CN106372875A - Payment processing system and method - Google Patents
Payment processing system and method Download PDFInfo
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- CN106372875A CN106372875A CN201610777856.9A CN201610777856A CN106372875A CN 106372875 A CN106372875 A CN 106372875A CN 201610777856 A CN201610777856 A CN 201610777856A CN 106372875 A CN106372875 A CN 106372875A
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- payment
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
-
- 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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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a payment processing system. The system comprises a server business platform and at least one user terminal. The server business platform includes: a first receiving module configured to receive a first payment request including the whole information sent by a user; a second receiving module configured to receive a second time or subsequent payment request sent by the user; a storage module configured to store the user payment recording information; and a payment flow guidance module configured to guide the user to rapidly complete the payment on the user terminal. The user terminal includes a receiving module and a sending module; the receiving module is configured to receive payment verification codes sent by the server business platform; and the sending module is configured to send the payment information including the payment verification codes. The payment processing system and method provided by the invention can improve the network shopping efficiency and greatly avoid the disadvantages of payment failure or too long waiting time caused by filling out tedious payment information by the user.
Description
Technical field
The present invention relates to field of computer technology, more particularly, to a kind of payment processing system and method.
Background technology
With the rise of digital entertainment, ecommerce, network payment technology is also fast-developing.Digital entertainment industry disappears
Expense major part is carried out in the way of high frequency time, low amount.With the development of network technology, net is carried out by computer or smart mobile phone
Upper shopping has had become as the necessary in life, and shopping online is gradually being deep into the every aspect in people's life.Example
As in online game, when user wants the virtual game stage property paid using some, buy each virtual game stage property,
A payment web page interlinkage will be opened accordingly, user needs repeatedly to fill in subscriber identity information, and bank card information etc. is loaded down with trivial details
Payment information and input the trading password of bank and identifying code completes to conclude the business.This kind of means of payment is complex, needs user
Repeatedly input information, wastes time and energy, poor user experience.
Content of the invention
For the defect of prior art, the present invention is intended to provide a kind of payment processing system and method, use can be improved
The payment efficiency when repeatedly consuming on the net for the family, makes user experience the enjoyment of quick payment.
In a first aspect, the invention provides a kind of payment processing system, comprising:
Server service platform and at least one user terminal；Described server service platform includes:
First receiver module, pays request for the first time comprising complete information that receive user sends；
Second receiver module, second or the payment request thereafter sending for receive user；
Memory module, for preserving the payment record information of described user；
Payment flow guiding module, for quickly completing to pay on described user terminal；
Described user terminal includes: receiver module and sending module, and described receiver module is used for receiving described server industry
The payment verification code that business platform sends；
Described sending module is used for sending the payment information comprising payment verification code.
As shown from the above technical solution, a kind of payment processing system that the present invention provides can improve user second and with
Pay the efficiency of the shopping at network of request afterwards, fast complete to pay.The present invention largely avoids user because repeatedly filling in
The drawbacks of subscriber identity information, the payment failure that the loaded down with trivial details payment information such as bank card information causes or waiting time are long.
Alternatively, described payment flow guiding module includes:
Searching modul, for searching the payment record of described user；
Judge module, for judging to whether there is the payment record of described user and described in described payment processing system
Whether user binds bank card in described server service platform；
Payment verification code management module, for providing the operation to the payment verification code in user's payment information.
Alternatively, described payment verification code management module includes:
Payment verification code generation module, for generating corresponding payment verification code according to described payment information；
Payment verification code check module, the payment that the payment verification code for verifying user terminal transmission is generated with system is tested
Whether card code is consistent；
Payment verification code extraction module, for receiving the payment request comprising payment verification code that described user sends；
Payment verification code sending module, for sending described payment verification code to described terminal.
Alternatively, the second receiver module of described server service platform is also used for second of receive user terminal transmission
Pay the request of the payment after request and be equal to second payment request process.
From the optional technical scheme of upper technology, a kind of payment processing system that the present invention provides improves user second
The safety of user's payment is maintained while the processing speed of secondary and later payment.Make the shopping that user fast trusts, pole
The payment experience that improve user of big degree.
Second aspect, a kind of payment processing method, comprising:
Step s1: what receive user sent comprises the first time payment request of complete information；
Step s2: second or payment request thereafter that receive user sends, search the payment record letter of described user
Breath is simultaneously judged according to described payment record information；
Step s3: complete to pay according to the information guidance user corresponding with described payment record of storage in system.
As shown from the above technical solution, a kind of payment processing method that the present invention provides can improve user second and with
The processing speed paying request afterwards, guiding user efficiently completes to pay.The present invention largely avoids user because many
Secondary fill in subscriber identity information, what the loaded down with trivial details payment information such as bank card information caused pay unsuccessfully or waiting time long disadvantage
End.
Alternatively, the payment record information of described user includes the bank card information of user's binding and described user is used for
Receive the end message of identifying code.
Alternatively, the judgement step of described user's payment record is as follows:
Step s201: whether there is the payment record of described user in judgement system；
Step s202: if the determination result is YES, then continue to judge whether described user has bound bank card in systems；
Step s203: if the determination result is YES, then point out described user to select the final means of payment；
Step s204: receive user select the means of payment, and according to user select the means of payment to Third-party payment
Channel carries out payment transaction.
Alternatively, the step that described guiding user completes to pay is:
Step s301: corresponding payment verification code is generated according to described payment information, and is used for receiving according to described user
The end message of identifying code sends described payment verification code to described terminal；
Step s302: receive the payment request comprising payment verification code that described user sends；
Step s303: comprise payment verification code described in checking pays the payment verification code that request generated whether with system
Cause；If the result is to be, obtain the bank card information of user's binding, and carry out payment transaction to Third-party payment channel.
Alternatively, the means of payment that in described step s204, user selects includes Alipay payment, bank card pays, wechat
Pay and a key pays.
Alternatively, if the payment that in described step s303, the described payment request comprising payment verification code is generated with system is tested
Card code is inconsistent or checking time limit that exceed default, then after the payment verification code that deletion system generates, generate one new
After payment verification code, described new payment verification code is sent to described user terminal and points out user to re-enter identifying code.
Alternatively, if the payment that in described step s303, the described payment request comprising payment verification code is generated with system is tested
Card code continuous three checking time limits that are inconsistent or exceeding default for continuous three times, then the payment verification code that deletion system generates
Afterwards and point out user to reselect the means of payment.
From the optional technical scheme of upper technology, a kind of payment processing method that the present invention provides improves user second
The safety of user's payment is maintained while the processing speed of secondary and later payment.Make the shopping that user fast trusts, pole
The payment experience that improve user of big degree.
Brief description
In order to be illustrated more clearly that the specific embodiment of the invention or technical scheme of the prior art, below will be to concrete
In embodiment or description of the prior art, the accompanying drawing of required use is briefly described.In all of the figs, similar element
Or partly typically identified by similar reference.In accompanying drawing, each element or part might not be drawn according to actual ratio.
Fig. 1 shows a kind of structured flowchart of payment processing system that the embodiment of the present invention one is provided；
Fig. 2 shows a kind of structured flowchart of payment processing system that the embodiment of the present invention two is provided；
Fig. 3 shows a kind of structured flowchart of payment processing system that the embodiment of the present invention three is provided；
The flow chart that Fig. 4 shows a kind of payment processing method that the embodiment of the present invention one is provided；
The flow chart that Fig. 5 shows a kind of payment processing method that the embodiment of the present invention two is provided；
The flow chart that Fig. 6 shows a kind of payment processing method that the embodiment of the present invention three is provided.
Specific embodiment
Below in conjunction with accompanying drawing, the embodiment of technical solution of the present invention is described in detail.Following examples are only used for
Clearly technical scheme is described, is therefore intended only as example, and the protection of the present invention can not be limited with this
Scope.It should be noted that unless otherwise stated, technical term used in this application or scientific terminology should be institute of the present invention
Belong to the ordinary meaning that skilled person is understood.
It should be noted that unless otherwise stated, technical term used in this application or scientific terminology should be this
The ordinary meaning that bright one of ordinary skill in the art are understood.
As shown in figure 1, the embodiment of the present invention one provides a kind of payment processing system, comprising:
Server service platform 10 and a user terminal 20；Described server service platform 10 includes:
First receiver module 11, pays request for the first time comprising complete information that receive user sends；
Second receiver module 12, second or the payment request thereafter sending for receive user；
Memory module 13, for preserving the payment record information of described user；
Payment flow guiding module 14, for quickly completing to pay on described user terminal；
Described user terminal 20 includes: receiver module 21 and sending module 22, and described receiver module 21 is used for receiving described
The payment verification code that server service platform sends；
Described sending module 22 is used for sending the payment information comprising payment verification code.
As shown in figure 4, a kind of payment processing method that the embodiment of the present invention one provides, comprising:
Step s1: using the first receiver module 11, what receive user sent comprises the first time payment request of complete information；
Step s2: using the second receiver module 12, second or payment request thereafter that receive user sends, search institute
State the payment record information of user and judged according to described payment record information；
Step s3: using memory module 13 and payment flow guiding module 14, according in system storage and described
Pay record corresponding information guidance user complete pay.
In the embodiment of the present invention one, a kind of payment processing system of present invention offer is provided in detail and method with the addition of second
Receiver module is used for receiving second and later user pays request, guides such use using payment flow guiding module
Family carries out quick payment, and this method improves payment speed, improves the payment experience of user.
As shown in Fig. 2 the embodiment of the present invention two provides a kind of payment processing system on the basis of described embodiment one,
Wherein, described payment flow guiding module 14 further includes:
Searching modul 141, for searching the payment record of described user；
Judge module 142, for judge in described payment processing system whether there is described user payment record and
Whether described user binds bank card in described server service platform；
Payment verification code management module 143, for providing the operation to the payment verification code in user's payment information.
The payment record information of described user includes the bank card information of user's binding and described user tests for reception
The end message of card code.
As shown in figure 5, the embodiment of the present invention two provides a kind of payment processing method on the basis of described embodiment one,
Wherein, the judgement step of described user's payment record is as follows:
Step s201: using searching modul 141 and judge module 142, whether there is described user's in judgement system
Payment record；
Step s202: if the determination result is YES, then continue with searching modul 141 and judge module 142 continues to judge
Whether described user has bound bank card in systems；
Step s203: if the determination result is YES, then point out described user to select the final means of payment；
Step s204: receive user select the means of payment, and according to user select the means of payment to Third-party payment
Channel carries out payment transaction.
In described step s204 user select the means of payment include Alipay pay, bank card pay, wechat pay with
And one key pay.
In the embodiment of the present invention two, a kind of detailed payment processing system listing present invention offer and method with the addition of
To user type and whether bind the flow process that bank card is judged, select second by judge module and carry out later
The user of delivery operation, using payment flow guiding module, improves payment speed, improves the payment experience of user.
As shown in figure 3, the embodiment of the present invention three provides a kind of payment processing system on the basis of described embodiment one,
Described payment verification code management module 143 further includes:
Payment verification code generation module 144, for generating corresponding payment verification code according to described payment information；
Payment verification code check module 145, for verifying user terminal the payment verification code sending and propping up that system generates
Whether consistent pay identifying code；
Payment verification code extraction module 146, for receiving the payment request comprising payment verification code that described user sends；
Payment verification code sending module 147, for sending described payment verification code to described terminal.
As shown in fig. 6, the embodiment of the present invention three provides a kind of payment processing method on the basis of described embodiment one,
Wherein, the step that described guiding user completes to pay is:
Step s301: using payment verification code generation module 144, corresponding payment verification is generated according to described payment information
Code, and it is used for receiving the end message of identifying code according to described user, using payment verification code sending module, described payment is tested
Card code sends to described terminal；
Step s302: using payment verification code extraction module 146, what the described user of reception sent comprises payment verification code
Pay request；
Step s303: using payment verification code check module 145, comprise described in checking the payment request of payment verification code with
Whether the payment verification code that system generates is consistent；If the result is to be, obtain the bank card information of user's binding, and to the
Tripartite's channel of disbursement carries out payment transaction.
If the payment verification code that in described step s303, the described payment request comprising payment verification code is generated with system is not
The checking time limit that is consistent or exceeding default, then, after the payment verification code that deletion system generates, generate a new payment and test
After card code, described new payment verification code is sent to described user terminal and points out user to re-enter identifying code.
If the described request that pays comprising payment verification code is connected with the payment verification code of system generation in described step s303
Continuous three checking time limits that are inconsistent or exceeding default for continuous three times, then after the payment verification code that deletion system generates and carry
Show that user reselects the means of payment.
In the embodiment of the present invention three, a kind of detailed payment processing system listing present invention offer and method application are tested
The flow process of card code quick payment, improves payment speed and ensure that safety of payment.
Finally it is noted that various embodiments above, only in order to technical scheme to be described, is not intended to limit；To the greatest extent
Pipe has been described in detail to the present invention with reference to foregoing embodiments, it will be understood by those within the art that: its according to
So the technical scheme described in foregoing embodiments can be modified, or wherein some or all of technical characteristic is entered
Row equivalent；And these modifications or replacement, do not make the essence of appropriate technical solution depart from various embodiments of the present invention technology
The scope of scheme, it all should be covered in the middle of the claim of the present invention and the scope of description.
Claims (10)
1. a kind of payment processing system is it is characterised in that include:
Server service platform and at least one user terminal；Described server service platform includes:
First receiver module, pays request for the first time comprising complete information that receive user sends；
Second receiver module, second or the payment request thereafter sending for receive user；
Memory module, for preserving the payment record information of described user；
Payment flow guiding module, for quickly completing to pay on described user terminal；
Described user terminal includes: receiver module and sending module, and described receiver module is used for receiving described server service puts down
The payment verification code that platform sends；
Described sending module is used for sending the payment information comprising payment verification code.
2. a kind of payment processing system according to claim 1 it is characterised in that: described payment flow guiding module bag
Include:
Searching modul, for searching the payment record of described user；
Judge module, for judging to whether there is the payment record of described user and described user in described payment processing system
Whether bind bank card in described server service platform；
Payment verification code management module, for providing the operation to the payment verification code in user's payment information.
3. a kind of payment processing system according to claim 2 it is characterised in that: described payment verification code management module bag
Include:
Payment verification code generation module, for generating corresponding payment verification code according to described payment information；
Payment verification code check module, for verifying the payment verification code that the payment verification code that user terminal sends is generated with system
Whether consistent.
Payment verification code extraction module, for receiving the payment request comprising payment verification code that described user sends；
Payment verification code sending module, for sending described payment verification code to described terminal.
4. a kind of payment processing method is it is characterised in that include:
Step s1: what receive user sent comprises the first time payment request of complete information；
Step s2: second or payment request thereafter that receive user sends, search the payment record information of described user simultaneously
Judged according to described payment record information；
Step s3: complete to pay according to the information guidance user corresponding with described payment record of storage in system.
5. a kind of payment processing method according to claim 4 it is characterised in that:
The payment record information of described user includes the bank card information of user's binding and described user is used for receiving identifying code
End message.
6. a kind of payment processing method according to claim 5 it is characterised in that: the judgement of described user's payment record step
Suddenly as follows:
Step s201: whether there is the payment record of described user in judgement system；
Step s202: if the determination result is YES, then continue to judge whether described user has bound bank card in systems；
Step s203: if the determination result is YES, then point out described user to select the final means of payment；
Step s204: receive user select the means of payment, and according to user select the means of payment to Third-party payment channel
Carry out payment transaction.
7. a kind of payment processing method according to claim 5 it is characterised in that: described guiding user complete pay step
Suddenly it is:
Step s301: corresponding payment verification code is generated according to described payment information, and is used for receiving checking according to described user
The end message of code sends described payment verification code to described terminal；
Step s302: receive the payment request comprising payment verification code that described user sends；
Step s303: comprise paying of payment verification code described in checking and ask the payment verification code generating with system whether consistent；
If the result is to be, obtain the bank card information of user's binding, and carry out payment transaction to Third-party payment channel.
8. a kind of payment processing method according to claim 6 it is characterised in that:
The means of payment that in described step s204, user selects includes Alipay payment, bank card pays, wechat payment and
Key pays.
9. a kind of payment processing method according to claim 7 it is characterised in that:
If in described step s303 described comprise payment verification code pay request with system generation payment verification code inconsistent
Or exceed checking time limit of default, then after the payment verification code that deletion system generates, generate a new payment verification code
Afterwards described new payment verification code is sent to described user terminal and points out user to re-enter identifying code.
10. a kind of payment processing method according to claim 7 it is characterised in that:
If the described payment verification code continuous three paying request and system generation comprising payment verification code in described step s303
The checking time limit that is secondary inconsistent or exceeding default for continuous three times, then deletion system generate payment verification code after and point out use
Family reselects the means of payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610777856.9A CN106372875A (en) | 2016-08-30 | 2016-08-30 | Payment processing system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610777856.9A CN106372875A (en) | 2016-08-30 | 2016-08-30 | Payment processing system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106372875A true CN106372875A (en) | 2017-02-01 |
Family
ID=57901072
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610777856.9A Pending CN106372875A (en) | 2016-08-30 | 2016-08-30 | Payment processing system and method |
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| Country | Link |
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| CN (1) | CN106372875A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107480963A (en) * | 2017-07-18 | 2017-12-15 | 阿里巴巴集团控股有限公司 | Payment processing method, device and electronic equipment |
| CN111126998A (en) * | 2019-12-24 | 2020-05-08 | 支付宝实验室(新加坡)有限公司 | Bar code payment-based implementation method and device and bar code payment-based system |
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| CN102509213A (en) * | 2011-11-16 | 2012-06-20 | 上海翰鑫信息科技有限公司 | System and method for remote payment and trade, mobile terminal and subscriber identity module (SIM) card |
| CN102880959A (en) * | 2012-09-18 | 2013-01-16 | 汇付天下有限公司 | Quick internet payment method and system |
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| CN102402745A (en) * | 2011-10-24 | 2012-04-04 | 广东汇卡商务服务有限公司 | Method and device for paying based on SD card |
| CN102509213A (en) * | 2011-11-16 | 2012-06-20 | 上海翰鑫信息科技有限公司 | System and method for remote payment and trade, mobile terminal and subscriber identity module (SIM) card |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107480963A (en) * | 2017-07-18 | 2017-12-15 | 阿里巴巴集团控股有限公司 | Payment processing method, device and electronic equipment |
| WO2019015550A1 (en) * | 2017-07-18 | 2019-01-24 | 阿里巴巴集团控股有限公司 | Payment processing method and apparatus, and electronic device |
| CN111126998A (en) * | 2019-12-24 | 2020-05-08 | 支付宝实验室(新加坡)有限公司 | Bar code payment-based implementation method and device and bar code payment-based system |
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Application publication date: 20170201 |