CN106875163A - A kind of method for assembling payment gateway system automatically based on modularization - Google Patents
A kind of method for assembling payment gateway system automatically based on modularization Download PDFInfo
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- CN106875163A CN106875163A CN201710072151.1A CN201710072151A CN106875163A CN 106875163 A CN106875163 A CN 106875163A CN 201710072151 A CN201710072151 A CN 201710072151A CN 106875163 A CN106875163 A CN 106875163A
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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]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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Abstract
A kind of method for assembling payment gateway system automatically based on modularization, step 1：When electric business platform is connected with any channel of disbursement, 7 interfaces of the channel of disbursement on payment are extracted automatically；Step 2：Any one accesses the channel of disbursement of electric business platform, and payment gateway realizes the docking electric business platform of channel of disbursement according to the interface module that step 1 builds；Step 3：Towards electric business platform, abstract a set of payment interface module for facilitating electric business user to use, step 4：Based on step 1 and step 3 payment gateway that assembling is formed automatically.Step 5：The payment of electric business platform user submission, reimbursement are received when payment gateway, withdraw deposit application when, the legitimacy of electric business platform user request is first verified that, one is the checking of cashier data, the second is the checking of request source side；Step 6：The solicited message of electric business platform is reached channel of disbursement and processed by empirical tests success, payment gateway by corresponding payment interface, interface of withdrawing deposit, reimbursement interface.
Description
Technical field
The present invention relates to on-line payment technical field, more particularly to the various channel of disbursement interfaces of encapsulation are provided to realize
The method that unified payment gateway is externally provided, more particularly to a kind of assemble payment gateway system based on modularization automatically
Method.
Background technology
On-line payment refers to the seller when being traded by the e-commerce website on internet with buyer, bank and other
Third party provides a kind of business of online capital settlement service for it, and it provides one safely, quickly, easily for payer
E-business applications environment and online capital settlement instrument.
With the development of Internet technology, on-line payment is applied in the middle of various electric business platforms more and more.Difference
In payment process under traditional wire, on-line payment has more convenient, more efficiently advantage, and also exactly these advantages make on-line payment fast
Speed is accepted by the public.However, electric business platform in face of access channel of disbursement during, it is necessary to be based on to rate, access difficulty,
The consideration of the factors such as audient, and one or more channel of disbursement are selected with reference to own situation.When electric business platform selecting is various
During channel of disbursement, such as Alipay, Alipay, wealth are accessed simultaneously and pays logical, Unionpay, connect because each of which provides different accesses
Mouthful, electric business platform must put into learning cost and cost of access for each channel of disbursement, form the waste to manpower financial capacity,
And can not carry out centralized management for the transaction that each channel of disbursement is produced；From operation angle analysis, different payments
Channel brings different reconciliation systems, undoubtedly can also increase the operation cost of electric business platform.
A kind of Chinese patent application " method of payment, payment gateway and payment client terminal " (number of patent application：
201280003041.5) propose payment gateway and receive the payment request comprising subscriber identity information and payment information；Decryption institute
Payment request is stated, the subscriber identity information and payment information is extracted；According to the subscriber identity information, in payment channel list
In find payment channel corresponding with the subscriber identity information；The payment request is sent to by the payment channel
Payment client terminal is authenticated；The payment request that the certification of the payment client terminal transmission passes through is received, and by described by recognizing
The payment request of card is transmitted to paying server；Payment result is obtained, and the payment result is returned into payment request and initiated
Side.The present invention can improve the versatility of secure payment, it is to avoid the security risk that payment information is trapped, eavesdrops and distorts.But
This part patent only proposes a kind of standardized payment flow, but does not refer to the various channel of disbursement connections of support, is also not directed to
For the trade company of multiple types provides a general payment interface.
Patent " payment gateway settlement scheme application process again in e-commerce website " (number of patent application：
200810029001.3) a unified online transaction payment platform for serving ecommerce trade company, the platform system are disclosed
System defines an open interface for docking commerce system, and commerce system can make the existing popular bank's branch of terminal by this interface
The system of paying completes online transaction, is designed without the payment system for every bank；Simultaneity factor additionally provides perfect
Businessman's back-stage management function.However, the patent does not suggest that the payment interface of the bank for how extending existing prevalence, do not have still
Have and solve the problems, such as to extend the Various Complex that bank interface is brought.
The content of the invention
The purpose of the present invention is, the method for proposing to assemble payment gateway system automatically based on modularization, when electric business platform with
When any channel of disbursement is connected, by extracting the channel of disbursement automatically on multiple interfaces for paying, including payment interface, withdraw deposit
Interface, notification line interface, asynchronous notifications interface, reimbursement interface, reimbursement notification interface, query interface, and above-mentioned these are connect
It is a payment gateway that mouth encapsulation is abstract, to provide the payment flow based on payment gateway, including payment, reimbursement and reconciliation etc.,
Realize that payment flow is standardized, electric business platform is docked with any channel of disbursement by the payment gateway that automation is formed, drop
The link cost of low electric business platform, helps electric business platform to accomplish fast integration in fast-developing internet；In addition simultaneously, respectively
Individual channel of disbursement is separate, farthest realizes that lower coupling extends.
The technical scheme is that：A kind of method for being assembled payment gateway system automatically based on modularization, is specifically included：
Step 1：When electric business platform is connected with any channel of disbursement, the channel of disbursement 7 on payment is extracted automatically
Interface；Payment flow is based on, the payment that is related to according to payment, is withdrawn deposit, notified, reimbursement and inquire about this 5 links, built and pay
7 interface modules of gateway, including：Payment interface module, interface module of withdrawing deposit, notification line interface module, asynchronous notifications connect
Mouth mold block, reimbursement interface module, reimbursement notification interface module and query interface module；
Especially, the modular structure of payment gateway realizes that a set of payment gateway can be used for multiple channel of disbursement, different
The access right isolation of channel of disbursement；
The payment interface module：For the service of withdrawing deposit, direct payment, notification line, asynchronous notifications, inquiry clothes
Business, reimbursement service, reimbursement are notified；
The reimbursement interface module：Refund request is initiated to channel of disbursement for electric business platform, it is final to be notified by reimbursement
Interface confirms final reimbursement result；
The interface module of withdrawing deposit：Similar reimbursement interface, it is that record is withdrawn deposit information, payment gateway that the interface withdrawn deposit is submitted to
Can be according to the timed task on backstage, unified submits to channel of disbursement by the task of withdrawing deposit；
The notification line interface module：On the one hand payment result information is committed to payment gateway for channel of disbursement,
On the other hand submit payment result information to electric business website for payment gateway, inform electric business website pay status；
The asynchronous notifications interface module：The supplement of notification line interface, for incessantly and directly in payment canal
Payment result information is transmitted between road and payment gateway；
The reimbursement notification interface module：Reimbursement is non real-time, so reimbursement result submits to business in an asynchronous manner
In the reserved asynchronous notifications interface in family；
The query interface module：For providing wall scroll or a plurality of pay invoice status inquiry；
Step 2：The channel of disbursement of any one access electric business platform, the interface module that payment gateway builds according to step 1,
Modules are extracted for channel of disbursement and form corresponding 7 payment interfaces, realize the docking electric business platform of channel of disbursement；Together
When, payment gateway can be needed according to 7 interface functions, and the payment information of electric business platform is configured to the interface of channel of disbursement needs
Parameter, submits to channel of disbursement treatment；
Especially, there is dependence in the interface module of channel of disbursement and payment gateway, the payment of any one new access
Channel only needs to rely on interface module, the docking by being capable of achieving channel of disbursement after interface definition；
Especially, different channel of disbursement are formed and are specific to the payment interface of oneself, it is ensured that mutual only between channel of disbursement
Vertical property；
Step 3：Towards electric business platform, abstract a set of payment interface module for facilitating electric business user to use, payment interface mould
The content of block is included, and is obtained and is paid cashier interface, selection channel interface, synchronous reception payment result interface, Asynchronous Reception branch
Pay result interface, submit to reimbursement interface, interface of withdrawing deposit, reimbursement state asynchronous notifications interface, the state asynchronous notifications of withdrawing deposit to connect
Mouth, inquiry order status interface；Wherein：
Described acquisition pays cashier interface：The channel of disbursement that displaying and user selection for sequence information is adapted to, and
Sequence information is encrypted using md5 encryption method, it is ensured that electric business platform and payment gateway prevent user during order submission
Whether cash register station information is distorted；
The selection channel interface：Channel can be called to submit payment interface to by paying cashier interface, if by payment net
The cashier for providing is provided and calls the interface, then electric business platform need not be concerned about the use of the interface；If electric business platform generates cashier,
Then payment gateway can provide the channel of disbursement list query interface of electric business trade company support, and the receipts of oneself are constructed with electrical supplier trade company
The silver-colored platform page, it is necessary to the payment interface provided according to payment gateway, submits to and pay ginseng after user selects channel on the cashier
Count, and finally jump to the payment page of channel of disbursement and paid；
The synchronous reception payment result interface：Payment gateway is synchronously returned to channel of disbursement similar, payment gateway
The synchronous address for returning to payment result that can be submitted to during asking to pay according to trade company, the synchronous payment result that returns is to business
Family.
The Asynchronous Reception payment result interface：The asynchronous notifications payment result for submitting payment gateway to according to trade company connects
Mouthful, the notice that payment result is asynchronous of payment gateway timing to trade company, until trade company has acknowledged receipt of payment result.
The submission reimbursement interface：Payment gateway is supplied to the reimbursement interface of trade company, and being divided into has contiguity mouth and connect without close
Mouthful；It is that commerce system reserves payment cipher in payment gateway to have contiguity mouth, payment cipher reimbursement is used when submitting reimbursement to, without contiguity
Mouth is to be submitted directly to payment gateway by commerce system；
The interface of withdrawing deposit：Similar reimbursement interface, interface of withdrawing deposit only records the information of withdrawing deposit, and payment gateway can root
According to the timed task on backstage, unified submits to channel of disbursement by the task of withdrawing deposit.
The reimbursement state asynchronous notifications interface：Reimbursement is non real-time, so payment result is submitted in an asynchronous manner
In the asynchronous notifications interface reserved to commerce system；
The state asynchronous notifications interface of withdrawing deposit：It is non real-time to withdraw deposit, so payment result is submitted in an asynchronous manner
In the asynchronous notifications interface reserved to commerce system；
The inquiry order status interface：For providing wall scroll or a plurality of pay invoice status inquiry.
Step 1 interface is towards channel of disbursement, such as Alipay, Unionpay；The interface of step 3 is towards electric business platform
's.
Step 4：Based on step 1 and step 3 payment gateway that assembling is formed automatically, by payment gateway safeguard electric business platform and
Management between channel of disbursement；Specially：Each electric business system selects the access of channel of disbursement according to own situation, by payment net
Safeguard the configuration information of the electric business system in channel of disbursement, including developer's token, signature key etc. in pass；Payment gateway is not propped up
Service interfacing is held, the service parameter that all electric business platforms access channel of disbursement still needs to oneself application, and payment gateway is only responsible for dimension
Shield service parameter；
Step 5：When payment gateway receive electric business platform user submission payment, reimbursement, withdraw deposit application when, first verify that electricity
The legitimacy of business's platform user request, one is the checking of cashier data, the second is the checking of request source side；
In the verification process of cashier data, sequence information is submitted to payment gateway by electric business platform in advance, by paying
Gateway utilizes MD5 algorithm for encryption sequence informations, forms the MD5 signatures on order；The MD5 that payment gateway will be formed signs and returns
To in the cashier page；When user submits order request in electric business platform, electric business platform obtains branch by paying cash register interface
Pay channel, and select oneself need channel of disbursement after, by payment gateway using MD5 algorithms to this order request in order
Single information is encrypted, and forms MD5 signatures；Signed by comparing two MD5, verify whether user distorts cash register station information；
Ask source side verification process in, payment gateway can to electric business platform send over ask and trade company reservation it is secret
Key information carries out md5 encryption, forms signature；Then whether the signature is contrasted consistent with the signature that trade company sends over, if one
It is legal to cause the request of then explanation trade company, and data are not tampered with.
Step 6：Empirical tests success, payment gateway by the solicited message of electric business platform by corresponding payment interface, withdraw deposit
Interface, reimbursement interface reach channel of disbursement treatment；After channel of disbursement respond request, channel of disbursement will ask the result for processing again
Payment net is reached with by way of either synchronously or asynchronously corresponding notification interface, notification interface of withdrawing deposit, the reimbursement notification interface of paying
Close, then be reserved in payment gateway the address for receiving request results, the treatment knot that will be asked according to electric business platform by payment gateway
Fruit informs electric business platform；
Especially, according to the requirement of channel of disbursement, the data interaction between payment gateway and channel of disbursement is with reconciliation of endorsing
The mode of label verifies the security of data, and channel of disbursement and payment gateway each preserve signature string, in two-sided information transmittance process
In, according to md5 encryption, name string of being endorsed to transmission data, recipient encrypts sender according to MD5 algorithms to identical data；Pass through
Whether encrypted result is consistent twice for checking, and data verification passes through if consistent, and data verification does not pass through if inconsistent.
The present invention compared with prior art, beneficial effect：
(1) present invention when electric business platform is connected with channel of disbursement, pays canal by building general payment gateway structure
Road can be automatic according to payment gateway Structural abstraction into corresponding interface, and then sets up the connection with electric business platform, makes electric business platform
The payment gateway that can be formed by automation is docked with any channel of disbursement, reduces the link cost of electric business platform, realizes paying
Process standard；
(2) present invention by by payment interface, interface of withdrawing deposit, notification line interface, asynchronous notifications interface, reimbursement interface,
It is a payment gateway that reimbursement notification interface, query interface are encapsulated abstract, there is provided the payment flow based on payment gateway, including branch
Pay, reimbursement and reconciliation etc., realize that payment flow is standardized, help electric business platform to accomplish quick collection in fast-developing internet
Into；In addition, each channel of disbursement is separate, farthest realizes that lower coupling extends.
Brief description of the drawings
Fig. 1 is payment gateway design structure diagram in the embodiment of the present invention；
Fig. 2 is the relation schematic diagram of channel of disbursement and payment interface module in the embodiment of the present invention；
Fig. 3 be the embodiment of the present invention in payment gateway realize payment flow figure；
Fig. 4 is that sequence information is endorsed schematic diagram in the embodiment of the present invention；
Fig. 5 is payment gateway and electric business platform and the correlation figure of channel of disbursement in the embodiment of the present invention.Fig. 5 it is upper in
In lower three figures, upper figure below represents the trade company corresponding with middle figure, channel of disbursement and pays the specific detail of configuration.
Specific embodiment
In order that the object, technical solutions and advantages of the present invention are clearer, below in conjunction with the accompanying drawings with specific embodiment pair
The present invention is described in detail.
Fig. 1 is payment gateway design structure diagram in the embodiment of the present invention.Based on payment flow, according to carrying that payment is related to
It is existing, pay, notify, reimbursement and inquiring about this 5 links, build general payment gateway structure, mainly include 7 interface modules,
Specially：Payment interface module, interface module of withdrawing deposit, notification line interface module, asynchronous notifications interface module, reimbursement interface mould
Block, reimbursement notification interface module and query interface module；
The payment interface module：For the service of withdrawing deposit, direct payment, notification line, asynchronous notifications, inquiry clothes
Business, reimbursement service, reimbursement are notified；
The reimbursement interface module：Refund request is initiated to channel of disbursement for electric business platform, it is final to be notified by reimbursement
Interface confirms final reimbursement result；
The interface module of withdrawing deposit：Similar reimbursement interface, it is that record is withdrawn deposit information, payment gateway that the interface withdrawn deposit is submitted to
Can be according to the timed task on backstage, unified submits to channel of disbursement by the task of withdrawing deposit；
The notification line interface module：On the one hand payment result information is committed to payment gateway for channel of disbursement,
On the other hand submit payment result information to electric business website for payment gateway, inform electric business website pay status；
The asynchronous notifications interface module：The supplement of notification line interface, for incessantly and directly in payment canal
Payment result information is transmitted between road and payment gateway；
The reimbursement notification interface module：Reimbursement is non real-time, so reimbursement result submits to business in an asynchronous manner
In the reserved asynchronous notifications interface in family；
The query interface module：For providing wall scroll or a plurality of pay invoice status inquiry；
Fig. 2 is the relation schematic diagram of channel of disbursement and payment interface module in the embodiment of the present invention.Any one accesses electricity
The channel of disbursement of business's platform, payment gateway is extracted for channel of disbursement to be accessed and forms phase according to interface module, modules
7 payment interfaces answered；Payment gateway structure in the embodiment of the present invention ensure that a set of payment gateway can pay for multiple
Channel is used, the access right isolation between different channel of disbursement.
There is dependence in the interface module of channel of disbursement and payment gateway, the channel of disbursement of any one new access is only needed
Interface module is relied on, the docking by being capable of achieving channel of disbursement after interface definition, different channel of disbursement are formed and are specific to certainly
Oneself payment interface, it is ensured that the mutual independence between channel of disbursement；
The access of Alipay channel of disbursement and Unionpay's channel of disbursement, can respectively be directed to two kinds of channel of disbursement, respective independent shape
Connect into payment interface, interface of withdrawing deposit, notification line interface, asynchronous notifications interface, reimbursement interface, reimbursement notification interface and inquiry
Mouthful；
Fig. 3 be the embodiment of the present invention in payment gateway realize payment flow figure, payment gateway not only provides standard and equally carries
Standard reimbursement and the flow withdrawn deposit with reconciliation are supplied, has been specifically included：
Step 1：Order payment flow, step includes：Step 1-1：Member selectes product in electric business website and generates product
Product order, the shopping process that this step specifies according to electric business platform is completed in electric business platform；
Step 1-2：Electric business platform is obtained and pays cashier interface, according to the payment canal for paying cashier interface selection needs
Road；
Step 1-3：Obtain selection channel and submit payment interface, the channel of disbursement that will have been selected in step 1-2, by order numbers to
According to being committed to the corresponding payment gateway of the channel of disbursement；
Step 1-4：The channel of disbursement that payment gateway is selected according to user, construction submits to the association requests of channel of disbursement,
And jump in channel of disbursement and pay, payment gateway realizes that step is as follows：
Step 1-4-1：Management between electric business platform and channel of disbursement is safeguarded by payment gateway, refering to the sheet shown in Fig. 5
Payment gateway and electric business platform and the correlation figure of channel of disbursement in inventive embodiments.Each electric business system can be according to oneself
Situation selects channel of disbursement, and safeguards the configuration information of the electric business system in channel of disbursement, such as developer by payment gateway
Token, signature key etc..
In the relation shown in Fig. 5, payment gateway is only responsible for the role of Integration ofTechnology, and docking does not pay canal in business
Road, all electric business systems need the service parameter of the channel of disbursement for accessing to need for oneself application, and payment gateway is only responsible for
Maintenance service parameter；
Step 1-4-2：Payment gateway receives the payment request of electric business platform submission, verifies the legitimacy of the request.It is legal
Property checking include two aspects, one is whether cashier data in verification step 2 are tampered, specially：Electric business platform
Sequence information (order number, order amount of money etc.) is submitted into payment gateway, payment gateway can be to above sensitive information plus special
Close string, by md5 encryption an into special string, sequence information content of endorsing is as shown in Figure 4 in embodiment of the present invention sheet；
During the signature contents can be returned to the cashier page by payment gateway；Carried again after channel of disbursement is chosen from the cashier page
Hand over during paying request, payment gateway same can do same signature treatment, and cashier to order number and the order amount of money
The signature for passing to payment gateway is contrasted, to verify whether user distorts cash register station information；
Another verifies whether the request comes from trade company, and verification method is also the verification method in same step 2, pays net
The request that can be sended over to electric business platform is closed, the key information retained with trade company is added, the signature of MD5 is done, then contrast should
Whether signature is consistent with the signature that trade company sends over, and the request of explanation trade company is legal if unanimously, and data do not have
It is tampered.
Step 1-4-3：Payment gateway extracts the channel for needing to pay according to the payment information for receiving, and payment gateway will
Its name channelCode, each channel of disbursement can correspond to a channelCode, payment gateway according to channelCode with
And trade company's number information obtains the configuration information (developer's token, encryption key etc.) of trade company and channel of disbursement, payment gateway meeting
According to these information, it would be desirable to which interface parameters that the information structuring of payment needs into channel of disbursement simultaneously submits to channel of disbursement.
Step 1-5：User's pay invoice in channel of disbursement；
Step 1-6：After paying successfully, channel of disbursement redirects mode and will pay knot by notification line interface, with browser
Fruit information transmission is to payment gateway；
Step 1-7：After gateway to be paid receives payment result, payment gateway receives payment result interface by synchronous,
The synchronous address for receiving payment result that electric business platform keeps for payment gateway is jumped in the way of same browser is redirected,
Inform the pay status of electric business platform current order.
Step 1-8：Payment result from channel of disbursement to electric business platform synchronization during, because artificial and network factors are same
Step failure, then carry out the asynchronous transmission of payment result；Payment result is directly transferred to branch by channel of disbursement by asynchronous notifications interface
Pay gateway；
Step 1-9：Payment gateway is reached electric business platform and is reserved by Asynchronous Reception payment result interface, just payment result
To the synchronous address for receiving payment result of payment gateway, the pay status of electric business platform current order are informed.
Step 2：Reimbursement flow, specifically includes：Step 2-1：User submits reimbursement Shen to by electric business platform to payment gateway
Please；
Step 2-2：After gateway to be paid receives the reimbursement application of electric business platform, reimbursement is received to electric business platform feedback
Request；
Step 2-3：Payment gateway submits reimbursement application to by the timing of reimbursement interface to channel of disbursement；
Step 2-4：After channel to be paid receives reimbursement application, synchronously return to payment gateway and received refund request；
Step 2-5：Channel of disbursement processes reimbursement application, and after reimbursement success, channel of disbursement will be moved back by reimbursement notification interface
Money result informs payment gateway；
Step 2-6：Payment gateway is different by reimbursement state by reimbursement result by reimbursement state asynchronous notifications interface
Step notification interface informs the user of electric business platform；
Step 3：Withdraw deposit flow, specifically include：Step 3-1：User is withdrawn deposit Shen by electric business platform to payment gateway
Please；
Step 3-2：After gateway to be paid receives the application of withdrawing deposit of electric business platform, received to electric business platform feedback and withdrawn deposit
Request；And the request that will withdraw deposit is sent to channel of disbursement treatment；
Step 3-3：After request of withdrawing deposit is processed successfully, channel of disbursement is by the treatment knot that in asynchronous notifications interface, will withdraw deposit
Fruit is back to electric business platform；
Step 3-4：Payment gateway is reached electric business platform and is kept for by state asynchronous notifications interface of withdrawing deposit, the result that will withdraw deposit
The reception of payment gateway is withdrawn deposit the address of result；
Step 4：Reconciliation flow, specifically includes：Step 4-1：Electric business platform obtains daily pay invoice, is sent out to payment gateway
Inquiry order status are sent to ask；
Step 4-2：Inquiry request is sent to payment gateway by electric business platform by inquiring about order status interface；
Step 4-3：After payment gateway receives request, by inquiring about service interface, channel is submitted to do status inquiry.
Claims (4)
1. a kind of method for assembling payment gateway system automatically based on modularization, it is characterized in that：
Step 1：When electric business platform is connected with any channel of disbursement, 7 interfaces of the channel of disbursement on payment are extracted automatically；
Payment flow is based on, the payment that is related to according to payment, is withdrawn deposit, notified, reimbursement and inquire about this 5 links, build payment gateway
7 interface modules, including：Payment interface module, interface module of withdrawing deposit, notification line interface module, asynchronous notifications interface mould
Block, reimbursement interface module, reimbursement notification interface module and query interface module；
The modular structure of payment gateway realizes that a set of payment gateway can be used for multiple channel of disbursement, and different channel of disbursement make
Isolated with authority；
The payment interface module：Serviced for the service of withdrawing deposit, direct payment, notification line, asynchronous notifications, inquiry, moved back
Money service, reimbursement are notified；
The reimbursement interface module：Refund request is initiated to channel of disbursement for electric business platform, it is final to rely on reimbursement notification interface
Confirm final reimbursement result；
The interface module of withdrawing deposit：Similar reimbursement interface, it is that record is withdrawn deposit information that the interface withdrawn deposit is submitted to, and payment gateway can root
According to the timed task on backstage, unified submits to channel of disbursement by the task of withdrawing deposit；
The notification line interface module：On the one hand payment result information is committed to payment gateway for channel of disbursement, it is another
Aspect submits payment result information to electric business website for payment gateway, informs electric business website pay status；
The asynchronous notifications interface module：The supplement of notification line interface, for incessantly and directly in channel of disbursement and
Payment result information is transmitted between payment gateway；
The reimbursement notification interface module：Reimbursement be it is non real-time, so reimbursement result to submit to trade company in an asynchronous manner pre-
In the asynchronous notifications interface for staying；
The query interface module：For providing wall scroll or a plurality of pay invoice status inquiry；
Step 2：The channel of disbursement of any one access electric business platform, the interface module that payment gateway builds according to step 1, each
Module is extracted for channel of disbursement and forms corresponding 7 payment interfaces, realizes the docking electric business platform of channel of disbursement；Meanwhile,
Payment gateway can be needed according to 7 interface functions, and the payment information of electric business platform is configured to the interface ginseng of channel of disbursement needs
Number, submits to channel of disbursement treatment；
There is dependence in the interface module of channel of disbursement and payment gateway, the channel of disbursement of any one new access only need according to
Rely interface module, the docking by being capable of achieving channel of disbursement after interface definition；
Different channel of disbursement are formed and are specific to the payment interface of oneself, it is ensured that the mutual independence between channel of disbursement；
Step 3：Towards electric business platform, abstract a set of payment interface module for facilitating electric business user to use, payment interface module
Content is included, and is obtained and is paid cashier interface, selects channel interface, synchronous payment result interface, the Asynchronous Reception of receiving to pay knot
Fruit interface, submit reimbursement interface, interface of withdrawing deposit to, reimbursement state asynchronous notifications interface, state of withdrawing deposit asynchronous notifications interface, look into
Ask order status interface；Wherein：
Described acquisition pays cashier interface：The channel of disbursement that displaying and user selection for sequence information is adapted to, and utilize
Md5 encryption method is encrypted to sequence information, it is ensured that whether electric business platform and payment gateway prevent user during order submission
Distort cash register station information；
The selection channel interface：Channel can be called to submit payment interface to by paying cashier interface, if being carried by payment gateway
The cashier of confession calls the interface, then electric business platform need not be concerned about the use of the interface；If electric business platform generates cashier, prop up
Paying gateway can provide the channel of disbursement list query interface of electric business trade company support, and the cashier of oneself is constructed with electrical supplier trade company
The page, it is necessary to the payment interface provided according to payment gateway, submits to and pay parameter after user selects channel on the cashier,
And finally jump to the payment page of channel of disbursement and paid；
The synchronous reception payment result interface：Synchronously return to that payment gateway is similar with channel of disbursement, payment gateway also can root
The synchronous address for returning to payment result submitted to during asking to pay according to trade company, the synchronous payment result that returns is to trade company
The Asynchronous Reception payment result interface：Submit the interface of the asynchronous notifications payment result of payment gateway, branch to according to trade company
The notice that payment result is asynchronous of gateway timing is paid to trade company, until trade company has acknowledged receipt of payment result.
The submission reimbursement interface：Payment gateway is supplied to the reimbursement interface of trade company, and being divided into has contiguity mouth and without close interface；Have
Contiguity mouth is that commerce system reserves payment cipher in payment gateway, and payment cipher reimbursement is used when submitting reimbursement to, is without contiguity mouth
Payment gateway is submitted directly to by commerce system；
The interface of withdrawing deposit：Similar reimbursement interface, interface of withdrawing deposit only records the information of withdrawing deposit, and payment gateway can be according to after
The timed task of platform, unified submits to channel of disbursement by the task of withdrawing deposit
The reimbursement state asynchronous notifications interface：Reimbursement is non real-time, so payment result submits to business in an asynchronous manner
In the reserved asynchronous notifications interface of family system；
The state asynchronous notifications interface of withdrawing deposit：It is non real-time to withdraw deposit, so payment result submits to business in an asynchronous manner
In the reserved asynchronous notifications interface of family system；
The inquiry order status interface：For providing wall scroll or a plurality of pay invoice status inquiry
Step 4：Based on step 1 and step 3 payment gateway that assembling is formed automatically, electric business platform and payment are safeguarded by payment gateway
Management between channel；Specially：Each electric business system selects the access of channel of disbursement according to own situation, is tieed up by payment gateway
Protect the configuration information of the electric business system in channel of disbursement, including developer's token, signature key etc.；Payment gateway does not support industry
Business docking, the service parameter that all electric business platforms access channel of disbursement still needs to oneself application, and payment gateway is only responsible for safeguarding industry
Business parameter；
Step 5：When payment gateway receive electric business platform user submission payment, reimbursement, withdraw deposit application when, first verify that electric business put down
The legitimacy of platform user's request, one is the checking of cashier data, the second is the checking of request source side；
In the verification process of cashier data, sequence information is submitted to payment gateway by electric business platform in advance, by payment gateway
Using MD5 algorithm for encryption sequence informations, the MD5 signatures on order are formed；The MD5 signatures of formation are returned to receipts by payment gateway
In the silver-colored platform page；When user submits order request in electric business platform, electric business platform obtains payment canal by paying cash register interface
Road, and after the channel of disbursement for selecting oneself to need, the order in this order request is believed using MD5 algorithms by payment gateway
Breath is encrypted, and forms MD5 signatures；Signed by comparing two MD5, verify whether user distorts cash register station information；
In source side's verification process is asked, payment gateway can send over the key letter that request and trade company retain to electric business platform
Breath carries out md5 encryption, forms signature；Then the signature is contrasted whether consistent with the signature that trade company sends over, if consistent
The request for illustrating trade company is legal, and data are not tampered with；
Step 6：Empirical tests success, payment gateway by the solicited message of electric business platform by corresponding payment interface, interface of withdrawing deposit,
Reimbursement interface reaches channel of disbursement treatment；After channel of disbursement respond request, channel of disbursement will ask the result for the treatment of to pass through again
Corresponding notification interface, notification interface of withdrawing deposit, the reimbursement notification interface of paying reaches payment gateway in the way of either synchronously or asynchronously, then
The address for receiving request results is reserved in payment gateway according to electric business platform by payment gateway, the result of request is informed
Electric business platform.
2. method according to claim 1, it is characterized in that in step 6：According to the requirement of channel of disbursement, payment gateway and branch
The security that data are verified in the data interaction between channel in the way of endorsing and conciliate label is paid, channel of disbursement and payment gateway are each
Signature string is preserved, in two-sided information transmittance process, according to md5 encryption, name string of being endorsed to transmission data, recipient presses sender
Identical data is encrypted according to MD5 algorithms；By checking, whether encrypted result is consistent twice, and data verification passes through if consistent,
Data verification does not pass through if inconsistent.
3. method according to claim 1, it is characterized in that order payment flow, step includes：Step 1-1：Member is in electricity
Product is selected in business website and product order is generated, the shopping process that this step specifies according to electric business platform, in electric business platform
Complete；
Step 1-2：Electric business platform is obtained and pays cashier interface, according to the channel of disbursement for paying cashier interface selection needs；
Step 1-3：Obtain selection channel and submit payment interface to, the channel of disbursement that will have been selected in step 1-2 puies forward order data
Hand over to the corresponding payment gateway of the channel of disbursement；
Step 1-4：The channel of disbursement that payment gateway is selected according to user, construction submits to the association requests of channel of disbursement, and jumps
Go in channel of disbursement and pay, payment gateway realizes that step is as follows：
Step 1-4-1：Management between electric business platform and channel of disbursement is safeguarded by payment gateway；
Step 1-4-2：Payment gateway receives the payment request of electric business platform submission, verifies that the legitimacy legitimacy of the request is tested
Card includes two aspects, and one is whether cashier data in verification step 2 are tampered, specially：Electric business platform is by order
Number, order amount of money sequence information submits to payment gateway, and payment gateway can add special close string, pass through to above sensitive information
Md5 encryption makes sequence information endorse name into a special string；The signature contents can be returned to cashier page by payment gateway
In face；Submitted to again after channel of disbursement is chosen from the cashier page during paying request, payment gateway can be same right
Order number and the order amount of money do same signature treatment, and cashier passes to the signature of payment gateway and contrasts, to verify user
Whether cash register station information is distorted；
Step 1-4-3：Payment gateway extracts the channel for needing to pay according to the payment information for receiving, and payment gateway is ordered
Name channelCode, each channel of disbursement can correspond to a channelCode, and payment gateway is according to channelCode and business
Family number information obtains the configuration information (developer's token, encryption key etc.) of trade company and channel of disbursement, and payment gateway can basis
These information, it would be desirable to which interface parameters that the information structuring of payment needs into channel of disbursement simultaneously submits to channel of disbursement
Step 1-5：User's pay invoice in channel of disbursement；
Step 1-6：After paying successfully, channel of disbursement is redirected mode and is believed payment result by notification line interface with browser
Breath is transferred to payment gateway；
Step 1-7：After gateway to be paid receives payment result, payment gateway receives payment result interface by synchronous, with same
The mode that the browser of sample is redirected jumps to the synchronous address for receiving payment result that electric business platform keeps for payment gateway, informs
The pay status of electric business platform current order
Step 1-8：Payment result from channel of disbursement to electric business platform synchronization during, because artificial and network factors are synchronously lost
Lose, then carry out the asynchronous transmission of payment result；Be directly transferred to for payment result to pay net by asynchronous notifications interface by channel of disbursement
Close；
Step 1-9：Payment gateway reaches electric business platform and keeps for branch by Asynchronous Reception payment result interface, just payment result
The synchronous address for receiving payment result of gateway is paid, the pay status of electric business platform current order are informed
Step 2：Reimbursement flow, specifically includes：Step 2-1：User submits reimbursement application to by electric business platform to payment gateway；
Step 2-2：After gateway to be paid receives the reimbursement application of electric business platform, having received reimbursement to electric business platform feedback please
Ask；
Step 2-3：Payment gateway submits reimbursement application to by the timing of reimbursement interface to channel of disbursement；
Step 2-4：After channel to be paid receives reimbursement application, synchronously return to payment gateway and received refund request；
Step 2-5：Channel of disbursement processes reimbursement application, and after reimbursement success, channel of disbursement passes through reimbursement notification interface, at reimbursement
Reason result informs payment gateway；
Step 2-6：Payment gateway is asynchronous logical by reimbursement state by reimbursement result by reimbursement state asynchronous notifications interface
Know that interface informs the user of electric business platform；
Step 3：Withdraw deposit flow, specifically include：Step 3-1：User is withdrawn deposit application by electric business platform to payment gateway；
Step 3-2：After gateway to be paid receives the application of withdrawing deposit of electric business platform, receive to withdraw deposit to electric business platform feedback and asked
Ask；And the request that will withdraw deposit is sent to channel of disbursement treatment；
Step 3-3：After request of withdrawing deposit is processed successfully, channel of disbursement is by the way that in asynchronous notifications interface, the result that will withdraw deposit is returned
It is back to electric business platform；
Step 3-4：Payment gateway reaches electric business platform and keeps for payment by state asynchronous notifications interface of withdrawing deposit, the result that will withdraw deposit
The reception of gateway is withdrawn deposit the address of result；
Step 4：Reconciliation flow, specifically includes：Step 4-1：Electric business platform obtains daily pay invoice, is sent to payment gateway and looked into
Ask order status request；
Step 4-2：Inquiry request is sent to payment gateway by electric business platform by inquiring about order status interface；
Step 4-3：After payment gateway receives request, by inquiring about service interface, channel is submitted to do status inquiry.
4. method according to claim 3, it is characterized in that the checking of step 1-4-2：Verify whether the request comes from business
Family, verification method is also the verification method in same step 2, the request that payment gateway can be sended over to electric business platform, add and
The key information that trade company retains, does the signature of MD5, and whether with signature that trade company send over consistent, such as if then contrasting the signature
The request of the consistent then explanation trade company of fruit is legal, and data are not tampered with.
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| CN107230062A (en) * | 2017-07-27 | 2017-10-03 | 青岛松立软件信息技术股份有限公司 | Method of payment based on product subscription order |
| CN107341729A (en) * | 2017-08-04 | 2017-11-10 | 现在（北京）支付股份有限公司 | Computer webpage method of payment based on block chain technology |
| CN107958378A (en) * | 2017-11-17 | 2018-04-24 | 北京奥鹏远程教育中心有限公司 | On-line payment method and on-line payment system |
| CN108205439A (en) * | 2018-02-07 | 2018-06-26 | 弘成科技发展有限公司 | Universal payment platform and its implementation |
| CN109272328A (en) * | 2018-09-29 | 2019-01-25 | 湖南共睹互联网科技有限责任公司 | Reimbursement method for tracing, transaction ensure platform, terminal and readable storage medium storing program for executing |
| CN109961279A (en) * | 2019-03-18 | 2019-07-02 | 厦门市易联众易惠科技有限公司 | One kind being based on shifty HIS pay status acquisition methods and equipment |
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| CN107230062A (en) * | 2017-07-27 | 2017-10-03 | 青岛松立软件信息技术股份有限公司 | Method of payment based on product subscription order |
| CN107341729A (en) * | 2017-08-04 | 2017-11-10 | 现在（北京）支付股份有限公司 | Computer webpage method of payment based on block chain technology |
| CN107958378A (en) * | 2017-11-17 | 2018-04-24 | 北京奥鹏远程教育中心有限公司 | On-line payment method and on-line payment system |
| CN108205439A (en) * | 2018-02-07 | 2018-06-26 | 弘成科技发展有限公司 | Universal payment platform and its implementation |
| CN109272328A (en) * | 2018-09-29 | 2019-01-25 | 湖南共睹互联网科技有限责任公司 | Reimbursement method for tracing, transaction ensure platform, terminal and readable storage medium storing program for executing |
| CN109961279A (en) * | 2019-03-18 | 2019-07-02 | 厦门市易联众易惠科技有限公司 | One kind being based on shifty HIS pay status acquisition methods and equipment |
| CN110111092A (en) * | 2019-04-02 | 2019-08-09 | 上海瀚之友信息技术服务有限公司 | A kind of compatible system of payment channel |
| CN110111092B (en) * | 2019-04-02 | 2023-03-24 | 上海瀚之友信息技术服务有限公司 | Compatible system of payment channel |
| CN110298647A (en) * | 2019-04-24 | 2019-10-01 | 上海易点时空网络有限公司 | Method of payment and device |
| CN110348851A (en) * | 2019-06-26 | 2019-10-18 | 杭州数梦工场科技有限公司 | Pay Proxy Method, system, electronic equipment and storage medium |
| CN110335029A (en) * | 2019-06-26 | 2019-10-15 | 中通服创发科技有限责任公司 | Unified payment gateway, method and system |
| CN110336872A (en) * | 2019-06-28 | 2019-10-15 | 上海指旺信息科技有限公司 | The method, apparatus and system of third party's data acquisition |
| CN110336872B (en) * | 2019-06-28 | 2022-03-18 | 上海指旺信息科技有限公司 | Method, device and system for acquiring third-party data |
| CN110400133A (en) * | 2019-08-02 | 2019-11-01 | 广州羊城通有限公司 | The transfer implementation method and balance transfer service platform of remaining sum in a kind of entity IC card |
| CN110717756A (en) * | 2019-09-11 | 2020-01-21 | 口碑(上海)信息技术有限公司 | Payment data processing device and method based on contract |
| CN110866814A (en) * | 2019-10-11 | 2020-03-06 | 上海瀚银信息技术有限公司 | Payment channel management system |
| CN111709729A (en) * | 2020-06-17 | 2020-09-25 | 天津异乡好居网络科技有限公司 | Platform and method for independent payment center |
| CN112396411A (en) * | 2020-10-16 | 2021-02-23 | 深圳市科漫达智能管理科技有限公司 | Processing method of multiple payment channels and related device |
| CN112508551A (en) * | 2020-12-07 | 2021-03-16 | 永辉云金科技有限公司 | Unified payment gateway system based on intelligent payment routing |
| CN115375321A (en) * | 2022-09-01 | 2022-11-22 | 浙江康邻科技有限公司 | Refund device and method for card-free and secret-free refund of cross-acquiring mechanism |
| CN115375321B (en) * | 2022-09-01 | 2024-07-30 | 浙江康邻科技有限公司 | Refund device and method for card-free and secret refund-free through cross-acquirer |
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Application publication date: 20170620 |