CN106855974A - A kind of method of mobile payment and device - Google Patents
A kind of method of mobile payment and device Download PDFInfo
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- CN106855974A CN106855974A CN201510903425.8A CN201510903425A CN106855974A CN 106855974 A CN106855974 A CN 106855974A CN 201510903425 A CN201510903425 A CN 201510903425A CN 106855974 A CN106855974 A CN 106855974A
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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
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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
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
Embodiments of the invention provide a kind of method of mobile payment, including：Conversion equipment receives the payment request that the first payment platform sends, described to pay the mark that request carries transaction code and first payment platform；After the conversion equipment determines that the transaction code is corresponding with the second payment platform, the conversion equipment determines routing iinformation according to the mark of second payment platform, changes described payment according to preset rules and asks to be the recognizable message format of second payment platform；The conversion equipment sends the payment request after the conversion to second payment platform according to the routing iinformation, payment request after the conversion carries the mark of the transaction code and first payment platform, the purpose that can be also paid when realizing in beneficiary from paying party using different payment platforms.
Description
Technical field
The present invention relates to the communications field, more particularly to a kind of method of mobile payment and device.
Background technology
The popularization of mobile device has driven the development of mobile Internet and Mobile business, mobile payment
In the visual field of people being appeared in as a kind of emerging means of payment.Existing main flow movement at present
Payment platform includes two kinds：Legacy card payment platform and Fei Ka payment platforms.Legacy card pays to be had
A set of ripe card card paying, the interactive interface of standard and good social credit system, protect
Hindered pay safety and efficiently.Rather than each independently sent out between the different payment platforms of card payment
Exhibition, intercommunication is unable between platform, cause use different payment platforms beneficiary and paying party without
Method completes to pay.
The content of the invention
Embodiments of the invention provide a kind of method of mobile payment and device, it is possible to achieve difference branch
The intercommunication between platform is paid, enables to use the beneficiary and paying party of different payment platforms to complete
Pay.
A kind of first aspect, there is provided method of mobile payment, including：Conversion equipment receives first
The payment request that payment platform sends, wherein, pay request carrying transaction code and first and pay flat
The mark of platform.After conversion equipment determines that transaction code is corresponding with the second payment platform, according to
The mark of two payment platforms determines routing iinformation, and it is second to change payment request according to preset rules
The recognizable message format of payment platform.Conversion equipment sends the branch after conversion according to routing iinformation
Request is paid to the second payment platform, wherein, the payment request after conversion carries transaction code and first
The mark of payment platform.
Determine routing iinformation by according to the mark of the second payment platform, and by the first payment platform
The payment request of transmission is converted to the recognizable message format of the second payment platform so that first
Paying platform can process the payment request that paying party is initiated by the second payment platform, realize
Beneficiary from paying party using different payment platforms when the purpose that can also be paid.
With reference to the implementation of first aspect, in first aspect in the first possible implementation,
When transaction code is generated by transaction code generating platform, conversion equipment determines that transaction code pays with second
Platform correspondence includes：Conversion equipment sends transaction code inquiry request to transaction code generating platform, its
In, the transaction code is carried in transaction code inquiry request.Conversion equipment receives transaction code generating platform
The response message of return, wherein, the mark of the second payment platform is carried in response message.
Because transaction code is generated by transaction code generating platform, therefore, when conversion equipment is to transaction code
When generating platform confirms whether the transaction code belongs to the second payment platform, the second payment can be avoided
The situation that platform is forged and paid using the transaction code forged occurs such that it is able to ensure branch
The security paid.
With reference to the implementation of first aspect, in second possible implementation of first aspect,
When transaction code is generated by conversion equipment, conversion equipment determines transaction code and the second payment platform pair
Should include：Conversion equipment determines that the transaction code of storage has the transaction code in recording, wherein, hand over
Easy corresponding relation of the code record comprising transaction code with its affiliated payment platform.
Conversion equipment can determine that transaction code whether there is by inquiring about transaction code record, can keep away
Exempt from the situation appearance that the second payment platform is forged and paid using the transaction code forged, so that
Ensure that the security of payment.
With reference to first aspect, first aspect the first to second possible implementation,
In the third mode in the cards, pay request and also carry payment or the second payment platform
Mark.
With reference to first aspect, first aspect the first to the third possible implementation,
In 4th kind of mode in the cards, payment after conversion request also carry payment or this
The mark of two payment platforms.
With reference to first aspect, first aspect the first to the 4th kind of possible implementation,
In 5th kind of mode in the cards, conversion equipment also receives the payment of the second payment platform return
Object information, wherein, the mark of the first payment platform is carried in payment result information.Conversion sets
It is standby that routing iinformation is determined according to the mark of the first payment platform, knot is paid according to preset rules conversion
Fruit information is the recognizable message format of the first payment platform, sends the payment result letter after conversion
Cease to the first payment platform.
Determine routing iinformation by according to the mark of the first payment platform, and by the second payment platform
The payment result information of return is converted to the recognizable message format of the first payment platform so that the
Payment result can be shown to beneficiary by one payment platform, improve Consumer's Experience.
A kind of second aspect, there is provided method of mobile payment, including：Transaction code generating platform connects
The transaction code inquiry request that conversion equipment sends is received, wherein carrying transaction code.Transaction generating platform
It is determined that there is the transaction code in the transaction code record of storage, wherein, transaction code record includes transaction
Code and the corresponding relation of its affiliated payment platform.Transaction code generating platform send response message to turn
Exchange device, wherein, the mark of the payment platform corresponding to the transaction code is carried in response message.
With reference to the implementation of second aspect, in second aspect in the first possible implementation,
Before the transaction code inquiry request that transaction code generating platform receiving transformation apparatus send, transaction code
Generating platform receives the transaction code request that payment platform sends, wherein, carried in transaction code request
The mark of the payment platform；Transaction code generating platform generates transaction code according to the mark of payment platform,
And store the transaction code；Send the transaction code and give the payment platform.
With reference to the implementation of second aspect, in second possible implementation of second aspect,
Before the transaction code inquiry request that the transaction code generating platform receiving transformation apparatus send, hand over
The transaction code request of easy code generating platform receiving transformation apparatus forwarding, wherein carrying payment platform
Mark；Transaction code generating platform generates transaction code according to the mark of payment platform, and stores the friendship
Easy code；The transaction code is sent to conversion equipment.
Transaction code generating platform generates transaction code according to the mark of payment platform, is set conversion is received
During the transaction code inquiry request that preparation is sent, can determine that the transaction code is according to transaction code record
It is not no belong to the payment platform, it is to avoid payment platform is forged and propped up using the transaction code forged
Situation about paying occurs such that it is able to the security guaranteed payment.
With reference to the first or second possible implementation of second aspect, may at the third
In the mode of realization, type of transaction is also carried in transaction code request, transaction code generating platform according to
The mark generation transaction code of type of transaction and payment platform.
With reference to second aspect the first to the third mode in the cards, in the 4th kind of possibility
In the mode of realization, transaction code generating platform also records the time for receiving transaction code request.
With reference to second aspect, second aspect the first to the 4th kind of possible implementation,
In 5th kind of mode in the cards, after response message is sent to conversion equipment, transaction code
Generating platform also receives the transaction code invalidation request of payment platform transmission, and the transaction code is set to
Failure.
With reference to second aspect, second aspect the first to the 4th kind of possible implementation,
In 6th kind of mode in the cards, after response message is sent to conversion equipment, transaction code
The transaction code invalidation request of generating platform also receiving transformation apparatus forwarding, mistake is set to by the transaction code
Effect.
The third aspect, there is provided a kind of conversion equipment, including processor, memory, communication connect
Mouth and bus, processor are connected with memory, communication interface by bus.Memory is used to deposit
Storage instruction, processor is used to perform the instruction, and under the control of a processor, communication interface is used for
Communicated with the first payment platform and the second payment platform.When the finger of computing device memory storage
When making so that the method described in computing device first aspect.
Fourth aspect, there is provided a kind of transaction code generating platform, including processor, memory,
Communication interface and bus, processor are connected with memory, communication interface by bus.Memory
For store instruction, processor is used to perform the instruction, and under the control of a processor, communication connects
Mouth with conversion equipment for communicating.When the instruction of computing device memory storage so that place
Reason device performs the method described in second aspect.
5th aspect, there is provided a kind of computer-readable recording medium, wherein it is executable to be stored with
Program code, the program code is used to realize the method described in first aspect.
6th aspect, there is provided a kind of computer-readable recording medium, wherein it is executable to be stored with
Program code, the program code is used to realize the method described in second aspect.
7th aspect, there is provided a kind of conversion equipment, comprising for performing the side in first aspect
The module of method.
Eighth aspect, there is provided a kind of transaction code generating platform, comprising for performing second aspect
In method module.
A kind of 9th aspect, there is provided method of mobile payment, including：Payment platform sends transaction
Code request, wherein carrying the mark of the payment platform；The payment platform receives transaction code and rings
Should, wherein carrying transaction code；The payment platform is that the transaction code generates the term of validity, association
The transaction code and user account；The payment platform is received and pays request, wherein carrying transaction
Code；The payment platform checking is described to pay the transaction code carried in request, including checking transaction
Whether before the deadline legitimacy, the transaction code of code；The transaction carried in the payment request
Code is by the way that after checking, the transaction code is set to failure by the payment platform.
With reference to the implementation of the 9th aspect, in the first possible implementation in terms of the 9th,
The payment platform also associates the interval of the transaction code and payment.
With reference to the first possible implementation of the 9th aspect, in second side in the cards
In formula, payment is also carried in the payment request, the payment platform also verifies the branch
Whether interior in the interval of the payment pay the amount of money.
Tenth aspect, there is provided a kind of payment platform, including processor, memory, communication connect
Mouth and bus, processor are connected with memory, communication interface by bus.Memory is used to deposit
Storage instruction, processor is used to perform the instruction, and under the control of a processor, communication interface is used for
Communicated with conversion equipment.When the instruction of computing device memory storage so that processor is held
Method described in the aspect of row the 9th.
Tenth on the one hand, there is provided a kind of computer-readable recording medium, wherein be stored with to hold
Capable program code, the program code is used to realize the method described in the 9th aspect.
12nd aspect, there is provided a kind of payment platform, comprising in the aspect of execution the 9th
The module of method.
The technical scheme for providing according to embodiments of the present invention, by the mark according to the second payment platform
Know and determine routing iinformation, and the payment request that the first payment platform is sent is converted to the second payment
The recognizable message format of platform so that the first payment platform can process paying party by second
The payment request that payment platform is initiated, realizes and uses different payments from paying party in beneficiary
The purpose that can be also paid during platform.Meanwhile, determine transaction by inquiring about transaction code record
Code whether there is, and the second payment platform can be avoided to forge and propped up using the transaction code forged
Situation about paying occurs such that it is able to the security guaranteed payment.
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
The accompanying drawing to be used needed for embodiment or description of the prior art will be briefly described, show and
Easy insight, drawings in the following description are only some embodiments of the present invention, for this area
For those of ordinary skill, on the premise of not paying creative work, can also be according to these
Accompanying drawing obtains other accompanying drawings.
Fig. 1 is the schematic diagram of the network architecture 100 of embodiment of the present invention application；
Fig. 2 is the hardware architecture diagram according to the computer equipment 200 of one embodiment of the invention；
Fig. 3 is the exemplary flow chart according to the method for mobile payment 300 of one embodiment of the invention；
Fig. 4 is the exemplary signaling diagram according to the method for mobile payment 400 of one embodiment of the invention；
Fig. 5 is the structural representation according to the conversion equipment 500 of one embodiment of the invention；
Fig. 6 is the structural representation according to the transaction code generating platform 600 of one embodiment of the invention.
Specific embodiment
In below describing, in order to illustrate rather than in order to limit, it is proposed that such as particular system knot
The detail of structure, interface, technology etc, the present invention is understood so as to thorough.However, ability
The technical staff in domain is it should be clear that can also in the other embodiments without these details
Realize the present invention.In other situations, omit to well-known device, circuit and method
Detailed description, in order to avoid unnecessary details hinders description of the invention.
Fig. 1 is the schematic diagram of the network architecture 100 of embodiment of the present invention application.Wherein paying party
Equipment 101 can be mobile terminal, can be specifically mobile phone, PDA, method, apparatus of collecting money
104 can be POS (point of sales terminal), mobile terminal, and first pays flat
Platform 102 can be server, and the second payment platform 105 can be server, conversion equipment
106 can be HUB, and conversion equipment 106 can realize message conversion and message route.Transaction
Code generating platform 103 can be disposed independently, be now server, it is also possible to conversion equipment
106 conjunctions set, and can also be closed with the second payment platform 105 and set.
Beneficiary uses the first payment platform 102, paying party to use the second payment platform 105.
The application for corresponding to the second payment platform 105 can be installed by payment method, apparatus 101
Mode enables that paying party is paid by the second payment platform 105.Can be by receiving
The mode that the application corresponding to the first payment platform 102 is installed on money method, apparatus 104 causes gathering
Side can be paid by the first payment platform 102.
When paying party is paid by method, apparatus 101 of paying the bill, payment method, apparatus 101 are by the
Two payment platforms 105 apply for transaction code to transaction code generating platform 103, and transaction code is used afterwards
Paid to gathering method, apparatus 104.Gathering method, apparatus 104 gather the transaction code, to first
Payment platform 102 initiates to pay request.First payment platform 102 is initiated to conversion equipment 106
Request is paid, conversion equipment 106 inquires about the transaction code to transaction code generating platform 103, true
After the fixed transaction code belongs to the second payment platform 105, request will be paid be converted to the second payment and put down
The message format that platform 102 is capable of identify that, is sent to the second payment platform 105.Second pays flat
Platform 105 completes to pay after checking transaction code and payment.
Fig. 2 is the hardware architecture diagram according to the computer equipment 200 of one embodiment of the invention.
As shown in Fig. 2 computer equipment 200 includes that processor 202, memory 204, communication connect
Mouth 206 and bus 208.Wherein, processor 202, memory 204 and communication interface 206
Communication connection between being realized by bus 208.
Processor 202 can using general central processing unit (Central Processing Unit,
CPU), microprocessor, application specific integrated circuit (Application Specific Integrated
Circuit, ASIC), or one or more integrated circuits, for performing relative program, with
Realize the technical scheme that the embodiment of the present invention is provided.
Memory 204 can be read-only storage (Read Only Memory, ROM),
Static storage device, dynamic memory or random access memory (Random Access
Memory, RAM).Memory 204 can be with storage program area 2041 and other application journey
Sequence 2042.Technical scheme provided in an embodiment of the present invention is being realized by software or firmware
When, the program code for realizing technical scheme provided in an embodiment of the present invention is stored in memory
In 204, and performed by processor 202.
Communication interface 206 is realized using the R-T unit of the such as but not limited to class of transceiver one
Communication between other equipment or communication network.
Bus 208 may include a path, in all parts (such as processor 202, memory
204th, communication interface 206) between transmit information.
When computer equipment 200 is conversion equipment, processor 202 is used to perform reception first
The payment request that payment platform sends, the request carrying transaction code and described first that pays pays
The mark of platform；After it is determined that the transaction code is corresponding with the second payment platform, according to described
The mark of the second payment platform determines routing iinformation, is asked according to described payment of preset rules conversion
For the message format that second payment platform can recognize that；According to the routing iinformation sends
Second payment platform is arrived in payment request after conversion, and the payment request after the conversion is carried
The mark of the transaction code and first payment platform.
When computer equipment 200 is transaction code generating platform, processor 202 connects for execution
The transaction code inquiry request that conversion equipment sends is received, wherein carrying transaction code；It is determined that the friendship of storage
There is the transaction code in easy code record, the transaction code record includes transaction code and branch belonging to it
Pay the corresponding relation of platform；Response message is sent to the conversion equipment, in the response message
Carry the mark of the payment platform corresponding to the transaction code.
Fig. 3 is the exemplary flow chart according to the method for mobile payment of one embodiment of the invention.
During implementing, method of mobile payment 300 can be by the He of conversion equipment 106 in Fig. 1
Transaction code generating platform 103 is performed.
S302, conversion equipment receives the payment request that the first payment platform sends, and the payment please
Seek the mark for carrying transaction code and first payment platform.
Optionally, the mark that request also carries payment or the second payment platform is paid.
S304, the conversion equipment sends transaction code inquiry request to transaction code generating platform, institute
State and carry the transaction code in transaction code inquiry request.
S304, transaction code generating platform receives the transaction code inquiry request that the conversion equipment sends,
Wherein carry the transaction code.
Specifically, the transaction code is generated by transaction code generating platform, the storage of transaction code generating platform
Transaction code is recorded, wherein the corresponding relation comprising transaction code Yu its affiliated payment platform.Transaction code
The transaction code record of generating platform inquiry storage, determines whether there is the transaction code.
Optionally, before transaction code inquiry request is received, transaction code generating platform receives branch
The transaction code request of the mark for carrying the payment platform that platform sends is paid, it is flat according to the payment
The mark generation transaction code of platform, and the transaction code of generation is stored, the transaction code is sent to the branch
Pay platform.Specifically, in the present embodiment, transaction code generating platform is looked into receiving transaction code
Before asking request, the transaction code request that the second payment platform sends is received, wherein carrying second
The mark of platform is paid, the mark generation transaction code according to the second payment platform is stored and sends this
Transaction code gives the second payment platform.
Optionally, before the transaction code inquiry request that receiving transformation apparatus send, transaction code life
Into the transaction code request of platform receiving transformation apparatus forwarding, payment platform is carried in transaction code request
Mark；Transaction code generating platform generates transaction code according to the mark of the payment platform, and stores
The transaction code；Send the transaction code and give the conversion equipment.Specifically, in the present embodiment, the
Two payment platforms send transaction code and ask to conversion equipment, wherein carrying the mark of the second payment platform
Know, transaction code request is transmitted to transaction code generating platform by conversion equipment, transaction code generation is flat
Platform generates transaction code according to the mark of the second payment platform, stores and send the transaction code to conversion
The transaction code is transmitted to the second payment platform by equipment, conversion equipment.
Optionally, type of transaction is also carried in the transaction code request, the transaction code generation is flat
Platform generates the transaction code according to the mark of type of transaction and payment platform.Wherein, type of transaction
Including withdrawal, payment etc..Specifically, in the present embodiment, being handed over when being carried in transaction code request
During easy type, transaction code generating platform is generated according to the mark of type of transaction and the second payment platform
Transaction code.
Optionally, transaction code generating platform also records the time for receiving transaction code request, so,
Can be to the transaction code of generation according to time-sequencing, to be managed to transaction code.
S306, transaction code generating platform sends response message to the conversion equipment, the response
The mark of the payment platform corresponding to the transaction code is carried in message.
In the present embodiment, the mark of the second payment platform is carried in response message.
Optionally, after response message is sent to conversion equipment, transaction code generating platform also connects
The transaction code invalidation request that payment platform sends is received, the transaction code is set to failure.This can be with
Prevent transaction code to be reused, improve the security of transaction.
Optionally, after response message is sent to conversion equipment, transaction code generating platform also connects
The transaction code invalidation request of conversion equipment forwarding is received, the transaction code is set to failure.Specifically,
Transaction code invalidation request is sent to conversion equipment by the second payment platform, and conversion equipment again hands over this
Easy code invalidation request is transmitted to transaction code generating platform.
S306, conversion equipment receives the response message that the transaction code generating platform is returned, described
The mark of second payment platform is carried in response message.
S308, conversion equipment determines routing iinformation, root according to the mark of second payment platform
Described payment is changed according to preset rules to ask to be the recognizable message lattice of second payment platform
Formula.
Optionally, conversion equipment is stored with routing table.
Specifically, mark and the mark of second payment platform of the conversion equipment according to the first payment platform
Know, will pay request by preset rules is converted to the recognizable message format of the second payment platform.
Because the message format of the first payment platform and the second payment platform is different, therefore, by first
The payment request for paying platform transmission is changed with so that the second payment platform is capable of identify that.
For example, the payment request that the first payment platform is sent to conversion equipment is
Conversion equipment conversion after be sent to the second payment platform payment request be
S310, conversion equipment sends the payment request after the conversion according to the routing iinformation and arrives
Second payment platform, the payment request after the conversion carries the transaction code and described the
The mark of one payment platform.
Optionally, the payment request after conversion also carries payment or second payment platform
Mark.
Optionally, conversion equipment also receives the payment result information that second payment platform is returned,
The mark of first payment platform is carried in the payment result information；According to described first
The mark for paying platform determines routing iinformation, and the mark and second according to the first payment platform pay flat
The mark of platform, changes the payment result information and is paid into described first by the preset rules
The recognizable message format of platform, sends the payment result information after the conversion to described first
Payment platform.
In another implementation of the embodiment of the present invention, transaction code generating platform sets with conversion
Standby conjunction is set, and transaction code is generated by conversion equipment, then S304-S308 is replaced with：
Conversion equipment determines that the transaction code of storage has the transaction code, the transaction code in recording
Corresponding relation of the record comprising transaction code with its affiliated payment platform.
In another implementation of the embodiment of the present invention, transaction code generating platform and second
Pay platform conjunction to set, transaction code is generated by the second payment platform, and S302-S306 is replaced with：
Conversion equipment receives the payment request that the first payment platform sends, and described payment asks to carry
The mark of transaction code, the mark of the first payment platform and the second payment platform.
The technical scheme for providing according to embodiments of the present invention, by the mark according to the second payment platform
Know and determine routing iinformation, and the payment request that the first payment platform is sent is converted to the second payment
The recognizable message format of platform so that the first payment platform can process paying party by second
The payment request that payment platform is initiated, realizes and uses different payments from paying party in beneficiary
The purpose that can be also paid during platform.Meanwhile, determine transaction by inquiring about transaction code record
Code whether there is, and the second payment platform can be avoided to forge and propped up using the transaction code forged
Situation about paying occurs such that it is able to the security guaranteed payment.
Fig. 4 is the exemplary signaling diagram according to the method for mobile payment of one embodiment of the invention.
In the present embodiment, independently dispose to illustrate with transaction code generating platform.Implementing
Cheng Zhong, method of mobile payment 400 can be paid by the payment method, apparatus 101, first in Fig. 1
Platform 102, transaction code generating platform 103, gathering method, apparatus 104, the second payment platform 105
Performed with conversion equipment 106.Carried out for HUB with conversion equipment 106 in the present embodiment
Explanation.
S401, payment method, apparatus send the request of application transaction code to the second payment platform, wherein
Paying party accounts information and type of transaction are carried, optionally, the interval of payment is also carried,
For example, 100 yuan to 200 yuan.Wherein, paying party account is paying party in the second payment platform
On account.
S402, the second payment platform sends the request of application transaction code to transaction code generating platform,
Wherein carry type of transaction, the mark of the second payment platform.
S403, transaction code generating platform is generated according to the mark of type of transaction and the second payment platform
One transaction code for being used for single payment.
S404, transaction code generating platform returns to the transaction code to the second payment platform.
S405, the second payment platform is that the transaction code generates the term of validity, by the transaction code and payment
Square account association, to carry out payment verification.Optionally, the second payment platform is also by the transaction code
Associated with the interval of payment.
S406, the second payment platform sends the transaction code and gives payment method, apparatus.
S407, payment method, apparatus provide the transaction code and are paid to gathering method, apparatus.Optionally,
The mark that payment method, apparatus also provide the second payment platform gives gathering method, apparatus.
S408, the transaction code that gathering method, apparatus collection payment method, apparatus are provided, pays flat to first
Platform sends and pays request, wherein carry the transaction code and payment, optionally, also carries the
The mark of two payment platforms.Gathering method, apparatus can be by application, the user's identification application of installation
Development tools (SIM Tool Kit, STK), SMS (Short Message Service) (Short Message Service,
) etc. SMS the transaction code that channel collection payment method, apparatus are provided.
S409, the first payment platform creates pay invoice, for the account from the second payment platform
Transfer designated amounts are to beneficiary account, wherein the account of the second payment platform is that the second payment is flat
Account of the platform on the first payment platform, beneficiary account is beneficiary on the first payment platform
Account.Second is carried in the payment that gathering method, apparatus are sent to the first payment platform is asked
During the mark of payment platform, the first payment platform can create the pay invoice；Asked when paying
In when not carrying the mark of the second payment platform, wait HUB to return to the information.
S410, the first payment platform to HUB initiate pay request, wherein carry the transaction code,
The mark of payment, the first payment platform, optionally, also carries the mark of the second payment platform
Know.
S411, HUB initiate transaction code inquiry request to transaction code generating platform.
S412, transaction code generating platform inquiry transaction code record, determines that the transaction code belongs to second
Payment platform.
S413, transaction code generating platform returns to Query Result, wherein carrying the second payment platform
Mark, optionally, also carries type of transaction.In S409, the is not carried in request is paid
During the mark of two payment platforms, the mark of the second payment platform that can be now returned by HUB
Complete the establishment of pay invoice.
S414, HUB according to the mark table of query and routing of the second payment platform, it is determined that will should prop up
Pay request and be sent to the second payment platform.Mark and second according to the first payment platform pay flat
The mark of platform, is converted to what the second payment platform was capable of identify that by preset rules by request is paid
Message format.
Payment request after conversion is sent to the second payment platform by S415, HUB, wherein taking
Mark with transaction code, payment and the first payment platform, optionally, also carries second
Pay the mark of platform.
S416, the second payment platform verifies the transaction code, including：The legitimacy of checking transaction code,
Whether before the deadline transaction code.Wherein, the legitimacy of checking transaction code includes checking transaction code
Whether bind effective paying party account or whether type of transaction is consistent.Optionally, also checking
Pay the payment carried in the application transaction code the request whether amount of money sends with payment method, apparatus
Interval it is consistent.
S417, after being verified, it is invalid that be set to for transaction code by the second payment platform, to transaction
Code generating platform sends transaction code invalidation request.
The transaction code is set to failure by S418, transaction code generating platform.
S419, the second payment platform is created and completes pay invoice, is referred to from the transfer of paying party account
Account of the deposit volume to the first payment platform.Wherein, the account of the first payment platform is first
Pay account of the platform on the second payment platform.Second payment platform also generates the second statement.
S420, the second payment platform returns to payment result information to HUB, wherein carrying first
The mark and the mark of the second payment platform of payment platform.
S421, HUB according to the mark table of query and routing of the first payment platform, it is determined that will should prop up
Pay object information and be sent to the first payment platform.Mark according to the first payment platform and second
The mark of platform is paid, payment result information is converted into the first payment platform energy by preset rules
The message format of enough identification.
S422, HUB send the payment result information after conversion to the first payment platform, optional
, wherein carrying the mark of the second payment platform.
S423, after the first payment platform receives payment result information, it may be determined that second pays flat
Platform has completed to shift designated amounts to the account of the first payment platform from paying party account.First
Payment platform continues executing with the pay invoice created in S409, from the account of the second payment platform
Transfer designated amounts generate the first statement to beneficiary account.
S424, the first payment platform notifies that beneficiary pays successfully, and the second payment platform notifies to pay
Money side pays successfully, optionally, can be notified by way of sending short message.
S425, the first payment platform and the second payment platform are by exchanging generate in S423 the
Second statement generated in one statement and S419 is cleared.Actual fund transfer
Realization is interacted with the docking of bank by the first payment platform, the second payment platform：Second pays
Platform is transferred accounts to the second payment platform on the first payment platform in the Bank Account Number of secondary bank
Account；Account transfer of first payment platform on the second payment platform is to the first payment platform
In the Bank Account Number of Bank One Corp..
In another implementation of the embodiment of the present invention, transaction code generating platform sets with conversion
Standby conjunction is set, and above-mentioned S402-S404 is replaced with：
S402A, the second payment platform sends the request of application transaction code to HUB, wherein taking
Mark with type of transaction, the second payment platform.
S403A, HUB generate one according to the mark of type of transaction and the second payment platform to be used for
The transaction code of single payment.
S404A, HUB return to the transaction code to the second payment platform.
S411-S413 is replaced with：
S411A, HUB inquiry transaction code record, determine that the transaction code belongs to the second payment platform.
Other steps are identical with Fig. 4 embodiments, and here is omitted.
In another implementation of the embodiment of the present invention, transaction code generating platform and second
Pay platform conjunction to set, S402-S404 is replaced with：
Second payment platform generates a use according to the mark of type of transaction and the second payment platform
In the transaction code of single payment.
S410-S413 is replaced with：
First payment platform initiates to pay request to HUB, wherein carrying the transaction code, paying
The mark of the amount of money, the first payment platform, the mark of the second payment platform.
Other steps are identical with Fig. 4 embodiments, and here is omitted.
In another implementation of the embodiment of the present invention, S402, S404, S417 are replaced
For：
S402, the second payment platform sends the request of application transaction code to HUB, wherein carrying
The mark of type of transaction, the second payment platform, HUB forwards the request flat to transaction code generation
Platform.
S404, transaction code generating platform returns to the transaction code to HUB, and HUB is by the transaction code
Return to the second payment platform.
S417, after being verified, it is invalid that be set to for transaction code by the second payment platform, to HUB
Transaction code invalidation request is sent, HUB forwards the request to transaction code generating platform.
Other steps are identical with Fig. 4 embodiments, and here is omitted.
Fig. 5 is the structural representation according to the conversion equipment 500 of one embodiment of the invention.Conversion
Equipment 500 includes receiver module 502, processing module 504 and sending module 506.Conversion sets
Standby 500 is the conversion equipment 106 or Fig. 2 Computers equipment 200 shown in Fig. 1.
Receiver module 502, for receiving the payment request that the first payment platform sends, the branch
Pay the mark that request carries transaction code and first payment platform；
Processing module 504, for after it is determined that the transaction code is corresponding with the second payment platform,
Mark according to second payment platform determines routing iinformation, according to preset rules conversion
Pay the message format that request can recognize that for second payment platform；
Sending module 506, please for sending the payment after the conversion according to the routing iinformation
Second payment platform is sought, the payment request after the conversion carries the transaction code and institute
State the mark of the first payment platform.
Optionally, when the transaction code is generated by transaction code generating platform, the processing module
504 determine the transaction codes it is corresponding with second payment platform including：
The sending module 506 sends transaction code inquiry request to the transaction code generating platform,
The transaction code is carried in the transaction code inquiry request；
The receiver module 502 receives the response message that the transaction code generating platform is returned, institute
State the mark that second payment platform is carried in response message.
Optionally, when the transaction code is generated by the conversion equipment, the processing module
504 determine the transaction codes it is corresponding with second payment platform including：
The processing module 504 determines that the transaction code of storage has the transaction code, institute in recording
State transaction code corresponding relation of the record comprising transaction code Yu its affiliated payment platform.
Optionally, it is described to pay the mark that request also carries payment or second payment platform
Know.
Optionally, the payment request after the conversion also carries payment or second payment
The mark of platform.
Optionally, the receiver module 502 is additionally operable to receive what second payment platform was returned
Payment result information, carries the mark of first payment platform in the payment result information；
The processing module 504 is additionally operable to determine route letter according to the mark of first payment platform
Breath, changing the payment result information according to the preset rules can into first payment platform
The message format of identification；The sending module 506 is additionally operable to send the payment knot after the conversion
Fruit information gives first payment platform.
Wherein, described " module " can be application specific integrated circuit (Application Specific
Integrated Circuit, ASIC), electronic circuit, perform one or more softwares or firmware
The component of the processor and memory, combinational logic circuit and other offer above-mentioned functions of program.
Optionally, conversion equipment 500 realized by the form of computer equipment, receiver module 502
Can be realized by the processor of computer equipment, memory and communication interface, processing module
504 can realize that sending module 506 can by the processor of computer equipment and memory
To be realized by the processor of computer equipment, memory and communication interface.
Fig. 6 is the structural representation according to the transaction code generating platform 600 of one embodiment of the invention.
Transaction code generating platform 600 includes receiver module 602, processing module 604 and sending module 606.
Transaction code generating platform 600 is in the transaction code generating platform 103 or Fig. 2 shown in Fig. 1
Computer equipment 200.
Receiver module 602, for the transaction code inquiry request that receiving transformation apparatus send, wherein
Carry transaction code；
Processing module 604, for there is the transaction code in the transaction code record for determining storage,
The corresponding relation of the transaction code record comprising transaction code with its affiliated payment platform；
Sending module 606, for sending response message to the conversion equipment, the response disappears
The mark of the payment platform corresponding to the transaction code is carried in breath.
Optionally, the transaction code inquiry for being sent in the receiving transformation apparatus of the receiver module 602 please
Before asking, the transaction code that the receiver module 602 is additionally operable to receive the payment platform transmission please
Ask, the mark of the payment platform is carried in the transaction code request；
The processing module 604 is additionally operable to generate the friendship according to the mark of the payment platform
Easy code, and store the transaction code；
The sending module 606 is additionally operable to send the transaction code to the payment platform.
Optionally, type of transaction, the processing module 604 are also carried in the transaction code request
For generating the transaction code according to the mark of the type of transaction and the payment platform.
Optionally, the receiver module 602 is additionally operable to record and receives the transaction code request
Time.
Optionally, after the sending module 606 sends response message to the conversion equipment,
The receiver module 602 also receives the transaction code invalidation request that the payment platform sends, described
Processing module 604 is additionally operable to for the transaction code to be set to failure.
Wherein, described " module " can be application specific integrated circuit (Application Specific
Integrated Circuit, ASIC), electronic circuit, perform one or more softwares or firmware
The component of the processor and memory, combinational logic circuit and other offer above-mentioned functions of program.
Optionally, transaction code generating platform 600 realized by the form of computer equipment, receives mould
Block 602 can be realized by the processor of computer equipment, memory and communication interface, located
Managing module 604 can be realized by the processor of computer equipment and memory, sending module
606 can be realized by the processor of computer equipment, memory and communication interface.
Although it should be noted that the universal computer architecture 200 shown in Fig. 2 illustrate only processor
202nd, memory 204, communication interface 206 and bus 208, but during implementing,
It should be apparent to a person skilled in the art that above-mentioned conversion equipment and transaction code generating platform are also included
Realize other devices necessary to normal operation.Meanwhile, according to specific needs, the skill of this area
Art personnel should be understood that above-mentioned conversion equipment and transaction code generating platform can also be included and realize other
The hardware device of additional function.Additionally, it should be apparent to a person skilled in the art that above-mentioned conversion
Equipment and transaction code generating platform also can only be included and realize device necessary to the embodiment of the present invention
Part, without comprising the whole devices shown in Fig. 2.
In addition, each functional unit in each embodiment of the invention can be integrated in a treatment
In unit, or unit is individually physically present, it is also possible to two or more lists
Unit is integrated in a unit.Above-mentioned integrated unit can both be realized in the form of hardware,
Can also be realized in the form of SFU software functional unit.
If the integrated unit is to realize in the form of SFU software functional unit and as independent
Production marketing or when using, can store in a computer read/write memory medium.It is based on
Such understanding, what technical scheme substantially contributed to prior art in other words
The all or part of part or the technical scheme can be embodied in the form of software product,
The computer software product is stored in a storage medium, including some instructions are used to so that one
Platform computer equipment (can be personal computer, server, or network equipment etc.) or place
Reason device (processor) performs all or part of step of each embodiment methods described of the invention.
And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM,
Read-Only Memory), random access memory (RAM, Random Access
Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.
The above, specific embodiment only of the invention, but protection scope of the present invention is simultaneously
Be not limited to this, any one skilled in the art the invention discloses technology model
In enclosing, change or replacement can be readily occurred in, should be all included within the scope of the present invention.
Therefore, protection scope of the present invention should be based on the protection scope of the described claims.
Claims (35)
1. a kind of method of mobile payment, it is characterised in that comprise the following steps：
Conversion equipment receives the payment request that the first payment platform sends, and described payment asks to carry
The mark of transaction code and first payment platform；
It is described after the conversion equipment determines that the transaction code is corresponding with the second payment platform
Conversion equipment determines routing iinformation according to the mark of second payment platform, according to preset rules
Described payment is changed to ask to be the recognizable message format of second payment platform；
The conversion equipment sends the payment request after the conversion to institute according to the routing iinformation
The second payment platform is stated, the payment request after the conversion carries the transaction code and described first
The mark of payment platform.
2. the method for claim 1, it is characterised in that when the transaction code is by concluding the business
When code generating platform is generated, the conversion equipment determines that the transaction code pays flat with described second
Platform correspondence includes：
The conversion equipment sends transaction code inquiry request to the transaction code generating platform, described
The transaction code is carried in transaction code inquiry request；
The response message that the transaction code generating platform is returned is received, is carried in the response message
The mark of second payment platform.
3. the method for claim 1, it is characterised in that when the transaction code is by described
When conversion equipment is generated, the conversion equipment determines the transaction code with second payment platform
Correspondence includes：
The conversion equipment determines that the transaction code of storage has the transaction code, the friendship in recording
Easy corresponding relation of the code record comprising transaction code with its affiliated payment platform.
4. the method as described in claims 1 to 3 any one, it is characterised in that the branch
Pay the mark that request also carries payment or second payment platform.
5. the method as described in Claims 1-4 any one, it is characterised in that described turn
Payment request after changing also carries the mark of payment or second payment platform.
6. the method as described in claim 1 to 5 any one, it is characterised in that described turn
Exchange device also receives the payment result information that second payment platform is returned, the payment result
The mark of first payment platform is carried in information；According to the mark of first payment platform
Determine routing iinformation, it is described first to change the payment result information according to the preset rules
The recognizable message format of payment platform, sends the payment result information after the conversion to described
First payment platform.
7. a kind of method of mobile payment, it is characterised in that comprise the following steps：
The transaction code inquiry request that transaction code generating platform receiving transformation apparatus send, wherein carrying
Transaction code；
It is determined that there is the transaction code in the transaction code record of storage, the transaction code record is included
The corresponding relation of transaction code and its affiliated payment platform；
Response message is sent to the conversion equipment, the transaction code is carried in the response message
The mark of corresponding payment platform.
8. method as claimed in claim 7, it is characterised in that flat in transaction code generation
Before the transaction code inquiry request that platform receiving transformation apparatus send, the transaction code generating platform connects
The transaction code request that the payment platform sends is received, the payment is carried in the transaction code request
The mark of platform；
The transaction code generating platform generates the transaction code according to the mark of the payment platform,
And store the transaction code；
The transaction code is sent to the payment platform.
9. method as claimed in claim 7, it is characterised in that flat in transaction code generation
Before the transaction code inquiry request that platform receiving transformation apparatus send, the transaction code generating platform connects
The transaction code request of the conversion equipment forwarding is received, the payment is carried in the transaction code request
The mark of platform；
The transaction code generating platform generates the transaction code according to the mark of the payment platform,
And store the transaction code；
The transaction code is sent to the conversion equipment.
10. method as claimed in claim 8 or 9, it is characterised in that the transaction code please
Also carry type of transaction in asking, the transaction code generating platform is according to the type of transaction and described
The mark of payment platform generates the transaction code.
11. method as described in claim 8-10 any one, it is characterised in that the friendship
Easy code generating platform also records the time for receiving the transaction code request.
12. method as described in claim 7 to 11 any one, it is characterised in that in institute
After transmission response message is stated to the conversion equipment, the transaction code generating platform also receives institute
The transaction code invalidation request of payment platform transmission is stated, the transaction code is set to failure.
13. method as described in claim 7 to 11 any one, it is characterised in that in institute
After transmission response message is stated to the conversion equipment, the transaction code generating platform also receives institute
The transaction code invalidation request of conversion equipment forwarding is stated, the transaction code is set to failure.
14. a kind of method of mobile payment, it is characterised in that comprise the following steps：
Payment platform sends transaction code request, wherein carrying the mark of the payment platform；
The payment platform receives transaction code response, wherein carrying transaction code；
The payment platform is that the transaction code generates the term of validity, associates the transaction code and user
Account；
The payment platform is received and pays request, wherein carrying transaction code；
The payment platform checking is described to pay the transaction code carried in request, including checking transaction
Whether before the deadline legitimacy, the transaction code of code；
It is described pay request in the transaction code that carries by verifying after, the payment platform is by institute
State transaction code and be set to failure.
15. methods as claimed in claim 14, it is characterised in that the payment platform is also closed
Join the interval of the transaction code and payment.
16. methods as claimed in claim 15, it is characterised in that in the payment request also
Payment is carried, the payment platform also verifies whether the payment pays gold described
In the interval of volume.
17. a kind of conversion equipments, it is characterised in that including receiver module, processing module and hair
Send module：
The receiver module, for receiving the payment request that the first payment platform sends, the branch
Pay the mark that request carries transaction code and first payment platform；
The processing module, for after it is determined that the transaction code is corresponding with the second payment platform,
Mark according to second payment platform determines routing iinformation, according to preset rules conversion
Pay the message format that request can recognize that for second payment platform；
The sending module, please for sending the payment after the conversion according to the routing iinformation
Second payment platform is sought, the payment request after the conversion carries the transaction code and institute
State the mark of the first payment platform.
18. conversion equipments as claimed in claim 17, it is characterised in that when the transaction code
When being generated by transaction code generating platform, the processing module determines the transaction code with described second
Payment platform correspondence includes：
The sending module sends transaction code inquiry request to the transaction code generating platform, described
The transaction code is carried in transaction code inquiry request；
The receiver module receives the response message that the transaction code generating platform is returned, the sound
Answer the mark that second payment platform is carried in message.
19. conversion equipments as claimed in claim 17, it is characterised in that when the transaction code
When being generated by the conversion equipment, the processing module determines the transaction code with described second
Paying platform correspondence includes：
The processing module determines that the transaction code of storage has the transaction code, the friendship in recording
Easy corresponding relation of the code record comprising transaction code with its affiliated payment platform.
20. conversion equipment as described in claim 17 to 19 any one, it is characterised in that
It is described to pay the mark that request also carries payment or second payment platform.
21. conversion equipment as described in claim 17 to 20 any one, it is characterised in that
Payment request after the conversion also carries the mark of payment or second payment platform.
22. conversion equipment as described in claim 17 to 21 any one, it is characterised in that
The receiver module is additionally operable to receive the payment result information that second payment platform is returned, institute
State the mark that first payment platform is carried in payment result information；The processing module is also used
In routing iinformation is determined according to the mark of first payment platform, turned according to the preset rules
It is the recognizable message format of first payment platform to change the payment result information；The hair
Module is sent to be additionally operable to send payment result information after the conversion to first payment platform.
23. a kind of transaction code generating platforms, it is characterised in that including receiver module, process mould
Block and sending module：
The receiver module, for the transaction code inquiry request that receiving transformation apparatus send, wherein
Carry transaction code；
The processing module, for there is the transaction code in the transaction code record for determining storage,
The corresponding relation of the transaction code record comprising transaction code with its affiliated payment platform；
The sending module, for sending response message to the conversion equipment, the response disappears
The mark of the payment platform corresponding to the transaction code is carried in breath.
24. transaction code generating platforms as claimed in claim 23, it is characterised in that described
Before the transaction code inquiry request that receiver module receiving transformation apparatus send, the receiver module is also
For receiving the transaction code request that the payment platform sends, institute is carried in the transaction code request
State the mark of payment platform；
The processing module is additionally operable to generate the transaction code according to the mark of the payment platform,
And store the transaction code；
The sending module is additionally operable to send the transaction code to the payment platform.
25. transaction code generating platforms as claimed in claim 23, it is characterised in that described
Before the transaction code inquiry request that receiver module receiving transformation apparatus send, the receiver module is also
Transaction code request for receiving the conversion equipment forwarding, institute is carried in the transaction code request
State the mark of payment platform；
The processing module is additionally operable to generate the transaction code according to the mark of the payment platform,
And store the transaction code；
The sending module is additionally operable to send the transaction code to the conversion equipment.
26. transaction code generating platforms as claimed in claim 24, it is characterised in that the friendship
Also carry type of transaction in easy code request, the processing module be used for according to the type of transaction and
The mark of the payment platform generates the transaction code.
The 27. transaction code generating platform as described in claims or 24, it is characterised in that institute
Receiver module is stated to be additionally operable to record the time for receiving the transaction code request.
The 28. transaction code generating platform as described in claim 23 to 27 any one, it is special
Levy and be, it is described to connect after the sending module sends response message to the conversion equipment
Receive module and also receive the transaction code invalidation request that the payment platform sends, the processing module is also
For the transaction code to be set into failure.
The 29. transaction code generating platform as described in claim 23 to 27 any one, it is special
Levy and be, it is described to connect after the sending module sends response message to the conversion equipment
The transaction code invalidation request that module also receives the conversion equipment forwarding is received, the processing module is also
For the transaction code to be set into failure.
30. a kind of payment platforms, it is characterised in that including sending module, receiver module and place
Reason module：
The sending module, for sending transaction code request, wherein carrying the payment platform
Mark；
The receiver module, for receiving transaction code response, wherein carrying transaction code；
The processing module, for generating the term of validity for the transaction code, associates the transaction code
With user account；
The receiver module, is additionally operable to receive pay and asks, wherein carrying transaction code；
The processing module, is additionally operable to verify the transaction code for paying and being carried in request, including
Whether before the deadline to verify legitimacy, the transaction code of transaction code；And
The transaction code carried in the payment request is by after checking, the transaction code being set to
Failure.
31. payment platforms as claimed in claim 30, it is characterised in that the processing module
It is additionally operable to also associate the interval of the transaction code and payment.
32. payment platforms as claimed in claim 31, it is characterised in that the payment request
In also carry payment, whether the processing module is additionally operable to verify the payment in institute
State in the interval of payment.
A kind of 33. computing devices, including：Processor, memory, bus and communication interface；
The memory is used to store computing device instruction, and the processor is logical with the memory
The bus connection is crossed, when the computing device runs, is stored described in the computing device
The computer executed instructions of device storage, so that the computing device claim 1 to 6
Described method.
A kind of 34. computing devices, including：Processor, memory, bus and communication interface；
The memory is used to store computing device instruction, and the processor is logical with the memory
The bus connection is crossed, when the computing device runs, is stored described in the computing device
Device storage the computer executed instructions so that the computing device claim 7 to
Method described in 13.
A kind of 35. computing devices, including：Processor, memory, bus and communication interface；
The memory is used to store computing device instruction, and the processor is logical with the memory
The bus connection is crossed, when the computing device runs, is stored described in the computing device
Device storage the computer executed instructions so that the computing device claim 14 to
Method described in 16.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510903425.8A CN106855974A (en) | 2015-12-09 | 2015-12-09 | A kind of method of mobile payment and device |
| PCT/CN2016/103416 WO2017097050A1 (en) | 2015-12-09 | 2016-10-26 | Mobile payment method and apparatus |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510903425.8A CN106855974A (en) | 2015-12-09 | 2015-12-09 | A kind of method of mobile payment and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106855974A true CN106855974A (en) | 2017-06-16 |
Family
ID=59012658
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510903425.8A Pending CN106855974A (en) | 2015-12-09 | 2015-12-09 | A kind of method of mobile payment and device |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN106855974A (en) |
| WO (1) | WO2017097050A1 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109389388A (en) * | 2018-09-30 | 2019-02-26 | 上海掌门科技有限公司 | A kind of method and apparatus for being paid jointly |
| CN111144872A (en) * | 2019-12-27 | 2020-05-12 | 中国银联股份有限公司 | Transaction code generation method, transaction code based processing method, device and system |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109767200B (en) * | 2018-12-28 | 2023-07-14 | 中国银联股份有限公司 | Electronic payment method, device, system and storage medium |
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| CN101655950A (en) * | 2009-06-30 | 2010-02-24 | 阿里巴巴集团控股有限公司 | Method, device and system for realizing merging payment |
| CN103186850A (en) * | 2011-12-28 | 2013-07-03 | 中国银联股份有限公司 | Method, equipment and system for acquiring payment document |
| US20130346302A1 (en) * | 2012-06-20 | 2013-12-26 | Visa International Service Association | Remote Portal Bill Payment Platform Apparatuses, Methods and Systems |
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| CN101655950A (en) * | 2009-06-30 | 2010-02-24 | 阿里巴巴集团控股有限公司 | Method, device and system for realizing merging payment |
| CN103186850A (en) * | 2011-12-28 | 2013-07-03 | 中国银联股份有限公司 | Method, equipment and system for acquiring payment document |
| US20130346302A1 (en) * | 2012-06-20 | 2013-12-26 | Visa International Service Association | Remote Portal Bill Payment Platform Apparatuses, Methods and Systems |
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| CN109389388A (en) * | 2018-09-30 | 2019-02-26 | 上海掌门科技有限公司 | A kind of method and apparatus for being paid jointly |
| CN111144872A (en) * | 2019-12-27 | 2020-05-12 | 中国银联股份有限公司 | Transaction code generation method, transaction code based processing method, device and system |
| CN111144872B (en) * | 2019-12-27 | 2024-04-26 | 中国银联股份有限公司 | Transaction code generation and transaction code-based processing method, device and system |
Also Published As
| Publication number | Publication date |
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| WO2017097050A1 (en) | 2017-06-15 |
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Application publication date: 20170616 |