CN106779673A - A kind of electric paying method and system - Google Patents
A kind of electric paying method and system Download PDFInfo
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- CN106779673A CN106779673A CN201510816576.XA CN201510816576A CN106779673A CN 106779673 A CN106779673 A CN 106779673A CN 201510816576 A CN201510816576 A CN 201510816576A CN 106779673 A CN106779673 A CN 106779673A
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- terminal
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- authorization message
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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
- G06Q20/30—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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/4014—Identity check for transactions
Abstract
The embodiment of the invention discloses a kind of electric paying method and system, it is related to Internet technical field, the range of application of E-Payment means can be expanded.The method of the present invention includes：User terminal generates payment information, and payment information at least includes the identification information and account information of the terminal of generation payment information；Receiving device reads payment information, and generates solicited message according to payment information；When the solicited message that payment administrative system sends according to receiving device, whether the authorization message of detection payment administrative system distribution currently corresponds to user terminal, if then judging that user terminal has obligation authority.Management of the present invention suitable for offline electronic payment and offline electronic payment authority.
Description
Technical field
The present invention relates to Internet technical field, more particularly to a kind of electric paying method and system.
Background technology
With the development of Internet technology, and all kinds of novel electron end products are weeded out the old and bring forth the new, and the E-Payment means based on terminal device were developed rapidly in this several years.
But due to needing to send respective pay information to the server of on-line payment provider by wireless communication networks such as 3G/4G, wi-fi when paying, therefore in without the not good scene of network or network signal quality, terminal device is often difficult to on-line payment function, and user has to be swiped the card or paid in cash using traditional POS.And also due to terminal device is needed by wireless communication networks interaction data when paying, therefore need to consume partial discharge, show to be pushed to user and on the terminal device payment interface, especially when network signal quality is not good, user refreshes payment interface repeatedly can just successfully complete payment, cause flow loss.
As can be seen here, application E-Payment means on the terminal device are often influenceed by wireless network signal quality at present, especially in the poor environment of no signal or signal quality, it is difficult to successfully complete and pays or need consumption user extra time and flow to be operated repeatedly, so as to limits the range of application of E-Payment means.
The content of the invention
Embodiments of the invention provide a kind of electric paying method and system, can expand the range of application of E-Payment means.
To reach above-mentioned purpose, embodiments of the invention are adopted the following technical scheme that：
In a first aspect, embodiments of the invention provide a kind of electric paying method, including：User terminal generates payment information, and the payment information at least includes the identification information and account information of the terminal of the generation payment information；
Payment administrative system receives solicited message, and the solicited message is generated by receiving device according to the payment information；
The payment administrative system detects whether the authorization message of the payment administrative system distribution currently corresponds to the user terminal, if then judging that the user terminal has the obligation authority.
With reference in a first aspect, in the first possible implementation of first aspect, also including：
The payment administrative system detects the user terminal, if within a specified time successfully complete on-line payment at least one times；
If then distributing the authorization message to the user terminal.
With reference to first aspect, in second possible implementation of first aspect, in the terminal for generating the payment information, the payment information also includes the authorization message for the authorization message storage, and the solicited message is generated by the receiving device using the receiving device；
Whether the authorization message of the detection payment administrative system distribution currently includes corresponding to the user terminal：
The account information is obtained from the solicited message, and extracts the authorization message set corresponding to the account information of the payment administrative system storage；
And detect whether the authorization message in the solicited message is identical with the authorization message being newly generated in the authorization message set, judges that the user terminal has the obligation authority if identical.
With reference to the first possible implementation of first aspect or first aspect, in the third possible implementation, also include：
When the payment administrative system detects the authorization message corresponding to the second terminal, detect that the second terminal whether there is corresponding relation with first terminal, wherein, the user terminal includes the first terminal and the second terminal, and the payment information is generated by the first terminal；
If the second terminal has corresponding relation with first terminal, the payment administrative system sets up the corresponding relation of the authorization message and the first terminal.
With reference to the third possible implementation of first aspect, in the 4th kind of possible implementation, the user terminal generates payment information, including：The user terminal is generated as the encoding of graphs of the payment information according to the identification information and the account information, and the authorization message is corresponded with the account information；
There is corresponding relation with first terminal in the second terminal：The first terminal corresponds to identical account information with the second terminal.
With reference to the 4th kind of possible implementation of first aspect, in the 5th kind of possible implementation, also include：
When the second terminal has the authorization message, the second terminal generates authority transfer coding according to the authorization message；
The first terminal reads the authority transfer coding, and obtains the authorization message.
With reference to the third possible implementation of first aspect, in the 6th kind of possible implementation, the payment administrative system sets up the corresponding relation of the authorization message and the first terminal, including：
Whether the first terminal is detected in default terminal set, the terminal set includes：The identification information of account information identical terminal corresponding with the second terminal；
If so, then the payment administrative system sets up the corresponding relation of the authorization message and the first terminal.
Second aspect, embodiments of the invention provide a kind of electronic fare payment system, including：User terminal, for generating payment information, the payment information at least includes the identification information and account information of the terminal of the generation payment information；
Payment administrative system, for according to solicited message, detect whether the authorization message of the payment administrative system distribution currently corresponds to the user terminal, if then judging that the user terminal has the obligation authority, the solicited message is generated by receiving device according to the payment information.
With reference to second aspect, in the first possible implementation of second aspect, the payment administrative system is additionally operable to detect the user terminal, if within a specified time successfully complete on-line payment at least one times；If then distributing the authorization message to the user terminal.
With reference to the first possible implementation of second aspect or second aspect, in second possible implementation, the payment administrative system, it is additionally operable to when the authorization message is detected corresponding to the second terminal, detect that the second terminal whether there is corresponding relation with first terminal, wherein, the user terminal includes the first terminal and the second terminal, and the payment information is generated by the first terminal；If the second terminal has corresponding relation with first terminal, the corresponding relation of the authorization message and the first terminal is set up；There is corresponding relation with first terminal in the second terminal：The first terminal corresponds to identical account information with the second terminal；
The user terminal, is additionally operable to according to the identification information and the account information, generates as the encoding of graphs of the payment information, and the authorization message is corresponded with the account information；
The second terminal, is additionally operable to when the second terminal has the authorization message, and the second terminal generates authority transfer coding according to the authorization message；The first terminal, is additionally operable to read the authority transfer coding, and obtain the authorization message；
The payment administrative system, whether specifically for detecting the first terminal in default terminal set, the terminal set includes：The identification information of account information identical terminal corresponding with the second terminal；If so, then setting up the corresponding relation of the authorization message and the first terminal.
Electric paying method provided in an embodiment of the present invention and system, are that user terminal distributes authorization message by payment administrative system, realize the authority that payment administrative system authorizes offline electronic payment for user terminal.User terminal with offline electronic payment authority can be by generating payment information, payment information is read by the receiving device of businessman, and asked to pay to payment administrative system from receiving device, it is achieved thereby that offline user equipment completes on-line payment, expand the range of application of E-Payment means.And due to realizing the distribution of offline electronic payment authority by distributing authorization message, it is easy to offline electronic payment authority to be shifted between the different terminals of same user, avoid and the terminal with offline electronic payment authority is not carried due to user, and the problem of offline electronic payment function cannot be realized, further expand the range of application of E-Payment means.
Brief description of the drawings
Technical scheme in order to illustrate more clearly the embodiments of the present invention, the accompanying drawing to be used needed for embodiment will be briefly described below, apparently, drawings in the following description are only some embodiments of the present invention, for those of ordinary skill in the art, on the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is specific system architecture schematic diagram provided in an embodiment of the present invention；
Fig. 2 is the schematic flow sheet of electric paying method provided in an embodiment of the present invention；
Fig. 3, Fig. 4 a, Fig. 4 b are the schematic diagram of instantiation provided in an embodiment of the present invention；
Fig. 5 a, Fig. 5 b are the structural representation of electronic fare payment system provided in an embodiment of the present invention.
Specific embodiment
To make those skilled in the art more fully understand technical scheme, the present invention is described in further detail with reference to the accompanying drawings and detailed description.Embodiments of the present invention are described in more detail below, the example of the implementation method is shown in the drawings, wherein same or similar label represents same or similar element or the element with same or like function from start to finish.Implementation method below with reference to Description of Drawings is exemplary, is only used for explaining the present invention, and is not construed as limiting the claims.
Those skilled in the art of the present technique are appreciated that unless expressly stated singulative " " used herein, " one ", " described " and " being somebody's turn to do " may also comprise plural form.It should be further understood that, used in specification of the invention wording " including " refer to the presence of the feature, integer, step, operation, element and/or component, but it is not excluded that in the presence of or add one or more other features, integer, step, operation, element, component and/or their group.It should be understood that when we claim element to be " connected " or during " coupled " to another element, it can be directly connected or coupled to other elements, or can also there is intermediary element.Additionally, " connection " used herein or " coupling " can include wireless connection or coupling.Wording "and/or" used herein includes one or more associated any cells for listing item and all combines.
Those skilled in the art of the present technique are appreciated that unless otherwise defined all terms (including technical term and scientific terminology) used herein have the general understanding identical meaning with the those of ordinary skill in art of the present invention.It should also be understood that those terms defined in such as general dictionary should be understood that with the meaning consistent with the meaning in the context of prior art, and unless defined as here, will not be with idealizing or excessively formal implication be explained.
The embodiment of the present invention can apply to a kind of transaction system, at least include for distributing and judging the payment administrative system of user's obligation authority (in actual applications in transaction system, payment administrative system can also be as shown in Figure 1 be referred to as payment code system group), payment administrative system can specifically include payment code service system cluster as shown in Figure 1, and the payment code database server being connected with payment code service system cluster, wherein, payment code service system cluster specifically can be used for the solicited message of receiving device transmission, and the payment information generated by user equipment judges whether user equipment has obligation authority, it is additionally operable to distribute authorization message to user terminal, payment information can be generated by authorization message under off-line state in order to user terminal；Code database server is paid the bill specifically for storing the identification information and the account information of user of the terminal of the user that registration is completed on payment administrative system, code service system cluster of also paying the bill distributes authorization message to user terminal.
Receiving device can be specifically SSF (the Service Switch Function that businessman is used to be carried out to user gathering behavior, Service Switching Function) equipment, such as scanning machine, electric business platform is supplied to transaction terminal of businessman etc., payment information for scanning user terminal generation, and to payment code service system collection pocket transmission solicited message.For example：As shown in Figure 1, SSF clusters include the SSF equipment of multiple businessmans.
Transaction system can be specifically the system for showing commodity interface, receiving order that electric business platform or third party provide, and send specific payment/transfer information etc. to payment administrative system.Transaction system and SSF clusters carry out data interaction by SSF buses and payment administrative system.
The embodiment of the present invention provides a kind of electric paying method, as shown in Fig. 2 including：
101, user terminal generation payment information.
Wherein, the payment information at least includes the identification information and account information of the terminal of the generation payment information.In the present embodiment, user terminal can generate payment information according to the identification information of terminal and the account information of user；If user terminal has been locally stored the authorization message of payment administrative system distribution, the authorization message that user terminal can be distributed according to the identification information of terminal, the account information of user and payment administrative system generates payment information.
Specifically, the user terminal generation payment information, including：The user terminal is generated as the encoding of graphs of the payment information according to the identification information and the account information, and the authorization message is corresponded with the account information.Wherein, encoding of graphs can be specifically Quick Response Code or bar code, or can also be that other can be by receiving device surface sweeping and the encoding of graphs for reading.
102, payment administrative system receives solicited message, and the solicited message is generated by receiving device according to the payment information.
In the present embodiment, receiving device can read the payment information that user terminal sends by bluetooth, it is also possible to read payment information by information input unit, for example：The authorization message that family terminal is distributed according to the identification information of terminal, the account information of user and payment administrative system is generated as the Quick Response Code of payment information, then receiving device reads Quick Response Code by code reader, and the authorization message of the identification information, the account information of user and payment administrative system distribution of terminal is obtained from Quick Response Code.
103, the payment administrative system detects whether the authorization message of the payment administrative system distribution currently corresponds to the user terminal, if then judging that the user terminal has the obligation authority.
If otherwise judging, the user terminal does not have the obligation authority currently.This transaction of the user terminal can be refused, or offline electronic payment authority is shifted to the currently used user terminal from the other terminals corresponding to same account information.
In the present embodiment, the authorization message of payment administrative system distribution currently corresponds to the user terminal, can be implemented as：Payment administrative system is for user terminal is distributed and have sent authorization message, user terminal is being locally stored the authorization message, and the newest authorization message for once updating is stored in payment administrative system, if user terminal is being locally stored the newest authorization message for once updating of payment administrative system, then judge that the authorization message of payment administrative system distribution currently corresponds to the user terminal, user terminal has obligation authority, wherein, user terminal can be by generating the content that payment information is addition authorization message, so as to the authorization message that user terminal is locally stored is sent and verified by accepting device to payment administrative system；The authorization message of payment administrative system distribution currently corresponds to the user terminal, can also be implemented as：Payment administrative system is assigned with authorization message for user terminal, and store it is newest once update authorization message when terminal identification information, if the identification information of terminal when being currently generated the identification information of the user terminal of payment information with newest once renewal authorization message is identical, judge that the authorization message of payment administrative system distribution currently corresponds to the user terminal.And in the authority record that is locally stored of user terminal, for representing the user terminal currently authority with offline electronic payment.
Electric paying method provided in an embodiment of the present invention, is that user terminal distributes authorization message by payment administrative system, realizes the authority that payment administrative system authorizes offline electronic payment for user terminal.User terminal with offline electronic payment authority can be by generating payment information, payment information is read by the receiving device of businessman, and asked to pay to payment administrative system from receiving device, it is achieved thereby that offline user equipment completes on-line payment, expand the range of application of E-Payment means.And due to realizing the distribution of offline electronic payment authority by distributing authorization message, it is easy to offline electronic payment authority to be shifted between the different terminals of same user, avoid and the terminal with offline electronic payment authority is not carried due to user, and the problem of offline electronic payment function cannot be realized, further expand the range of application of E-Payment means.
The rule mechanism that authorization message is distributed for payment administrative system is further devised in the present embodiment, payment administrative system can in real time for user terminal distributes authorization message, or the corresponding relation (updating the corresponding relation of authorization message and the identification information of different terminals) between the different terminals under renewal authorization message and same account, as a example by distributing authorization message before user terminal generation payment information, the method flow of the present embodiment also includes：
The payment administrative system detects the user terminal, if within a specified time successfully complete on-line payment at least one times.
If then distributing the authorization message to the user terminal.For example：The event that payment administrative system further comprises triggers center, and event triggering center is used to record the licensing status of user terminal and the historical record (including online success/unsuccessfully payment) of on-line payment.Interact process as shown in Figure 3：Payment code service system monitors event triggering center, and obtain the historical record of user terminal on-line payment, and check the licensing status of the user terminal, check payment code service system with the presence or absence of authority record (checking whether the user terminal has offline electronic payment authority, specially detect whether the user terminal establishes corresponding relation with most newly assigned authorization message).
Wherein：If the user terminal does not exist authority record, authority record is increased newly；If the user terminal has authority record does not release state, show that the user terminal currently has offline electronic payment authority, therefore operation bidirectional is not carried out for the user terminal；If the user terminal has authority record and released, update this and be recorded as coming into force, and release current other records that come into force, so as to offline electronic payment authority is transferred into the user terminal by the other-end under same account；If in the presence of the authority record that comes into force of the other-end being in the user terminal under same account, releasing other and coming into force and record and increase newly the authority record of the user terminal, so as to offline electronic payment authority is transferred into the user terminal by the other-end under same account.
If the user terminal is within a specified time not successfully completed on-line payment at least one times, or the user terminal has exceeded the duration of specified time apart from upper one time for successfully completing on-line payment, then payment administrative system judges that offline electronic payment authority should not be distributed, i.e., do not distribute the authorization message to the user terminal.For example：As shown in fig. 4 a, payment administrative system can carry out the judgement of time legitimacy by SDK servers, and SDK servers login payment administrative system specifically for guiding user, belong in payment administrative system for carrying out the headend equipment of direct interaction with user terminal.
Wherein：SDK servers have received businessman receiving device send solicited message (including this user equipment hair send payment information, code of paying the bill is referred to as in this example, authorization message in payment information is referred to as authorizing ID in this example) after, to payment code service system Sending Payments code check message, triggering payment code service system parsing payment code, and carry out the judgement of time legitimacy.
If the user terminal has exceeded the duration of specified time apart from upper one time for successfully completing on-line payment, payment code service system judges that the time is illegal, and returns to the message for representing the overdue mistake of payment code to SDK servers；If the time has exceeded the duration of specified time, payment code service system judges that the time is legal, and further whether detection has been used payment code service system in local library with the presence or absence of payment code.
If payment code has been used, returned for representing the payment reusable message of code to SDK servers.If payment code is not used by, whether the mandate ID in payment code service system detection payment code is legal.
If authorizing ID illegal, the message illegal for representing payment code is returned to SDK servers；If authorizing ID legal, being proved to be successful for payment code returns to the user profile of the user terminal for sending payment code to SDK servers, so that SDK servers and user terminal perform follow-up payment interaction.
In the present embodiment, when user terminal is online, payment system can also be by being authenticated to user terminal and distributing authorization message, such as：
As shown in fig. 4 a, when user opens the shopping application on user terminal, and after entering payment interface, user terminal can trigger shopping application self-inspection locally with the presence or absence of authorization message, if detecting networking state in the absence of if.
If user terminal is offline, the prompting of " asking on-line operation " is reported an error and shown；If online, shopping application sends the message of acquisition request payment code to FTIS (FINANCE-TERMINAL-INTERFACE-SYSTEM, financial terminal interface system), and is forwarded to payment code service system via FTIS；
Payment code service system (i.e. backstage) detects whether the user equipment can distribute offline payment authority and (for example detect whether in default terminal set, the terminal recorded in terminal set can both distribute offline payment authority), if it is not, then passing online payment information (or being online payment code) back to user terminal by FTIS；If so, then passing authorization message back to user terminal by FTIS, user terminal is locally generated payment information (or being offline payment code) according to the authorization message passed back.
Simultaneously locally there is authorization message in shopping application self-inspection, then be directly locally generated payment information according to authorization message.
Further, the authority transfer scheme between a kind of different terminals of offline electronic payment authority under same account is additionally provided in the present embodiment, therefore is also included on the basis of said process：
When the payment administrative system detects the authorization message corresponding to the second terminal, detect that the second terminal whether there is corresponding relation with first terminal, wherein, the user terminal includes the first terminal and the second terminal, and the payment information is generated by the first terminal.
If the second terminal has corresponding relation with first terminal, the payment administrative system sets up the corresponding relation of the authorization message and the first terminal.
There is corresponding relation with first terminal in the second terminal：The first terminal corresponds to identical account information with the second terminal.For example：
In actual applications, being used by a user in may have multiple using the terminal of same account, for example：Many users possess PAD and smart mobile phone simultaneously, and often use same account during user's online shopping on PAD and smart mobile phone.Therefore pay the bill code database server in should also store the account information of user and the corresponding relation of all of terminal device of user, i.e., corresponding to same account information under multiple terminals identification information.Under normal circumstances, payment code service system cluster is that an account distributes an authorization message, and the terminal corresponding to meeting real-time update authorization message, so that realizing the function of offline electronic payment in the presently used terminal of user, and by detection corresponding to the newest terminal for once completing on-line payment under same account information, by obligation authority by corresponding to the other-end under same account information, being shifted to the newest terminal for once completing on-line payment.For example：Payment code service system cluster is assigned with authorization message for the account of user A, and user A possesses 3 terminals：Terminal 1, terminal 2 and terminal 3, and on-line payment is all successfully made by terminal 1, terminal 2 and terminal 3, then the account of payment code database server record user A is assigned with the identification information that authorization message has corresponded to the identification information of terminal 1, the identification information of terminal 2 and terminal 3, and the newest terminal 2 for once carrying out on-line payment sets up the corresponding relation with authorization message, and obligation authority is distributed into terminal 2 so as to complete.Afterwards, when user's using terminal 3 completes on-line payment again, then set up the corresponding relation of terminal 3 and authorization message again, and stop the corresponding relation of terminal 2 and authorization message, thus complete obligation authority from transfer from terminal 2 to terminal 3.
Further, the scope that can be shifted with self-defined authority in the present embodiment, specifically, the payment administrative system sets up the corresponding relation of the authorization message and the first terminal, including：
Whether the first terminal is detected in default terminal set, the terminal set includes：The identification information of account information identical terminal corresponding with the second terminal.If so, then the payment administrative system sets up the corresponding relation of the authorization message and the first terminal.
Specifically, in the present embodiment, in the terminal for generating the payment information, the payment information also includes the authorization message for the authorization message storage, and the solicited message is generated by the receiving device using the receiving device.Wherein, whether the authorization message of the detection payment administrative system distribution currently includes corresponding to the user terminal：The account information is obtained from the solicited message, and extracts the authorization message set corresponding to the account information of the payment administrative system storage.And detect whether the authorization message in the solicited message is identical with the authorization message being newly generated in the authorization message set, judges that the user terminal has the obligation authority if identical.For example：User can set the terminal device included in authorization message set under presence, and setting result is reported to payment administrative system.
In the present embodiment, it is also possible to authority is completed by the data interaction between terminal and is shifted, therefore also included on the basis of above-mentioned authority transfer scheme：When the second terminal has the authorization message, the second terminal generates authority transfer coding according to the authorization message.The first terminal reads the authority transfer coding, and obtains the authorization message.For example：Second terminal has been locally stored authorization message, the Quick Response Code that then second terminal can be encoded according to authorization message generation as authority transfer, after user is scanned using first terminal and reads the Quick Response Code of second terminal generation, i.e., authorized information is extracted from Quick Response Code.
The embodiment of the present invention also provides a kind of electronic fare payment system as shown in Figure 5 a, including：
User terminal, for generating payment information, the payment information at least includes the identification information and account information of the terminal of the generation payment information.
.Payment administrative system, for according to solicited message, detect whether the authorization message of the payment administrative system distribution currently corresponds to the user terminal, if then judging that the user terminal has the obligation authority, the solicited message is generated by receiving device according to the payment information.
Further, as shown in Figure 5 b, receiving device can also be included, for reading the payment information of the user terminal generation, and solicited message is generated according to the payment information.
Specifically, the payment administrative system, is additionally operable to detect the user terminal, if within a specified time successfully complete on-line payment at least one times.If then distributing the authorization message to the user terminal.
Further, the payment administrative system, it is additionally operable to when the authorization message is detected corresponding to the second terminal, detect that the second terminal whether there is corresponding relation with first terminal, wherein, the user terminal includes the first terminal and the second terminal, and the payment information is generated by the first terminal.If the second terminal has corresponding relation with first terminal, the corresponding relation of the authorization message and the first terminal is set up.There is corresponding relation with first terminal in the second terminal：The first terminal corresponds to identical account information with the second terminal.
The user terminal, is additionally operable to according to the identification information and the account information, generates as the encoding of graphs of the payment information, and the authorization message is corresponded with the account information.
The second terminal, is additionally operable to when the second terminal has the authorization message, and the second terminal generates authority transfer coding according to the authorization message.The first terminal, is additionally operable to read the authority transfer coding, and obtain the authorization message.
The payment administrative system, whether specifically for detecting the first terminal in default terminal set, the terminal set includes：The identification information of account information identical terminal corresponding with the second terminal.If so, then setting up the corresponding relation of the authorization message and the first terminal.
Electronic fare payment system provided in an embodiment of the present invention, is that user terminal distributes authorization message by payment administrative system, realizes the authority that payment administrative system authorizes offline electronic payment for user terminal.User terminal with offline electronic payment authority can be by generating payment information, payment information is read by the receiving device of businessman, and asked to pay to payment administrative system from receiving device, it is achieved thereby that offline user equipment completes on-line payment, expand the range of application of E-Payment means.And due to realizing the distribution of offline electronic payment authority by distributing authorization message, it is easy to offline electronic payment authority to be shifted between the different terminals of same user, avoid and the terminal with offline electronic payment authority is not carried due to user, and the problem of offline electronic payment function cannot be realized, further expand the range of application of E-Payment means.
Each embodiment in this specification is described by the way of progressive, and identical similar part is mutually referring to what each embodiment was stressed is the difference with other embodiment between each embodiment.For especially for apparatus embodiments, because it is substantially similar to embodiment of the method, so describing fairly simple, the relevent part can refer to the partial explaination of embodiments of method.
One of ordinary skill in the art will appreciate that all or part of flow in realizing above-described embodiment method, computer program be can be by instruct the hardware of correlation to complete, described program can be stored in a computer read/write memory medium, the program is upon execution, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, described storage medium can be magnetic disc, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access Memory, RAM) etc..
The above; specific embodiment only of the invention, but protection scope of the present invention is not limited thereto, any one skilled in the art the invention discloses technical scope in; the change or replacement that can be readily occurred in, should all be included within the scope of the present invention.Therefore, protection scope of the present invention should be defined by scope of the claims.
Claims (10)
1. a kind of electric paying method, it is characterised in that including：
User terminal generates payment information, and the payment information at least includes the terminal of the generation payment information
Identification information and account information；
Payment administrative system receives solicited message, and the solicited message is by receiving device according to the payment information
Generation；
The payment administrative system detects whether the authorization message of the payment administrative system distribution currently corresponds to
The user terminal, if then judging that the user terminal has the obligation authority.
2. method according to claim 1, it is characterised in that also include：
The payment administrative system detects the user terminal, if within a specified time successfully complete at least one
Secondary on-line payment；
If then distributing the authorization message to the user terminal.
3. method according to claim 1, it is characterised in that the authorization message storage is in generation institute
State in the terminal of payment information, the payment information also includes the authorization message, and the solicited message is by institute
Receiving device is stated to be generated using the receiving device；
Whether the authorization message of the detection payment administrative system distribution currently corresponds to the user terminal
Including：
The account information is obtained from the solicited message, and extracts the correspondence of the payment administrative system storage
In the authorization message set of the account information；
And detect the authorization message in the solicited message whether with the authorization message set in be newly generated
Authorization message it is identical, judge that the user terminal has the obligation authority if identical.
4. method according to claim 1 and 2, it is characterised in that also include：
When the payment administrative system detects the authorization message corresponding to the second terminal, institute is detected
Second terminal is stated with first terminal with the presence or absence of corresponding relation, wherein, the user terminal includes described first
Terminal and the second terminal, the payment information are generated by the first terminal；
If the second terminal has corresponding relation with first terminal, the payment administrative system is set up described
The corresponding relation of authorization message and the first terminal.
5. method according to claim 4, it is characterised in that the user terminal generates payment information,
Including：The user terminal is generated as the disbursement letter according to the identification information and the account information
The encoding of graphs of breath, the authorization message is corresponded with the account information；
There is corresponding relation with first terminal in the second terminal：The first terminal and the second terminal
Corresponding to identical account information.
6. method according to claim 5, it is characterised in that also include：
When the second terminal has the authorization message, the second terminal is given birth to according to the authorization message
Shifted into authority and encoded；
The first terminal reads the authority transfer coding, and obtains the authorization message.
7. method according to claim 4, it is characterised in that the payment administrative system is set up described
The corresponding relation of authorization message and the first terminal, including：
Whether the first terminal is detected in default terminal set, the terminal set includes：With it is described
The identification information of the corresponding account information identical terminal of second terminal；
If so, then the payment administrative system sets up the corresponding relation of the authorization message and the first terminal.
8. a kind of electronic fare payment system, it is characterised in that including：
User terminal, for generating payment information, the payment information at least includes the generation payment information
Terminal identification information and account information；
Payment administrative system, for according to solicited message, detecting the mandate letter of the payment administrative system distribution
Whether breath is current corresponds to the user terminal, if then judging that the user terminal has the obligation authority,
The solicited message is generated by receiving device according to the payment information.
9. system according to claim 8, it is characterised in that the payment administrative system, is additionally operable to
Detect the user terminal, if within a specified time successfully complete on-line payment at least one times；If then to
The user terminal distributes the authorization message.
10. system according to claim 8 or claim 9, it is characterised in that the payment administrative system, also
For when the authorization message is detected corresponding to the second terminal, detecting the second terminal and first
Terminal whether there is corresponding relation, wherein, the user terminal includes the first terminal and described second eventually
End, the payment information is generated by the first terminal；If the second terminal exists corresponding with first terminal
Relation, then set up the corresponding relation of the authorization message and the first terminal；The second terminal and first
There is corresponding relation in terminal：The first terminal corresponds to identical account information with the second terminal；
The user terminal, is additionally operable to according to the identification information and the account information, and generation is used as described
The encoding of graphs of payment information, the authorization message is corresponded with the account information；
The second terminal, is additionally operable to when the second terminal has the authorization message, and described second eventually
End generates authority transfer coding according to the authorization message；The first terminal, is additionally operable to read the authority
Transfer coding, and obtain the authorization message；
The payment administrative system, specifically for the detection first terminal whether in default terminal set,
The terminal set includes：The identification information of account information identical terminal corresponding with the second terminal；
If so, then setting up the corresponding relation of the authorization message and the first terminal.
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| CN201510816576.XA CN106779673B (en) | 2015-11-23 | 2015-11-23 | Electronic payment method and system |
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| CN201510816576.XA CN106779673B (en) | 2015-11-23 | 2015-11-23 | Electronic payment method and system |
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