminal of the payer sends a second consumption request to the payment mechanism system needing to complete the payment, wherein the second consumption request comprises the order number and the second amount.
Step 1.9: and the payment mechanism system acquires the second consumption request and deducts money from the user account corresponding to the payment terminal.
Step 1.10: and the payment mechanism system sends an audit request to the clearing center system, wherein the audit request comprises the order number and the second amount.
Step 1.11: and the settlement center system acquires the audit request and audits the content carried by the audit request according to the stored order information. For example, it is checked whether the order number in the audit request matches the order number stored before, whether the amount of money matches, and the like.
Step 1.12: and the settlement center system sends the information of successful order verification to the order receiving system.
Step 1.13: and the acquiring system acquires the information of successful order audit of the settlement center system and records the corresponding transaction result.
In other embodiments, the acquirer system may also send a message of the success of the audit to the payment authority system, so that the payment authority system can process the payment result in time, for example, further notify the payment terminal of the payer of the message of the success of the transaction.
Step 1.14: the acquirer system notifies the point-of-sale terminal of the transaction result.
Step 1.15: and the settlement center system sends the information of the order auditing failure to the payment mechanism system.
Step 1.16: and the payment mechanism system acquires the message of the failure of the order audit of the settlement center system and cancels the previous deduction operation.
Referring to fig. 2, based on the payment method provided in the present embodiment, the present embodiment further provides a point-of-sale terminal, which includes an input module 201, a communication module 202, and an output module 203.
The input module 201 is used for acquiring a first amount input by a payee.
The communication module 202 is configured to send a first consumption request to the acquirer system, where the first consumption request includes an identifier of the payee and the first amount obtained by the input module 201; the communication module 202 is further configured to obtain order information returned by the acquiring system, where the order information includes an order number and a second amount, and the second amount has a corresponding relationship with the first amount; the communication module 202 is also used to obtain a notification sent by the acquirer system indicating that the transaction was successful.
The output module 203 is configured to output a consumption certificate corresponding to the order information, where the consumption certificate records an order number and a second amount.
In a specific embodiment, the output module 203 is a printing module 2031, and the consumption certificate is a printed two-dimensional code or a bar code; or, the output module 203 is a display module 2032 with a display screen or an external display screen, and the consumption certificate is a two-dimensional code or a bar code displayed on the display screen.
Referring to fig. 3, based on the payment method provided in this embodiment, the present embodiment also provides a mobile phone payment terminal, which is a payment terminal installed on a mobile phone of a user in a software manner and capable of being associated with a payment mechanism account of the user, and includes a reading module 301 and a payment module 302.
The reading module 301 is configured to read a consumption certificate output by a point-of-sale terminal through a mobile phone camera, where the consumption certificate records an order number and a second amount of money in a secure coding manner, and the order number is generated by a clearing center system.
The payment module 302 is configured to send a second consumption request to the payment authority system that requires payment to be completed, the second consumption request including the order number and the second amount.
In this embodiment, the mobile payment terminal further includes a display module 303, configured to display the second amount
In a specific embodiment, the payment terminal can be a mobile phone banking terminal installed on a mobile phone, and the payment mechanism system needing to complete payment is a banking system corresponding to the mobile phone banking terminal; or, the payment terminal may also be a third party payment terminal installed on the mobile phone, and the payment mechanism system that needs to complete payment is a third party payment system corresponding to the third party payment terminal, or a bank system corresponding to a payment account selected by the user in real time through the third party payment terminal, or a bank system corresponding to a payment account preset by the user through the third party payment terminal.
Referring to fig. 4, based on the payment method provided in this embodiment, this embodiment further provides an order receiving system, which includes an order receiving processing module 401, an order forwarding module 402, and a result forwarding module 403.
The order receiving processing module 401 is configured to obtain a first consumption request sent by a point-of-sale terminal, and send a payment request to the clearing house system. The first consumption request comprises an identification of a payee and a first amount, the payment request comprises an identification of the payee and a second amount, and the second amount has a corresponding relation with the first amount.
The order forwarding module 402 is configured to obtain order information returned by the clearing house system and forward the order information to the point-of-sale terminal, where the order information includes an order number and a second amount.
The result forwarding module 403 is configured to obtain a message that the order form verification is successful, which is sent by the clearing house system, record a corresponding transaction result, and notify the transaction result to the point-of-sale terminal.
Referring to fig. 5, based on the payment method provided in the present embodiment, the present embodiment further provides a clearing house system, which includes an order generating module 501 and an order auditing module 502.
The order generating module 501 is configured to obtain a payment request sent by the order receiving system, generate and store order information corresponding to the payment request, and return the order information to the order receiving system. The payment request includes an identification of the payee and a second amount, and the order information includes an order number and the second amount.
The order auditing module 502 is configured to acquire an auditing request sent by the payment mechanism system, audit content carried in the auditing request according to the stored order information, send a message that the order auditing is successful to the order receiving system, and send a message that the order auditing is unsuccessful to the payment mechanism system. The audit request includes an order number and a second amount.
In a specific embodiment, the order audit module 502 is further configured to send a message that the order audit failed to the order receiving system and/or a message that the order audit succeeded to the payment mechanism system.
Referring to fig. 6, based on the payment method provided in the present embodiment, the present embodiment further provides a payment mechanism system, which includes a withholding module 601 and a result processing module 602.
The withholding module 601 is configured to obtain a second consumption request sent by a payment terminal of a payer, deduct a payment from a user account corresponding to the payment terminal, and send an audit request to the clearing center system. The second consumption request includes the order number and the second amount, and the audit request includes the order number and the second amount.
The result processing module 602 is configured to obtain a message that the order audit returned by the clearing house system fails, and cancel a previous deduction operation.
In a specific embodiment, the result processing module 602 is further configured to obtain a message that the order form returned by the clearing house system is successfully checked, record a corresponding transaction result, and notify the transaction result to the payment terminal of the payer.
The following describes the payment method provided in this embodiment and its related terminal and system in a specific application scenario:
after the cashier inputs the transaction amount into the POS machine, the POS machine sends a payment request to the settlement center system through the order receiving system, the settlement center returns corresponding order information to the order receiving system, the order receiving system forwards the order information to the POS machine, and the POS machine prints the two-dimensional code.
After the consumer obtains the two-dimensional code, the consumer uses the mobile payment terminal to scan the two-dimensional code to continue payment operation, at the moment, the operation at a cashier desk is not needed, and the cashier desk can continue to use the POS machine to process other transactions.
After the payment mechanism system receives the consumption request transmitted by the mobile phone payment terminal, the payment mechanism system carries out pre-deduction, and then sends an audit request to the settlement center system. The settlement center system carries out auditing according to the conditions of the merchant and the order number, and if the auditing is successful, the settlement center system informs the acquiring system; and if the verification fails, informing the payment mechanism system to cancel the previous deduction operation.
After the consumer finishes paying, the cashier operates the POS machine to print out the paid order voucher.
If the cashier chooses to cancel the transaction, the POS machine initiates a positive transaction, and the acquiring system transmits the positive transaction to the settlement center for processing.
In the whole payment process, the deduction operation is actively initiated by the consumer, the payment mechanism directly verifies the deduction operation, and the account information of the consumer does not pass through the acceptance terminal of the merchant, so that the occurrence of counterfeit and stolen card events is effectively prevented, and the payment system has higher safety.
In the payment method and the related terminal and system thereof provided by the embodiment of the application, the settlement center system generates order information, the point-of-sale terminal outputs a consumption certificate corresponding to the order information, and when a payer reads the consumption certificate through the payment terminal, the point-of-sale terminal can serve the next payer, so that the efficiency of payment transaction is improved. In addition, after the payment terminal of the payer reads the consumption certificate, the consumption certificate is directly communicated with a payment mechanism system needing to complete payment, and the user account information of the payer is not required to be provided for the point-of-sale terminal, so that the safety of payment transaction is improved.
Those skilled in the art will appreciate that all or part of the steps of the various methods in the above embodiments may be implemented by instructions associated with hardware via a program, which may be stored in a computer-readable storage medium, and the storage medium may include: read-only memory, random access memory, magnetic or optical disk, and the like.
The foregoing is a more detailed description of the present application in connection with specific embodiments thereof, and it is not intended that the present application be limited to the specific embodiments thereof. It will be apparent to those skilled in the art from this disclosure that many more simple derivations or substitutions can be made without departing from the inventive concepts herein.
Claims (11)
1. A payment method, comprising:
the method comprises the steps that a point-of-sale terminal obtains a first amount input by a payee and sends a first consumption request to an acquiring system, wherein the first consumption request comprises an identifier of the payee and the first amount;
the acquiring system acquires a first consumption request and sends a payment request to the clearing center system, wherein the payment request comprises an identifier of a payee and a second amount, and the second amount has a corresponding relation with the first amount;
the settlement center system acquires the payment request, generates and stores order information corresponding to the payment request, wherein the order information comprises an order number and a second amount, and returns the order information to the order receiving system;
the order receiving system forwards the order information to a point-of-sale terminal;
the point-of-sale terminal acquires the order information and outputs a consumption certificate corresponding to the order information, wherein the consumption certificate records an order number and a second amount;
the payment terminal of the payer reads the consumption certificate and sends a second consumption request to a payment mechanism system needing to finish payment, wherein the second consumption request comprises an order number and a second amount;
the payment mechanism system acquires a second consumption request, deducts money from a user account corresponding to the payment terminal, and then sends an audit request to the settlement center system, wherein the audit request comprises an order number and a second amount;
the settlement center system acquires the audit request, audits the content carried by the audit request according to the stored order information, sends the information that the order audit is successful to the order receiving system, and sends the information that the order audit is unsuccessful to the payment mechanism system;
the payment mechanism system acquires a message of failure of checking the order form of the settlement center system and cancels the previous deduction operation;
and the acquiring system acquires the message that the order of the settlement center system is successfully checked, records the corresponding transaction result and informs the point-of-sale terminal.
2. A point-of-sale terminal, comprising:
the input module is used for acquiring a first amount input by a payee;
the communication module is used for sending a first consumption request to the acquirer system, wherein the first consumption request comprises an identifier of a payee and a first amount acquired by the input module; acquiring order information returned by an order receiving system, wherein the order information comprises an order number and a second amount, and the second amount has a corresponding relation with the first amount; obtaining a notice which is sent by an acquiring system and represents that the transaction is successful;
and the output module is used for outputting a consumption certificate corresponding to the order information, and the consumption certificate records an order number and a second amount.
3. The point-of-sale terminal of claim 2,
the output module is a printing module, and the consumption certificate is a printed two-dimensional code or a bar code; or,
the output module is a display module with a display screen or an external display screen, and the consumption certificate is a two-dimensional code or a bar code displayed on the display screen.
4. A mobile phone payment terminal is installed on a mobile phone of a user in a software mode and can be associated with a payment mechanism account of the user, and the mobile phone payment terminal is characterized by comprising:
the reading module is used for reading a consumption certificate output by a point-of-sale terminal through a mobile phone camera, the consumption certificate records an order number and a second amount in a security coding mode, and the order number is generated by a settlement center system;
and the payment module is used for sending a second consumption request to the payment mechanism system needing to complete payment, wherein the second consumption request comprises the order number and the second amount.
5. The mobile payment terminal of claim 4,
the payment terminal is a mobile phone bank terminal installed on a mobile phone, and the payment mechanism system needing to complete payment is a bank system corresponding to the mobile phone bank terminal; or,
the payment terminal is a third-party payment terminal installed on the mobile phone, and the payment mechanism system needing to complete payment is a third-party payment system corresponding to the third-party payment terminal, or a bank system corresponding to a payment account selected by the user in real time through the third-party payment terminal, or a bank system corresponding to a payment account preset by the user through the third-party payment terminal.
6. The mobile payment terminal of claim 4, further comprising,
and the display module is used for displaying the second amount.
7. An acquiring system, comprising:
the bill receiving processing module is used for acquiring a first consumption request sent by a point-of-sale terminal, wherein the first consumption request comprises an identifier of a payee and a first amount; sending a payment request to a clearing center system, wherein the payment request comprises an identifier of a payee and a second amount, and the second amount and the first amount have a corresponding relation;
the order forwarding module is used for acquiring order information returned by the settlement center system and forwarding the order information to the point-of-sale terminal, wherein the order information comprises an order number and a second amount;
and the result forwarding module is used for acquiring the message of successful order verification sent by the settlement center system, recording the corresponding transaction result and informing the point-of-sale terminal.
8. A clearing house system, comprising:
the order generation module is used for acquiring a payment request sent by the order receiving system, generating and storing order information corresponding to the payment request, wherein the payment request comprises an identifier of a payee and a second amount, and the order information comprises an order number and the second amount and is returned to the order receiving system;
the order auditing module is used for acquiring an auditing request sent by the payment mechanism system, wherein the auditing request comprises an order number and a second amount; and auditing the content carried by the auditing request according to the stored order information, sending a message of successful order auditing to an order receiving system, and sending a message of failed order auditing to a payment mechanism system.
9. The clearing house system of claim 8,
the order auditing module is also used for sending the information of the order auditing failure to the order receiving system and/or sending the information of the order auditing success to the payment mechanism system.
10. A payment mechanism system, comprising:
the pre-deducting module is used for obtaining a second consumption request sent by a payment terminal of a payer, wherein the second consumption request comprises an order number and a second amount, deducting a user account corresponding to the payment terminal, and then sending an auditing request to the settlement center system, wherein the auditing request comprises the order number and the second amount;
and the result processing module is used for acquiring the information of the order form auditing failure returned by the settlement center system and canceling the previous deduction operation.
11. The payment mechanism system of claim 10,
the result processing module is also used for obtaining the information of successful order verification returned by the settlement center system, recording the corresponding transaction result and informing the payment terminal of the payer.
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| CN107767140A (en) * | 2017-10-02 | 2018-03-06 | 头等尝网络餐饮管理科技（深圳）有限公司 | Method of payment, device, equipment and readable storage medium storing program for executing |
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