CN106779724A - A kind of limited discretion system and method based on Third-party payment - Google Patents
A kind of limited discretion system and method based on Third-party payment Download PDFInfo
- Publication number
- CN106779724A CN106779724A CN201710035030.XA CN201710035030A CN106779724A CN 106779724 A CN106779724 A CN 106779724A CN 201710035030 A CN201710035030 A CN 201710035030A CN 106779724 A CN106779724 A CN 106779724A
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- CN
- China
- Prior art keywords
- authorization module
- platform
- party payment
- capital
- fund
- 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.)
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Classifications
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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
-
- 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
Abstract
The present invention relates to a kind of limited discretion system and method based on Third-party payment, system includes：The consumer finance platform of transmission information, fund end server and Third-party payment platform successively；Fund end server signs payment contract with Third-party payment platform, and the key that acquisition Third-party payment platform is issued simultaneously is stored in the authorization module of fund end server；Capital is directly deployed on the consumer finance Platform Server of capital after taking the authorization module that consumer finance platform is provided, and distributes domain name, gives webserver configuration URI paths.The characteristics of present invention is using the side of making loans (capital) limited amount, solves the problems, such as to want trustship to solve originally using Third-party payment interface plus the authorization module of a go language development.Fund and time can be greatly saved for platform.This set program can also be extended self-defined authorization rule.
Description
Technical field
The present invention relates to on-line payment market, and in particular to a kind of limited discretion system and its side based on Third-party payment
Method.
Background technology
When consumer finance service platform is done, in order to provide one-stop service to assets end and fund end, reduce and access generation
Valency is, it is necessary to be integrated into the on-line payment at assets end and fund end in the platform page.Exploitation content is included capital's account fund
Get to when electric business account, consumer are refunded and fund is made into fund side, also all kinds of capitals, the clearing between electric business, platform.
For the online funds transfer demand of this kind of platform, the general scheme of industry is to deposit pipe using third party's fund.And deposit
Pipe scheme be the Banking Supervision Commission for the policy scheme for controlling the fund pool risk of P2P companies to put into effect, have during landing it is costly, money
The characteristics of matter examination ＆ verification threshold is high.And consumer finance platform is different from P2P platforms.Fund for most of consumer finance companies is closed
The one's own reserves units such as Zuo Fangshi factorings company, bank, the individual investor from P2P is different, capital quantity is big, have development ability,
Limited amount.
Technology and the market level, benefit from the maturation of on-line payment market, technology, the development of big data analytical technology, with
And the development of internet financial industry, consumer finance platform has explosive growth in nearly 2 years.Policy aspect, the Banking Supervision Commission is in order to control
The risk that runs away of indivedual bad platforms, delimit supervision red line, allow mutually gold platform interior fund pool occur, and concentrated
Rectify.In this context, the Technology Selection of consumer finance platform becomes the crucial ring for being related to company's living or death.
The on-line payment of current consumer finance platform class product, while trust when making loans at the fund of solution end is asked with safety
Topic, and fund pool is occurred without, there are three kinds of schemes：
1) access third party's trustship or deposit pipe.Have the disadvantage to implement threshold high, costly.
2) fund end provides bank settlement interface.Have the disadvantage the access at influence fund end, it is necessary at least fund end one month
Development time, it is difficult to realize the quick market expansion.
3) assets end is made loans to fund end for interface funding gold end, and platform is signed with fund end and withholds agreement, on behalf of gathering.
Have the disadvantage that passage expense is high, and increase the development cost at assets end.It is difficult to the quick market expansion.
The content of the invention
It is an object of the invention to provide a kind of limited discretion system and method based on Third-party payment, using the side of making loans
The characteristics of (capital) limited amount, the authorization module using Third-party payment interface plus a go language development is solved originally
The problem for wanting trustship to solve.
The purpose of the present invention is realized using following technical proposals：
The present invention provides a kind of limited discretion system based on Third-party payment, and it is theed improvement is that, the system bag
Include：The consumer finance platform of transmission information, fund end server and Third-party payment platform successively；Fund end server with
Third-party payment platform signs payment contract, and the key that acquisition Third-party payment platform is issued simultaneously is stored in fund end server
In authorization module；Capital take the consumer finance platform offer authorization module after be directly deployed in capital consumer finance platform take
On business device, and domain name is distributed, give webserver configuration URI paths.
Further, the consumer finance platform is service Saas platforms including capital's software, and capital's software is clothes
Business Saas platforms are used for instruction of being made loans to the transmission of fund end server authorization modules, and receive fund end server authorization modules
Completion notice of making loans.
Further, fund end server includes authorization module；The authorization module respectively with consumer finance platform
Capital's software be service Saas platforms and Third-party payment platform carry out data interaction.
Further, the authorization module services the transmission of Saas platforms for receiving capital's software of consumer finance platform
Instruction of making loans, and for being that service Saas platforms send completion notice of making loans to capital's software of consumer finance platform.
Further, there is the authorization module capital to confirm and click on the authority for confirming；The authorization module is used for
The key of the disconnected A servers of acquisition fund, and receive the " return " key" notice of fund end server.
Further, the authorization module sends instruction of making loans to Third-party payment platform, and it is flat to receive Third-party payment
The completion notice of making loans that platform sends.
Further, the authorization module is included for strengthening fund end for configuration that authorization module behavior base is controlled
Resolver, the HTTP service layer with HTTP service function, the dongle for encrypted transmission and decryption, for logic control
The logic core module of system and the Third-party payment driver for driving Third-party payment platform.
The present invention also provides a kind of limited discretion method based on Third-party payment, and it is theed improvement is that, methods described
Comprise the steps：
(1) capital's software is that service Saas platforms send instruction of making loans to authorization module；
(2) authorization module sends fund end and confirms to instruct and click on ACK button in the confirmation page；
(3) authorization module is calculated in the server of fund end and signs and obtain the key that Third-party payment platform is issued；
(4) key is returned to authorization module by Third-party payment platform；
(5) authorization module sends instruction of making loans after receiving key to Third-party payment platform；
(6) Third-party payment platform receives transmission and makes loans after instruction, is sent to authorization module and made loans completion notice；
(7) after authorization module receives completion notice of making loans, it is that service Saas platforms send completion of making loans to capital's software logical
Know.
Further, in the step (1) and step (5), request of the authorization module to instruction of making loans carries out AES
(Advanced Encryption Standard) is encrypted, and directly blocks the instruction of making loans of hacker's simulation.
Further, in the step (2), the confirmation page formed by the fund end domain name of fund end server come
Confirm each pen make loans instruction be all capital allow；
In the step (3), fund end server is strengthened for authorization module by the Command Line Parsing device of authorization module
The base control of behavior.
Compared with immediate prior art, the beneficial effect that technical scheme reaches is：
The present invention authorization module configurable by increased a rule, satisfactorily resolves.First, after using the module,
Platform can be sent instructions by the inline system of oneself to fund end, and fund end is made loans still in the control of oneself, fund
The gathering at end can directly receive the third party's account of oneself.And either work is not all developed at fund end or assets end additionally
Measure.
Fund end reduces development cost and improves and dock speed with platform without developing the interface of Third-party payment；
Fund end can flexibly configure authorization rule, make transaction safer.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
Fig. 1 is that the limited discretion system based on Third-party payment realizes flow chart；
Fig. 2 is the composition frame chart of authorization module.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, technical scheme will be carried out below
Detailed description.Obviously, described embodiment is only a part of embodiment of the invention, rather than whole embodiments.Base
Embodiment in the present invention, those of ordinary skill in the art are resulting on the premise of creative work is not made to be owned
Other embodiment, belongs to the scope that the present invention is protected.
First optimal technical scheme
As shown in figure 1, the present invention provides a kind of limited discretion system based on Third-party payment, including：Transmission successively is believed
The consumer finance platform of breath, fund end server and Third-party payment platform；Fund end server is put down with Third-party payment
Platform signs payment contract, and the key that acquisition Third-party payment platform is issued simultaneously is stored in the authorization module of fund end server；
Capital is directly deployed on the consumer finance Platform Server of capital after taking the authorization module that consumer finance platform is provided, and point
With domain name, webserver configuration URI paths are given.Wherein be deployed with the consumer finance Platform Server fund end Saas platform,
Fund end server disposition has the authorization module of golang language developments, and both are common to complete together with Third-party payment platform
Whole behavior of making loans.It is specific as follows：
Consumer finance platform is service Saas platforms including capital's software, and capital's software is that service Saas platforms are used for
Made loans instruction to the transmission of fund end server authorization modules, and it is logical to receive the completion of making loans of fund end server authorization modules
Know.
Preferably, fund end server includes authorization module；The authorization module respectively with consumer finance platform
Capital's software is that service Saas platforms and Third-party payment platform carry out data interaction.
Preferably, the authorization module services the transmission of Saas platforms for receiving capital's software of consumer finance platform
Make loans instruction, and for being that service Saas platforms send completion notice of making loans to capital's software of consumer finance platform.
Preferably, there is the authorization module capital to confirm and click on the authority for confirming；The authorization module is used to obtain
The key of the disconnected A servers of fund is taken, and receives the " return " key" of fund end server and notified.
Preferably, the authorization module sends instruction of making loans to Third-party payment platform, and receives Third-party payment platform
The completion notice of making loans for sending.
Preferably, the composition block diagram of authorization module is as shown in Fig. 2 including for strengthening fund end for authorization module behavior
The Command Line Parsing device of base control, with HTTP service function HTTP service layer, for the encryption solution of encrypted transmission and decryption
Close device, the logic core module for logic control and the Third-party payment driver for driving Third-party payment platform.
The configuration item of Command Line Parsing device includes：IP white lists, type of service, pay success notification URL, trade company's numbering, close
Key path etc..
Dongle can be responded by instruction request of making loans in Fig. 11 and 8 by aes algorithm and encrypted and decrypted.
Above-mentioned authorization module has three using golang language development reasons：First, cross-platform；Second, low internal memory is accounted for
With；Third, decompiling is difficult, it is to avoid rival's direct access.
Second optimal technical scheme
The present invention also provides a kind of authorization method of the limited discretion system based on Third-party payment, as shown in figure 1, including
Following step：
(1) capital's software is that service Saas platforms send instruction 1 of making loans to authorization module；
(2) authorization module sends fund end and confirms instruction 2 and click on 3 buttons of confirmation in the confirmation page；
(3) authorization module is calculated in the server of fund end and signs and obtain the key 4 that Third-party payment platform is issued；
(4) key is returned to 5 authorization modules by Third-party payment platform；
(5) authorization module sends instruction 6 of making loans after receiving key to Third-party payment platform；
(6) Third-party payment platform receives transmission and makes loans after instruction 6, is sent to authorization module and made loans completion notice 7；
(7) after authorization module receives completion notice of making loans, it is that service Saas platforms send completion of making loans to capital's software logical
Know 8.
In the step (1) and step (5), request of the authorization module to instruction of making loans carries out AES (superencipherments
Standard) encryption, directly block the instruction of making loans of hacker's simulation.
In the step (2), the confirmation page formed by the fund end domain name of fund end server is each to confirm
It is all that capital allows that pen is made loans and instructed；
In the step (3), fund end server is strengthened for authorization module by the Command Line Parsing device of authorization module
The base control of behavior.
Whole operation flow is as shown in Figure 1.Fund end server and Third-party payment sign payment contract, then obtain the
Tripartite pays the key and storage issued in oneself server.Capital take the consumer finance platform offer authorization module after directly
It is deployed on the server of oneself, and distributes domain name, gives webserver configuration URI paths.
Security is the core of authorization module.Authorization module has three important measures to ensure the safety of trading activity：
First, authorization module can carry out AES encryption to request, the instruction of making loans of hacker's simulation can be directly blocked；
Second, base control of the fund end for authorization module behavior can be strengthened by configuring；
Third, confirmed by the confirmation page (the fund end domain name of oneself) at fund end each pen make loans instruction all be money
What side allowed.
The characteristics of present invention is exactly using the side of making loans (capital) limited amount, a go is added using Third-party payment interface
The authorization module of language development solves the problems, such as to want trustship to solve originally.Fund and time can be greatly saved for platform.
This set program can also be extended self-defined authorization rule.Facilitate self-defined some safety regulations of capital.
The above, specific embodiment only of the invention, but protection scope of the present invention is not limited thereto, and it is any
Those familiar with the art the invention discloses technical scope in, change or replacement can be readily occurred in, should all contain
Cover within protection scope of the present invention.Therefore, protection scope of the present invention should be based on the protection scope of the described claims.
Claims (10)
1. a kind of limited discretion system based on Third-party payment, it is characterised in that the system includes：Transmission information successively
Consumer finance platform, fund end server and Third-party payment platform；Fund end server and Third-party payment platform label
Payment contract is ordered, the key that acquisition Third-party payment platform is issued simultaneously is stored in the authorization module of fund end server；Capital
Directly it is deployed on the consumer finance Platform Server of capital after the authorization module that the offer of consumer finance platform is provided, and distributes domain
Name, gives webserver configuration URI paths.
2. limited discretion system as claimed in claim 1, it is characterised in that the consumer finance platform is including capital's software
Service Saas platforms, capital's software is to service Saas platforms to be used for finger of being made loans to the transmission of fund end server authorization modules
Order, and receive the completion notice of making loans of fund end server authorization modules.
3. limited discretion system as claimed in claim 1, it is characterised in that fund end server includes authorization module；
The authorization module is respectively that service Saas platforms and Third-party payment platform enter line number with capital's software of consumer finance platform
According to interaction.
4. limited discretion system as claimed in claim 3, it is characterised in that the authorization module is used to receiving the consumer finance puts down
Capital's software of platform is to service the instruction of making loans that Saas platforms send, and for being service to capital's software of consumer finance platform
Saas platforms send completion notice of making loans.
5. limited discretion system as claimed in claim 4, it is characterised in that there is the authorization module capital to confirm and point
Hit the authority of confirmation；The authorization module is used to obtain the key of the disconnected A servers of fund, and receives the return of fund end server
Key notification.
6. limited discretion system as claimed in claim 5, it is characterised in that the authorization module is sent out to Third-party payment platform
The money that veers away is instructed, and receives the completion notice of making loans of Third-party payment platform transmission.
7. limited discretion system as claimed in claim 6, it is characterised in that the authorization module is included for strengthening fund end
For authorization module behavior base control Command Line Parsing device, with HTTP service function HTTP service layer, for encrypt pass
Defeated and decryption dongle, the logic core module for logic control and for driving Third-party payment platform the 3rd
Fang Zhifu drivers.
8. a kind of limited discretion method based on Third-party payment as any one of claim 1-7, it is characterised in that
Methods described comprises the steps：
(1) capital's software is that service Saas platforms send instruction of making loans to authorization module；
(2) authorization module sends fund end and confirms to instruct and click on ACK button in the confirmation page；
(3) authorization module is calculated in the server of fund end and signs and obtain the key that Third-party payment platform is issued；
(4) key is returned to authorization module by Third-party payment platform；
(5) authorization module sends instruction of making loans after receiving key to Third-party payment platform；
(6) Third-party payment platform receives transmission and makes loans after instruction, is sent to authorization module and made loans completion notice；
(7) it is that service Saas platforms send completion notice of making loans to capital's software after authorization module receives completion notice of making loans.
9. limited discretion method as claimed in claim 8, it is characterised in that described in the step (1) and step (5)
Request of the authorization module to instruction of making loans carries out AES (Advanced Encryption Standard) encryptions, directly blocks the instruction of making loans of hacker's simulation.
10. limited discretion method as claimed in claim 8, it is characterised in that in the step (2), taken by fund end
Be engaged in the confirmations page that is formed of fund end domain name of device confirms that the instruction of making loans of each pen is all capital's permission；
In the step (3), fund end server is strengthened for authorization module behavior by the Command Line Parsing device of authorization module
Base control.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710035030.XA CN106779724A (en) | 2017-01-18 | 2017-01-18 | A kind of limited discretion system and method based on Third-party payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710035030.XA CN106779724A (en) | 2017-01-18 | 2017-01-18 | A kind of limited discretion system and method based on Third-party payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106779724A true CN106779724A (en) | 2017-05-31 |
Family
ID=58946248
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710035030.XA Pending CN106779724A (en) | 2017-01-18 | 2017-01-18 | A kind of limited discretion system and method based on Third-party payment |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107071067A (en) * | 2017-06-13 | 2017-08-18 | 广发证券股份有限公司 | A kind of high-performance quotation access system and method based on Cgo |
| CN108446973A (en) * | 2018-02-28 | 2018-08-24 | 四川新网银行股份有限公司 | Credit solution on a kind of conventional banking facilities line based on finance opening platform |
| CN108550017A (en) * | 2018-03-12 | 2018-09-18 | 深圳市融讯科技有限公司 | Consumer finance core system based on SAAS platforms |
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| CN103544598A (en) * | 2013-09-30 | 2014-01-29 | 张家港市速达电子商务有限公司 | Financial transaction safety certification system |
| CN105373923A (en) * | 2015-11-13 | 2016-03-02 | 广东网金控股股份有限公司 | Unified payment method for investment and financing platform |
| CN106330888A (en) * | 2016-08-19 | 2017-01-11 | 中国银行股份有限公司 | Method and device for ensuring security of Internet online payment |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070125838A1 (en) * | 2005-12-06 | 2007-06-07 | Law Eric C W | Electronic wallet management |
| CN103544598A (en) * | 2013-09-30 | 2014-01-29 | 张家港市速达电子商务有限公司 | Financial transaction safety certification system |
| CN105373923A (en) * | 2015-11-13 | 2016-03-02 | 广东网金控股股份有限公司 | Unified payment method for investment and financing platform |
| CN106330888A (en) * | 2016-08-19 | 2017-01-11 | 中国银行股份有限公司 | Method and device for ensuring security of Internet online payment |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107071067A (en) * | 2017-06-13 | 2017-08-18 | 广发证券股份有限公司 | A kind of high-performance quotation access system and method based on Cgo |
| CN107071067B (en) * | 2017-06-13 | 2020-02-07 | 广发证券股份有限公司 | Cgo-based high-performance stock market access system and method |
| CN108446973A (en) * | 2018-02-28 | 2018-08-24 | 四川新网银行股份有限公司 | Credit solution on a kind of conventional banking facilities line based on finance opening platform |
| CN108550017A (en) * | 2018-03-12 | 2018-09-18 | 深圳市融讯科技有限公司 | Consumer finance core system based on SAAS platforms |
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Effective date of abandoning: 20210504 |