CN107423957A - A kind of service operation system of flexibly payment and settlement - Google Patents

A kind of service operation system of flexibly payment and settlement Download PDF

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Publication number
CN107423957A
CN107423957A CN201611253985.4A CN201611253985A CN107423957A CN 107423957 A CN107423957 A CN 107423957A CN 201611253985 A CN201611253985 A CN 201611253985A CN 107423957 A CN107423957 A CN 107423957A
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CN
China
Prior art keywords
payment
settlement
business
gateway
main platform
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.)
Pending
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CN201611253985.4A
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Chinese (zh)
Inventor
罗玲
肖文龙
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Language Network (wuhan) Information Technology Co Ltd
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Language Network (wuhan) Information Technology Co Ltd
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Priority to CN201611253985.4A priority Critical patent/CN107423957A/en
Publication of CN107423957A publication Critical patent/CN107423957A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a kind of service operation system of flexibly payment and settlement, including the main platform of business, payment gateway and settlement gateway.When the main platform of business initiates payment transaction, generation pays form information and is submitted to payment gateway;Payment gateway interacts with third-party payment system completes on-line payment;And generate PayPal primary data bag and be transmitted back to the main platform of business.When the main platform of business initiates account settlement business, submit settlement request message to be communicated to the settlement gateway, settlement gateway with third party's settlement system by clearing interface standard, update the accounts information in third party's settlement system;And clearing successful information notice is given to the main platform of business.The present invention provides the one-stop solution for paying, settling accounts for non-financial class distributors, save the human cost of enterprise, the complexity of each business platform reconciliation of finance shuttle is reduced, while realizes the demand that each business platform customizes, there is very strong expansion.

Description

A kind of service operation system of flexibly payment and settlement
Technical field
The present invention relates to on-line payment, clearing technical field, more particularly to one kind of non-financial class distributors application The service operation system of flexible payment and settlement.
Background technology
In numerous online electronic payment modes, there are many means of payment such as Net silver, Alipay, wechat, PayPal.This is Because each electronic payment service business has respective electronic payment platform, if covered as much as possible as network businessman each Kind electronic payment mode, non-financial class distributors just need to install many e-payment softwares or electronic payment devices, with this Simultaneously also generate a problem, Pay Bill form differs caused by different payment channels, the button rate of different payment channels and Billing cycle is different, and the financial staff of trade company needs to carry out multiple payment channels and payment data processing one by one, clearance, right Account, clearing, therefore the unified accounting process systems handled the account of these transaction are just required to, to reduce trade company certainly The wealth pipe cost of body, ensure the accuracy of accounting data.
In addition, generally there are multiple service operation system platforms, such as platform A, platform B in enterprise now, each platform needs Larger human cost is individually spent to develop multiple corresponding payments or settlement function.If abnormal problem be present in transaction, Need to investigate solution one by one, while be related to demand change, may relate to develop multiple similar functions again, cause enterprise whole The increase of body cost, it is cumbersome to do account for finance in addition, it has not been convenient to financial unified supervision.
The content of the invention
The technical problems to be solved by the invention are to provide a kind of service operation system of flexibly payment and settlement, on overcoming State the deficiencies in the prior art.
In order to solve the above technical problems, the present invention provides a kind of service operation system of flexibly payment and settlement, including business Main platform, payment gateway and settlement gateway,
The main platform of business, for initiating payment transaction, generation pays form information and is submitted to payment gateway;The branch Paying form information includes field:Unified order number, operation system order number, trade name, the order amount of money, business platform are compiled Number, Transaction Details, backstage asynchronous notifications address, platform synchronization loopback address, Customer ID, order submission time and message authentication school Channeling test of cement sheath;
The payment gateway, for returning to the selection page of some third-party payment systems to the main platform of business, receive industry The third-party payment system for main platform selecting of being engaged in, interacts with the third-party payment system, realizes on-line payment;Receive third party's branch After the system of paying pays successful message, generation PayPal primary data bag is transmitted back to the main platform of the business, described to pay notice number According to including field:The order amount of money, order number, operation system order number, current time, message authentication check string and payer Formula;
The main platform of business, it is additionally operable to initiate account settlement business, settlement request message is submitted to institute by clearing interface standard State settlement gateway;
The settlement gateway, for carrying out the certification of message legitimacy and field format rule to the settlement request message received Model verifies, if being verified, settlement gateway communicates with third party's settlement system, updates account in third party's settlement system and believes Breath;After the clearing successful information for receiving the return of third party's settlement system, clearing successful information notice is given to the main platform of business.
Further, if checking is by the way that corresponding failure information can be returned to the main platform of business by settlement gateway.
Preferably, the main platform generation of the business pays form information and is submitted to payment gateway, is by browser POST List mode is submitted to the payment gateway address.
After the main platform of business receives the PayPal primary data bag of the payment gateway, message authentication word is regenerated String, compared with the message authentication word string of the PayPal primary data bag received, to verify data validation, if unanimously, Then by checking, otherwise, do not pass through.
Preferably, the message authentication word string is the SHA256 message authentication algorithms generation based on key.
The present invention provides the one-stop solution for paying, settling accounts for non-financial class distributors, contains multiple Pay the customized demand of channel and business industry.Business platform is allowed easily to add payment and settlement function.Once application is opened multiple Channel of disbursement, once access all platforms and the means of payment, a station administration All Activity.
In a word, the human cost of enterprise is saved, reduces the complexity of each business platform reconciliation of finance shuttle, simultaneously The demand that each business platform customizes is realized, there is very strong expansion.
Brief description of the drawings
Technical scheme is further described in detail with reference to the accompanying drawings and detailed description.
Fig. 1 is the principle schematic diagram of the present invention.
Embodiment
As shown in figure 1, flexibly the service operation system of payment and settlement includes the main platform of business, payment gateway and clearing net Close.Relate generally to pay class and settle accounts class business.
First, when pay class business, after the main platform of business receives the payment selection of client, generation pays list letter Breath is submitted to payment gateway;
Pay list packet and include field:Unified order number, operation system order number, trade name, the order amount of money, industry It is engaged in platform numbering, Transaction Details, backstage asynchronous notifications address, platform synchronization loopback address, Customer ID order submission time and disappears Cease authentication check string;It is as shown in table 1 below:
Preferably, the main platform generation of business pays the submission that form information is submitted to payment gateway, is to pass through browser POST list modes are submitted to payment gateway address.One POST list example is as follows:
<Form name=" tpayform " action=" http://ioltpay.iol8.com/order/ ToPay.do " input_charset=" utf-8 "
Method=" POST " target=" _ blank ">
<Input type=" hidden " name=" platform " value=" 1 "/>
<Input type=" hidden " name=" operatorId " value=" WE99ClientID "/>
<Input type=" hidden " name=" projectId " value=" WE99ProjectId "/>
<Input type=" hidden " name=" orderNo " value=" 2016082916471812345678901"/>
<Input type=" hidden " name=" subOrderNo " value=" WE002901 "/>
<Input type=" hidden " name=" productName " value=" iPhone "/>
<Input type=" hidden " name=" remark " value=" apple iPhone8 "/>
<Input type=" hidden " name=" transInfo " value=" iPhone "/>
<Input type=" hidden " name=" amount " value=" 20.00 "/>
<Input type=" hidden " name=" curType " value=" CNY "/>
<Input type=" hidden " name=" timer " value=" 20160829164718 "/>
<Input type=" hidden " name=" jumpUrl " value=" http://abc/jumpUrl"/>
<Input type=" hidden " name=" notifyUrl " value=" http://aaa/notifyUrl"/>
<Input type=" hidden " name=" digest "
Value=" 3224cdc5b77c905c05927041233231f951d3f4abef2e43ac77f75b59 992d "/>
<Input type=" submit " value=" submission ">
</form>
After the main platform of business is submitted to payment gateway by browser POST list modes, if payment gateway provides to client The selection page of dry third-party payment system, some third-party payment system that customer selecting is provided is received, with third party's branch System interaction is paid, supports client's on-line payment;
After Third-party payment terminates, payment gateway has successfully received the different of third-party payment system (Alipay, wechat, bank) , can be by payment result asynchronous notifications to the main platform of business (in the exactly pay invoice that asynchronism callback uses after step readjustment request notifyUrl)。
Payment gateway carries out the asynchronism callback of GET modes by the notifyUrl in above-mentioned payment form information, if industry Business platform, which receives, adjusts back and handles success, then business platform needs to inform payment gateway to payment gateway response return " true " Readjustment be successful, if it is desired to payment gateway continues to adjust back, then response " false ";If payment gateway readjustment when Wait and do not receive response either response failure or the response that receives are false, then payment gateway platform can every 5min, then Secondary transmission payment result, sends 5 times altogether.If notice is still failed more than 5 times, payment gateway platform can record notice and lose Situation about losing, it is not longer notified about the main platform of business.
In addition, the jumpUrl in above-mentioned payment form information is to pay the URL that the synchronous readjustment after terminating accesses.It is synchronous Readjustment is to improve a kind of call-back manner that user pays experience and occurred, i.e., the payment result that synchronous readjustment returns always succeeds , current different channel of disbursement, the opportunity and the form of expression synchronously adjusted back are different, such as:
Alipay can synchronize readjustment automatically after supporting success page to wait reading the clock 5 seconds;
It is just to synchronize readjustment at once after paying successfully that wechat, which is paid,;
It is to need user to click on payment success page " returning to trade company " button just to carry out together that the people's livelihood, which is paid i.e. bank card and paid, Step readjustment;
E is paid to be paid to public affairs, the typically no process synchronously adjusted back, only asynchronism callback.
Regardless of scene, the performance synchronously adjusted back all is the mode of page jump, and the URL that synchronous readjustment accesses is exactly JumpUrl in pay invoice, that is to say, that synchronous readjustment can jump to the payment that the main platform of business defines and successfully prompt the page.
Meanwhile after payment gateway receives the successful message of third-party payment system payment, generation PayPal primary data bag returns The main platform of business is sent to, PayPal primary data bag includes field:The order amount of money, order number, operation system order number, when current Between, message authentication check string and the means of payment;
After the main platform of business receives the PayPal primary data bag of the payment gateway, message authentication word string is regenerated, with The message authentication word string of the PayPal primary data bag received is compared, to verify data validation, if unanimously, passed through Checking, otherwise, does not pass through.
After the main platform of business is by checking, related data is submitted into Finance System, remembered by Finance System Account management.
2nd, when settle accounts class business, the main platform of business submits settlement request message to clearing by clearing interface standard Gateway;Settlement request message format is as shown in the table:
Settlement gateway carries out the certification of message legitimacy and field format specification validation to the settlement request message received, if It is verified, then settlement gateway communicates with third party's settlement system, updates accounts information in third party's settlement system;Receive the 3rd After the clearing successful information that square settlement system returns, clearing successful information notice is given to the main platform of business.
If checking is by the way that corresponding failure information can be returned to the main platform of business by settlement gateway.
Settlement gateway has following function:
1) network attack (obtaining URL to repeat to submit) is prevented
Obtain URL repeat submit, at this moment settlement gateway can verify token validity (token whether used and Authenticity), also timer fields can do the verification of request time section.
2) data tampering is prevented
By making a summary digest verification datas legitimacy and codeString verifies to interpreter and amount of money encrypted result.
3) network timeout is prevented, i.e. the main platform request success of business, settlement gateway also succeeds, but does not receive settlement gateway Returning result.
Such case is run into, settlement gateway has had order data in fact.The main platform of business is needed to be asked in first time When authentication interface obtains token values, token values and service order data are bound.(compensation machine is retransmitted for business platform System) when, reuse this token and make requests on.If token failures (verification token validity), just do not process, come Prevent order data from repeating to submit.
4) settlement gateway exception scene.If settlement gateway is abnormal, settlement gateway will refuse all clearing of this batch The write-in of data.
The present invention provides the one-stop solution for paying, settling accounts for non-financial class distributors, contains multiple Pay the customized demand of channel and business industry.Business platform is allowed easily to add payment and settlement function.Once application is opened multiple Channel of disbursement, once access all platforms and the means of payment, a station administration All Activity.
It should be noted last that above embodiment is merely illustrative of the technical solution of the present invention and unrestricted, Although the present invention is described in detail with reference to preferred embodiment, it will be understood by those within the art that, can be right Technical scheme is modified or equivalent substitution, and without departing from the spirit and scope of technical solution of the present invention, its is equal It should cover among scope of the presently claimed invention.

Claims (5)

1. a kind of service operation system of flexibly payment and settlement, it is characterised in that including the main platform of business, payment gateway and clearing Gateway,
The main platform of business, for initiating payment transaction, generation pays form information and is submitted to payment gateway;The payoff table Single information includes field:Unified order number, operation system order number, trade name, the order amount of money, business platform numbering, hand over Easy details, backstage asynchronous notifications address, platform synchronization loopback address, Customer ID, order submission time and message authentication check string;
The payment gateway, for returning to the selection page of some third-party payment systems to the main platform of business, receive business master The third-party payment system of platform selecting, interacted with the third-party payment system, realize on-line payment;Receive Third-party payment system After system pays successful message, generation PayPal primary data bag is transmitted back to the main platform of the business, the PayPal primary data bag Including field:The order amount of money, order number, operation system order number, current time, message authentication check string and the means of payment;
The main platform of business, it is additionally operable to initiate account settlement business, settlement request message is submitted to the knot by clearing interface standard Calculate gateway;
The settlement gateway, for carrying out the certification of message legitimacy and field format specification school to the settlement request message received Test, if being verified, settlement gateway communicates with third party's settlement system, updates accounts information in third party's settlement system;Receive After the clearing successful information returned to third party's settlement system, clearing successful information notice is given to the main platform of business.
2. it is according to claim 1 flexibly payment and settlement service operation system, it is characterised in that if checking not by, Then corresponding failure information can be returned to the main platform of business by settlement gateway.
3. the service operation system of flexibly payment and settlement according to claim 1, it is characterised in that the main platform of business Generation pay form information be submitted to payment gateway, be by browser POST list modes with being submitted to the payment gateway Location.
4. the service operation system of flexibly payment and settlement according to claim 1, it is characterised in that the main platform of business receives After the PayPal primary data bag of the payment gateway, message authentication word string is regenerated, with the PayPal primary data bag received Message authentication word string be compared, to verify data validation, if unanimously, by checking, otherwise, do not pass through.
5. the service operation system of flexibly payment and settlement according to claim 4, it is characterised in that the message authentication word Go here and there as the SHA256 message authentication algorithms generation based on key.
CN201611253985.4A 2016-12-30 2016-12-30 A kind of service operation system of flexibly payment and settlement Pending CN107423957A (en)

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Cited By (11)

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CN108197914A (en) * 2017-12-29 2018-06-22 珠海市君天电子科技有限公司 A kind of information acquisition method, device and server
CN108876379A (en) * 2018-07-12 2018-11-23 北京京东金融科技控股有限公司 A kind of method and apparatus for generating message
CN109101296A (en) * 2018-07-10 2018-12-28 上海维信荟智金融科技有限公司 Distributed auto deduction method and system
CN109118184A (en) * 2018-08-09 2019-01-01 杭州鑫合汇互联网金融服务有限公司 A kind of payment system and its method of payment
CN109961273A (en) * 2019-03-20 2019-07-02 广州精选速购网络科技有限公司 Payment readjustment processing method, system and storage medium
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
CN110443592A (en) * 2019-07-18 2019-11-12 福建星网智慧软件有限公司 A kind of docking payment platform docks safely the method and system of channel of disbursement platform
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
WO2020233223A1 (en) * 2019-05-17 2020-11-26 中国银联股份有限公司 Payment method, apparatus and system, device, and storage medium
CN114219414A (en) * 2021-11-02 2022-03-22 才星(广州)科技服务有限公司 Subscription method, settlement method and system for flexible employment business middling station

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Cited By (14)

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Publication number Priority date Publication date Assignee Title
CN108197914A (en) * 2017-12-29 2018-06-22 珠海市君天电子科技有限公司 A kind of information acquisition method, device and server
CN108197914B (en) * 2017-12-29 2021-12-17 珠海市君天电子科技有限公司 Information acquisition method and device and server
CN109101296A (en) * 2018-07-10 2018-12-28 上海维信荟智金融科技有限公司 Distributed auto deduction method and system
CN109101296B (en) * 2018-07-10 2022-03-29 上海维信荟智金融科技有限公司 Distributed automatic deduction method and system
CN108876379A (en) * 2018-07-12 2018-11-23 北京京东金融科技控股有限公司 A kind of method and apparatus for generating message
CN109118184A (en) * 2018-08-09 2019-01-01 杭州鑫合汇互联网金融服务有限公司 A kind of payment system and its method of payment
CN109961273A (en) * 2019-03-20 2019-07-02 广州精选速购网络科技有限公司 Payment readjustment processing method, system and storage medium
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
WO2020233223A1 (en) * 2019-05-17 2020-11-26 中国银联股份有限公司 Payment method, apparatus and system, device, and storage medium
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
CN110443592A (en) * 2019-07-18 2019-11-12 福建星网智慧软件有限公司 A kind of docking payment platform docks safely the method and system of channel of disbursement platform
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
CN114219414A (en) * 2021-11-02 2022-03-22 才星(广州)科技服务有限公司 Subscription method, settlement method and system for flexible employment business middling station
CN114219414B (en) * 2021-11-02 2024-01-23 才星(广州)科技服务有限公司 Subscription method, settlement method and system of flexible recruitment business center

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Application publication date: 20171201