CN106327162B - Mobile payment method, system and payment management platform - Google Patents
Mobile payment method, system and payment management platform Download PDFInfo
- Publication number
- CN106327162B CN106327162B CN201610784578.XA CN201610784578A CN106327162B CN 106327162 B CN106327162 B CN 106327162B CN 201610784578 A CN201610784578 A CN 201610784578A CN 106327162 B CN106327162 B CN 106327162B
- Authority
- CN
- China
- Prior art keywords
- payment
- platform
- information
- order information
- internet
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/10—Protocols in which an application is distributed across nodes in the network
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/2866—Architectures; Arrangements
- H04L67/30—Profiles
Abstract
The invention provides a mobile payment method, a mobile payment system and a payment management platform. The method comprises the following steps: receiving order information via a payment management platform in a local area network; sending the order information to a gateway server through a local area network via the payment management platform, sending the order information to a cloud server by the gateway server via the internet, and sending the order information to a payment platform by the cloud server via the internet; receiving information to be paid from a gateway server through a local area network via the payment management platform, wherein the information to be paid is generated by the payment platform based on order information, is sent to a cloud server via the internet, and is sent to the gateway server via the internet by the cloud server; and displaying the information to be paid so as to execute payment by a user based on the information to be paid. The implementation mode of the invention can improve the safety of mobile payment and reduce the cost, and can realize cloud configuration, thereby being very convenient for upgrading and maintaining.
Description
Technical Field
The invention belongs to the technical field of electronic payment, and particularly relates to a mobile payment method, a mobile payment system and a payment management platform.
Background
Mobile Payment (Mobile Payment), also called Mobile Payment, refers to a commercial transaction that both parties of a transaction use Mobile terminal equipment as a carrier for some goods or services and are realized through a Mobile communication network. The mobile terminal used for mobile payment may be a mobile phone, a Personal Digital Assistant (PDA), a mobile Personal Computer (PC), or the like.
Mobile payment is currently widely used in various industries. When payment is carried out after the purchase order, the user can carry out checkout operation in the modes of cash, card payment or third-party platform payment and the like. During payment, it is often necessary for a payment terminal (e.g., a card swipe terminal such as a card swipe) to have a stable connection to the internet. If the payment server cannot be normally connected to the network, the payment cannot be completed.
However, when there are many payment servers, connecting each payment server to the internet causes a cost problem. Moreover, when a large number of payments are settled simultaneously, the plurality of payment servers put little stress on the load and bandwidth of the network, and even possibly cause payment timeout due to network congestion.
In addition, directly exposing the payment server to the internet may also lead to security risk issues.
At present, there are two main ways for mobile payment in digital audiovisual places:
in the mode (1), the mobile terminal directly purchases products on a network platform through the Internet, and the mobile terminal directly pays on a payment platform of a third party. In the method (1), the digital audiovisual place cannot obtain the consumer data of the user, and cannot perform operations such as large data analysis.
And in the mode (2), the mobile terminal directly pays to a payment management platform in the digital audio-visual place, and the payment management platform is in butt joint with a payment platform of a third party. However, when new payment methods are introduced, the payment management platform must be updated. Because the payment management platform is arranged in the place, the payment management platform in the place has to perform corresponding operation after the payment mode is increased or changed every time, which is extremely inconvenient.
Disclosure of Invention
The embodiment of the invention provides a mobile payment method, a mobile payment system and a payment management platform, so that the safety is improved and the cost is reduced.
The technical scheme of the embodiment of the invention is as follows:
a mobile payment method, the method comprising:
receiving order information via a payment management platform in a local area network;
sending the order information to a gateway server through a local area network via the payment management platform, sending the order information to a cloud server by the gateway server via the internet, and sending the order information to a payment platform by the cloud server via the internet;
receiving information to be paid from a gateway server through a local area network via the payment management platform, wherein the information to be paid is generated by the payment platform based on order information, is sent to a cloud server via the internet, and is sent to the gateway server via the internet by the cloud server;
and displaying the information to be paid so as to execute payment by a user based on the information to be paid.
In one embodiment, the method further comprises:
the payment platform returns a payment result to the cloud server through the Internet;
the cloud server sends the payment result to the gateway server through the Internet;
and the gateway server sends the payment result to the payment management platform through the local area network.
In one embodiment, the method further comprises:
when a new payment platform is added, the cloud server further establishes internet connection with the new payment platform; the cloud server selects a target payment platform based on a preset strategy and sends the order information to the target payment platform; or
When the payment platform is replaced by another payment platform, the cloud server further establishes internet connection with the another payment platform; the cloud server sends the order information to the other payment platform via the internet; or
And when the payment platform is deleted, the cloud server deletes the internet connection with the payment platform.
In one embodiment, the payment management platform comprises at least one of:
ordering a terminal; a set-top box; a payment server. 5. The mobile payment method of claim 4, wherein receiving order information via a payment management platform in a local area network comprises:
receiving order information from a set top box via the local area network; wherein: the order information is triggered by a user at an order placing terminal and is sent to the set top box by the order placing terminal through the local area network;
or
Receiving order information from a payment server via the local area network; wherein: the order information is triggered by the manager on the payment server.
In one embodiment, the method further comprises:
at the payment server or the set-top box, merchant information is further carried in the order information.
In one embodiment, the merchant information includes at least one of:
a merchant name; a merchant code; a box name; a box identifier; and (5) encoding by the gateway server.
In one embodiment, the number of the payment servers is one or more; and/or
The information to be paid comprises a payment code in a two-dimensional code form or a bar code form, or a bank-type payment link.
A mobile payment system comprising: the system comprises a payment management platform, a gateway server, a cloud server and a payment platform, wherein the payment management platform is arranged in a local area network;
the payment management platform is used for receiving order information through the local area network and sending the order information to a gateway server through the local area network;
the gateway server is used for sending the order information to a cloud server through the Internet;
the cloud server is used for sending the order information to a payment platform through the Internet;
the payment platform is used for generating information to be paid based on the order information and sending the information to be paid to the cloud server through the Internet;
the cloud server is also used for sending the information to be paid to the gateway server through the Internet;
the gateway server is also used for sending information to be paid to a payment management platform through the local area network;
and the payment management platform is also used for displaying the information to be paid so as to execute payment by the user based on the information to be paid.
In one embodiment, the payment management platform includes at least one of:
ordering a terminal; a set-top box; a payment server.
In one embodiment, the system further comprises the mobile terminal to-be-paid information comprises a payment code in a two-dimensional code form or a bar code form, or a bank-type payment link;
the payment server is used for receiving order information from the set top box through the local area network, wherein the order information is triggered on the order placing terminal by a user and is sent to the set top box through the local area network by the order placing terminal;
and the mobile terminal is used for scanning the information to be paid so as to execute payment.
In one embodiment of the method of the present invention,
the payment platform is also used for returning a payment result to the cloud server through the Internet;
the cloud server is also used for sending the payment result to the gateway server through the Internet;
and the gateway server is also used for sending the payment result to the payment management platform through the local area network.
In one embodiment, the cloud server is further configured to:
when a new payment platform is added, further establishing internet connection with the new payment platform, selecting a target payment platform based on a preset strategy, and sending the order information to the target payment platform; or
When the payment platform is replaced by another payment platform, further establishing an internet connection with the another payment platform, and sending the order information to the another payment platform via the internet; or
When a payment platform is deleted, deleting the internet connection with the deleted payment platform.
A payment management platform, comprising:
the order information receiving unit is used for receiving order information through the local area network;
the order information sending unit is used for sending the order information to a gateway server through the local area network, sending the order information to a cloud server through the Internet by the gateway server, and sending the order information to a payment platform through the Internet by the cloud server;
the payment information receiving unit is used for receiving payment information from the gateway server through the local area network, the payment information is generated by the payment platform based on order information and is sent to the cloud server through the Internet, and then the payment information is sent to the gateway server through the Internet;
a display unit for displaying the information to be paid so as to execute payment by a user based on the information to be paid.
In one embodiment, the payment management platform is disposed in a digital audiovisual venue comprising at least one of: karaoke OK; an internet bar; a shadow bar; a billiard chamber.
As can be seen from the above technical solutions, in the embodiment of the present invention, order information is received via a payment management platform in a local area network; sending the order information to a gateway server through a local area network via the payment management platform, sending the order information to a cloud server by the gateway server via the internet, and sending the order information to a payment platform by the cloud server via the internet; receiving information to be paid from a gateway server through a local area network via the payment management platform, wherein the information to be paid is generated by the payment platform based on order information, is sent to a cloud server via the internet, and is sent to the gateway server via the internet by the cloud server; and displaying the information to be paid so as to execute payment by a user based on the information to be paid. Therefore, in the embodiment of the invention, the payment management platform does not need to have internet networking capability any more, so that the hardware cost is reduced. Especially, when the number of the payment servers in the payment management platform is multiple, the cost benefit of the embodiment of the invention is more obvious.
In addition, in the embodiment of the invention, when the payment platform changes, expands or upgrades the payment mode, the corresponding configuration work can be completed at the cloud end without any change of other service ends such as a ordering terminal, a payment server and the like, and the upgrade and the maintenance are greatly simplified.
In addition, in the embodiment of the invention, the transaction sensitive data of each transaction place can be managed in a centralized manner on the cloud server, so that the data security is ensured, and a key basis is provided for big data mining.
Drawings
Fig. 1 is an exemplary block diagram of a mobile payment system according to an embodiment of the present invention.
Fig. 2 is an exemplary flowchart of a mobile payment method at a payment management platform side according to an embodiment of the present invention.
Fig. 3 is an exemplary block diagram of a mobile payment system at a digital audiovisual location according to an embodiment of the present invention.
Fig. 4 is an exemplary flowchart of a mobile payment method at a digital audiovisual location according to an embodiment of the present invention.
Fig. 5 is an exemplary block diagram of a payment management platform according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail with reference to the accompanying drawings.
For simplicity and clarity of description, the invention will be described below by describing several representative embodiments. Numerous details of the embodiments are set forth to provide an understanding of the principles of the invention. It will be apparent, however, that the invention may be practiced without these specific details. Some embodiments are not described in detail, but rather are merely provided as frameworks, in order to avoid unnecessarily obscuring aspects of the invention. Hereinafter, "including" means "including but not limited to", "according to … …" means "at least according to … …, but not limited to … … only". In view of the language convention of chinese, the following description, when it does not specifically state the number of a component, means that the component may be one or more, or may be understood as at least one.
In view of the defect that the mobile payment can be realized only by directly connecting the payment server with the internet in the prior art, the embodiment of the invention provides a novel mobile payment method. The payment management platform can realize mobile payment without being directly connected with the internet, so that the safety of mobile payment is improved, and the cost is reduced.
The mobile payment system provided by the embodiment of the invention comprises: the system comprises a payment management platform, a gateway server, a cloud server and a payment platform, wherein the payment management platform is arranged in a local area network; the payment management platform is used for receiving the order information through the local area network and sending the order information to the gateway server through the local area network; the gateway server is used for sending the order information to the cloud server through the Internet; the cloud server is used for sending the order information to the payment platform through the Internet; the payment platform is used for generating information to be paid based on the order information and sending the information to be paid to the cloud server through the Internet; the cloud server is also used for sending the information to be paid to the gateway server through the Internet; the gateway server is also used for sending information to be paid to the payment management platform through the local area network; and the payment management platform is also used for displaying the information to be paid so as to execute payment by the user based on the information to be paid.
Preferably, the payment management platform comprises an ordering terminal, a set-top box and/or a payment server.
Fig. 1 is an exemplary block diagram of a mobile payment system according to an embodiment of the present invention.
As shown in fig. 1, the system includes: the payment system comprises an ordering terminal 101, a payment server 102, a gateway server 103, a cloud server 104 and a payment platform 105; wherein the ordering terminal 101, the payment server 102 and the gateway server 103 are arranged in the same local area network, which is arranged in the mobile payment location. The ordering terminal 101 and the payment server 102 are communicated to form a payment management platform.
The number of the order placing terminals 101 may be plural, and a plurality of users may generate respective order information on the respective order placing terminals 101.
In one embodiment, one or more ordering terminals 101 correspond to one payment server 102. Similarly, the number of the payment servers 102 may be plural, and one or more payment servers 102 correspond to one gateway server 103.
Specifically, the method comprises the following steps:
an ordering terminal 101, configured to send order information to a corresponding payment server 102 via a local area network;
a payment server 102, configured to receive order information from the order placing terminal 101 via a local area network, and send the order information to the gateway server 103 via the local area network;
a gateway server 103 for sending order information to a cloud server 104 via the internet;
a cloud server 104 for sending the order information 104 to a payment platform 105 via the internet;
the payment platform 105 is used for generating information to be paid based on the order information and sending the information to be paid to the cloud server 104 through the internet;
the cloud server 104 is further used for sending the information to be paid to the gateway server 103 via the internet;
the gateway server 103 is further used for sending the information to be paid to the payment server 102 which forwards the order information in the past through the local area network;
the payment server 102 is further configured to present the information to be paid, so as to execute payment by the user based on the information to be paid.
Specifically, the order information generated by the ordering terminal 101 may include a transaction time, a name of an ordered item, the number of ordered items, and the like. The order information can further carry merchant information such as place name, place code, box name, box ID, gateway server and the like.
In one embodiment, the information to be paid may be implemented as a payment code or a bank-like payment link. The user scans the payment code through the handheld mobile terminal to confirm the order and execute payment, or clicks a payment link of a triggered bank type to confirm the order and execute payment.
Furthermore, payment platform 105 may be a payment platform developed by the merchant itself, or any third party payment platform, such as a paypal payment platform, a WeChat payment platform, a Unionpay payment platform, and so forth.
As can be seen, in the system architecture shown in fig. 1, the payment server obtains order information based on the local area network, and obtains information to be paid from the cloud through the gateway server. The payment server no longer needs to have internet networking capability, thereby reducing hardware costs. Especially, when the number of the payment servers is plural, the cost effectiveness of the embodiment of the present invention is more significant.
In addition, in the embodiment of the invention, the payment server is not exposed in the internet any more, so that various security risk problems can be avoided.
In addition, in the embodiment of the invention, the transaction sensitive data of each transaction place can be managed in a centralized manner on the cloud server, so that the data security is ensured, and a key basis is provided for big data mining.
Fig. 2 is an exemplary flowchart of a mobile payment method at a payment management platform side according to an embodiment of the present invention.
As shown in fig. 2, the method includes:
step 201: order information is received by a payment management platform in the local area network.
Step 202: the order information is sent to the gateway server through the local area network via the payment management platform, the order information is sent to the cloud server by the gateway server via the internet, and the order information is sent to the payment platform by the cloud server via the internet.
Step 203: and receiving information to be paid from the gateway server through the local area network via the payment management platform, wherein the information to be paid is generated by the payment platform based on the order information, is sent to the cloud server via the internet, and is sent to the gateway server via the internet.
Step 204: the payment server presents the information to be paid to perform payment by the user based on the information to be paid.
In one embodiment, the method further comprises:
the payment platform returns a payment result to the cloud server through the Internet; the cloud server sends the payment result to the gateway server through the Internet; and the gateway server sends the payment result to the payment management platform through the local area network.
Therefore, the embodiment of the invention also realizes a payment result returning process, thereby facilitating the user to know the payment result.
In one embodiment, the method further comprises:
when a new payment platform is added, the cloud server further establishes internet connection with the new payment platform; the cloud server selects a target payment platform based on a predetermined strategy and sends order information to the target payment platform.
As can be seen, when a new payment platform is added, the cloud server further establishes an internet connection with the new payment platform, and the cloud server may select a target payment platform based on a predetermined policy (e.g., a priority selection manner, a bandwidth selection manner, etc.).
In one embodiment, the method further comprises:
when the payment platform is replaced by another payment platform, the cloud server further establishes internet connection with the other payment platform; the cloud server sends the order information to the further payment platform via the internet.
Therefore, when the payment platform is replaced by another payment platform, the cloud server can conveniently switch the order information to the other payment platform by establishing the internet connection with the other payment platform.
In one embodiment, the method further comprises: when the payment platform is deleted, the cloud server deletes the internet connection with the payment platform.
Therefore, when the payment platform is deleted, the cloud server can avoid sending the order information to the deleted transaction platform again by deleting the internet connection with the payment platform.
Therefore, when the payment platform is expanded, deleted or upgraded, corresponding configuration work can be completed at the cloud end without any change of other servers such as a ordering terminal and a payment server, and upgrading and maintenance are greatly simplified.
In one embodiment, the payment management platform includes at least one of: ordering a terminal; a set-top box; a payment server.
In one embodiment, the step 201 of receiving order information via a payment management platform in a local area network includes: the payment server receives order information from the set top box through the local area network; wherein: the order information is triggered by the user on the digital audio-visual terminal and is sent to the set-top box by the digital audio-visual terminal through the local area network. Specifically, the set-top box may obtain order information from the ordering terminal, where the order information includes transaction time, name of ordered goods, number of ordered goods, and the like.
In one embodiment, the step 201 of receiving order information via a payment management platform in a local area network includes: receiving order information directly from a payment server via a local area network; wherein: the order information is triggered by the manager on the payment server. Similarly, the order information may include a transaction time, a name of the ordered item, a number of the ordered item, and the like.
In one embodiment, the method further comprises: the set top box further carries merchant information in the order information. Preferably, the merchant information comprises at least one of: a merchant name; a merchant code; a box name; a box identifier; and (5) encoding by the gateway server.
In one embodiment, the set top box only packages a merchant name, a code, a box name and a box identifier when packaging information, and after order information is sent to a gateway server, the gateway server packages the gateway server code together and sends the gateway server code to the cloud; in another embodiment, the set-top box directly encapsulates all merchant information and sends the merchant information to the gateway, and the gateway server sends the merchant information to the cloud server.
While the above exemplary description describes embodiments in which the payment management platform receives order information via a local area network and embodiments of merchant information, those skilled in the art will appreciate that this description is merely exemplary and is not intended to limit the scope of embodiments of the present invention.
Based on the above description, the embodiment of the invention also provides an exemplary mobile payment system. The mobile payment system includes: the payment system comprises an ordering terminal, a payment server, a gateway server, a cloud server and a payment platform, wherein the ordering terminal, the payment server and the gateway server are arranged in a local area network.
The order issuing terminal is used for sending order information through the local area network;
the payment server is used for receiving order information from the order placing terminal through the local area network and sending the order information to the gateway server through the local area network;
the gateway server is used for sending the order information to the cloud server through the Internet; the cloud server is used for sending the order information to the payment platform through the Internet;
the payment platform is used for generating information to be paid based on the order information and sending the information to be paid to the cloud server through the Internet;
the cloud server is also used for sending the information to be paid to the gateway server through the Internet;
the gateway server is also used for sending information to be paid to the payment server through the local area network;
and the payment server is also used for displaying the information to be paid so as to execute payment by the user based on the information to be paid.
In one embodiment, the system further comprises a set top box and a mobile terminal; the information to be paid comprises a payment code in a two-dimensional code form or a bar code form or a bank payment link; the ordering terminal comprises a digital audio-visual terminal; the payment server receives order information from the set top box through the local area network, wherein the order information is triggered by a user on the digital audio-visual terminal and is sent to the set top box by the digital audio-visual terminal through the local area network; and the mobile terminal is used for the information to be paid so as to execute payment.
Embodiments of the present invention will now be described in detail with reference to the following examples, which are intended to be exemplary of embodiments of the present invention.
According to the embodiment of the invention, a payment server (such as a cash register server) in a digital audiovisual place can complete payment under the condition that the network cannot be connected.
Fig. 3 is an exemplary block diagram of a mobile payment system at a digital audiovisual location according to an embodiment of the present invention.
As can be seen from fig. 3, in the local area network of the digital audiovisual place, there are arranged a digital audiovisual terminal 301, a set-top box 302, a gateway server 303 and a payment server 304. The gateway server 303 has an internet connection with the cloud server 304, and the cloud server 304 is connected with the payment platform 305.
For example, the digital audiovisual terminal 301 may be implemented as a song order screen within a box of a digital audiovisual venue, or the like.
After a user places an order at the digital audiovisual terminal 301, the set-top box 302 receives an order request from the digital audiovisual terminal 301 based on the lan connection, associates and packages merchant information such as a place name, a place code, a box name, a box ID, a gateway server number, and the like with the order information, and then sends the packaged order information to the payment server 304 based on the lan.
The payment server 304 receives the order information and transmits the order information to the gateway server 303 based on the local area network.
The gateway server 303 sends the order information to the cloud server 304 through the internet, and after receiving the order information, the cloud server 304 decapsulates the encapsulated order information and sends the decapsulated order information to the corresponding payment platform 305 through the internet.
The payment platform 305 returns a payment code corresponding to the order information to the cloud server 304 through the internet, and the cloud server 304 packages the payment code and transmits the payment code to the gateway server 303 based on the internet. The gateway service 303 pushes the payment code to the payment server 304 over the local area network.
The user makes a payment for the payment code presented on the payment server 304 through the mobile terminal 306. After the payment is completed, the payment result is returned to the cloud server 304 by the corresponding payment platform 305, the cloud server 304 transmits the payment result to the gateway server 303 and the mobile terminal 306 of the user, and the gateway server 303 sends the payment result to the payment server 304, thereby completing the whole payment process.
When the payment platform 305 is changed, the change can be realized by changing the payment platform interface of the cloud server without changing the payment server 304 or the gateway server 303, so that the configuration work is simple.
Fig. 4 is an exemplary flowchart of a mobile payment method at a digital audiovisual location according to an embodiment of the present invention.
As shown in fig. 4, the method includes:
step 401: the user generates order information by ordering through a song-ordering screen in the digital audio-visual box.
Step 402: the set top box receives order information through the local area network, and encapsulates merchant information such as a merchant name, a merchant code, a box name, a box ID, a gateway server code and the like in the order information.
Step 403: the set top box sends the packaged order information to the payment server through the local area network based on a predetermined protocol, and the payment server sends the packaged order information to the gateway server through the local area network.
Step 404: and the gateway server sends the encapsulated order information to the cloud server through the Internet.
Step 405: and corresponding sending and receiving protocols are arranged on the cloud server, the received order information is unpacked, and the unpacked order information is sent to the payment platform through the Internet.
Step 406: and the payment platform returns the corresponding payment code to the cloud server.
Step 407: and the cloud server packages the corresponding payment code and returns the payment code to the gateway server.
Step 408: the gateway server pushes the payment code to the payment server via the local area network.
Step 409: the payment server generates information to be paid based on the payment code.
Step 410: and the user pays through the mobile terminal.
Step 411: after the payment is completed, the payment platform returns a payment result (e.g., a return code)) to the cloud server.
Step 412: and the cloud server packages the payment result and sends the payment result to the gateway server and the mobile terminal.
Step 413: and the gateway server returns the payment result to the place cash register server.
Step 414: the payment is completed.
The payment server is connected in the local area network, can be a plurality of payment servers, and is not directly connected with the Internet, so that the safety and the stability of the data of the payment server are ensured.
In addition, for the upgrading of the payment mode, only corresponding modification is needed to be carried out on the cloud server, and corresponding upgrading is not needed to be carried out on the corresponding gateway server and the corresponding mobile terminal, so that upgrading and maintenance become simple and convenient.
While embodiments of the present invention have been described above by way of example in a digital audiovisual field, those skilled in the art will appreciate that this description is merely exemplary and is not intended to limit the scope of embodiments of the present invention.
The embodiment of the invention also provides a payment management platform. Fig. 5 is an exemplary block diagram of a payment management platform according to an embodiment of the present invention.
As shown in fig. 5, the payment management platform 500 includes:
an order information receiving unit 501, configured to receive order information via a local area network;
an order information sending unit 502, configured to send the order information to a gateway server via the local area network, so that the gateway server sends the order information to a cloud server via the internet, and the cloud server sends the order information to a payment platform via the internet;
a to-be-paid information receiving unit 503, configured to receive information to be paid from the gateway server via the local area network, where the information to be paid is generated by the payment platform based on the order information, and is sent to the cloud server via the internet, and then is sent to the gateway server via the internet by the cloud server;
a presentation unit 504 for presenting information to be paid to perform payment by the user based on the information to be paid.
In one embodiment, the payment management platform 500 is disposed in a digital audiovisual venue, and the digital audiovisual venue includes at least one of: karaoke OK; an internet bar; a shadow bar; a billiard chamber.
In summary, in the embodiment of the present invention, the order information is received through the payment management platform in the local area network; sending the order information to a gateway server through a local area network via the payment management platform, sending the order information to a cloud server by the gateway server via the internet, and sending the order information to a payment platform by the cloud server via the internet; receiving information to be paid from a gateway server through a local area network via the payment management platform, wherein the information to be paid is generated by the payment platform based on order information, is sent to a cloud server via the internet, and is sent to the gateway server via the internet by the cloud server; and displaying the information to be paid so as to execute payment by a user based on the information to be paid. Therefore, in the embodiment of the invention, the payment server does not need to have internet networking capability, so that the hardware cost is reduced. Especially, when the number of the payment servers is plural, the cost effectiveness of the embodiment of the present invention is more significant.
In addition, in the embodiment of the invention, when the payment platform changes, expands or upgrades the payment mode, the corresponding configuration work can be completed at the cloud end without any change of other service ends such as a ordering terminal, a payment server and the like, and the upgrade and the maintenance are greatly simplified.
In addition, in the embodiment of the invention, the transaction sensitive data of each transaction place can be managed in a centralized manner on the cloud server, so that the data security is ensured, and a key basis is provided for big data mining.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (13)
1. A mobile payment method, the method comprising:
receiving order information via a payment management platform in a local area network that does not require internet networking capability, the payment management platform being disposed in a digital audiovisual venue; the payment management platform comprises one or more payment servers, wherein one or more ordering terminals correspond to one payment server; one or more payment servers correspond to one gateway server;
sending the order information to a gateway server through a local area network via the payment management platform, sending the order information to a cloud server by the gateway server via the internet, and sending the order information to a payment platform by the cloud server via the internet;
receiving information to be paid from a gateway server through a local area network via the payment management platform, wherein the information to be paid is generated by the payment platform based on order information, is sent to a cloud server via the internet, and is sent to the gateway server via the internet by the cloud server;
displaying the information to be paid to execute payment by a user based on the information to be paid;
the method further comprises the following steps:
when a new payment platform is added, the cloud server further establishes internet connection with the new payment platform; the cloud server selects a target payment platform based on a preset strategy and sends the order information to the target payment platform; or
When the payment platform is replaced by another payment platform, the cloud server further establishes internet connection with the another payment platform; the cloud server sends the order information to the other payment platform via the internet; or
And when the payment platform is deleted, the cloud server deletes the internet connection with the payment platform.
2. A mobile payment method as recited in claim 1, further comprising:
the payment platform returns a payment result to the cloud server through the Internet;
the cloud server sends the payment result to the gateway server through the Internet;
and the gateway server sends the payment result to the payment management platform through the local area network.
3. A mobile payment method as claimed in claim 1, wherein the payment management platform comprises at least one of:
ordering a terminal; a set-top box; a payment server.
4. The mobile payment method of claim 3, wherein receiving order information via a payment management platform in a local area network comprises:
receiving order information from a set top box via the local area network; wherein: the order information is triggered by a user at an order placing terminal and is sent to the set top box by the order placing terminal through the local area network;
or
Receiving order information from a payment server via the local area network; wherein: the order information is triggered by the manager on the payment server.
5. A mobile payment method as recited in claim 4, further comprising:
at the payment server or the set-top box, merchant information is further carried in the order information.
6. A mobile payment method as claimed in claim 5, wherein the merchant information comprises at least one of:
a merchant name; a merchant code; a box name; a box identifier; and (5) encoding by the gateway server.
7. A mobile payment method as claimed in claim 3, wherein the number of payment servers is one or more; and/or
The information to be paid comprises a payment code in a two-dimensional code form or a bar code form, or a bank-type payment link.
8. A mobile payment system, comprising: the system comprises a payment management platform, a gateway server, a cloud server and a payment platform which are arranged in a digital audio-visual place and do not need to have internet networking capability, wherein the payment management platform is arranged in a local area network;
the payment management platform is used for receiving order information through the local area network and sending the order information to a gateway server through the local area network; the payment management platform comprises one or more payment servers, wherein one or more ordering terminals correspond to one payment server; one or more payment servers correspond to one gateway server;
the gateway server is used for sending the order information to a cloud server through the Internet;
the cloud server is used for sending the order information to a payment platform through the Internet;
the payment platform is used for generating information to be paid based on the order information and sending the information to be paid to the cloud server through the Internet;
the cloud server is also used for sending the information to be paid to the gateway server through the Internet;
the gateway server is also used for sending information to be paid to a payment management platform through the local area network;
the payment management platform is also used for displaying the information to be paid so as to execute payment by a user based on the information to be paid;
the cloud server is further used for:
when a new payment platform is added, further establishing internet connection with the new payment platform, selecting a target payment platform based on a preset strategy, and sending the order information to the target payment platform; or when the payment platform is replaced by another payment platform, further establishing an internet connection with the another payment platform, and sending the order information to the another payment platform via the internet; or
When a payment platform is deleted, deleting the internet connection with the deleted payment platform.
9. The mobile payment system of claim 8, wherein the payment management platform comprises at least one of:
ordering a terminal; a set-top box; a payment server.
10. A mobile payment system as recited in claim 9, further comprising a mobile terminal; the information to be paid comprises a payment code in a two-dimensional code form or a bar code form or a bank payment link;
the payment server is used for receiving order information from the set top box through the local area network, wherein the order information is triggered on the order placing terminal by a user and is sent to the set top box through the local area network by the order placing terminal;
and the mobile terminal is used for scanning the information to be paid so as to execute payment.
11. The mobile payment system of claim 8,
the payment platform is also used for returning a payment result to the cloud server through the Internet;
the cloud server is also used for sending the payment result to the gateway server through the Internet;
and the gateway server is also used for sending the payment result to the payment management platform through the local area network.
12. A payment management platform disposed at a digital audiovisual location and not requiring internet networking capability, the payment management platform comprising one or more payment servers, wherein one or more drop terminals correspond to one payment server; one or more payment servers correspond to one gateway server; the payment management platform comprises:
the order information receiving unit is used for receiving order information through the local area network;
the order information sending unit is used for sending the order information to a gateway server through the local area network, sending the order information to a cloud server through the Internet by the gateway server, and sending the order information to a payment platform through the Internet by the cloud server;
the payment information receiving unit is used for receiving payment information from the gateway server through the local area network, the payment information is generated by the payment platform based on order information and is sent to the cloud server through the Internet, and then the payment information is sent to the gateway server through the Internet;
a presentation unit for presenting the information to be paid to perform payment by a user based on the information to be paid;
when a new payment platform is added, the cloud server further establishes internet connection with the new payment platform; the cloud server selects a target payment platform based on a preset strategy and sends the order information to the target payment platform; or
When the payment platform is replaced by another payment platform, the cloud server further establishes internet connection with the another payment platform; the cloud server sends the order information to the other payment platform via the internet; or
And when the payment platform is deleted, the cloud server deletes the internet connection with the payment platform.
13. The payment management platform of claim 12, wherein the digital audiovisual venue comprises at least one of: karaoke OK; an internet bar; a shadow bar; a billiard chamber.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610784578.XA CN106327162B (en) | 2016-08-31 | 2016-08-31 | Mobile payment method, system and payment management platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610784578.XA CN106327162B (en) | 2016-08-31 | 2016-08-31 | Mobile payment method, system and payment management platform |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106327162A CN106327162A (en) | 2017-01-11 |
| CN106327162B true CN106327162B (en) | 2020-06-02 |
Family
ID=57789310
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610784578.XA Active CN106327162B (en) | 2016-08-31 | 2016-08-31 | Mobile payment method, system and payment management platform |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106327162B (en) |
Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106686111A (en) * | 2017-01-17 | 2017-05-17 | 浪潮（苏州）金融技术服务有限公司 | Payment method and system and intermediate server |
| CN106845955A (en) * | 2017-01-18 | 2017-06-13 | 深圳市任网游科技发展有限公司 | Internet bar's expenses of surfing in Internet automatic charging method and system |
| CN107146342B (en) * | 2017-05-10 | 2019-10-18 | 泉州台商投资区捷赢网络科技有限公司 | A kind of self-service billiard ball operation system in outdoor and its method |
| CN109426997B (en) * | 2017-08-29 | 2022-04-12 | 北京京东尚科信息技术有限公司 | Method and device for processing information and server |
| CN109961293A (en) * | 2019-03-18 | 2019-07-02 | 深圳市雄帝科技股份有限公司 | Business method of payment, system, device, server and storage medium |
Family Cites Families (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7308431B2 (en) * | 2000-09-11 | 2007-12-11 | Nokia Corporation | System and method of secure authentication and billing for goods and services using a cellular telecommunication and an authorization infrastructure |
| KR100675758B1 (en) * | 2006-03-08 | 2007-01-30 | (주)앤알넷 | Payment system using prepaid-type terminals and method thereof |
| CN101894335A (en) * | 2010-06-17 | 2010-11-24 | 中兴通讯股份有限公司 | Payment method and system for on-line transaction and home gateway |
| CN102129750B (en) * | 2011-01-29 | 2012-07-04 | 佛山市南海科西亚数码电气有限公司 | Hand-held shopping self-service terminal |
| CN103166854B (en) * | 2011-12-12 | 2017-03-15 | 深圳市共进电子股份有限公司 | LAN and wan business binding method and system |
| CN102831735B (en) * | 2012-07-25 | 2015-06-17 | 北京数码视讯软件技术发展有限公司 | On-air credit-for-load control device, control method and on-air credit-for-load system and user terminal |
| CN103617526A (en) * | 2013-12-09 | 2014-03-05 | 福建联迪商用设备有限公司 | Mobile payment method and system based on router |
| CN103824218A (en) * | 2014-02-19 | 2014-05-28 | 南京物联传感技术有限公司 | Online shopping key system and online shopping method |
| CN105631654A (en) * | 2015-12-25 | 2016-06-01 | 中国民航信息网络股份有限公司 | Self-service counter payment method and system |
-
2016
- 2016-08-31 CN CN201610784578.XA patent/CN106327162B/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| CN106327162A (en) | 2017-01-11 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106327162B (en) | Mobile payment method, system and payment management platform | |
| US9037490B2 (en) | Two phase payment link and authorization for mobile devices | |
| US10664819B1 (en) | Systems and methods for associating a mobile device with a point of sale terminal | |
| WO2019179254A1 (en) | Self-service shopping settlement method and system | |
| CN108520605A (en) | A kind of self-help shopping air control method and system | |
| US20200202362A1 (en) | Nfc-based options selection | |
| CN101872453A (en) | Order processing system and method thereof | |
| CN110166427A (en) | Security processing that businessman's management equipment uses, apparatus and system | |
| CN104835033A (en) | Rapid shopping method based on mobile positioning technology | |
| CN102707972A (en) | POS (Point Of Sale) terminal program updating method and system | |
| CN109559167A (en) | On-line payment method, commodity retail platform and system, readable storage medium storing program for executing | |
| CN106469358B (en) | Logistics information processing method and device | |
| CN110473036A (en) | A kind of method and apparatus generating order number | |
| CN106529935A (en) | WeChat payment method and system | |
| CN106778941A (en) | Product warehouse-out control method and device based on barcode scanning terminal | |
| TW202113710A (en) | Internet of Things IOT equipment activation method, device and equipment | |
| US9456042B2 (en) | External device interface abstraction | |
| CN104954191A (en) | Method and system for compiling network communication data | |
| JP2018045733A (en) | Settlement system and program | |
| KR101675376B1 (en) | System and method for relaying payment between mobile payment means and off-line payment system | |
| CN106485478B (en) | Utilize hyperphoric system, the method and device of the hyperphoric object of resource | |
| GB2598260A (en) | Electronic transaction processing systems and methods | |
| US20040128239A1 (en) | Method and apparatus for conducting transactions generated at point-of-sale locations | |
| JP6212236B1 (en) | Delivery management method, delivery management server, delivery management server program, and delivery management system | |
| JP6934148B1 (en) | Virtual trading methods and systems for digital products |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |