CN105608569A - Paying-for-another method based on payment platform and payment platform - Google Patents
Paying-for-another method based on payment platform and payment platform Download PDFInfo
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- CN105608569A CN105608569A CN201410680812.5A CN201410680812A CN105608569A CN 105608569 A CN105608569 A CN 105608569A CN 201410680812 A CN201410680812 A CN 201410680812A CN 105608569 A CN105608569 A CN 105608569A
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Abstract
The embodiment of the invention discloses a paying-for-another method based on a payment platform and the payment platform. The method comprises steps: after the payment platform receives a paying-for-another request initiated by an account of a user, the paying-for-another request is recorded, wherein the paying-for-another request comprises information of a third-party account; a paying-for-another confirmation interface correlated with the account is generated; according to the address of the paying-for-another confirmation interface, a confirmation prompt link is generated; a short message platform is requested to send a confirmation short message to a mobile phone correlated with the account, wherein the confirmation short message comprises the confirmation prompt link; a paying-for-another confirmation message or a paying-for-another cancellation message sent from the paying-for-another confirmation interface linked with the confirmation prompt link is received; and when the paying-for-another confirmation message is received, a paying-for-another request short message is sent to the mobile phone correlated with the third-party account. The phenomenon that the third party suffers from losses due to a false paying-for-another request as the user account is stolen can be prevented, the paying-for-another confirmation process is more concise and quicker, the cost is saved, and the paying-for-another treatment efficiency is improved.
Description
Technical field
The present invention relates to software technology field, relate in particular to a kind of method of paying out and payment platform based on payment platform.
Background technology
Along with internet is penetrated into the links of life and work, network payment also becomes people's main means of payment. ?Paying platform is the base support and application support technology platform of network payment, is also the middleware in internet business process.In the time concluding the business, user initiates payment request by the account of registering on payment platform to payment platform, payment platformPayment amount by comprising in payment request, Payment Methods, the means of payment (account balance payment, bank card payment etc.),The information such as Send only Account and collecting account is paid the bill to beneficiary.
Wherein, the Payment Methods of payment platform comprise direct payment and paying out, and direct payment is the account that is used oneself by userFamily is directly to beneficiary payment, and paying out is that user's requesting third-party is paid the bill to beneficiary. What payment platform was general pays out placeReason flow process, for receiving after the request of paying out, according to the third party's information in the request of paying out, is sent out to third party by SMS platformSend and pay out note, and in paying party account and third party's account, generate and pay out order respectively, third party receives and pays out noteAfter, operate and pay out order and complete and pay out by third party.
The general handling process of paying out, because user initiates to pay out after request, payment platform directly according to the request of paying out to theTripartite sends note request and pays out, and in the time that user account is stolen, may cause third party because receive false request generationPay note and cause any property loss. For improving the security of paying out, existing way is taking SMS platform as middle bridge,Send confirmation note to user, reply confirmation note by user, the short message that SMS platform is replied user is sent to and props upPay platform, the note judgement that payment platform is replied according to user is again confirmed when time paying out or cancelling when time paying out. But thisUnder mode, can be to user's answer short message limiting content and form, user confirms when note usually because of input error replyingAnd have to carry out multi-pass operation, and confirm that link reuses SMS platform, not only make to pay out flow process loaded down with trivial details, also increaseAdd the cost of user and payment platform.
Summary of the invention
For simplifying the process of paying out based on payment platform, the application provides a kind of method of paying out and payment based on payment platformPlatform.
According to the first aspect of the embodiment of the present application, a kind of method of paying out based on payment platform is provided, comprising:
Payment platform receives paying out after request that user's account initiates, pays out request described in record, described in pay out requestThe information that comprises third party's account;
Generate the confirmation associated with described account and pay out interface;
The address of paying out interface according to described confirmation generates confirmation prompting link;
Request SMS platform sends and confirms note to the mobile phone associated with described account, and described confirmation note comprises described confirmationPrompting link;
The confirmation that reception is received from described confirmation prompting chain link is paid out the confirmation of interface transmission and is paid out message or cancel generationPay message;
When receive for described confirmation is while paying out message, send request and pay out to the mobile phone associated with described third party's accountNote.
Optionally, the described method of paying out based on payment platform, also comprises:
When receive for described confirmation is while paying out message, generate associated with described third party's account according to the described request of paying outPay out interface;
Generate and pay out link according to described address of paying out interface, described in pay out link and be contained in described request and pay out noteIn.
Optionally, the described method of paying out based on payment platform, also comprises:
When receive for described confirmation is while paying out message, generate Quick Response Code according to the described request of paying out, described Quick Response Code is usedIn carrying out Quick Response Code payment, described Quick Response Code is contained in described request and pays out in note.
Optionally, the described method of paying out based on payment platform, also comprises:
When receive for described confirmation is while paying out message, generate Quick Response Code according to the described request of paying out, described Quick Response Code is usedIn carrying out Quick Response Code payment;
Generate two-dimension code image according to described Quick Response Code, described two-dimension code image is contained in described request and pays out in note.
Optionally, described based on the paying out in method of payment platform, described confirmation is paid out interface and is comprised confirmation operation interfaceWith cancellation operation interface, described confirmation operation interface is for sending and confirm to pay out message to payment platform, and described cancellation operatesDeciphering is paid out message for sending to cancel to payment platform, and described confirmation prompting link comprises to be confirmed link and cancels link,Described confirmation chain link is received described confirmation operation interface, described in cancel link and be linked to described cancellation operation interface.
Corresponding to the first aspect of the embodiment of the present application, according to the second aspect of the embodiment of the present application, provide a kind of payment to put downPlatform, comprising:
Pay out request reception unit, the request of paying out of initiating for receiving account, described in the request of paying out comprise third party's accountThe information at family;
Pay out request record cell, described in recording, pay out request;
Confirm to pay out interface generation unit, pay out interface for generating the confirmation associated with described account;
Confirm prompting link generation unit, generate confirmation prompting link for pay out the address at interface according to described confirmation;
Confirm that note sends request unit, short for asking SMS platform to send confirmation to the mobile phone associated with described accountLetter, described confirmation note comprises described confirmation prompting link;
Message sink unit, pays out for receiving the confirmation of receiving from described confirmation prompting chain link the confirmation generation that interface sendsPay message or cancellation and pay out message;
Pay out note transmitting element, for receive when message sink unit for described confirmation is while paying out message, Xiang YusuoThe mobile phone of stating the association of third party's account sends request pays out note.
Optionally, described payment platform, also comprises:
Pay out interface generation unit, for receive when message sink unit for described confirmation is while paying out message, according to instituteState the request of paying out and generate the pay out interface associated with described third party's account;
Pay out link generation unit, pay out link for the address generation of paying out interface described in basis,
Wherein, described in, paying out link pays out in note described in being contained in.
Optionally, described payment platform, also comprises:
Quick Response Code generation unit, for receive when message sink unit for described confirmation is while paying out message, according to describedThe request of paying out generates Quick Response Code, and described Quick Response Code is used for carrying out Quick Response Code payment,
Described Quick Response Code is contained in described request and pays out in note.
Optionally, described payment platform, also comprises:
Quick Response Code generation unit, for receive when message sink unit for described confirmation is while paying out message, according to describedThe request of paying out generates Quick Response Code, and described Quick Response Code is used for carrying out Quick Response Code payment;
Two-dimension code image generation unit, for generating two-dimension code image according to described Quick Response Code,
Described two-dimension code image is contained in described request and pays out in note.
Optionally, in described payment platform, described confirmation is paid out confirmation that interface generation unit generates and is paid out interface and compriseConfirm operation interface and cancel operation interface, described confirmation operation interface is used for sending and confirming to pay out message to payment platform,Described cancellation operation deciphering is paid out message for sending to cancel to payment platform, and described confirmation prompting link generation unit generatesConfirmation prompting link comprise and confirm link and cancel link, described confirmation chain link is received described confirmation operation interface, instituteStating cancels link is linked to described cancellation operation interface.
The technical scheme that the embodiment of the present application provides can comprise following beneficial effect: pass through to register in payment platform userAccount initiate to pay out after request to payment platform, before notifying third party to pay out, add and pay out claimant and confirm link,Send and confirm note to the mobile phone of paying out claimant by payment platform, pay out after claimant crosses confirmation SMS confirmation and this time pay outPayment platform just sends and pays out notice to third party, thus prevent user account make after stolen third party because of paying out of falseness pleaseAsk and suffer a loss. And the method for paying out based on payment platform that provides of the embodiment of the present application, in note, insert confirmingConfirm prompting link, user's operation acknowledgement prompting link just can directly be opened and be confirmed that paying out interface confirms, compares normalThe message reply of rule is confirmed mode, and user's operation still less, and has been omitted and used SMS platform to receive the note that user replysAnd the short message that user is replied sends to the process of payment platform, not only make to pay out confirmation process more convenient, succinctFast, also reduce the use to SMS platform, be conducive to cost-savingly, improved and pay out treatment effeciency.
Should be understood that, it is only exemplary and explanatory that above general description and details are hereinafter described, can notRestriction the application.
Brief description of the drawings
In order to be illustrated more clearly in the embodiment of the present application or technical scheme of the prior art, below will be to embodiment or existingIn technical description, the accompanying drawing of required use is briefly described, apparently, for those of ordinary skill in the art andSpeech, is not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is the schematic flow sheet of a kind of method of paying out based on payment platform shown in the application's one exemplary embodiment.
Fig. 2 is the flow process signal of a kind of method of paying out based on payment platform shown in another exemplary embodiment of the applicationFigure.
Fig. 3 is the flow process signal of a kind of method of paying out based on payment platform shown in the another exemplary embodiment of the applicationFigure.
Fig. 4 is the flow process signal of a kind of method of paying out based on payment platform shown in the another exemplary embodiment of the applicationFigure.
Fig. 5 is the block diagram of a kind of payment platform shown in the application's one exemplary embodiment.
Fig. 6 is the block diagram of a kind of payment platform shown in another exemplary embodiment of the application.
Fig. 7 is the block diagram of a kind of payment platform shown in the another exemplary embodiment of the application.
Fig. 8 is the block diagram of a kind of payment platform shown in the another exemplary embodiment of the application.
Detailed description of the invention
Here will at length describe exemplary embodiment, its sample table shows in the accompanying drawings. Description below relates to attachedWhen figure, unless separately there is expression, the same numbers in different accompanying drawings represents same or analogous key element. Exemplary enforcement belowEmbodiment described in example does not represent all embodiments consistent with the application. On the contrary, they be only with asThe example of the consistent system and method in some aspects that describe in detail in appended claims, the application.
For complete understanding the application, mention in the following detailed description numerous concrete details, but art technologyPersonnel should be appreciated that, the application can realize without these details. In other embodiments, be not described in detail public affairsMethod, process, assembly and the system known, in order to avoid unnecessarily cause embodiment fuzzy.
According to the first aspect of the embodiment of the present application, provide a kind of method of paying out based on payment platform. Fig. 1 is the applicationThe schematic flow sheet of a kind of method of paying out based on payment platform shown in one exemplary embodiment, as shown in Figure 1, described inMethod comprises:
Step S101, payment platform receives paying out after request that account initiates, pays out request described in record, described in pay outThe information that request comprises third party's account.
Wherein, user is by concluding the business in the account of payment platform registration, and in the time that needs are paid the bill, Payment Methods are selected to pay out,Described account initiates to payment platform the request of paying out. Conventionally information that the request of paying out all comprises user's oneself account, payThe money amount of money, time limit of payment, and the information of third party's account etc., described third party's account is the requested user's who pays outAccount comprises the phone number associated with described account, the letter of third party's account in the information of user's oneself account simultaneouslyIn breath, comprise the phone number associated with described third party's account. Payment platform receives paying out after request of account initiation,Described in record, pay out request, also can generate and pay out order simultaneously, described in pay out that order there will be in user's oneself account andIn the payment order list of third party's account.
Step S102, generates the confirmation associated with described account and pays out interface.
Wherein, payment platform is being paid out described in receiving after request, generates and confirms to pay out interface. Interface is paid out in described confirmationFor providing to user the interactive interface of confirming to pay out operation, because payment platform can be browsed by browser conventionallyOperation, also can be browsed and be operated by the payment platform APP being arranged on user mobile phone, and therefore boundary is paid out in described confirmationFace can be the webpage that uses browser to open, also can be for using the payment platform APP on the mobile phone that is arranged on user (to answerBy program) application interface opened. It can be independent webpage or application interface that interface is paid out in described confirmation, for example,ACK button or cancel button are concentrated on a webpage or application interface, and user clicks ACK button can confirm thisInferior paying out, clicks cancel button and cancels this time and paying out; It can be also confirmation operation circle separately that interface is paid out in described confirmationFace and cancellation operation interface, for example, be arranged at confirmation operation interface by ACK button, and cancel button is arranged at and cancels behaviourDo interface, described confirmation operation interface and cancellation operation interface can be webpage or application interface. Confirm to pay out interface rawCheng Hou, simultaneously for confirming to pay out interfacial distribution address, described address can be web page address or use payment platform APPThe call address of opening, when confirming to pay out interface and be confirmation operation interface separately and cancelling operation interface, is respectively confirmationOperation interface and cancellation operation interface distribute address.
Step S103, the address of paying out interface according to described confirmation generates confirmation prompting link.
Wherein, confirm to pay out after the address assignment at interface, according to confirming that the address of paying out interface generates confirmation prompting link.In the time confirming that paying out interface is independent webpage or application interface, correspondingly only need to generate one and confirm prompting link; WhenWhen confirming to pay out interface and be confirmation operation interface separately and cancelling operation interface, correspondingly, confirm that prompting link is divided into twoBar, the confirmation link generating according to the address of confirming operation interface, and getting according to the address generation of cancellation operation interfaceDestroy chain connects. Described confirmation prompting link can directly be shown as corresponding address, also can be shown as prompt text or figureSheet.
Step S104, request SMS platform sends and confirms note, described confirmation note bag to the mobile phone associated with described accountContaining described confirmation prompting link.
Wherein, after confirming that prompting link generates, payment platform sends request to connected SMS platform, described askingAsk for confirm note send request, during described confirmation note sends request, comprise the cellphone information associated with described account andDescribed confirmation prompting link, after SMS platform receives described confirmation note and sends request, to the hand associated with described accountMachine, i.e. the mobile phone associated with the account of initiating the request of paying out, sends the confirmation note that comprises described confirmation prompting link. InstituteState and confirm that note can also comprise other explanations and suggestion content. User clicks to confirm to link and will call browser or paymentPlatform APP opens confirmation operation interface, and user clicks and cancels link and will call browser or payment platform APP opensCancel operation interface. If conventionally browser or payment platform APP have preserved user and have logined the cookies of payment platform,Confirm operation interface and cancel operation interface directly to show, step on if browser or payment platform APP do not preserve userThe cookies of record payment platform, can first show user's login interface, after user's login, shows and confirms operation interface and getOperation interface disappears.
Step S105, receive the confirmation of receiving from described confirmation prompting chain link pay out confirmation that interface sends pay out message orMessage is paid out in person's cancellation.
Wherein, confirm after note when user receives, click the confirmation prompting link in note, make mobile phone interface jump to instituteState and confirm that the confirmation of receiving of prompting chain link pays out interface. User's operation acknowledgement is paid out the operation for confirming to pay out in interfaceQu Hou, for example, click after ACK button, confirms to pay out interface and send and confirm to pay out message to payment platform; User operates reallyRecognize and pay out in interface for cancelling behind the operating space of paying out, for example, click after cancel button, confirm to pay out interface flat to payingPlatform sends to cancel pays out message. If confirm that prompting is linked as two, is respectively and confirms link and cancel link, Yong HudianHit and confirm link, mobile phone interface jumps to the confirmation operation interface that described confirmation chain link is received, user's operation acknowledgement behaviourDo in interface for behind the operating space of confirming to pay out, for example, to click after ACK button, confirm that operation interface sends out to payment platformSend and confirm to pay out message; User clicks and cancels link, the mobile phone interface cancellation behaviour who is linked to that cancels link described in jumping toDo interface, user operates and cancels in operation interface for cancelling behind the operating space of paying out, for example, click after cancel button, getsThe operation interface that disappears sends and confirms to pay out message to payment platform.
It should be noted that, the method for paying out based on payment platform that the embodiment of the present application provides towards be can to showLink carry out the mobile phone of trigger action, be mainly touch-screen mobile phone, thereby user can pass through action link, for example, clickLink, makes mobile phone interface jump to interface corresponding to link.
Step S106, when receive for described confirmation is while paying out message, send out to the mobile phone associated with described third party's accountSend request to pay out note.
Wherein, payment platform receives described confirmation while paying out message, the hand by SMS platform to the association of third party's accountMachine sends request pays out note, and described request is for example paid out note, for notify the current relevant information of paying out to third party,Requestor, the payment amount of paying out, time limit of payment, confirmation etc. If what payment platform received disappears for cancelling paying outBreath, can not do any action, and the current nature of paying out cannot complete, but in this case in the database of payment platformCan a large amount of invalid the paying out requests of accumulation, pay out the data such as order, therefore, payment platform can be paid out receiving cancellationAfter message, the request of paying out of deletion record, closes or deletes and pay out order, to save space and resource.
Third party's request of receiving is paid out after note, can login voluntarily payment platform, orders by operating paying out in its accountSingly complete and pay out payment.
The method of paying out based on payment platform that the embodiment of the present application provides, passes through in the account of payment platform registration userInitiate to pay out after request to payment platform, before notifying third party to pay out, add and pay out claimant and confirm link, byPayment platform sends and confirms note to the mobile phone of paying out claimant, and user this time pays out rear payment and puts down by confirming SMS confirmationPlatform just sends and pays out notice to third party, thereby prevents that user account from making after stolen third party meet with because of the request of paying out of falsenessSuffer a loss. And conventional message reply is confirmed mode, be to reply described confirmation note after user receives confirmation note,The short message of user being replied by SMS platform sends to service platform, then the note of being replied by service platform analysis userInformation, confirms or carries out associative operation according to the result of analyzing, and the embodiment of the present application provides based on payment platformThe method of paying out, insert and confirm prompting link in note confirming, user's operation acknowledgement prompting link just can directly be openedConfirm to pay out interface and confirm, user does not need to carry out message reply, and has omitted and reuse SMS platform and receive userThe note of replying the short message that user is replied send to payment platform, and the reply of payment platform analysis user is shortThe step of letter information, not only makes to pay out confirmation process more convenient, accurate, succinct and quick, has also reduced note flatThe use of platform, is conducive to cost-savingly, improves and pays out treatment effeciency.
Fig. 2 is the flow process signal of a kind of method of paying out based on payment platform shown in another exemplary embodiment of the applicationFigure, as shown in Figure 2, described method comprises:
Step S201, payment platform receives paying out after request that account initiates, pays out request described in record, described in pay outThe information that request comprises third party's account;
Step S202, generates the confirmation associated with described account and pays out interface;
Step S203, the address of paying out interface according to described confirmation generates confirmation prompting link;
Step S204, request SMS platform sends and confirms note, described confirmation note bag to the mobile phone associated with described accountContaining described confirmation prompting link;
Step S205, receive the confirmation of receiving from described confirmation prompting chain link pay out confirmation that interface sends pay out message orMessage is paid out in person's cancellation;
Step S206, when receive for described confirmation is while paying out message, generate and the described the 3rd according to the described request of paying outSide's account association pay out interface;
Step S207, generates and pays out link according to described address of paying out interface;
Step S208, sends request and pays out note to the mobile phone associated with described third party's account, and described request is paid out noteIn pay out link described in comprising.
Wherein, step S201 is identical to step S105 with step S101 to step S205.
Wherein, when payment platform, from confirming to pay out, interface receives when confirming to pay out message, please according to paying out of recordSeek survival into and pay out interface, described in to pay out interface associated with third party's account, for providing and pay out associative operation to userInteractive interface, user pays out interface by operation and completes and pay out payment. Generation is paid out behind interface, is the described interface of paying outDistribute address, described address can be browser address, with open webpage version payment platform pay out interface, also canFor supplying to be installed on the address that the payment platform APP in third party's mobile phone calls, to open the boundary that pays out of payment platform APPFace. Payment platform according to described in pay out interface address generate and pay out link, described in pay out link can directly be shown as rightThe address of answering, also can be shown as prompt text or picture. Describedly pay out link and be contained in described request and pay out in noteBe sent to the mobile phone of third party's account association by SMS platform by payment platform.
Third party's request of receiving is paid out after note, and the link of paying out in note is paid out in the request of click, and its mobile phone interface jumps toDescribedly pay out the interface of paying out that chain link receives, described in pay out interface and can pay out interface for conventional payment platform, the 3rdSide can complete and pays out payment paying out the enterprising line operate in interface.
Pay out link by paying out in request in note to insert, receive and pay out interface by paying out chain link, enter for third partyRow is paid out operation, can make the payment of paying out of third party's more convenient and quicker, improves and pays out efficiency.
Fig. 3 is the flow process signal of a kind of method of paying out based on payment platform shown in the another exemplary embodiment of the applicationFigure, as shown in Figure 3, described method comprises:
Step S301, payment platform receives paying out after request that account initiates, pays out request described in record, described in pay outThe information that request comprises third party's account;
Step S302, generates the confirmation associated with described account and pays out interface;
Step S303, the address of paying out interface according to described confirmation generates confirmation prompting link;
Step S304, request SMS platform sends and confirms note, described confirmation note bag to the mobile phone associated with described accountContaining described confirmation prompting link;
Step S305, receive the confirmation of receiving from described confirmation prompting chain link pay out confirmation that interface sends pay out message orMessage is paid out in person's cancellation;
Step S306, when receive for described confirmation is while paying out message, generate Quick Response Code, institute according to the described request of paying outState Quick Response Code for carrying out Quick Response Code payment;
Step S307, sends request and pays out note to the mobile phone associated with described third party's account, and described request is paid out noteIn comprise described Quick Response Code.
Wherein, step S301 is identical to step S105 with step S101 to step S305.
Wherein, when receiving the confirmation, payment platform pays out confirmation that interface sends while paying out message, according in the request of paying outAccounts information and third party's accounts information etc. that payment amount, request are paid out, generate the Quick Response Code for paying, userScan described Quick Response Code and can complete payment. Described Quick Response Code generation can use the life of conventional payment Quick Response CodeOne-tenth method. The Quick Response Code generating is contained in described request and pays out in note, is sent to the by payment platform by SMS platformThe mobile phone of tripartite's account association. Third party uses the other mobile phone that the account on payment platform is associated with it or flat boardEtc. terminal, scan received Quick Response Code, just can complete payment.
Because the scanning of Quick Response Code is completed by camera, the camera of mobile phone cannot scanning cell phone itself, and third party can only makeBy terminals such as the other mobile phone that the account on payment platform is associated with it or flat boards, scan and pay out two in noteDimension code is paid out payment. But the mobile phone of current most of model has configured picture scanning function, and in can scanned pictureQuick Response Code realize correlation function. Fig. 4 is that a kind of shown in the another exemplary embodiment of the application is based on payment platformPay out the schematic flow sheet of method, as shown in Figure 4, described method comprises:
Step S401, payment platform receives paying out after request that account initiates, pays out request described in record, described in pay outThe information that request comprises third party's account;
Step S402, generates the confirmation associated with described account and pays out interface;
Step S403, the address of paying out interface according to described confirmation generates confirmation prompting link;
Step S404, request SMS platform sends and confirms note, described confirmation note bag to the mobile phone associated with described accountContaining described confirmation prompting link;
Step S405, receive the confirmation of receiving from described confirmation prompting chain link pay out confirmation that interface sends pay out message orMessage is paid out in person's cancellation;
Step S406, when receive for described confirmation is while paying out message, generate Quick Response Code, institute according to the described request of paying outState Quick Response Code for carrying out Quick Response Code payment;
Step S407, generates two-dimension code image according to described Quick Response Code;
Step S408, sends request and pays out note to the mobile phone associated with described third party's account, and described request is paid out noteIn comprise described two-dimension code image.
Wherein, step S401 is identical to step S105 with step S101 to step S405.
Wherein, when payment platform receives the confirmation while paying out message, pay out according to the payment amount in the request of paying out, requestAccounts information and third party's accounts information etc., generate the Quick Response Code for paying, and then generates according to described Quick Response CodeTwo-dimension code image, is inserted into request by described two-dimension code image and pays out in note, by SMS platform, the hand to third party occursMachine. Third party receives with the request of two-dimension code image and pays out after note, can first preserve described two-dimension code image, thenIn the scanned picture of use mobile phone, two-dimension code image described in the functionality scan of Quick Response Code, completes and pays out payment.
Payment is inserted into request by Quick Response Code or two-dimension code image and pays out in note, third party only need be scanned described two dimensionCode or two-dimension code image just can complete and pay out payment, have saved to a great extent and have paid out operating procedure, make to pay out to payMoney is more convenient.
By the description of above embodiment of the method, those skilled in the art can be well understood to the application and can borrowThe mode that helps software to add essential general hardware platform realizes, and can certainly pass through hardware, but in a lot of situation the formerIt is better embodiment. Based on such understanding, the application's technical scheme is made prior art in essence in other wordsThe part of contribution can embody with the form of software product, and is stored in a storage medium, comprises some instructionsCarry out all or part of step of method described in each embodiment of the application in order to make smart machine. And aforesaid depositingStorage media comprises: read-only storage (ROM), random access memory (RAM), magnetic disc or CD etc. are various canWith the medium of storage data and program code.
Corresponding to the first aspect of the embodiment of the present application, according to the second aspect of the embodiment of the present application, provide a kind of payment to put downPlatform. Fig. 5 is the block diagram of a kind of payment platform shown in the application's one exemplary embodiment. As shown in Figure 5, described paymentPlatform comprises:
Pay out request reception unit U501, the request of paying out of initiating for receiving account, described in the request of paying out comprise theThe information of tripartite's account;
Pay out request record cell U502, described in recording, pay out request;
Confirm to pay out interface generation unit U503, generate the confirmation associated with described account for the request of paying out described in basisPay out interface;
Confirm prompting link generation unit U504, generate confirmation prompting chain for pay out the address at interface according to described confirmationConnect;
Confirm that note sends request unit U505, for asking SMS platform to send really to the mobile phone associated with described accountRecognize note, described confirmation note comprises described confirmation prompting link;
Message sink unit U506, pays out for receiving the confirmation of receiving from described confirmation prompting chain link that interface sendsMessage is paid out in confirmation or message is paid out in cancellation;
First pays out note transmitting element U507, pays out message for what receive when message sink unit for described confirmationTime, send request and pay out note to the mobile phone associated with described third party's account.
Wherein, described confirmation is paid out confirmation that interface generation unit generates and is paid out interface and comprise and confirm operation interface and cancel behaviourDo interface, described confirmation operation interface is for sending and confirm to pay out message to payment platform, and described cancellation operation deciphering is used forSend to cancel to payment platform and pay out message,
The confirmation prompting link of described confirmation prompting link generation unit generation comprises to be confirmed link and cancels link, described trueRecognize chain link and receive described confirmation operation interface, described in cancel link and be linked to described cancellation operation interface.
Described confirmation note sends request unit and sends and confirm that note sends request to the SMS platform being connected with payment platform,During described confirmation note sends request, comprise the cellphone information associated with described account and described confirmation prompting and link, noteAfter platform receives described confirmation note and sends request, after SMS platform receives described confirmation note and sends request, toThe mobile phone of described account association, sends the confirmation note that comprises described confirmation prompting link.
Fig. 6 is the block diagram of a kind of payment platform shown in another exemplary embodiment of the application. As shown in Figure 6, describedPaying platform comprises:
Pay out request reception unit U601, the request of paying out of initiating for receiving account, described in the request of paying out comprise theThe information of tripartite's account;
Pay out request record cell U602, described in recording, pay out request;
Confirm to pay out interface generation unit U603, generate the confirmation associated with described account for the request of paying out described in basisPay out interface;
Confirm prompting link generation unit U604, generate confirmation prompting chain for pay out the address at interface according to described confirmationConnect;
Confirm that note sends request unit U605, for sending really to the mobile phone associated with described account by SMS platformRecognize note, described confirmation note comprises described confirmation prompting link;
Message sink unit U606, pays out for receiving the confirmation of receiving from described confirmation prompting chain link that interface sendsMessage is paid out in confirmation or message is paid out in cancellation;
Pay out interface generation unit U607, for receive when message sink unit for described confirmation is while paying out message,Generate the pay out interface associated with described third party's account according to the described request of paying out;
Pay out link generation unit U608, pay out link for the address generation of paying out interface described in basis;
Second pays out note transmitting element U609, and send request and pay out note to the mobile phone associated with described third party's account,The described note of paying out is paid out link described in comprising.
Payment platform pays out to described the operation of paying out interface that chain link is received according to user, completes and pays out payment.
Fig. 7 is the block diagram of a kind of payment platform shown in the another exemplary embodiment of the application. As shown in Figure 7, describedPaying platform comprises:
Pay out request reception unit U701, the request of paying out of initiating for receiving account, described in the request of paying out comprise theThe information of tripartite's account;
Pay out request record cell U702, described in recording, pay out request;
Confirm to pay out interface generation unit U703, generate the confirmation associated with described account for the request of paying out described in basisPay out interface;
Confirm prompting link generation unit U704, generate confirmation prompting chain for pay out the address at interface according to described confirmationConnect;
Confirm that note sends request unit U705, for asking SMS platform to send really to the mobile phone associated with described accountRecognize note, described confirmation note comprises described confirmation prompting link;
Message sink unit U706, pays out for receiving the confirmation of receiving from described confirmation prompting chain link that interface sendsMessage is paid out in confirmation or message is paid out in cancellation;
Quick Response Code generation unit U707, for receive when message sink unit for described confirmation is while paying out message, rootGenerate Quick Response Code according to the described request of paying out, described Quick Response Code is used for carrying out Quick Response Code payment;
The third generation is paid note transmitting element U708, and send request and pay out note to the mobile phone associated with described third party's account,The described note of paying out comprises described Quick Response Code.
Fig. 8 is the block diagram of a kind of payment platform shown in the another exemplary embodiment of the application. As shown in Figure 8, describedPaying platform comprises:
Pay out request reception unit U801, the request of paying out of initiating for receiving account, described in the request of paying out comprise theThe information of tripartite's account;
Pay out request record cell U802, described in recording, pay out request;
Confirm to pay out interface generation unit U803, generate the confirmation associated with described account for the request of paying out described in basisPay out interface;
Confirm prompting link generation unit U804, generate confirmation prompting chain for pay out the address at interface according to described confirmationConnect;
Confirm that note sends request unit U805, for asking SMS platform to send really to the mobile phone associated with described accountRecognize note, described confirmation note comprises described confirmation prompting link;
Message sink unit U806, pays out for receiving the confirmation of receiving from described confirmation prompting chain link that interface sendsMessage is paid out in confirmation or message is paid out in cancellation;
Quick Response Code generation unit U807, for receive when message sink unit for described confirmation is while paying out message, rootGenerate Quick Response Code according to the described request of paying out, described Quick Response Code is used for carrying out Quick Response Code payment;
Two-dimension code image generation unit U808, for generating two-dimension code image according to described Quick Response Code;
The 4th pays out note transmitting element U809, and send request and pay out note to the mobile phone associated with described third party's account,The described note of paying out comprises described two-dimension code image.
For convenience of description, while describing above system, being divided into various unit with function describes respectively. Certainly, implementing thisWhen application, the function of each unit can be realized in same or multiple software and/or hardware.
Each embodiment in this description all adopts the mode of going forward one by one to describe, identical similar part between each embodimentMutually referring to, what each embodiment stressed is and the difference of other embodiment. Especially, for systemOr system embodiment, because it is substantially similar in appearance to embodiment of the method, thus describe fairly simplely, relevant part ginsengSee the part explanation of embodiment of the method. System described above and system embodiment are only schematically, whereinThe described unit as separating component explanation can or can not be also physically to separate, the portion showing as unitPart can be or can not be also physical location, can be positioned at a place, or also can be distributed to multiple networksOn unit. Can select according to the actual needs some or all of unit wherein to realize the object of the present embodiment scheme.Those of ordinary skill in the art, in the situation that not paying creative work, are appreciated that and implement.
It should be noted that, in this article, the relational terms such as " first " and " second " etc. be only used for byEntity or operation and another entity or operating space separate, and not necessarily require or imply these entities or behaviourBetween work, there is relation or the backward of any this reality. And term " comprises ", " comprising " or its any itsHis variant is intended to contain comprising of nonexcludability, thereby makes to comprise process, method, the system of a series of key elements or establishStandby not only comprise those key elements, but also comprise other key elements of clearly not listing, or be also included as this process,The key element that method, system or equipment are intrinsic. In the situation that there is no more restrictions, by statement " comprising ... "The key element limiting, and be not precluded within process, method, system or the equipment that comprises described key element and also have other phaseSame key element.
The above is only the application's detailed description of the invention, makes those skilled in the art can understand or realize the application.To be apparent to one skilled in the art to the multiple amendment of these embodiment, as defined herein oneAs principle can be in the case of not departing from the application's spirit or scope, realize in other embodiments. Therefore, this ShenPlease will can not be restricted to these embodiment shown in this article, but will meet and principle disclosed herein and features of noveltyThe widest consistent scope.
Claims (10)
1. the method for paying out based on payment platform, is characterized in that, comprising:
Payment platform receives paying out after request that user's account initiates, pays out request described in record, described in pay out requestThe information that comprises third party's account;
Generate the confirmation associated with described account and pay out interface;
The address of paying out interface according to described confirmation generates confirmation prompting link;
Request SMS platform sends and confirms note to the mobile phone associated with described account, and described confirmation note comprises described confirmationPrompting link;
Receive the confirmation of receiving from described confirmation prompting chain link and pay out that message is paid out in confirmation that interface sends or cancellation is paid outMessage;
When receive for described confirmation is while paying out message, send request and pay out to the mobile phone associated with described third party's accountNote.
2. the method for paying out based on payment platform as claimed in claim 1, is characterized in that, also comprises:
When receive for described confirmation is while paying out message, generate associated with described third party's account according to the described request of paying outPay out interface;
Generate and pay out link according to described address of paying out interface, described in pay out link and be contained in described request and pay out in note.
3. the method for paying out based on payment platform as claimed in claim 1, is characterized in that, also comprises:
When receive for described confirmation is while paying out message, generate Quick Response Code according to the described request of paying out, described Quick Response Code is usedIn carrying out Quick Response Code payment, described Quick Response Code is contained in described request and pays out in note.
4. the method for paying out based on payment platform as claimed in claim 1, is characterized in that, also comprises:
When receive for described confirmation is while paying out message, generate Quick Response Code according to the described request of paying out, described Quick Response Code is usedIn carrying out Quick Response Code payment;
Generate two-dimension code image according to described Quick Response Code, described two-dimension code image is contained in described request and pays out in note.
5. the method for paying out based on payment platform as claimed in claim 1, is characterized in that,
Described confirmation is paid out interface and is comprised confirmation operation interface and cancel operation interface, and described confirmation operation interface is used for to propping upPay platform transmission and confirm to pay out message, described cancellation operation is deciphered for cancelling and pays out message to payment platform transmission,
Described confirmation prompting link comprises to be confirmed link and cancels link, and described confirmation chain link is received described confirmation operation circleFace, described in cancel link and be linked to described cancellation operation interface.
6. a payment platform, is characterized in that, comprising:
Pay out request reception unit, the request of paying out of initiating for receiving account, described in the request of paying out comprise third party's accountThe information at family;
Pay out request record cell, described in recording, pay out request;
Confirm to pay out interface generation unit, pay out interface for generating the confirmation associated with described account;
Confirm prompting link generation unit, generate confirmation prompting link for pay out the address at interface according to described confirmation;
Confirm that note sends request unit, for asking SMS platform to send and confirm note to the mobile phone associated with described account,Described confirmation note comprises described confirmation prompting link;
Message sink unit, pays out for receiving the confirmation of receiving from described confirmation prompting chain link the confirmation generation that interface sendsPay message or cancellation and pay out message;
Pay out note transmitting element, for receive when message sink unit for described confirmation is while paying out message, Xiang YusuoThe mobile phone of stating the association of third party's account sends request pays out note.
7. payment platform as claimed in claim 6, is characterized in that, also comprises:
Pay out interface generation unit, for receive when message sink unit for described confirmation is while paying out message, according to instituteState the request of paying out and generate the pay out interface associated with described third party's account;
Pay out link generation unit, pay out link for the address generation of paying out interface described in basis,
Wherein, described in, paying out link pays out in note described in being contained in.
8. payment platform as claimed in claim 6, is characterized in that, also comprises:
Quick Response Code generation unit, for receive when message sink unit for described confirmation is while paying out message, according to describedThe request of paying out generates Quick Response Code, and described Quick Response Code is used for carrying out Quick Response Code payment,
Described Quick Response Code is contained in described request and pays out in note.
9. payment platform as claimed in claim 6, is characterized in that, also comprises:
Quick Response Code generation unit, for receive when message sink unit for described confirmation is while paying out message, according to describedThe request of paying out generates Quick Response Code, and described Quick Response Code is used for carrying out Quick Response Code payment;
Two-dimension code image generation unit, for generating two-dimension code image according to described Quick Response Code,
Described two-dimension code image is contained in described request and pays out in note.
10. payment platform as claimed in claim 6, is characterized in that,
Described confirmation is paid out confirmation that interface generation unit generates and is paid out interface and comprise and confirm operation interface and cancel operation circleFace, described confirmation operation interface is used for paying out message to payment platform transmission confirmation, and described cancellation operation deciphering is used for to propping upPay platform transmission cancellation and pay out message,
The confirmation prompting link of described confirmation prompting link generation unit generation comprises to be confirmed link and cancels link, described trueRecognize chain link and receive described confirmation operation interface, described in cancel link and be linked to described cancellation operation interface.
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| CN201410680812.5A CN105608569A (en) | 2014-11-24 | 2014-11-24 | Paying-for-another method based on payment platform and payment platform |
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| CN201410680812.5A CN105608569A (en) | 2014-11-24 | 2014-11-24 | Paying-for-another method based on payment platform and payment platform |
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| CN201410680812.5A Pending CN105608569A (en) | 2014-11-24 | 2014-11-24 | Paying-for-another method based on payment platform and payment platform |
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Application publication date: 20160525 |