CN105989494A - Agent payment method and device as well as electronic equipment - Google Patents
Agent payment method and device as well as electronic equipment Download PDFInfo
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- CN105989494A CN105989494A CN201510276466.9A CN201510276466A CN105989494A CN 105989494 A CN105989494 A CN 105989494A CN 201510276466 A CN201510276466 A CN 201510276466A CN 105989494 A CN105989494 A CN 105989494A
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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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- 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
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The invention relates to an agent payment method and device as well as electronic equipment. The agent payment method comprises the following steps: obtaining an agent payment request instruction and analyzing the agent payment request instruction to obtain control information of the agent payment request instruction, wherein the agent payment request instruction is generated according to an operation of executing payment process by an agent through an account of a client; querying content information of the agent payment request instruction according to the control information of the agent payment request instruction so as to obtain a login account number and a transaction account number, and verifying an agency relationship between the login account number and the transaction account number; after the verification passes, generating payment confirmation information; obtaining return information according to the payment confirmation information, and verifying the return information, wherein the transaction account number is the account of the client, the login account number is account of the agent, and the return information is generated through conforming, by the client, the operation of executing the payment process by the agent; and deciding whether to finish the payment or not according to verification result of the return information.
Description
Technical field
The present invention relates to finance data processing technology field, particularly to a kind of proxy payment method, device and electronic equipment.
Background technology
Enter the epoch of E-Payment, online payment or mobile payment more and more universal, but for being unfamiliar with or not square
Just this most individual problem for the people of computer, mobile phone operation is used.
Based on this problem, current it has been proposed that the measure of proxy payment.According to existing technology, if to realize acting on behalf of him
People's operation can only be by following several approach with payment:
1, the username and password of account is informed that agent, such discretionary account are faced with high security risk by trustee.
2, trustee first transfers accounts or cash is to agent, then is used me account to pay by agent, such operation
Flow process bothers very much.
Summary of the invention
For solving problem of the prior art, the present invention proposes a kind of proxy payment method, device and electronic equipment, trustee
Through committing others's proxy payment is operated, but after each payment transaction of account is still replied confirmation by me, money is from trustee
Account is drawn away, if not having confirmation in the range of at the appointed time, then delivery operation is forbidden to come into force, and safety is high.
For achieving the above object, the invention provides a kind of proxy payment method, including:
After being verified, it is thus achieved that proxy payment request instruction, described proxy payment request instruction is resolved, it is thus achieved that agency
Pay the control information of request instruction；Wherein, described proxy payment request instruction is according to agent's account by trustee
The operation performing payment process produces；
The content information controlling information inquiry proxy payment request instruction according to proxy payment request instruction, it is thus achieved that log in account
Number, Transaction Account number, the agent relation of login account and Transaction Account number is verified；After being verified, generate payment affirmation
Information；According to described payment affirmation information acquisition return information, verify return information；Wherein, described Transaction Account number is for entrusting
The account of people；Described return information is that the confirmation of the operation that agent performs payment process according to trustee produces；
The result according to described return information has decided whether to pay.
Preferably, also include:
Obtain the instruction of account proxy requests, the instruction of described account proxy requests is resolved, it is thus achieved that account proxy requests instructs
Control information；
The content information controlling the instruction of information inquiry account proxy requests according to the instruction of described account proxy requests, it is thus achieved that log in
Account and Transaction Account number, verify login account and Transaction Account number；
After being verified, set up the agent relation between login account and Transaction Account number.
Preferably, also include:
Obtaining before proxy payment request instruction, it is thus achieved that transaction verification request instructs, described transaction verification request is instructed into
Row resolves, it is thus achieved that the control information of transaction verification request instruction；
The content information controlling the instruction of information inquiry transaction verification request according to transaction verification request instruction, it is thus achieved that log in account
Number, login account is carried out validation verification, after being verified, just allows to obtain proxy payment request instruction.
Preferably, also include:
Obtain account agency and cancel instruction, described account agency is cancelled instruction and resolves, it is thus achieved that account agency cancels instruction
Control information；
The information inquiry account agency that controls cancelling instruction according to described account agency cancels the content information of instruction, it is thus achieved that transaction
Account, carries out validation verification to Transaction Account number；
After being verified, cancel the agent relation between login account and Transaction Account number.
Preferably, also include:
Storage accounts information, agent relation, Operation Log, checking information.
For achieving the above object, present invention also offers a kind of proxy payment device, including:
First resolves command unit, is used for obtaining proxy payment request instruction, resolves described proxy payment request instruction,
Obtain the control information of proxy payment request instruction；Wherein, described proxy payment request instruction is by entrusting according to agent
The account of people performs the operation of payment process and produces；
Proxy payment behavior authentication unit, asks to refer to for the control information inquiry proxy payment according to proxy payment request instruction
The content information of order, it is thus achieved that login account, Transaction Account number, verifies the agent relation of login account and Transaction Account number；
After being verified, generate payment affirmation information；According to described payment affirmation information acquisition return information, verify return information；
Wherein, described Transaction Account number is the account of trustee；Described return information is, according to trustee, agent is performed payment process
Operation confirm produce；
Payment unit, for having decided whether to pay according to the result of described return information.
Preferably, also include:
Second resolves command unit, is used for obtaining the instruction of account proxy requests, resolves the instruction of described account proxy requests,
Obtain the control information of account proxy requests instruction；
Agent relation's authentication unit, for referring to according to the control information inquiry account proxy requests of described account proxy requests instruction
The content information of order, it is thus achieved that login account and Transaction Account number, verifies login account and Transaction Account number；
Agent relation sets up unit, after being used for being verified, sets up the agent relation of login account and Transaction Account number.
Preferably, also include:
3rd resolves command unit, for before obtaining proxy payment request instruction, it is thus achieved that transaction verification request instructs, right
The instruction of described transaction verification request resolves, it is thus achieved that the control information of transaction verification request instruction；
Login account authentication unit, for the control information inquiry transaction verification request instruction according to transaction verification request instruction
Content information, it is thus achieved that login account, carries out validation verification to login account, after being verified, just allows to obtain agency
Pay request instruction.
Preferably, also include:
4th resolves command unit, is used for obtaining account agency and cancels instruction, described account agency is cancelled instruction and resolves,
Obtain account agency and cancel the control information of instruction；
Transaction Account number authentication unit, refers to for acting on behalf of cancellation according to the control information inquiry account of described account agency's cancellation instruction
The content information of order, it is thus achieved that Transaction Account number, carries out validation verification to Transaction Account number；
Agent relation cancels unit, after being used for being verified, cancels the agent relation between login account and Transaction Account number.
Preferably, also include: memory element；
Described memory element, is used for storing accounts information, agent relation, Operation Log, checking information.
For achieving the above object, the present invention also provides for a kind of electronic equipment, and described electronic equipment includes acting on behalf of foregoing
Pay device.
Compared with prior art, the technical program is by account operating right and obligation authority separate design, and it has
Following features:
1, simply trustee's account number (a string letter or number) that agent sees, it is impossible to see other letters of trustee
Breath (such as password, identification card number, card number etc.).
2, agent substitutes trustee and performs the delivery operation process state of complexity.
3, procuratorial replacement behavior is the most final effectively, the most whether can complete delivery operation, need to confirm through trustee.
4, between account, agent relation is set, it is necessary to can come into force after obtaining the confirmation reply of consigner, and trustee can
Agent relation between account independently cancelled by folk prescription.
The technical program the most simply allows others be aware of the account of oneself, and the effect reached is that other people need not log in oneself
Account just can initiate payment transaction for me, and conclude the business and just must come into force after being replied confirmation by me.Ingenious solving is not good at behaviour
Make the payment problem of computer and mobile phone crowd.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing skill
In art description, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below is only the present invention
Some embodiments, for those of ordinary skill in the art, on the premise of not paying creative work, it is also possible to root
Other accompanying drawing is obtained according to these accompanying drawings.
Fig. 1 is the application scenarios figure of embodiment of the present invention；
One of structural representation of a kind of proxy payment device that Fig. 2 provides for the embodiment of the present invention；
The two of the structural representation of a kind of proxy payment device that Fig. 3 provides for the embodiment of the present invention；
The three of the structural representation of a kind of proxy payment device that Fig. 4 provides for the embodiment of the present invention；
The four of the structural representation of a kind of proxy payment device that Fig. 5 provides for the embodiment of the present invention；
One of a kind of proxy payment method flow diagram that Fig. 6 provides for the embodiment of the present invention；
Fig. 7 be the embodiment of the present invention proxy payment method in the Establishing process figure of agent relation；
The two of a kind of proxy payment method flow diagram that Fig. 8 provides for the embodiment of the present invention；
Fig. 9 be the embodiment of the present invention proxy payment method in the cancellation flow chart of agent relation；
A kind of electronic device block diagram that Figure 10 provides for the embodiment of the present invention；
Figure 11 is the schematic flow sheet that specific embodiment is arranged for agent relation；
Figure 12 is the specific embodiment schematic flow sheet for proxy payment.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clearly and completely
Describe, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments.Based on this
Embodiment in invention, the every other reality that those of ordinary skill in the art are obtained under not making creative work premise
Execute example, broadly fall into the scope of protection of the invention.
One skilled in the art will appreciate that embodiments of the present invention can be implemented as a kind of system, device, equipment, side
Method or computer program.Therefore, the disclosure can be to be implemented as following form, it may be assumed that hardware, complete completely
Full software (including firmware, resident software, microcode etc.), or the form that hardware and software combines.
According to the embodiment of the present invention, it is proposed that a kind of proxy payment method, device and electronic equipment.
In this article, it is to be understood that in involved term:
1, trustee: from the point of view of the technical program, gives other people by the delegation of account operation, replaces oneself performing
The people of payment process behavior.For guaranteeing trustee's rights and interests problem, payment process behavior need to confirm just can give birth to through trustee
Effect, the validation testing of trustee can be input payment cipher etc..
2, agent: from the point of view of the technical program, logs in my account, according to the instruction of trustee, by committee
The account asked someone is the people that trustee performs delivery operation behavior.But, this delivery operation behavior is only payment process
Behavior, do not include finally paying behavior.
3, Transaction Account number: for completing to pay the account provided with funds.From the point of view of the technical program, when agent performs
During proxy payment, Transaction Account number is the bank account of trustee.When agency's oneself trading activity artificial pays, hand over
Easily account is procuratorial bank account.
4, login account: manipulation central server performs the voucher (token) of payment process operation.When agency is artificial certainly
When oneself trading activity pays, login account is equal to Transaction Account number.When agent performs proxy payment, log in account
Number it is not equal to Transaction Account number.
Additionally, any number of elements in accompanying drawing is used to example and unrestricted, and any name is only used for distinguishing,
And not there is any limitation.
Principle and spirit below with reference to some representative embodiments of the present invention, in detail the explaination present invention.
Summary of the invention
Conventionally, the principle of existing E-Payment is: the bank card account number of intelligent terminal's login user with user built
Vertical one relation one to one, user performs respective operations according under the prompting on intelligent terminal's page, completes transaction payment
Request.
This problem beyond doubt for being unfamiliar with or be inconvenient to use the people of computer, mobile phone operation.
To this end, the invention provides a kind of proxy payment mechanism.Operating right is separated by proxy payment mechanism with obligation authority,
Agent only need to log in my account and just can operate client's account, and central server is by procuratorial operation behavior
Sending to trustee's end with advice method, trustee sends reply confirmation according to announcement information to central server.If
Central server obtains the reply of certainty and confirms, then complete to pay according to procuratorial operation behavior.If service centre obtains
Obtain negatory reply to confirm, then the payment behavior that agent performs is invalid.
In this manual, central server refers to system and/or the equipment with payment account management function, is not limited to silver
Row card processes, and applies also for any virtual account.
After the ultimate principle describing the present invention, introduce the various non-limiting embodiment of the present invention in detail below.
Application scenarios overview
With reference first to Fig. 1, server 100 can be server etc., and agent's mobile terminal 200, trustee move end
End 300 may each be mobile phone, panel computer etc..Agent's mobile terminal 200, trustee's mobile terminal 300 and
Such as can be communicatively coupled by mobile Internet etc. between server 100 three.
Utilizing the proxy payment mechanism of the technical program, the payment agency establishing correspondence between trustee and agent is closed
System, central server storage has this agent relation.Trustee, at online purchase commodity, completes to buy operation, needs to prop up
Pay the bill.Trustee performs to pay agent operation by trustee's mobile terminal 300 notification agent people.For acting on behalf of below
The safety of payment behavior is set out, and before proxy payment, first verifies that this logs in whether behavior is that agent does.
The process of checking is: agent, by after the notice of trustee, logs in my account by agent's mobile terminal 200,
Agent's mobile terminal 200 logs in behavior according to this and produces transaction verification request, and transmits to server 100, service
Device 100 performs a series of verification operations according to this transaction verification request, verifies that this logs in whether behavior is to do in person,
Prevent other people from maliciously logging in and for it.The result is transmitted to agent's mobile terminal 200 by server 100.If
Being verified, agent performs other operation behaviors in addition to final paying bank is at mobile terminal 200 for trustee,
Mobile terminal 200 produces proxy payment request according to these operation behaviors, and sends to server 100.Server 100
The request of this proxy payment is performed a series of verification operation again, and main purpose is to judge that whether this payment behavior is
Proxy payment behavior, if proxy payment behavior, then generates payment affirmation information according to procuratorial operation behavior,
And this payment affirmation information is sent to trustee's mobile terminal 300.After trustee receives this payment affirmation information, core
The most accurate to this information.Trustee generates return information according to this payment affirmation information at trustee's mobile terminal 300,
And transmit to server 100.This server 100 judges whether this return information is certainty.If this return information
For certainty information, then complete to pay.
If this return information is negatory, even if agent performs corresponding operating, it is still not able to pay.
Exemplary means
Below in conjunction with the application scenarios of Fig. 1, with reference to Fig. 2, Fig. 3, Fig. 4 respectively to exemplary embodiment of the invention
Proxy payment device is introduced.
It should be noted that above-mentioned application scenarios is for only for ease of and understand that spirit and principles of the present invention illustrate, this
The embodiment of invention is the most unrestricted.On the contrary, embodiments of the present invention can apply to be suitable for
Any scene.
See Fig. 2, for one of structural representation of proxy payment device that the embodiment of the present invention provides.As it can be seen,
Proxy payment device includes: first resolves command unit 201, proxy payment behavior authentication unit 202 and payment unit 203.
Wherein,
First resolves command unit 201, is used for obtaining proxy payment request instruction, carries out described proxy payment request instruction
Resolve, it is thus achieved that the control information of proxy payment request instruction；Wherein, described proxy payment request instruction is to lead to according to agent
The account crossing trustee performs the operation generation of payment process；
Proxy payment behavior authentication unit 202, please for the control information inquiry proxy payment according to proxy payment request instruction
Seek the content information of instruction, it is thus achieved that login account, Transaction Account number, the agent relation of login account and Transaction Account number is tested
Card；After being verified, generate payment affirmation information；According to described payment affirmation information acquisition return information, letter is replied in checking
Breath；Wherein, described Transaction Account number is the account of trustee；Described login account is procuratorial account；Described return information
It it is the confirmation generation of the operation that according to trustee, agent is performed payment process；
Payment unit 203, for having decided whether to pay according to the result of described return information.
For the present embodiment, proxy payment behavior authentication unit is to allow trustee confirm agent's payment process operation behavior
Legitimacy.Only trustee confirms, and procuratorial payment behavior could be effectively.Central server is according to procuratorial
The behavior of paying completes to pay.
Further, the two of the structural representation of a kind of proxy payment device of embodiment of the present invention offer.As it is shown on figure 3,
On the basis of Fig. 2, also include:
Second resolves command unit 204, is used for obtaining the instruction of account proxy requests, carries out the instruction of described account proxy requests
Resolve, it is thus achieved that the control information of account proxy requests instruction；
Agent relation's authentication unit 205, please for the control information inquiry account agency according to the instruction of described account proxy requests
Seek the content information of instruction, it is thus achieved that login account and Transaction Account number, login account and Transaction Account number are verified；
Agent relation sets up unit 206, after being used for being verified, sets up the agent relation of login account and Transaction Account number.
For the present embodiment, agent relation's authentication unit 205 is before establishment of correspondent relationship, and examination & verification is therebetween
No had built up agent relation, and login account and the legitimacy of Transaction Account number.
Further, the three of the structural representation of a kind of proxy payment device of embodiment of the present invention offer.As shown in Figure 4, exist
On the basis of Fig. 3, also include:
3rd resolves command unit 207, for before obtaining proxy payment request instruction, it is thus achieved that transaction verification request instructs,
The instruction of described transaction verification request is resolved, it is thus achieved that the control information of transaction verification request instruction；
Login account authentication unit 208, for referring to according to the control information inquiry transaction verification request of transaction verification request instruction
The content information of order, it is thus achieved that login account, carries out validation verification to login account, after being verified, just allows to obtain generation
Reason pays request instruction.
Before proxy payment, first verify that this logs in whether behavior is that agent does, prevent other people malice and
For it, the safety for proxy payment behavior below is layed foundation.
Further, the three of the structural representation of a kind of proxy payment device of embodiment of the present invention offer.As it is shown in figure 5,
On the basis of Fig. 4, also include:
4th resolves command unit 209, is used for obtaining account agency and cancels instruction, described account agency is cancelled instruction and carries out
Resolve, it is thus achieved that account agency cancels the control information of instruction；
Transaction Account number authentication unit 210, takes for cancelling the control information inquiry account agency of instruction according to described account agency
Disappear the content information instructed, it is thus achieved that Transaction Account number, and Transaction Account number is carried out validation verification；
Agent relation cancels unit 211, after being used for being verified, cancels the agent relation between login account and Transaction Account number.
For the present embodiment, Transaction Account number authentication unit 210 is when trustee cancels agent relation, verifies this operation
Whether it is that trustee performs, is not maliciously and for it, ensure that the rights and interests between trustee and agent simultaneously.
On the basis of Fig. 2, Fig. 3, Fig. 4, Fig. 5, proxy payment device also includes: memory element；Wherein, deposit described in
Storage unit, is used for storing accounts information, agent relation, Operation Log, checking information.
From Fig. 2, Fig. 3, Fig. 4, Fig. 5, outside payment application can pass through TCP communication and two kinds of sides of api function
Formula calls this device, after operational order is resolved by proxy payment device, calls internal corresponding with service flow process, finally returns to place
Reason result.
From Fig. 2, Fig. 3, Fig. 4, Fig. 5, this device is by resolver, service area, checking district, instant messaging interface altogether
Five part compositions.
Resolver receives applications request instruction, resolves instruction, calls, according to instruction type, the service that service area is corresponding.Refer to
Make and being made up of instruction head and instruction body two parts.Instruction head includes version number, command length and communication mode.Instruction body includes
Control information and content information.Control information is made up of instruction type, Agent Markup and answer back code.Content information by system with
Track number, date of operation, operating time, login account, Transaction Account number, identifying code, out-of-service time, order contents are constituted.
Ask for an interview table 1 below.
All fields in instruction are regular length, and therefore application service is mapped by internal storage structure body and gets each of instruction
Individual field contents.
Table 1
Read the instruction head of regular length, get version number, command length, communication mode the most successively, this three item data
All it is used for the verification to instruction legitimacy.If verification is passed through, then continue to read the internal appearance of instruction and process, if verification
Do not pass through, then assemble a response and instruct and return called side.Response instruction needs to fill in instruction type, answer back code, its
He keeps consistent with request instruction by field information.
Read the control information of instruction body, according to instruction type, two field informations of Agent Markup, the content letter of query statement
Breath, verifies content information, calls proxy payment service.
For service area, service area provides all service functions of account management, registers including logon account, account generation
The setting of reason relation, account trading processes service, account trading agency service, and record Operation Log, each service
It is all the function set of an encapsulation, one or more instruction type can be processed.
For checking district, it is to provide safety verification function to account operation.Verify including general transaction, agent operation
Payment verification, and checking abnormality processing etc..Authentication function not the most externally service, can only be carried out by the service of service area
Intrinsic call.
Memory element stores the agent relation between user account information, account, and the daily record of operation every time.
From Fig. 2, Fig. 3, Fig. 4, Fig. 5, time communication interface can connect Three-Part protocol platform, send to user
The information such as transaction verification code, payment affirmation.
For this device, regardless of Transaction Account number or login account, both can be real bank card, it is also possible to be empty
Intend card.
For this device, after arranging account agent relation, as long as agent logs in me, correspondent account can be carried out by account
Operation, and other people account multiple can be acted on behalf of simultaneously, the most independent between each account, it is independent of each other.Further, for all of account
Family transaction provides secure payment authentication function, the payment request initiating agent, finally is confirmed just can come into force by trustee,
Both achieve the convenience of agent operation, in turn ensure that the safety of bill payment.
Although additionally, be referred to some unit of proxy payment device in above-detailed, but this division is only
The most enforceable.It practice, according to the embodiment of the present invention, the spy of two or more unit above-described
Function of seeking peace can embody in a unit.Equally, feature and the function of an above-described unit can also
Further Division is for be embodied by multiple unit.
Illustrative methods
After the equipment describing exemplary embodiment of the invention, it follows that exemplary to the present invention with reference to Fig. 5
The proxy payment method of embodiment is introduced.
One of schematic flow sheet of proxy payment method that Fig. 6 provides for the embodiment of the present invention.Including:
Step 601): obtain proxy payment request instruction, described proxy payment request instruction is resolved, it is thus achieved that Dai Lizhi
Pay the control information of request instruction；Wherein, described proxy payment request instruction is to be held by the account of trustee according to agent
The operation of row payment process produces；
Step 602): according to the content information controlling information inquiry proxy payment request instruction of proxy payment request instruction, obtain
Obtain login account, Transaction Account number, the agent relation of login account and Transaction Account number is verified；After being verified, generate
Payment affirmation information；According to described payment affirmation information acquisition return information, verify return information；Wherein, described transaction account
It number it is the account of trustee；Described login account is procuratorial account；Described return information is to agent according to trustee
The confirmation of the operation performing payment process produces；
Step 603): decide whether to pay according to the result of described return information.
For the present embodiment, proxy payment must be based on agent relation and carries out.The foundation of agent relation is performing step
Before rapid 601, as it is shown in fig. 7, the Establishing process of agent relation includes:
Step 1): obtain the instruction of account proxy requests, the instruction of described account proxy requests is resolved, it is thus achieved that account is acted on behalf of
The control information of request instruction；
Step 2): according to the content information controlling the instruction of information inquiry account proxy requests of described account proxy requests instruction,
Obtain login account and Transaction Account number, login account and Transaction Account number are verified；
Step 3): after being verified, set up the agent relation between login account and Transaction Account number.
In step 2, the checking of login account and Transaction Account number includes: test login account and Transaction Account number legitimacy
Card；Checking information being occurred to trustee's client, trustee's client sends to reply to central server and confirms, confirms to build
Vertical proxy payment relation.Only by above-mentioned checking, can establishment of correspondent relationship.
As shown in Figure 8, the two of the schematic flow sheet of the proxy payment method provided for the embodiment of the present invention.Including:
Step 801): obtain transaction verification request instruction, the instruction of described transaction verification request is resolved, it is thus achieved that transaction is tested
The control information of card request instruction；
Step 802): according to the content information controlling the instruction of information inquiry transaction verification request of transaction verification request instruction, obtain
Obtain login account, login account is carried out validation verification；Wherein, login account is procuratorial account；
Step 803): after being verified, it is thus achieved that proxy payment request instruction, described proxy payment request instruction is resolved,
Obtain the control information of proxy payment request instruction；Wherein, described proxy payment request instruction is by entrusting according to agent
The account of people performs the operation of payment process and produces；
Step 804): according to the content information controlling information inquiry proxy payment request instruction of proxy payment request instruction, obtain
Obtain login account, Transaction Account number, the agent relation of login account and Transaction Account number is verified；After being verified, generate
Payment affirmation information；According to described payment affirmation information acquisition return information, verify return information；Wherein, described transaction account
It number it is the account of trustee；Described return information is that the confirmation of the operation that agent performs payment process according to trustee produces
's；
Step 805): decide whether to pay according to the result of described return information.
Compared with Fig. 8 with Fig. 5, before obtaining proxy payment request instruction, verify whether to send into agent's wish
Proxy payment request, prevent into agent maliciously and for it, the safety for follow-up proxy payment lays the foundation.
For the present embodiment, proxy payment relation can be set up according to need, it is also possible to cancellation of representation at any time.Such as figure
Shown in 9, the releasing flow process of agent relation includes:
Step 11): obtain account agency and cancel instruction, described account agency is cancelled instruction and resolves, it is thus achieved that account generation
Reason cancels the control information of instruction；
Step 12): the information inquiry account agency that controls cancelling instruction according to described account agency cancels the content information of instruction,
Obtain Transaction Account number, Transaction Account number is carried out validation verification；
Step 13): after being verified, cancel the agent relation between login account and Transaction Account number.
Analysis chart 6, Fig. 7, Fig. 8, Fig. 9 understand, and after account agent relation is come into force, agent logs in my account, so that it may
Seeing proxy account number, this proxy account number opens the effect of payment transaction in payment process.What agent saw is that he acknowledges a debt
Number mark (a string letter or number), it is impossible to see other information of account (such as password, identification card number, card number etc.).
From the aforegoing it can be seen that the most simply allow agent know the account of trustee, the effect reached is that agent logs in certainly
Oneself account, substitutes trustee by the account of trustee and operates payment process, and after transaction must be replied confirmation by trustee
Just come into force.It addition, trustee can independently cancel agent relation between account by folk prescription.
Although it should be noted that, describe the operation of the inventive method in the accompanying drawings with particular order, but, this does not really wants
Ask or imply and according to this particular order to perform these operations, or the most shown operation ability must be had to carry out
Realize desired result.Additionally or alternatively, it is convenient to omit some step, multiple steps are merged into a step
Perform, and/or a step is decomposed into the execution of multiple step.
Example devices
Based on above-mentioned exemplary means and method, the present embodiment also proposes a kind of electronic equipment, as shown in Figure 10.This electricity
Subset is used for going to run proxy payment application program according to various request instructions, including:
Memorizer a, is used for storing request instruction；
Processor b, it couples with described memorizer, and this processor is configured to perform storage in which memory
Request instruction, wherein, the application program that described processor is configured for:
Obtain proxy payment request instruction, described proxy payment request instruction is resolved, it is thus achieved that proxy payment request instruction
Control information；Wherein, described proxy payment request instruction is to perform payment process according to agent by the account of trustee
Operation produce；
The content information controlling information inquiry proxy payment request instruction according to proxy payment request instruction, it is thus achieved that log in account
Number, Transaction Account number, utilize application program that the agent relation of login account and Transaction Account number is verified；After being verified,
Generate payment affirmation information；According to described payment affirmation information acquisition return information, verify return information；Wherein, described friendship
Easily account is the account of trustee；Described login account is procuratorial account；Described return information is to generation according to trustee
Reason people performs the confirmation generation of the operation of payment process；
The result according to described return information has decided whether to pay.
At the aspect of setting up of agent relation, the application program that processor b is further configured is additionally operable to:
Obtain the instruction of account proxy requests, the instruction of described account proxy requests is resolved, it is thus achieved that account proxy requests instructs
Control information；
The content information controlling the instruction of information inquiry account proxy requests according to the instruction of described account proxy requests, it is thus achieved that log in
Account and Transaction Account number, verify login account and Transaction Account number；
After being verified, set up the agent relation between login account and Transaction Account number.
Before proxy payment sends, procuratorial login account is verified, analyses whether to do for agent.
The application program that processor b is further configured is additionally operable to:
Obtaining before proxy payment request instruction, it is thus achieved that transaction verification request instructs, described transaction verification request is instructed into
Row resolves, it is thus achieved that the control information of transaction verification request instruction；
The content information controlling the instruction of information inquiry transaction verification request according to transaction verification request instruction, it is thus achieved that log in account
Number, login account is carried out validation verification, after being verified, just allows to obtain proxy payment request instruction.
In terms of the cancellation of agent relation, the application program that processor b is further configured is additionally operable to:
Obtain account agency and cancel instruction, described account agency is cancelled instruction and resolves, it is thus achieved that account agency cancels instruction
Control information；
The information inquiry account agency that controls cancelling instruction according to described account agency cancels the content information of instruction, it is thus achieved that transaction
Account, carries out validation verification to Transaction Account number；
After being verified, cancel the agent relation between login account and Transaction Account number.
The embodiment of the present invention also provides for a kind of computer-readable program, wherein when performing described program in the electronic device,
The agency that described program makes computer perform in described electronic equipment as described in Fig. 6, Fig. 7, Fig. 8 and Fig. 9 props up
The method of paying.
The embodiment of the present invention also provides for a kind of storage the storage medium of computer-readable program, and wherein said computer can
Reader makes computer perform the proxy payment method as described in Fig. 6, Fig. 7, Fig. 8 and Fig. 9 in the electronic device.
Embodiment
In order to describe feature and the operation principle of the present invention more intuitively, come below in conjunction with a practice scene
Describe.
Scene description: old father and mother are not good at computer and use, entrust the children of strange land work on behalf of buying online finance product,
Father and mother require that account is independent, and children cannot check father and mother's account specifying information, and every purchase-transaction is required for father and mother
Confirmation can come into force.
(1) agent relation is arranged
Scene description: father and mother and children have the segregated account of oneself at payment platform, children initiate to act on behalf of father at payment platform
The request of female account, confirms through father and mother, agent relation is come into force.
As shown in figure 11, the schematic flow sheet for the present embodiment, agent relation arranged.Flow process is in two stages:
First stage account proxy requests flow process:
A) agent (children) is after payment platform logs in my account, inputs trustee (father and mother) account, to center
Server sends " account proxy requests " instruction.
B) server reads instruction, and verification is by rear, and reading instruction type is " arranging account agent relation ", in instruction
Appearance reads login account (children) and Transaction Account number (father and mother), searches data base according to account and check that two accounts are
No is all normal condition, then sends identifying code to trustee (father and mother), by instant messaging interface to trustee (father and mother)
Send checking request.Wherein, checking request includes filling in instruction type, answer back code, identifying code, system tracking number, other
Content is consistent with former request instruction.Meanwhile, central server storage account agent relation's record.Here it should be noted that
The effect of system tracking number is that association request instruction instructs with response.
Second stage account agency come into force flow process:
C) at trustee (father and mother) input validation code, central server, server root are returned back to by instant messaging interface
Information composition response instruction according to input；
D) according to searching account agent relation record and system tracking number, request instruction is entered by identifying code with response instruction
Row coupling, upon checking, the account that comes into force agent relation.
About the specific works mode of cancellation agent relation, refer to the specific works mode of Fig. 7 corresponding steps, the most no longer
Repeat.
(2) proxy payment
Scene description: the account of agency is paid by agent.Children use father and mother's account to pay the reason bought for father and mother
Property product.
As shown in figure 12, for the present embodiment for the schematic flow sheet of proxy payment.Flow process divides three phases:
First stage: the checking of login account
A) children log in my account, select father and mother's bill payment.Send " transaction verification request " to central server to refer to
Order；
B) central server obtains transaction verification request instruction, resolves transaction verification request instruction, it is thus achieved that transaction is tested
The control information of card request instruction；The content controlling the instruction of information inquiry transaction verification request according to transaction verification request instruction
Information, it is thus achieved that login account, carries out validation verification to login account；
Second stage: the generation of payment affirmation information
C), after the first stage is verified, the operation of agent's client executing payment process, central server is according to this behaviour
Produce " proxy payment request " instruction；" proxy payment request " should include that order contents, agent's client operation were produced
Raw object information.
D) " proxy payment request " instruction resolves, sense order type (proxy payment request) from instruction, agency
Mark (YES), reads login account, Transaction Account number according to these information from command content, searches and verify account agency
Relation.Verification includes: central server generates an identifying code and identifying code out-of-service time.Identifying code and identifying code were lost efficacy
Time assembles together with instructing with " proxy payment request ", generates payment affirmation information.And payment affirmation information is sent to committee
Ask someone (father and mother).Meanwhile, storage serve log and various request instruction.
Phase III: proxy payment comes into force
E) producing return information trustee (father and mother) according to payment affirmation information input validation code, return information passes through
Instant messaging interface transmits to central server；
F) serve log on last stage searched by central server, it may be judged whether beyond the checking out-of-service time, if losing efficacy,
Then update serve log state overtime for processing, and return trustee (father and mother) failure information；Otherwise, serve log is updated
State is normal reply, confirms that the payment process operation behavior that agent performs is effective, completes payment transaction.
The technical program can perform general payment transaction.Fig. 1～Figure 10 is shown without, is referred to prior art.
It should be noted that in this case, login account identical user corresponding with Transaction Account number.
Being described by above-described embodiment, account through committing others can be operated by trustee easily, but account is every
One payment transaction can come into force after still being replied confirmation by me, and safety is high.
Above-described detailed description of the invention, has been carried out the purpose of the present invention, technical scheme and beneficial effect the most in detail
Illustrate, be it should be understood that the detailed description of the invention that the foregoing is only the present invention, be not intended to limit the present invention
Protection domain, all within the spirit and principles in the present invention, any modification, equivalent substitution and improvement etc. done, all should wrap
Within being contained in protection scope of the present invention.
Claims (11)
1. a proxy payment method, it is characterised in that including:
Obtain proxy payment request instruction, described proxy payment request instruction is resolved, it is thus achieved that proxy payment request instruction
Control information；Wherein, described proxy payment request instruction is to perform payment process according to agent by the account of trustee
Operation produce；
The content information controlling information inquiry proxy payment request instruction according to proxy payment request instruction, it is thus achieved that log in account
Number, Transaction Account number, the agent relation of login account and Transaction Account number is verified；After being verified, generate payment affirmation
Information；According to described payment affirmation information acquisition return information, verify return information；Wherein, described Transaction Account number is for entrusting
The account of people；Described login account is procuratorial account；Described return information is, according to trustee, agent is performed payment
The confirmation of the operation of process produces；
The result according to described return information has decided whether to pay.
2. the method for claim 1, it is characterised in that also include:
Obtain the instruction of account proxy requests, the instruction of described account proxy requests is resolved, it is thus achieved that account proxy requests instructs
Control information；
The content information controlling the instruction of information inquiry account proxy requests according to the instruction of described account proxy requests, it is thus achieved that log in
Account and Transaction Account number, verify login account and Transaction Account number；
After being verified, set up the agent relation between login account and Transaction Account number.
3. the method for claim 1, it is characterised in that also include:
Obtaining before proxy payment request instruction, it is thus achieved that transaction verification request instructs, described transaction verification request is instructed into
Row resolves, it is thus achieved that the control information of transaction verification request instruction；
The content information controlling the instruction of information inquiry transaction verification request according to transaction verification request instruction, it is thus achieved that log in account
Number, login account is carried out validation verification, after being verified, just allows to obtain proxy payment request instruction.
4. method as claimed in claim 1 or 2, it is characterised in that also include:
Obtain account agency and cancel instruction, described account agency is cancelled instruction and resolves, it is thus achieved that account agency cancels instruction
Control information；
The information inquiry account agency that controls cancelling instruction according to described account agency cancels the content information of instruction, it is thus achieved that transaction
Account, carries out validation verification to Transaction Account number；
After being verified, cancel the agent relation between login account and Transaction Account number.
5. method as claimed in claim 1 or 2, it is characterised in that also include:
Storage accounts information, agent relation, Operation Log, checking information.
6. a proxy payment device, it is characterised in that including:
First resolves command unit, is used for obtaining proxy payment request instruction, resolves described proxy payment request instruction,
Obtain the control information of proxy payment request instruction；Wherein, described proxy payment request instruction is by entrusting according to agent
The account of people performs the operation of payment process and produces；
Proxy payment behavior authentication unit, asks to refer to for the control information inquiry proxy payment according to proxy payment request instruction
The content information of order, it is thus achieved that login account, Transaction Account number, verifies the agent relation of login account and Transaction Account number；
After being verified, generate payment affirmation information；According to described payment affirmation information acquisition return information, verify return information；
Wherein, described Transaction Account number is the account of trustee；Described login account is procuratorial account；Described return information is root
The confirmation of the operation that agent performs payment process according to trustee produces；
Payment unit, for having decided whether to pay according to the result of described return information.
7. device as claimed in claim 6, it is characterised in that also include:
Second resolves command unit, is used for obtaining the instruction of account proxy requests, resolves the instruction of described account proxy requests,
Obtain the control information of account proxy requests instruction；
Agent relation's authentication unit, for referring to according to the control information inquiry account proxy requests of described account proxy requests instruction
The content information of order, it is thus achieved that login account and Transaction Account number, verifies login account and Transaction Account number；
Agent relation sets up unit, after being used for being verified, sets up the agent relation of login account and Transaction Account number.
8. device as claimed in claim 6, it is characterised in that also include:
3rd resolves command unit, for before obtaining proxy payment request instruction, it is thus achieved that transaction verification request instructs, right
The instruction of described transaction verification request resolves, it is thus achieved that the control information of transaction verification request instruction；
Login account authentication unit, for the control information inquiry transaction verification request instruction according to transaction verification request instruction
Content information, it is thus achieved that login account, carries out validation verification to login account, after being verified, just allows to obtain agency
Pay request instruction.
Device the most as claimed in claims 6 or 7, it is characterised in that also include:
4th resolves command unit, is used for obtaining account agency and cancels instruction, described account agency is cancelled instruction and resolves,
Obtain account agency and cancel the control information of instruction；
Transaction Account number authentication unit, refers to for acting on behalf of cancellation according to the control information inquiry account of described account agency's cancellation instruction
The content information of order, it is thus achieved that Transaction Account number, carries out validation verification to Transaction Account number；
Agent relation cancels unit, after being used for being verified, cancels the agent relation between login account and Transaction Account number.
Device the most as claimed in claims 6 or 7, it is characterised in that also include: memory element；
Described memory element, is used for storing accounts information, agent relation, Operation Log, checking information.
11. 1 kinds of electronic equipments, described electronic equipment includes the proxy payment device as described in any one of claim 6 to 10.
Priority Applications (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510276466.9A CN105989494A (en) | 2015-05-27 | 2015-05-27 | Agent payment method and device as well as electronic equipment |
| JP2017561000A JP6697484B2 (en) | 2015-05-27 | 2016-04-20 | Proxy payment method, proxy payment device and electronic device |
| PCT/CN2016/079732 WO2016188272A1 (en) | 2015-05-27 | 2016-04-20 | Proxy payment method, device and electronic device |
| SG11201708070UA SG11201708070UA (en) | 2015-05-27 | 2016-04-20 | Proxy payment method, device and electronic device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510276466.9A CN105989494A (en) | 2015-05-27 | 2015-05-27 | Agent payment method and device as well as electronic equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105989494A true CN105989494A (en) | 2016-10-05 |
Family
ID=57040320
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510276466.9A Pending CN105989494A (en) | 2015-05-27 | 2015-05-27 | Agent payment method and device as well as electronic equipment |
Country Status (4)
| Country | Link |
|---|---|
| JP (1) | JP6697484B2 (en) |
| CN (1) | CN105989494A (en) |
| SG (1) | SG11201708070UA (en) |
| WO (1) | WO2016188272A1 (en) |
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| CN107180345A (en) * | 2017-07-20 | 2017-09-19 | 东莞市盟大塑化科技有限公司 | A kind of method of commerce paid under online trading line |
| CN108009919A (en) * | 2017-11-22 | 2018-05-08 | 深圳怡化电脑股份有限公司 | A kind of financial trade method, device, equipment and readable storage medium storing program for executing |
| JP2018156526A (en) * | 2017-03-21 | 2018-10-04 | 日本電気株式会社 | Settlement management apparatus, settlement processing method, and program |
| CN110119941A (en) * | 2018-02-07 | 2019-08-13 | 银联国际有限公司 | Mobile-payment system and method for mobile payment |
| CN110555697A (en) * | 2018-06-04 | 2019-12-10 | 北京嘀嘀无限科技发展有限公司 | Fee payment management method, system, computer device and computer readable medium |
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| CN108765152B (en) * | 2018-05-22 | 2022-07-12 | 中国建设银行股份有限公司 | Method and device for generating delivery instruction |
| CN112837147A (en) * | 2021-02-26 | 2021-05-25 | 中国银行股份有限公司 | Business application handling implementation method and device and computer equipment |
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Also Published As
| Publication number | Publication date |
|---|---|
| SG11201708070UA (en) | 2017-11-29 |
| JP2018515858A (en) | 2018-06-14 |
| WO2016188272A1 (en) | 2016-12-01 |
| JP6697484B2 (en) | 2020-05-20 |
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