CN107229661B - Payment method and device - Google Patents

Payment method and device Download PDF

Info

Publication number
CN107229661B
CN107229661B CN201610180005.6A CN201610180005A CN107229661B CN 107229661 B CN107229661 B CN 107229661B CN 201610180005 A CN201610180005 A CN 201610180005A CN 107229661 B CN107229661 B CN 107229661B
Authority
CN
China
Prior art keywords
payment
client
information
transaction information
server
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CN201610180005.6A
Other languages
Chinese (zh)
Other versions
CN107229661A (en
Inventor
戴治波
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Jiangsu Sushang Bank Co ltd
Original Assignee
Suning Group Co ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Suning Group Co ltd filed Critical Suning Group Co ltd
Priority to CN201610180005.6A priority Critical patent/CN107229661B/en
Publication of CN107229661A publication Critical patent/CN107229661A/en
Application granted granted Critical
Publication of CN107229661B publication Critical patent/CN107229661B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/957—Browsing optimisation, e.g. caching or content distillation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0641—Shopping interfaces

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Databases & Information Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Data Mining & Analysis (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the invention discloses a payment method and a payment device, relates to the technical field of Internet, and can reduce flow consumption and use cost of a user. The invention comprises the following steps: detecting whether a target character exists in address information of a page loaded by a user terminal currently, wherein the page loaded currently is a page to which a payment request sent by the user terminal points; if the target character exists, reading transaction information corresponding to the payment request through a payment client in the user terminal; and carrying out online payment according to the transaction information through the payment client. The invention is suitable for online payment.

Description

Payment method and device
Technical Field
The invention relates to the technical field of internet, in particular to a payment method and a payment device.
Background
At present, an online payment platform becomes an indispensable tool in the field of electronic commerce, and besides an online payment platform provided by a bank, various third party payment platforms are also constructed by large operators so as to facilitate online financial or online transaction activities of users.
For many operators who are small in size and do not provide a proprietary payment platform, due to human resources and cost factors, only a transaction interface can be maintained, such as the wap interface of a shopping website. If transaction behaviors such as online payment and the like need to be completed, the payment client needs to be opened when the user checks the account, and the user needs to jump to a wap payment interface of a corresponding payment bank or log in a payment interface of other third-party payment platforms to complete online payment.
However, loading the wap payment interface of the payment bank or logging in the payment interface of another third party payment platform requires the user terminal to maintain the networking state, log in the corresponding payment system and load the relevant data of the payment interface. In the daily operation of a user, a lot of fragmentary transaction behaviors exist, the transaction behaviors are usually for directly purchasing small commodities, and generally, auxiliary plug-ins for centralized payment such as shopping carts and the like are not used, so that the user needs to frequently call a payment interface, the user terminal needs to be kept in a stable network environment for a long time, and when the quality of a network signal is poor, the user terminal is difficult to smoothly jump to the corresponding payment interface, and therefore payment failure is caused. And the corresponding payment interface is jumped and loaded, and data interaction between the user terminal and the server terminal is required, so that the flow consumption is increased, and the use cost of the user is increased.
Disclosure of Invention
The embodiment of the invention provides a payment method and a payment device, which can reduce flow consumption and use cost of a user.
In order to achieve the above purpose, the embodiment of the invention adopts the following technical scheme:
in a first aspect, an embodiment of the present invention provides a method, including: detecting whether a target character exists in address information of a page loaded by a user terminal currently, wherein the page loaded currently is a page to which a payment request sent by the user terminal points;
if the target character exists, reading transaction information corresponding to the payment request through a payment client in the user terminal;
and carrying out online payment according to the transaction information through the payment client.
With reference to the first aspect, in a first possible implementation manner of the first aspect, the detecting whether a target character exists in address information of a page currently loaded by a user terminal includes:
generating the payment request according to user operation through a service client in the user terminal, wherein a monitoring plug-in is operated in the service client;
detecting whether a target character exists in the address information of the page loaded by the service client currently through the monitoring plug-in, if so, generating a jump message or a start message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the start message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information.
With reference to the first aspect, in a second possible implementation manner of the first aspect, the detecting whether a target character exists in address information of a page currently loaded by a user terminal includes:
detecting whether a target character exists in address information of a page loaded by the user terminal currently through a monitoring plug-in an operating system of the user terminal;
and if the transaction information exists, generating a jump message or a starting message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the starting message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information.
With reference to the first possible implementation manner of the first aspect, in a third possible implementation manner, the performing, by the payment client, online payment according to the transaction information includes:
sending the transaction information to a merchant server through the payment client so that the merchant server generates order information according to the transaction information and sends the order information to a payment server through the merchant server;
and after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant corresponding to the transaction information is verified.
With reference to the second possible implementation manner of the first aspect, in a fourth possible implementation manner, the performing, by the payment client, online payment according to the transaction information includes:
sending the transaction information to a merchant server through the payment client so that the merchant server generates order information according to the transaction information and sends the order information to a payment server through the merchant server;
and after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant and the identity of the user corresponding to the transaction information are verified.
In a second aspect, an embodiment of the present invention provides an apparatus, including: the system comprises a monitoring module, a payment module and a processing module, wherein the monitoring module is used for detecting whether a target character exists in address information of a page loaded by a user terminal currently, and the page loaded currently is a page to which a payment request sent by the user terminal points;
the analysis module is used for reading the transaction information corresponding to the payment request through a payment client in the user terminal when the target character exists;
and the payment module is used for carrying out online payment according to the transaction information through the payment client.
With reference to the second aspect, in a first possible implementation manner of the second aspect, the monitoring module is specifically configured to generate the payment request according to a user operation through a service client in the user terminal, where a monitoring plug-in is run in the service client; and detecting whether a target character exists in the address information of the page loaded by the service client currently through the monitoring plug-in, if so, generating a jump message or a start message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the start message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information.
With reference to the second aspect, in a second possible implementation manner of the second aspect, the analysis module is specifically configured to detect, through a monitoring plug-in an operating system of the user terminal, whether a target character exists in address information of a page currently loaded by the user terminal; and if the transaction information exists, generating a jump message or a starting message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the starting message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information.
With reference to the first possible implementation manner of the second aspect, in a third possible implementation manner, the payment module is specifically configured to send the transaction information to a merchant-side server through the payment client, so that the merchant-side server generates order information according to the transaction information, and the merchant-side server sends the order information to a payment server; and after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant corresponding to the transaction information is verified.
With reference to the second possible implementation manner of the second aspect, in a fourth possible implementation manner, the payment module is specifically configured to send the transaction information to a merchant-side server through the payment client, so that the merchant-side server generates order information according to the transaction information, and the merchant-side server sends the order information to a payment server;
and after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant and the identity of the user corresponding to the transaction information are verified.
According to the payment method and the payment device, the target character in the address information of the page loaded by the user terminal at present is detected, when the target character exists, the transaction information corresponding to the payment request is read through the payment client side in the user terminal, and then online payment is carried out through the payment client side according to the transaction information. Compared with the means of online payment by loading the wap payment interface in the prior art, the method and the device realize the local loading and display of the payment interface at the user terminal, wherein data interaction between the user terminal and the server terminal is not required, so that the flow consumption and the use cost of a user are reduced.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a user terminal according to an embodiment of the present invention;
FIG. 2 is a flow chart of a payment method provided by an embodiment of the invention;
FIG. 3 is a schematic diagram of an embodiment of the present invention;
FIG. 4 is a schematic diagram of another embodiment of the present invention;
fig. 5 is a schematic structural diagram of a payment apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the present invention will be described in further detail with reference to the accompanying drawings and specific embodiments. Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the accompanying drawings are illustrative only for the purpose of explaining the present invention, and are not to be construed as limiting the present invention. As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. It will be understood that when an element is referred to as being "connected" or "coupled" to another element, it can be directly connected or coupled to the other element or intervening elements may also be present. Further, "connected" or "coupled" as used herein may include wirelessly connected or coupled. As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items. It will be understood by those skilled in the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the prior art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.
The payment method disclosed by the invention can be operated on a single electronic device; the payment device disclosed in the present invention may be implemented as a single device, or integrated into various media data playing devices, such as a mobile phone, a Tablet Personal Computer (Tablet Personal Computer), a laptop Computer (laptop Computer), a Personal Digital Assistant (PDA), etc. For example: as shown in fig. 1, an electronic device according to an embodiment of the present invention may also be referred to as a user terminal in this embodiment, and includes an input unit, a processor unit, an output unit, a communication unit, a storage unit, a peripheral unit, and other components. These components communicate over one or more buses. It will be appreciated by those skilled in the art that the configuration of the electronic device shown in the figures is not intended to limit the invention, and may be a bus or star configuration, and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
Specifically, the method comprises the following steps: the input unit is used for realizing interaction between a user and the electronic equipment and/or inputting information into the electronic equipment. For example, the input unit may receive numeric or character information input by a user to generate a signal input related to user setting or function control. In the embodiment of the present invention, the input unit may be a touch panel, other human-computer interaction interfaces such as physical input keys and a microphone, and other external information capturing devices such as a camera. A touch panel, also referred to as a touch screen or touch screen, may collect an operation action on which a user touches or approaches. For example, the user uses any suitable object or accessory such as a finger, a stylus, etc. to operate on or near the touch panel, and drives the corresponding connection device according to a preset program. Alternatively, the touch panel may include two parts, a touch detection device and a touch controller. The touch detection device detects touch operation of a user, converts the detected touch operation into an electric signal and transmits the electric signal to the touch controller; the touch controller receives the electrical signal from the touch sensing device, converts it to touch point coordinates, and sends the touch point coordinates to the processing unit. The touch controller can also receive and execute commands sent by the processing unit. In addition, the touch panel may be implemented in various types, such as resistive, capacitive, Infrared (Infrared), and surface acoustic wave. In other embodiments of the present invention, the physical input keys used by the input unit may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like. An input unit in the form of a microphone may collect speech input by a user or the environment and convert it into commands executable by the processing unit in the form of electrical signals.
The processor unit is a control center of the electronic device, connects various parts of the whole electronic device by using various interfaces and lines, and executes various functions of the electronic device and/or processes data by operating or executing software programs and/or modules stored in the storage unit and calling data stored in the storage unit. The processor unit may be composed of an Integrated Circuit (IC), for example, a single packaged IC, or a plurality of packaged ICs connected with the same or different functions. For example, the processor Unit may include only a Central Processing Unit (CPU), or may be a combination of a GPU, a Digital Signal Processor (DSP), and a control chip (e.g., a baseband chip) in the communication Unit. In the embodiment of the present invention, the CPU may be a single operation core, or may include multiple operation cores.
The communication unit is used for establishing a communication channel, enabling the electronic equipment to be connected to a remote server through the communication channel, and downloading media data from the remote server. The communication unit may include a wireless local Area Network (wlan) module, a bluetooth module, a baseband (Base Band) module, and other communication modules, and a Radio Frequency (RF) circuit corresponding to the communication module, and is configured to perform wlan communication, bluetooth communication, infrared communication, and/or cellular communication system communication, such as Wideband Code Division Multiple Access (W-CDMA) and/or High Speed Downlink Packet Access (HSDPA). The communication module is used for controlling communication of each component in the electronic equipment and can support Direct Memory Access (Direct Memory Access).
In different embodiments of the present invention, the various communication modules in the communication unit are generally in the form of Integrated Circuit chips (Integrated Circuit chips), and may be selectively combined without including all the communication modules and corresponding antenna groups. For example, the communication unit may comprise only a baseband chip, a radio frequency chip and a corresponding antenna to provide communication functionality in a cellular communication system. The electronic device may be connected to a Cellular Network or the Internet (Internet) via a wireless communication connection established by the communication unit, such as a wireless local area Network access or a WCDMA access. In some alternative embodiments of the present invention, the communication module, e.g., the baseband module, in the communication unit may be integrated into a processor unit, typically an APQ + MDM family platform as provided by the Qualcomm corporation.
The output unit includes, but is not limited to, an image output unit and a sound output unit. The image output unit is used for outputting characters, pictures and/or videos. The image output unit may include a display panel, such as a display panel configured in the form of an LCD (Liquid crystal display), an OLED (Organic Light-Emitting Diode), a Field Emission Display (FED), and the like. Alternatively, the image output unit may include a reflective display, such as an electrophoretic (electrophoretic) display, or a display using an Interferometric Modulation of Light (Interferometric Modulation). The image output unit may include a single display or a plurality of displays of different sizes. In an embodiment of the present invention, the touch panel used in the input unit can also be used as a display panel of the output unit. For example, when the touch panel detects a gesture operation of touch or proximity thereon, the gesture operation is transmitted to the processing unit to determine the type of the touch event, and then the processing unit provides a corresponding visual output on the display panel according to the type of the touch event. Although the input unit and the output unit are shown in fig. 1 as two separate components to implement the input and output functions of the electronic device, in some embodiments, the touch panel may be integrated with the display panel to implement the input and output functions of the electronic device. For example, the image output unit may display various Graphical User Interfaces (GUIs) as virtual control elements, including but not limited to windows, scroll shafts, icons, and scrapbooks, for a User to operate in a touch manner.
The storage unit may be used to store software programs and modules, and the processing unit executes various functional applications of the electronic device and implements data processing by operating the software programs and modules stored in the storage unit. The storage unit mainly comprises a program storage area and a data storage area, wherein the program storage area can store an operating system and application programs required by at least one function, such as a sound playing program, an image playing program and the like; the data storage area may store data (such as audio data, a phonebook, etc.) created according to the use of the electronic device, and the like. In an embodiment of the invention, the Memory unit may include a volatile Memory, such as a Nonvolatile dynamic Random Access Memory (NVRAM), a Phase Change Random Access Memory (PRAM), a Magnetoresistive Random Access Memory (MRAM), and a non-volatile Memory, such as at least one magnetic disk Memory device, an Electrically Erasable Programmable Read-Only Memory (EEPROM), a flash Memory device, such as a flash Memory (NOR) or a flash Memory (NAND) or a flash Memory. The nonvolatile memory stores an operating system and an application program executed by the processing unit. The processing unit loads operating programs and data from the non-volatile memory into the memory and stores digital content in the mass storage device. The operating system includes various components and/or drivers for controlling and managing conventional system tasks, such as memory management, storage device control, power management, etc., as well as facilitating communication between various hardware and software components. In the embodiment of the present invention, the operating system may be an Android system developed by Google, an iOS system developed by Apple, a Windows operating system developed by Microsoft, or an embedded operating system such as Vxworks.
The application programs include any application installed on the electronic device including, but not limited to, browser, email, instant messaging service, word processing, keyboard virtualization, Widget (Widget), encryption, digital rights management, voice recognition, voice replication, positioning (e.g., functions provided by the global positioning system), music playing, and so forth. Particularly in this embodiment, the application program includes: the system comprises a service client and an operation monitoring plug-in running in the service client; and/or a monitoring plug-in the operating system.
The power supply is used to power the various components of the electronic device to maintain its operation. As a general understanding, the power source may be a built-in battery, such as a common lithium ion battery, a nickel metal hydride battery, and the like, and also include an external power source that directly supplies power to the electronic device, such as an AC adapter, and the like. In some embodiments of the invention, the power supply may be more broadly defined and may include, for example, a power management system, a charging system, a power failure detection circuit, a power converter or inverter, a power status indicator (e.g., a light emitting diode), and any other components associated with power generation, management, and distribution of an electronic device.
An embodiment of the present invention provides a payment method, as shown in fig. 2, including:
s1, detecting whether the address information of the current loaded page of the user terminal has the target character.
And the currently loaded page is a page to which a payment request sent by the user terminal is directed. In this embodiment, the address information may specifically be a web page address of a page to which the payment request is directed, an address to which a URL opened by a user operation is directed, or other types of page address information. The target character may specifically be preset character string information, such as: domain name information of the online payment platform; preset special characters or keywords (wherein the special characters or keywords are automatically generated by a server of the online payment platform and added in the address information), and the like.
If the target character does not exist, the payment process provided by the embodiment is not executed.
And S2, if the target character exists, reading the transaction information corresponding to the payment request through the payment client in the user terminal.
For example: the user terminal analyzes the network request initiated by the third-party app, judges whether a preset keyword exists in address information of a page pointed by the network request initiated by the third-party app, if so, further judges that the current request is a payment mode of a wap cash desk, and if the payment mode is payment through an sdk (Software Development Kit) client, sends the request (including parameters) to a payment client for analysis, wherein the payment client can be a sdk client specifically. sdk after receiving the request and parameters, the client will take out the relevant data and analyze the data to get the transaction information needed by the payment, and then start the payment interface for the user to finish the payment. The transaction information may specifically include information such as an order number, an amount, a payment account number, an account name, and the like, and may further include information such as a commodity type and a commodity name.
And S3, carrying out online payment according to the transaction information through the payment client.
In this embodiment, in the case that the user terminal has a payment client locally, the payment client performs online payment according to the transaction information, where the payment client may specifically be an sdk client or a sdk payment plug-in. And if the page loaded by the user terminal is the payment page pointed by the wap payment request initiated by the third-party app, replacing the wap payment request initiated by the third-party app, and calling the local payment client instead. In this embodiment, the payment client and the payment server may be affiliated with the same payment system, which may be implemented by an SDK based payment package or payment instrument.
The user terminal can judge whether the current payment request initiated by the third-party app is in a wap payment mode according to the content of the target character in the address information, wherein whether the content of the target character corresponds to the wap payment mode can be set by the online payment platform. If yes, judging whether a payment client exists locally, if yes, calling the local payment client to complete payment, and if not, continuing to adopt the wap payment mode.
According to the payment method provided by the embodiment of the invention, the target character in the address information of the page loaded by the user terminal at present is detected, when the target character exists, the transaction information corresponding to the payment request is read through the payment client side in the user terminal, and then online payment is carried out through the payment client side according to the transaction information. Compared with the means of online payment by loading the wap payment interface in the prior art, the method and the device realize the local loading and display of the payment interface at the user terminal, wherein data interaction between the user terminal and the server terminal is not required, so that the flow consumption and the use cost of a user are reduced.
In this embodiment, the detecting whether the target character exists in the address information of the page currently loaded by the user terminal includes:
and generating the payment request according to user operation through a service client in the user terminal, wherein a monitoring plug-in is operated in the service client. And detecting whether a target character exists in the address information of the page loaded by the service client currently through the monitoring plug-in, and if so, generating a jump message or a start message.
And if the target character does not exist, continuing to execute wap payment.
The skip message is used for triggering the payment client to generate a payment interface according to the transaction information, and the start message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information. The monitoring plug-in is specifically used for detecting address information of a currently loaded page of the service client in real time, and generating a jump message or a start message when target characters exist in the address information so as to jump to a payment interface of the payment client.
In this embodiment, the service client may specifically be a third-party application app satisfying a federated trusted login function, or may also be a third-party application app satisfying an untrusted login, where the federated trusted login means: the service client and the payment client have unified user accounts and passwords, the same account information of the user can log in the service client and the payment client at the same time, and specifically, the third-party application APP can be a shopping APP provided by an operator of an online shopping platform or clients such as APPs for realizing e-commerce functions. For example: in the scenario of adopting the united trust login, a merchant of the online shopping platform submits order information and user information to a payment server (specifically, an SDK server can be used as the payment server), the identity of the merchant needs to be authenticated by the SDK server, and when the identity authentication of the merchant is successful, a user uses the SDK server in a trust login mode; in the scene of login without joint trust, a merchant of the online shopping platform submits order information to the SDK server, the SDK server performs merchant identity authentication and user identity authentication, and the SDK server is called after the two kinds of authentication are passed.
Further, in this embodiment, the monitoring plug-in is configured in the service client and is encapsulated in the installation package of the service client, and after the user terminal downloads the installation package of the service client, the service client configured with the monitoring plug-in is installed. The online payment is carried out according to the transaction information through the payment client, and the online payment comprises the following steps:
and sending the transaction information to a merchant server through the payment client so that the merchant server generates order information according to the transaction information and sends the order information to a payment server through the merchant server. And after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant corresponding to the transaction information is verified. For example:
as shown in fig. 3, the embodiment provides a specific application scenario for performing online payment by the payment client according to the transaction information, which includes:
1. a user selects commodities at a service client, places orders and triggers a payment order;
2. after a monitoring plug-in a service client detects a target character, generating order information according to transaction information obtained by ordering operation of a user, and acquiring user account information;
3. the service client sends the order information and the user account information to a payment client and requests payment;
4. the payment client performs local initialization processing on the current account and the terminal information to generate a corresponding key, and the key can access the account and the terminal equipment information stored by the payment server;
5. the payment client sends the order information and the user account information to a payment server of the mobile internet;
6. the payment server performs merchant identity authentication and user identity authentication and puts the order into storage;
7. the payment server returns the merchant, the user identity authentication result and the corresponding payment order to the payment client, wherein if the payment server passes the verification and the account state is activated, the payment client is informed that the user can log in trustiny, and the account state, the account authority, the equipment information, the confidential information, the balance information and the bank card information of the corresponding account are returned to the payment client; if the payment server passes the verification and the account state is not activated, only providing a quick payment mode for the user not activated;
8. if the account state returned by the payment server is that the account is not activated, the payment client loads and displays a payment password setting page;
9. the payment client renders and displays a corresponding cash register page according to the current service type and account information returned by the payment server, the user selects a payment mode and inputs a payment check item, wherein the account information comprises but is not limited to the payment mode, balance, a bank card, payment limit, the payment check item and the like.
In this embodiment, the monitoring plug-in may also be set in an operating system, for example, in a system control for loading a web page, so that when the service client is provided for an operator of a non-agreement partner, the service client monitors the web page and triggers a jump. The detecting address information of the page currently loaded by the user terminal includes:
and detecting whether a target character exists in the address information of the page loaded by the user terminal currently through a monitoring plug-in an operating system of the user terminal.
And if the transaction information exists, generating a jump message or a starting message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the starting message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information.
Further, since a monitoring plug-in does not exist in a service client provided by an operator of a non-agreement partner, for page monitoring in the case that the monitoring plug-in does not exist in the service client, the present embodiment provides a scheme in which the monitoring plug-in is set in an operating system to monitor a page and trigger a jump. The scheme of setting a monitoring page in an operating system and triggering jump based on a monitoring plug-in, wherein the online payment is carried out according to the transaction information through the payment client, and comprises the following steps:
and sending the transaction information to a merchant server through the payment client so that the merchant server generates order information according to the transaction information and sends the order information to a payment server through the merchant server.
And after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant and the identity of the user corresponding to the transaction information are verified.
As shown in fig. 4, this embodiment further provides a specific application scenario for performing online payment by the payment client according to the transaction information, including:
1. a user selects commodities at a service client, places orders and triggers a payment order, and the service client sends corresponding order placing information to a merchant server;
2. the merchant server generates an order;
3. the merchant server submits the order information to a payment client and requests payment;
4. the payment client side carries out initialization processing on the current account and the terminal information, generates a corresponding key, the key can access the account and the terminal equipment information stored by the payment server, if the account information corresponding to the current equipment cannot be inquired or the current equipment does not have a corresponding account use record, user identity authentication is required, the step 5 is carried out, and if a history matching record exists, the step 6 is directly carried out;
5. the user fills in identity authentication information, wherein the page simultaneously provides a payment password setting text link, and the payment password setting can be accessed by clicking;
6. the client submits the merchant order information and the user identity information to a mobile internet payment server for verification;
7. the payment server verifies the result, wherein if the payment server verifies successfully, the account state, the account authority, the equipment information, the balance information and the bank card information of the user to the account are returned to the payment client side at the same time; and if the payment server verifies that the user does not set the payment password, the payment client loads and displays a payment password setting page.
An embodiment of the present invention further provides a payment apparatus, as shown in fig. 5, including:
the system comprises a monitoring module, a payment module and a processing module, wherein the monitoring module is used for detecting whether a target character exists in address information of a page loaded by a user terminal currently, and the page loaded currently is a page to which a payment request sent by the user terminal points;
the analysis module is used for reading the transaction information corresponding to the payment request through a payment client in the user terminal when the target character exists;
and the payment module is used for carrying out online payment according to the transaction information through the payment client.
In this embodiment, the monitoring module is specifically configured to generate the payment request according to a user operation through a service client in the user terminal, where a monitoring plug-in is run in the service client; and detecting whether a target character exists in the address information of the page loaded by the service client currently through the monitoring plug-in, if so, generating a jump message or a start message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the start message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information.
In this embodiment, the analysis module is specifically configured to detect, through a monitoring plug-in an operating system of the user terminal, whether a target character exists in address information of a page currently loaded by the user terminal; and if the transaction information exists, generating a jump message or a starting message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the starting message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information.
In this embodiment, the payment module is specifically configured to send the transaction information to a merchant-side server through the payment client, so that the merchant-side server generates order information according to the transaction information, and the merchant-side server sends the order information to a payment server; and after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant corresponding to the transaction information is verified.
In this embodiment, the payment client is specifically configured to send the transaction information to a merchant server, so that the merchant server generates order information according to the transaction information, and the merchant server sends the order information to a payment server;
and after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant and the identity of the user corresponding to the transaction information are verified.
According to the payment device provided by the embodiment of the invention, the target character in the address information of the page loaded by the user terminal at present is detected, when the target character exists, the transaction information corresponding to the payment request is read through the payment client side in the user terminal, and then online payment is carried out through the payment client side according to the transaction information. Compared with the means of online payment by loading the wap payment interface in the prior art, the method and the device realize the local loading and display of the payment interface at the user terminal, wherein data interaction between the user terminal and the server terminal is not required, so that the flow consumption and the use cost of a user are reduced.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points. The above description is only for the specific embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (2)

1. A payment method, comprising:
detecting whether a target character exists in address information of a page loaded by a user terminal currently, wherein the page loaded currently is a page to which a payment request sent by the user terminal points;
if the target character exists, reading transaction information corresponding to the payment request through a payment client in the user terminal;
performing online payment according to the transaction information through the payment client;
further comprising:
the user terminal analyzes a network request initiated by a third-party app, judges whether address information of a page pointed by the network request initiated by the third-party app is a preset keyword or not, and further judges that the current request is a payment mode of a wap cash register if the address information of the page pointed by the network request initiated by the third-party app exists;
if the payment mode is payment through the sdk client, the current request is sent to the sdk client for analysis;
after receiving the request and the parameters, the sdk client takes out relevant data through keywords and analyzes the data to obtain transaction information required by payment, and then starts a payment interface for the user to complete the payment;
the user terminal judges whether a current payment request initiated by the third-party app is in a wap payment mode or not according to the content of the target character in the address information; if yes, judging whether the sdk client exists locally, if yes, calling the local sdk client to complete payment, and if not, continuing to adopt a wap payment mode;
the user terminal carries out online payment according to transaction information through the sdk client under the condition that the sdk client exists locally;
if the page loaded by the user terminal is the payment page pointed by the wap payment request initiated by the third-party app, replacing the wap payment request initiated by the third-party app, and calling a local sdk client instead;
the process of online payment comprises:
a user selects commodities at a service client, places orders and triggers a payment order;
after the monitoring plug-in the service client detects the target character, generating order information according to transaction information obtained by ordering operation of a user, and acquiring user account information;
the business client sends the order information and the user account information to a payment client and requests payment;
the payment client performs local initialization processing on the current account and the terminal information to generate a corresponding key, and the key can access the account and the terminal equipment information stored by the payment server;
the payment client sends the order information and the user account information to the payment server of the mobile internet;
the payment server performs merchant identity authentication and user identity authentication and stores the order in a warehouse;
the payment server returns the merchant, the user identity authentication result and the corresponding payment order to the payment client;
if the account state returned by the payment server is that the account is not activated, the payment client loads and displays a payment password setting page;
the payment client renders and displays a corresponding cash register page according to the current service type and the account information returned by the payment server, and the user selects a payment mode and inputs a payment check item;
the detecting whether the address information of the page loaded by the user terminal currently has the target character comprises the following steps:
generating the payment request according to user operation through a service client in the user terminal, wherein a monitoring plug-in is operated in the service client;
detecting whether a target character exists in address information of a page loaded by the service client at present through the monitoring plug-in, if so, generating a jump message or a start message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the start message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information;
the detecting whether the address information of the page loaded by the user terminal currently has the target character comprises the following steps:
detecting whether a target character exists in address information of a page loaded by the user terminal currently through a monitoring plug-in an operating system of the user terminal;
if the transaction information exists, generating a jump message or a starting message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the starting message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information;
the online payment is carried out according to the transaction information through the payment client, and the online payment comprises the following steps:
sending the transaction information to a merchant server through the payment client so that the merchant server generates order information according to the transaction information and sends the order information to a payment server through the merchant server;
after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant corresponding to the transaction information is verified;
the online payment is carried out according to the transaction information through the payment client, and the online payment comprises the following steps:
sending the transaction information to a merchant server through the payment client so that the merchant server generates order information according to the transaction information and sends the order information to a payment server through the merchant server;
and after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant and the identity of the user corresponding to the transaction information are verified.
2. A payment device, comprising:
the system comprises a monitoring module, a payment module and a processing module, wherein the monitoring module is used for detecting whether a target character exists in address information of a page loaded by a user terminal currently, and the page loaded currently is a page to which a payment request sent by the user terminal points;
the analysis module is used for reading the transaction information corresponding to the payment request through a payment client in the user terminal when the target character exists;
the payment module is used for carrying out online payment according to the transaction information through the payment client;
further comprising:
the user terminal analyzes a network request initiated by a third-party app, judges whether address information of a page pointed by the network request initiated by the third-party app is a preset keyword or not, and further judges that the current request is a payment mode of a wap cash register if the address information of the page pointed by the network request initiated by the third-party app exists;
if the payment mode is payment through the sdk client, the current request is sent to the sdk client for analysis;
after receiving the request and the parameters, the sdk client takes out relevant data through keywords and analyzes the data to obtain transaction information required by payment, and then starts a payment interface for the user to complete the payment;
the user terminal judges whether a current payment request initiated by the third-party app is in a wap payment mode or not according to the content of the target character in the address information; if yes, judging whether the sdk client exists locally, if yes, calling the local sdk client to complete payment, and if not, continuing to adopt a wap payment mode;
the user terminal carries out online payment according to transaction information through the sdk client under the condition that the sdk client exists locally;
if the page loaded by the user terminal is the payment page pointed by the wap payment request initiated by the third-party app, replacing the wap payment request initiated by the third-party app, and calling a local sdk client instead;
the process of online payment comprises:
a user selects commodities at a service client, places orders and triggers a payment order;
after the monitoring plug-in the service client detects the target character, generating order information according to transaction information obtained by ordering operation of a user, and acquiring user account information;
the business client sends the order information and the user account information to a payment client and requests payment;
the payment client performs local initialization processing on the current account and the terminal information to generate a corresponding key, and the key can access the account and the terminal equipment information stored by the payment server;
the payment client sends the order information and the user account information to the payment server of the mobile internet;
the payment server performs merchant identity authentication and user identity authentication and stores the order in a warehouse;
the payment server returns the merchant, the user identity authentication result and the corresponding payment order to the payment client;
if the account state returned by the payment server is that the account is not activated, the payment client loads and displays a payment password setting page;
the payment client renders and displays a corresponding cash register page according to the current service type and account information returned by the payment server, and a user selects a payment mode and inputs a payment check item;
the monitoring module is specifically configured to generate the payment request according to a user operation through a service client in the user terminal, where a monitoring plug-in is operated in the service client; detecting whether a target character exists in the address information of the page loaded by the service client currently through the monitoring plug-in, if so, generating a jump message or a start message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the start message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information;
the analysis module is specifically configured to detect whether a target character exists in address information of a currently loaded page of the user terminal through a monitoring plug-in an operating system of the user terminal; if the transaction information exists, generating a jump message or a starting message, wherein the jump message is used for triggering the payment client to generate a payment interface according to the transaction information, and the starting message is used for starting the payment client and triggering the payment client to generate the payment interface according to the transaction information;
the payment module is specifically configured to send the transaction information to a merchant-side server through the payment client, so that the merchant-side server generates order information according to the transaction information, and the merchant-side server sends the order information to a payment server; after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant corresponding to the transaction information is verified;
the payment module is specifically configured to send the transaction information to a merchant-side server through the payment client, so that the merchant-side server generates order information according to the transaction information, and the merchant-side server sends the order information to a payment server;
and after receiving a confirmation message sent by the payment server, performing online payment according to the transaction information, wherein the confirmation message is used for indicating that the identity of the merchant and the identity of the user corresponding to the transaction information are verified.
CN201610180005.6A 2016-03-25 2016-03-25 Payment method and device Active CN107229661B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201610180005.6A CN107229661B (en) 2016-03-25 2016-03-25 Payment method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201610180005.6A CN107229661B (en) 2016-03-25 2016-03-25 Payment method and device

Publications (2)

Publication Number Publication Date
CN107229661A CN107229661A (en) 2017-10-03
CN107229661B true CN107229661B (en) 2020-11-06

Family

ID=59932086

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201610180005.6A Active CN107229661B (en) 2016-03-25 2016-03-25 Payment method and device

Country Status (1)

Country Link
CN (1) CN107229661B (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108876356B (en) * 2018-07-24 2021-06-22 创新先进技术有限公司 Payment abnormity determining method and device

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103400268A (en) * 2013-07-24 2013-11-20 北京奇虎科技有限公司 Device and method for realizing safety payment of browser
CN103530764A (en) * 2013-10-08 2014-01-22 百度在线网络技术（北京）有限公司 Electronic trading method, electronic trading system and client-side
CN104778580A (en) * 2015-03-18 2015-07-15 微梦创科网络科技（中国）有限公司 Payment method and payment plug-in unit
CN104869135A (en) * 2014-02-24 2015-08-26 阿里巴巴集团控股有限公司 Data interaction method and terminal.
CN105046482A (en) * 2015-06-24 2015-11-11 上海海漾软件技术有限公司 Mobile terminal payment method, device, and system

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103106576A (en) * 2011-11-15 2013-05-15 腾讯科技（深圳）有限公司 Payment method and payment system based on client side and payment client side

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103400268A (en) * 2013-07-24 2013-11-20 北京奇虎科技有限公司 Device and method for realizing safety payment of browser
CN103530764A (en) * 2013-10-08 2014-01-22 百度在线网络技术（北京）有限公司 Electronic trading method, electronic trading system and client-side
CN104869135A (en) * 2014-02-24 2015-08-26 阿里巴巴集团控股有限公司 Data interaction method and terminal.
CN104778580A (en) * 2015-03-18 2015-07-15 微梦创科网络科技（中国）有限公司 Payment method and payment plug-in unit
CN105046482A (en) * 2015-06-24 2015-11-11 上海海漾软件技术有限公司 Mobile terminal payment method, device, and system

Also Published As

Publication number Publication date
CN107229661A (en) 2017-10-03

Similar Documents

Publication Publication Date Title
CN107222485B (en) Authorization method and related equipment
EP3182314B1 (en) Fingerprint identification method and apparatus
KR102058777B1 (en) Indirect authentication
CN105706131B (en) Providing credentials on an electronic device using a password transmitted over an authenticated channel
US20150302215A1 (en) Sensitive operation verification method, terminal device, server, and verification system
JP6072281B2 (en) NFC data transmission method, terminal device, server, program, and recording medium
US20150341416A1 (en) Cloud management systems and methods for executing applications of android systems
WO2015135381A1 (en) Device, system, and method for creating virtual credit card field of the technology
US20180315024A1 (en) Systems and Methods Enabling Secure Transactions from Terminal Window
JP6496408B2 (en) Contactless payment method, apparatus, and system
WO2017211205A1 (en) Method and device for updating whitelist
CN105630685A (en) Method and device for testing program interface
CN106815518B (en) Application installation method and electronic equipment
CN104737175A (en) Method and system for browser identity
CN104572299A (en) resource transfer method and device
US20190056859A1 (en) Information processing method and electronic device
WO2017206833A1 (en) Payment method, payment apparatus, and payment server
CN107005619A (en) A kind of method, corresponding intrument and system for registering mobile sale point terminal POS
CN105243407A (en) Method and device for reading and writing smart card
WO2015135379A1 (en) Device, system, and method for creating virtual credit card
CN110244963B (en) Data updating method and device and terminal equipment
CN110795737A (en) Method and terminal equipment for upgrading service application range of electronic identity card
CN105721510A (en) Account login method and terminal device
CN108604331B (en) Information reminding method and mobile device
KR20170075952A (en) Method for providing interface of direct transaction based on reliability estimation and server implementing the same

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
CB02 Change of applicant information
CB02 Change of applicant information

Address after: 210000, 1-5 story, Jinshan building, 8 Shanxi Road, Nanjing, Jiangsu.

Applicant after: SUNING.COM Co.,Ltd.

Address before: 210042 Nanjing Province, Xuanwu District, Jiangsu Suning Avenue, Suning headquarters, No. 1

Applicant before: SUNING COMMERCE GROUP Co.,Ltd.

GR01 Patent grant
GR01 Patent grant
TR01 Transfer of patent right
TR01 Transfer of patent right

Effective date of registration: 20210719

Address after: Room 834, Yingying building, 99 Tuanjie Road, yanchuangyuan, Jiangbei new district, Nanjing, Jiangsu 210000

Patentee after: Nanjing Xingyun Digital Technology Co.,Ltd.

Address before: 210000, 1-5 story, Jinshan building, 8 Shanxi Road, Nanjing, Jiangsu.

Patentee before: SUNING.COM Co.,Ltd.

TR01 Transfer of patent right
TR01 Transfer of patent right

Effective date of registration: 20240627

Address after: The 7th, 8th, 9th, 27th, 28th, and 29th floors of Building 4, No. 248 Lushan Road, Jianye District, Nanjing City, Jiangsu Province, 210000, and the 1st and 2nd floors of the podium of Building 4

Patentee after: Jiangsu Sushang Bank Co.,Ltd.

Country or region after: China

Address before: Room 834, Yingying building, 99 Tuanjie Road, yanchuangyuan, Jiangbei new district, Nanjing, Jiangsu 210000

Patentee before: Nanjing Xingyun Digital Technology Co.,Ltd.

Country or region before: China