CN105427101A - Unified payment access gateway supporting multiple payment channels - Google Patents
Unified payment access gateway supporting multiple payment channels Download PDFInfo
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- CN105427101A CN105427101A CN201510802130.1A CN201510802130A CN105427101A CN 105427101 A CN105427101 A CN 105427101A CN 201510802130 A CN201510802130 A CN 201510802130A CN 105427101 A CN105427101 A CN 105427101A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L12/00—Data switching networks
- H04L12/66—Arrangements for connecting between networks having differing types of switching systems, e.g. gateways
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Abstract
The invention discloses a unified payment access gateway supporting multiple payment channels. A unified payment interface receives a payment request comprising a payment mode code and payment verification information sent by a client, and forwards the payment request and the payment verification information to a decryption processing module for decryption; a protocol adaption module extracts the payment mode code and corresponding third-party payment interface information from the decrypted payment request, and makes a query to obtain a payment mode; and a payment processing module re-packages a message, sends the message to a third-party payment platform, receives a processing result message of the third-party payment platform, constructs a feedback message according to an executive mode of the payment mode, and sends the feedback message to the client. According to the gateway, one-point access and multi-output-point payment services are provided for access merchants, so that the client operation is simplified.
Description
Technical field
The invention belongs to E-Payment technical field, more specifically say, relate to a kind of unified payment access gateway supporting multiple payment channel.
Background technology
Along with popularizing gradually of internet, e-commerce technology is developed, and makes it progressively become the maximum focus of Internet application.For adapting to this trend of the market of ecommerce, paying by mails and growing up thereupon.Pay the litigant referring to electronic transaction by mails, comprise consumer, manufacturer and financial institution, use safety pays means by mails, and the currency undertaken by network is paid or fund flow.E-Payment is the important component part of e-commerce system.The type of service paid by mails is initiated mode by electronic payment instruction and is divided into online payment, phone-payment, mobile payment, point of sales terminal transaction, ATM (Automatic Teller Machine) transaction and other E-Payments.Electronic payment service can be provided by bank, also can be provided by Third-party payment platform.
Due to greatly developing of paying by mails, pay by mails and extend under line from line.Except network businessman, many entity trade companies (such as market, supermarket, retailer etc.) also start to adopt E-Payment, for consumer provides the modes of payments more flexibly.In numerous electronic payment service business, entity trade company is generally and meets its consumption and payment money demand, can select several.This is because each electronic payment service business has respective electronic payment platform, if contain various electronic payment mode as much as possible as network businessman, a lot of E-Payment software or electronic payment devices are installed by entity trade company just needs, bring much inconvenience can to payment and clearing.
Summary of the invention
The object of the invention is to overcome the deficiencies in the prior art, provide a kind of and support that the unified of multiple payment channel pays access gateway, is the service that access trade company provides some access multiple spot to pay.
For achieving the above object, the present invention includes unified payment interface, decryption processing module, protocol adaptation module, payment processes module, wherein:
Unified payment interface receives the payment request message comprising payment mode coding and payment verification message from accessing vendor end, and the legitimacy of checking message format and form, send to decryption processing module by message after checking is correct; Receive the feedback message that payment processes module sends, send to access vendor end;
Decryption processing module receives payment request message and the payment verification message of unified payment interface forwarding, if be encryption mode with the communication pattern of access vendor end, then message is decrypted and then carries out sign test, otherwise directly carry out sign test, after sign test success, message data is sent to protocol adaptation module;
Protocol adaptation module extracts payment mode coding from the payment request message after deciphering and payment verification message, in the modes of payments coding schedule prestored, inquiry obtains payment mode corresponding to this message and corresponding Third-party payment interface, original payment request message and payment verification message are converted to reconstruct message according to the message format of the defined of the Third-party payment interface of correspondence, payment mode, Third-party payment interface index and reconstruct message are sent to payment processes module;
Payment processes module is after receiving the payment mode of protocol adaptation module transmission, Third-party payment interface index and reconstruct message, first according to the business of user preset, pre-service is carried out to this request, comprise record payment record, send advise for payments, then judge that the payment mode that this is asked is foreground mode or background mode, and according to the Third-party payment interface packets encryption rule of correspondence, reconstruct message is encrypted, then by Third-party payment interface, message after encryption is sent to Third-party payment platform; Receive the result message of Third-party payment platform feedback, be decrypted and resolve, if the payment mode of this request is foreground mode, then from result message, extract page address, build according to the message format communicated with unified payment interface and feed back message, send to unified payment interface, if the payment mode of this request is background mode, then result message is built according to the message format communicated with unified payment interface and feed back message, send to unified payment interface.
Further, unifying payment interface adopts communication to receive and send messages.
Further, the method of message format conversion is: by the message field (MFLD) one_to_one corresponding of each field in unified payment interface message with Third-party payment platform, the mode of the field employing precoding of correspondence completely can not arrange fixed data value or fixing algorithm assignment.
Further, payment processes module is after the effective information extracting payment processes result, if payment processes result is for pay successfully, then in the request of payment is recorded, extracts corresponding payment request according to transaction journal number, sends to accounting process systems.
The present invention supports that the unified of multiple payment channel pays access gateway, comprise unified payment interface, decryption processing module, protocol adaptation module, payment processes module, unified payment interface receives the payment request comprising payment mode coding and payment verification information that are sent by client, be transmitted to decryption processing module to be decrypted, protocol adaptation module extracts payment mode coding and corresponding Third-party payment interface message from the payment request after deciphering, inquiry obtains payment mode, payment processes module Reseal message sends to Third-party payment platform, feedback message is built according to the execution pattern of payment mode after receiving the result message of Third-party payment platform, send to client.
The present invention carries out payment mode identification by protocol adaptation module, then the request of payment and process is completed according to the corresponding message format of payment mode and execution pattern, thus the docking of standard set transaction request message is unified pays the docking that access gateway realizes multiple payment mode and multiple Third-party payment platform to make client only need be used by the present invention, for the service that access vendor end provides some access multiple spot to pay, simplify operation and the code development work of client.
Accompanying drawing explanation
Fig. 1 is the unified structural drawing paying access gateway that the present invention supports multiple payment channel;
Fig. 2 is the process flow diagram adopting the present invention to carry out B2C payment.
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the present invention is described, so that those skilled in the art understands the present invention better.Requiring particular attention is that, in the following description, when perhaps the detailed description of known function and design can desalinate main contents of the present invention, these are described in and will be left in the basket here.
Fig. 1 is the unified structural drawing paying access gateway that the present invention supports multiple payment channel.As shown in Figure 1, the present invention supports that the unified access gateway that pays of multiple payment channel comprises unified payment interface 1, decryption processing module 2, protocol adaptation module 3, payment processes module 4.
Unified payment interface 1 is as access vendor end and the unified interface paying access gateway, and various payment request message or the payment verification message of access trade company are all generated by client, sends to unified payment access gateway by unified payment interface 1.The unified interface 1 paid sends to decryption processing module 2 the payment request message received from access vendor termination and payment verification message.In order to make the unified access gateway that pays complete protocol adaptation to various payment services platform, unified payment interface 1 need to verify the legitimacy of request message and form whether correct, whether basic element of transaction complete.Element of transaction should comprise outside the conventional payment information such as trade company's numbering, payment plan ID (calculating rate for accounting process systems), transaction journal number, the order amount of money, also needs to comprise payment mode coding and the cipher-text information such as transaction results Notify Address, transaction results return address, digital signature of general needs through encrypting.
Decryption processing module 2 is responsible for the deciphering of message between unified payment gateway and access vendor end, and namely reception payment request message and pay invoice infomational message are decrypted and sign test.Decipher function can carry out opening or closing according to the communication pattern of reality, if be encryption mode with the communication pattern of access vendor end, then message is decrypted and then carries out sign test, otherwise directly carry out sign test, after sign test success, message data is sent to protocol adaptation module 3.In the present embodiment, adopt 128 private keys of unified payment access gateway to be decrypted, then use trade company's end to carry out sign test at unified 128 PKIs that access gateway is reserved that pay.
After the payment request information of protocol adaptation module 3 after receiving deciphering, payment mode coding is extracted from the payment request information after deciphering, in the modes of payments coding schedule prestored, inquiry obtains payment mode corresponding to this payment request and corresponding Third-party payment interface, according to the message protocol transfer algorithm of correspondence, original payment request message and payment verification message are converted to reconstruct message according to the message format of the Third-party payment interface defined of correspondence, payment mode, Third-party payment interface index and reconstruct message are sent to payment processes module 4.
The payment channel of current more use has Alipay, micro-letter to pay, pays repeatedly, Unionpay's line pays, and more popular payment mode comprises that B2C pays, fast to pay, bank withholds, barcode scanning pays, WAP pays.When carrying out message format conversion, the message format transfer algorithm adopted in the present embodiment is: unified payment interface message field (MFLD) is set up corresponding relation with the request message field of payment interface in corresponding Third-party payment platform, for field that cannot be corresponding, as: digital signature field, message informing etc., adopt precoded form that fixed data value or fixing algorithm are set, thus realize protocol conversion.
The payment information that payment processes module 4 is responsible for unified payment gateway receives from client and Third-party payment platform carries out processing and sends, and mainly comprises:
(1) pre-service is paid: after receiving payment mode, Third-party payment interface index and reconstruct message, business according to user preset processes this request, such as send advise for payments to access client or related service system, write payment record etc. in advance;
(2) judge the execution pattern of payment mode, and according to the Third-party payment interface packets encryption and decryption rule of correspondence, the message after conversion is encrypted, then by Third-party payment interface, message after encryption is sent to Third-party payment platform.
(3) the result message of Third-party payment platform feedback is received, be decrypted and resolve, determine if processed according to the execution pattern of this payment mode: if the payment mode of this request is foreground mode, then from result message, extract page address, build according to the message format communicated with unified payment interface and feed back message, send to unified payment interface.Page address in result message mainly comprises two kinds, and for payment request message, the page address in result message, for paying page address, inputs payment verification information for consumer; For payment verification message, the page address in result message is for paying whether success page address, and object is the whether success of notice consumer payment.If the payment mode of this request is background mode, then result message is built according to the message format communicated with unified payment interface and feed back message, send to unified payment interface.
In addition, for the ease of process and the clearing of account, payment processes module 4 is after the effective information extracting payment processes result, if payment processes result is for pay successfully, then paying according to transaction journal number the payment request extracting correspondence in request record, send to accounting process systems, otherwise do not operate.
Known according to above explanation, the unified of multiple payment channel pays access gateway to adopt the present invention to support, access vendor end only needs the payment request comprising payment mode coding to send to unified payment access gateway, unified payment connects gateway just can select correspondence operation according to payment mode coding, from the corresponding Third-party payment platform that is dynamically connected, enable access trade company more easily by a client, realize multiple payment mode and multiple Third-party payment passage.And the present invention also can good conformity in cross-platform demand, can use on POS, mobile phone, webpage, PC simultaneously, configuration one is only needed to access client SDK bag, then unified payment interface uses interconnected network mode to receive and send messages, and makes access client can connect gateway with unified payment and carries out communicating.
In order to technical scheme of the present invention is described better, below for B2C payment, illustrate that the present invention supports the unified course of work paying access gateway of multiple payment channel.Fig. 2 is the process flow diagram adopting the present invention to carry out B2C payment.As shown in Figure 2, the concrete steps adopting the present invention to carry out B2C payment comprise:
S1: the unified payment gateway page that electronic commercial is shown on the client fills in payment information, comprises payment mode coding, and payment information composition is paid request message by client, is sent to unified payment interface after encryption.
S2: unified payment interface receives and pays request message, is transmitted to decryption processing module.
S3: decryption processing module is decrypted payment request message, and verifies legitimacy and form, and the payment request after deciphering is sent to protocol adaptation module.
S4: protocol adaptation module extracts payment mode coding from the payment request after deciphering, inquiry obtains corresponding payment mode, i.e. B2C payment mode, and inquiry obtains corresponding Third-party payment interface, payment request message is converted to the payment request message of reconstruct according to the message format of the defined of the Third-party payment interface of correspondence, payment mode, Third-party payment interface index and reconstruct message are sent to payment processes module;
S5: payment processes module judges the execution pattern of B2C payment mode, be assumed to foreground mode herein, first follow and detect the need of carrying out transaction pre-service according to service configuration information, according to the Third-party payment interface packets encryption rule of correspondence, the payment request message after conversion is encrypted, then by Third-party payment interface, the payment request message message after encryption is sent to Third-party payment platform.
S6: Third-party payment platform processes payment request message, and result message is fed back to payment processes module.
S7: payment processes module receives the result message of Third-party payment platform feedback, be decrypted and resolve, because the payment mode of this request is foreground mode, then extract from result message and pay page address, build according to the message format communicated with unified payment interface and feed back message, send to unified payment interface.
S8: unified payment interface will comprise payment page address feedback message and send to access vendor end.
S9: fill in payment verification information in the payment webpage that consumer is shown on access vendor end, as: bank's card number, password or quick payment information, access vendor end, by payment verification information architecture payment verification message, sends to unified payment interface after encryption.Then the same with payment request message, send to Third-party payment platform by the flow process of step S2 to step S5, its process repeats no more.
S10: Third-party payment platform returns result message to access vendor end, and its process is consistent with step S6 to S8, repeats no more.Be assumed to herein and pay successfully, so access vendor end and can show payment success page.
In above example, B2C pays is foreground mode, and for the payment mode adopting background mode, its difference is in the step s 7, does not need to send page address, and only needs feedback payment processes result.
It should be noted that; more than be described with reference to the accompanying drawings principle of work of the present invention; but those skilled in the art it is to be appreciated that; embodiment is only, for demonstration, the present invention is described; instructions is only that protection scope of the present invention is not limited to instructions for explaining claims.Anyly be familiar with those skilled in the art in technical scope disclosed by the invention, the change that can expect easily or replacement, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of claims.
Claims (4)
1. support that the unified of multiple payment channel pays an access gateway, it is characterized in that, comprise unified payment interface, decryption processing module, protocol adaptation module, payment processes module, wherein:
Unified payment interface receives the payment request message comprising payment mode coding and payment verification message from accessing vendor end, and the legitimacy of checking message format and form, send to decryption processing module by message after checking is correct; Receive the feedback message that payment processes module sends, send to access vendor end;
Decryption processing module receives payment request message and the payment verification message of unified payment interface forwarding, if be encryption mode with the communication pattern of access vendor end, then message is decrypted and then carries out sign test, otherwise directly carry out sign test, after sign test success, message data is sent to protocol adaptation module;
Protocol adaptation module extracts payment mode coding from the payment request message after deciphering and payment verification message, in the modes of payments coding schedule prestored, inquiry obtains payment mode corresponding to this message and corresponding Third-party payment interface, original payment request message and payment verification message are converted to reconstruct message according to the message format of the defined of the Third-party payment interface of correspondence, payment mode, Third-party payment interface index and reconstruct message are sent to payment processes module;
Payment processes module is after receiving the payment mode of protocol adaptation module transmission, Third-party payment interface index and reconstruct message, first according to the business of user preset, pre-service is carried out to this request, comprise record payment record, send advise for payments, then judge that the payment mode that this is asked is foreground mode or background mode, and according to the Third-party payment interface packets encryption rule of correspondence, reconstruct message is encrypted, then by Third-party payment interface, message after encryption is sent to Third-party payment platform; Receive the result message of Third-party payment platform feedback, be decrypted and resolve, if the payment mode of this request is foreground mode, then from result message, extract page address, build according to the message format communicated with unified payment interface and feed back message, send to unified payment interface, if the payment mode of this request is background mode, then result message is built according to the message format communicated with unified payment interface and feed back message, send to unified payment interface.
2. unified payment access gateway according to claim 1, it is characterized in that, described unified payment interface adopts communication to receive and send messages.
3. unified payment access gateway according to claim 1, it is characterized in that, the method of described message format conversion is: by the message field (MFLD) one_to_one corresponding of each field in unified payment interface message with Third-party payment platform, the mode of the field employing precoding of correspondence completely can not arrange fixed data value or fixing algorithm assignment.
4. unified payment access gateway according to claim 1, it is characterized in that, described payment processes module is after the effective information extracting payment processes result, if payment processes result is for pay successfully, then in the request of payment is recorded, extract corresponding payment request according to transaction journal number, send to accounting process systems.
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