CN107705104A - Third party's charging method and device - Google Patents
Third party's charging method and device Download PDFInfo
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- CN107705104A CN107705104A CN201710040251.6A CN201710040251A CN107705104A CN 107705104 A CN107705104 A CN 107705104A CN 201710040251 A CN201710040251 A CN 201710040251A CN 107705104 A CN107705104 A CN 107705104A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment 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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention discloses a kind of third party's charging method and device, methods described to include：After transaction platform receives the payment request of user terminal transmission, whether target charge account corresponding to detection payment request supports third party to charge；When target charge account supports third party's charge, the payment configuration information of invocation target charging account pays the payment serial number for asking corresponding order to be paid to obtain；According to the payment control for paying serial number calling user terminal, after the correct payment information of user terminal transmission is received based on payment control, by the reimbursement of expense of order to be paid into target charge account.This programme, by the target charge account of expense direct payment to businessman, makes businessman obtain expense in time when transaction platform receives payment request and pays target charge account support third party's charge corresponding to request.Expense can reduce the Maintenance Development management cost of transaction platform without the transaction platform where businessman simultaneously.
Description
Technical field
The invention mainly relates to toll collection technique field, specifically, is related to a kind of third party's charging method and device.
Background technology
In recent years, internet has greatly promoted the development of mobile terminal transaction platform, the popular dependence to transaction platform
Also more and more higher.Businessman is by commodity such as household electrical appliances, clothes, food, or the service such as travel, stop, calling a taxi is positioned over transaction platform
In sold；Buyer obtains service, and paid by transaction platform picking commodities.But buyer is after being paid,
The expense of payment can't reach in the account of businessman immediately, but be introduced into account corresponding to transaction platform, and businessman needs
The expense of buyer's payment can be just received after waiting for a period of time.This charge method, do not influenceed for buyer, and businessman is not
Expense can be obtained in time, and adds the exploitation maintenance management cost of transaction platform developer.
The content of the invention
The main object of the present invention is to provide a kind of third party's charging method and device, it is intended to solves prior art payment collector
Formula prevents the problem of businessman from obtaining expense in time.
To achieve the above object, the present invention provides a kind of third party's charging method, third party's charging method include with
Lower step：
After transaction platform receives the payment request of user terminal transmission, detection pays target charge account corresponding to request
Whether third party is supported to charge；
When target charge account supports third party's charge, the payment configuration information of invocation target charging account is propped up with obtaining
Pay the payment serial number of the corresponding order to be paid of request；
According to the payment control for paying serial number calling user terminal, sent just when receiving user terminal based on payment control
After true payment information, by the reimbursement of expense of order to be paid into target charge account.
Preferably, when target charge account supports third party's charge, it is third party's account to judge the target charge account
Family type,
After the payment request for receiving that user terminal is sent in transaction platform, detection pays target charge corresponding to request
Include before the step of whether account supports third party to charge：
When receiving configuration-direct, configured to belonging to the payment of charging account of third party's Account Type in transaction platform
Information is configured, and the configuration information that pays includes key, certificate and the ID of charging account.
Preferably, described after transaction platform receives the payment request of user terminal transmission, detection is paid corresponding to request
The step of whether target charge account supports third party to charge includes：
After transaction platform receives the payment request of user terminal transmission, detection pays target charge account corresponding to request
Key, certificate and ID it is whether identical with the key of configuration information, certificate and ID is paid；
It is if identical, it is determined that charging account supports third party's charge, if differing, it is determined that charging account does not support the 3rd
Side's charge.
Preferably, it is described when receiving configuration-direct, the charge account to belonging to third party's Account Type in transaction platform
Include after the step of payment configuration information at family is configured：
After binding instruction is received, the charging account of wechat, Alipay and Unionpay and third party's Account Type is entered
Row binding.
Preferably, it is described after the correct payment information of user terminal transmission is received based on payment control, ordered to be paid
Single reimbursement of expense includes to the step in target charge account：
When payment control receives payment information, judge whether payment information is correct；
When payment information is correct, by the reimbursement of expense of order to be paid into target charge account, and exports and paid
Into prompt message；
When payment information is incorrect, the prompt message of payment information mistake is exported.
In addition, to achieve the above object, the present invention also proposes a kind of third party's charging device, third party's charging device
Including：
Detection module, after the payment request for receiving user terminal transmission in transaction platform, it is corresponding that detection pays request
Target charge account whether support third party to charge；
Calling module, for when target charge account supports third party's charge, the payment of invocation target charging account to be matched somebody with somebody
Confidence breath pays the payment serial number of the corresponding order to be paid of request to obtain；
Payment module, for according to the payment control for paying serial number calling user terminal, being received when based on payment control
After the correct payment information that user terminal is sent, by the reimbursement of expense of order to be paid into target charge account.
Preferably, when target charge account supports third party's charge, it is third party's account to judge the target charge account
Family type,
Third party's charging device also includes：
Configuration module, for when receiving configuration-direct, the charge to belonging to third party's Account Type in transaction platform
The payment configuration information of account is configured, and the configuration information that pays includes key, certificate and the ID of charging account.
Preferably, the detection module includes：
Detection unit, after the payment request for receiving user terminal transmission in transaction platform, it is corresponding that detection pays request
Target charge account key, certificate and ID it is whether identical with the key of configuration information, certificate and ID is paid；
Determining unit, for paying key, certificate and the ID of target charge account corresponding to request and paying configuration
When the key of information, certificate and ID identical, it is determined that charging account supports third party's charge, is paying target corresponding to request
When key, certificate and the ID of charging account and key, certificate and the ID of payment configuration information are differed, it is determined that charge account
Third party is not supported to charge in family.
Preferably, third party's charging device also includes：
Binding module, for receive binding instruction after, by wechat, Alipay and Unionpay and third party's Account Type
Charging account bound.
Preferably, the payment module includes：
Judging unit, for when payment control receives payment information, judging whether payment information is correct；
Payment unit, for when payment information is correct, by the reimbursement of expense of order to be paid into target charge account,
And export the prompt message for paying and completing；
Output unit, for when payment information is incorrect, exporting the prompt message of payment information mistake.
Third party's charging method of the present invention, after transaction platform receives the payment request of user terminal transmission, detection branch
Whether target charge account corresponding to paying request supports third party to charge；When target charge account supports third party's charge, adjust
With the payment configuration information of target charge account the payment serial number for asking corresponding order to be paid is paid to obtain；According to payment
Serial number calls the payment control of user terminal, will after the correct payment information of user terminal transmission is received based on payment control
The reimbursement of expense of order to be paid is into target charge account.This programme receives payment request in transaction platform and detects branch
When paying target charge account support third party's charge corresponding to request, by the target charge account of expense direct payment to businessman
In, businessman is obtained expense in time.Expense without the transaction platform where businessman, open by the maintenance that can reduce transaction platform simultaneously
Management cost is sent out, businessman is also reduced accordingly to the cost that transaction platform is paid.So as to which businessman has enough fund offers higher
The commodity of quality or service, promote the development in market.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of third party's charging method first embodiment of the present invention；
Fig. 2 is the schematic flow sheet of third party's charging method second embodiment of the present invention；
Fig. 3 is the schematic flow sheet of third party's charging method 3rd embodiment of the present invention；
Fig. 4 is the high-level schematic functional block diagram of third party's charging device first embodiment of the present invention；
Fig. 5 is the high-level schematic functional block diagram of third party's charging device second embodiment of the present invention；
Fig. 6 is the refinement high-level schematic functional block diagram of the detection module of third party's charging device 3rd embodiment of the present invention；
Fig. 7 is the high-level schematic functional block diagram of third party's charging device fourth embodiment of the present invention；
Fig. 8 is the refinement high-level schematic functional block diagram of the payment module of the embodiment of third party's charging device the 5th of the present invention.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
A kind of third party's charging method of present invention offer, reference picture 1, in the first embodiment, third party's charging method
Including：
Step S10, after transaction platform receives the payment request of user terminal transmission, detection pays target corresponding to request
Whether charging account supports third party to charge；
Third party's charging method provided by the invention, suitable for collecting for transaction platform expense, businessman goes out in transaction platform
Commodity are sold, buyer selects the commodity of needs in transaction platform and carries out reimbursement of expense, and collecting account is received to the expense of payment
Money.Collecting account is divided into third party's account and transaction platform account, and third party's account is in addition to transaction platform account, is gone out
The Merchant Account of commodity is sold, transaction platform account is corresponding to provide the transaction platform of businessman's vending articles and buyer's purchase commodity
Account.When transaction platform receives the payment request of user terminal transmission, detect this and pay target charge account corresponding to request
Whether third party is supported to charge in family.Specifically, in the embodiment of an of the invention parking fee collective system, the parking lot owner wish by
For Parking Fee direct payment into the account of the parking lot owner, the charge method with this parking lot owner's account is the 3rd
Side's charge.The parking stall that the car owner that having parking needs can carry out this parking lot in advance makes a reservation for, and can also be directly entered parking lot
Parking.When car owner's progress pre- timing in parking stall, reimbursement of expense is carried out after choosing parking stall and parking duration；When car owner is direct
Roll behind parking lot reimbursement of expense in selection line after into Parking away from；Receive this pay request after, then detection and this
Whether target charge account corresponding to paying request supports third party to charge, and so as to parking lot, the owner directly collects the charges.
Step S20, when target charge account supports third party's charge, the payment configuration information of invocation target charging account
To obtain the payment serial number for paying the corresponding order to be paid of request；
Further, when detecting that target charge account supports third party's charge, the payment of invocation target charging account
Configuration information, generation pay the counterpart expenditure serial number of the corresponding order to be paid of request, i.e. TN, and reply and pay serial number to business
This payment serial number is returned to transaction platform by family backstage, businessman backstage.It is that charging account is matched somebody with somebody wherein to pay configuration information
Put, the information such as the private key of collecting account, public key, certificate and account ID are configured, to realize that third party charges；Flow of payments
Water number is numbered caused by transaction, by the payment serial number of each disengaging fund, is managed and is inquired about to keeping accounts.
In the embodiment in parking lot, when target charge account supports third party's charge of the parking lot owner, parking lot is called to own
Configuration information is paid corresponding to the target charge account of person, the payment flowing water of the corresponding order to be paid of request is paid with acquisition request
Number.
Step S30, according to the payment control for paying serial number calling user terminal, user terminal is received when opportunity pays control
After the correct payment information sent, by the reimbursement of expense of order to be paid into target charge account.
Further, will be paid on businessman backstage after serial number returns to transaction platform, transaction platform passes through flow of payments
Water number, call the payment control of user terminal.Control is paid to be used to ensure that the cell-phone customer terminal of cooperation trade company or mobile phone web site carry
For safely and conveniently payment services.Control is paid at present supports two platforms of Android and ios.It is called paying control
Afterwards, means of payment selection interface is shown, the options for having the selection means of payment in means of payment selection interface, wherein available
The means of payment have wechat, Alipay, Unionpay etc..Different payment interfaces is entered according to the selection of user, selects wechat branch
Enter payment interface after paying, the payment password of wechat is inputted in payment interface, you can paid the bill using the change in wechat；
Likewise, entering payment interface after selecting Alipay to pay, the payment password of Alipay is inputted in payment interface, you can make
Paid the bill with the remaining sum in Alipay；And paid for Unionpay, as long as the bank card for having Unionpay to identify can be carried out this
Pay, after selecting Unionpay to pay, after the specific bank card of reselection, enter bank card payment interface, bank card payment interface
In have the input frames such as bank card number, cell-phone number, password and identifying code, inputted in input frame corresponding information i.e. can be used
The amount of money in bank card is paid the bill.Specifically, when payment control receives the payment disbursement letter such as password or card number, identifying code
After breath, the correctness of this payment information is detected, only when payment information is correct, is just paid, charging account could be charged
Operation, the reimbursement of expense of order to be paid is into target charge account.
Third party's charging method of the present embodiment includes：After transaction platform receives the payment request of user terminal transmission,
Whether target charge account corresponding to detection payment request supports third party to charge；When target charge account supports third party's charge
When, the payment configuration information of invocation target charging account pays the payment serial number for asking corresponding order to be paid to obtain；Root
According to the payment control for paying serial number calling user terminal, when the correct payment information that user terminal transmission is received based on payment control
Afterwards, by the reimbursement of expense of order to be paid into target charge account.In one embodiment of this invention, parking lot A's is all
Person B signs an agreement with the owner D of the transaction platform C where the A of parking lot, for any car owner stopped using parking lot A, branch
The Parking Fee paid all is directly entered owner B account, and without owner D account.When car owner pays on line,
Transaction platform C receives payment request, and whether detection target charge account corresponding with paying request supports owner B to charge,
When supporting owner B charges, then the payment configuration information of owner's B accounts is called to obtain the payment of car owner's order to be paid
Serial number, so that according to serial number calling payment control is paid, car owner selects the means of payment in control is paid, and inputs payer
Payment information corresponding to formula, the correctness of control detection payment information is paid, after detecting that payment information is correct, by car owner's branch
The Parking Fee paid is paid into owner B account.This programme receives payment request in transaction platform and asked with paying
When corresponding target charge account supports third party's charge, by the target charge account of expense direct payment to businessman, without
By the transaction platform where businessman, businessman is obtained expense in time, while reduce the Maintenance Development cost of transaction platform.
Further, Fig. 2 is refer to, on the basis of third party's charging method first embodiment of the present invention, proposes the 3rd
The second embodiment of square charging method, in a second embodiment, when target charge account supports third party's charge, described in judgement
Target charge account is third party's Account Type, described after transaction platform receives the payment request of user terminal transmission, detection
Include before the step of whether target charge account corresponding to paying request supports third party to charge：
Step S40, when receiving configuration-direct, the charging account to belonging to third party Account Type in transaction platform
Pay configuration information to be configured, the configuration information that pays includes key, certificate and the ID of charging account.
In the solution of the present invention, the target charge account for supporting third party's charge is determined as third party's Account Type.For
Businessman is set to directly obtain payment expense, it is necessary to which the charging account that the account of businessman is belonged to third party's Account Type is matched somebody with somebody
Put.Specifically, after configuration-direct is received, output configuration guidance information, with according to configuration guidance information by charging account
Pay configuration information to be added in the allocation list of payment services, the payment configuration information to charging account configures.
Wherein paying configuration information includes key, certificate and the ID of charging account.Key is a kind of parameter, and it is bright
Text is converted to the parameter inputted in ciphertext or the algorithm for converting ciphertext into plaintext.Key be divided into symmetric key with it is asymmetric close
Key.Symmetric key encryption, also known as private key encryption or session key algorithm, the i.e. sender of information and recipient are with same
Key goes encrypting and decrypting data.Enciphering/deciphering speed is fast, is suitable for that big data quantity is encrypted, but cipher key management difficult.It is non-
Symmetric key encryption systems, also known as public-key cryptographic keys are encrypted.Encrypt and decrypt operation is respectively completed using different keys, in reality
In the application on border, generally symmetric key and unsymmetrical key are used in conjunction with, symmetric key encryption systems are used to store
Mass data information, and Public Key Cryptographic Systems is then used for encryption key.Certificate can be regarded as when carrying out online transaction
Identity card, or perhaps private key, certificate are unique, are different from the certificate of any other people, are for unique
Confirm the instrument of secure e-business counterparty's identity.Holder's certificate is a kind of electronic representation of debit card, and businessman's numeral is demonstrate,proved
Book serves to demonstrate how the identity and it and gathering row relation of businessman, illustrates that the businessman can receive the payment of debit card.By
It is that digital signature has been done by Certificate Authority in certificate, any third party can not change the content of certificate.Any online business
Only apply arriving trade company's digital certificate, the online transaction of secure e-business could be participated in, commodity or the offer of oneself are provided in shop
Service.Merchant ID is that Net silver online merchants management system distributes a corresponding virtual account to businessman automatically, it can be understood as
One independent bank account.Merchant ID generates when registering.After having virtual ID account, the consumer related to businessman orders
Single cross is easily, businessman is withdrawn deposit, the transaction such as account transfer is operated in Net silver virtual account between businessman and businessman.
This programme is by the way that the key of charging account, certificate and ID are added in the allocation list of payment services, so as to really
Protect in account corresponding to the arrival Merchant ID of the expense safety paid, realize expense direct payment into Merchant Account.
Further, described in step S10 after transaction platform receives the payment request of user terminal transmission, detection is paid please
The step of whether target charge account corresponding to asking supports third party to charge includes：
Step S11, after transaction platform receives the payment request of user terminal transmission, detection pays target corresponding to request
Whether key, certificate and the ID of charging account are identical with the key, certificate and ID for paying configuration information；
Step S12, if identical, it is determined that charging account supports third party's charge, if differing, it is determined that charging account is not
Support third party's charge.
Understandably, third party's charge is supported to be determined by configuring the key, certificate and ID of charging account.Merchandising
After platform receives payment request, detection pays the key of target charge account corresponding to request, certificate and ID whether and match somebody with somebody
The key put, certificate and ID are identical, if identical, it is determined that this charging account supports third party's charge, if it is not the same, then
Determine that this charging account does not support third party to charge.Specifically, key a, certificate b and IDc are added to payment services by businessman X
Allocation list in, when receive pay request when, the key that detects charging account is a, certificate is b and ID is c, then can be true
It is account corresponding to businessman X to determine charging account, supports businessman X charges.And when detect charging account key be m, certificate n
And ID is o, then it is not account corresponding to businessman X to illustrate charging account, does not support businessman X to charge.By paying configuration information
Key, certificate and ID contrasted by determine whether support third party charge in a manner of, because of key, certificate and ID only
One property and privacy, so that comparing result is accurate, reliability is high.
Further, Fig. 3 is refer to, on the basis of third party's charging method second embodiment of the present invention, proposes the 3rd
The 3rd embodiment of square charging method, it is in the third embodiment, described when receiving configuration-direct, to belonging in transaction platform
Include after the step of payment configuration information of the charging account of third party's Account Type is configured：
Step S50, after binding instruction is received, by wechat, Alipay and Unionpay and the receipts of third party's Account Type
Expense account is bound.
Further, the key of the charging account of third party's Account Type, certificate and ID are added to payment services
After in allocation list, it is also necessary to by the means of payment such as wechat, Alipay and Unionpay and the charging account of third party's Account Type
Bound, with the expense reimbursement of expense that either Unionpay pays for being accomplished by the expense of wechat payment, Alipay is paid
Into third party's account.Third party's account is set to support diversified payment, the selectivity of user is more, meets the different need of user
Ask.
Further, will described in step S30 after the correct payment information of user terminal transmission is received based on payment control
The reimbursement of expense of order to be paid includes to the step in target charge account：
Step S31, when payment control receives payment information, judge whether payment information is correct；
Step S32, when payment information is correct, by the reimbursement of expense of order to be paid into target charge account, and it is defeated
Go out to pay the prompt message completed；
Step S33, when payment information is incorrect, export the prompt message of payment information mistake.
In the present invention program, when payment control receives payment information, the correctness of payment information is judged.Its
Middle payment information includes payment cipher, user bank card number, subscriber phone number and identifying code.Specifically, when user selects
When wechat is paid, then wechat payment interface is jumped to, after correct wechat payment cipher is received, by taking for order to be paid
With payment into target charge account.When user selects Alipay to pay, then Alipay payment interface is jumped to, is being received
After correct Alipay payment cipher, by the reimbursement of expense of order to be paid into target charge account.When user selects Unionpay
During payment, after guiding user selects specific bank, receiving correct bank's card number, payment cipher, phone number and
After identifying code, by the reimbursement of expense of order to be paid into target charge account.After reimbursement of expense is into target charge account,
Output pays successful prompt message.And when judging that payment information is incorrect, export the prompt message of payment information mistake.
Prompt message can display reminding or voice message by way of showing dialog box.Wherein in payment information mistake
Prompt message after, guiding user re-enters payment information, while in the payment information for judging continuously to input several times not just
When true, the output same day can not carry out the prompt message paid with this means of payment again, to ensure the security of third party's account.
In addition, the present invention also provides a kind of third party's charging device, reference picture 4, in the first embodiment, the present invention propose
Third party's charging device include：
Detection module 10, after the payment request for receiving user terminal transmission in transaction platform, detection pays request pair
Whether the target charge account answered supports third party to charge；
Third party's charging device provided by the invention, suitable for collecting for transaction platform expense, businessman goes out in transaction platform
Commodity are sold, buyer selects the commodity of needs in transaction platform and carries out reimbursement of expense, and collecting account is received to the expense of payment
Money.Collecting account is divided into third party's account and transaction platform account, and third party's account is in addition to transaction platform account, is gone out
The Merchant Account of commodity is sold, transaction platform account is corresponding to provide the transaction platform of businessman's vending articles and buyer's purchase commodity
Account.When transaction platform receives the payment request of user terminal transmission, detection module 10 detects this and paid corresponding to request
Whether target charge account supports third party to charge.Specifically, in the embodiment of a parking fee collective system of the invention, parking facility
The person of having is wished in the account of Parking Fee direct payment to the parking lot owner, with the payment collector of this parking lot owner's account
Formula is third party's charge.The parking stall that the car owner that having parking needs can carry out this parking lot in advance makes a reservation for, can also be direct
Into Parking.When car owner's progress pre- timing in parking stall, reimbursement of expense is carried out after choosing parking stall and parking duration；
When rolling behind parking lot reimbursement of expense in selection line after car owner is directly entered Parking away from；After receiving this and paying request,
Then whether detection target charge account corresponding with this payment request supports third party to charge, and so as to parking lot, the owner directly receives
Take expense.
Calling module 20, calling module, for when target charge account support third party charge when, invocation target charge account
The payment configuration information at family pays the payment serial number of the corresponding order to be paid of request to obtain；
Further, when detecting that target charge account supports third party's charge, the charge of the invocation target of calling module 20
The payment configuration information of account, generation pays the counterpart expenditure serial number of the corresponding order to be paid of request, i.e. TN, and replys payment
This payment serial number is returned to transaction platform by serial number to businessman backstage, businessman backstage.It is to receiving wherein to pay configuration information
Take the configuration of account, the information such as the private key of collecting account, public key, certificate and account ID are configured, to realize third party
Charge；Paying serial number is numbered caused by transaction, and by the payment serial number of each disengaging fund, pipe is carried out to keeping accounts
Reason and inquiry.In the embodiment in parking lot, when target charge account supports third party's charge of the parking lot owner, call
Configuration information is paid corresponding to the target charge account of the parking lot owner, the corresponding order to be paid of request is paid with acquisition request
Payment serial number.
Payment module 30, for according to the payment control for paying serial number calling user terminal, being received when based on payment control
After the correct payment information sent to user terminal, by the reimbursement of expense of order to be paid into target charge account.
Further, will be paid on businessman backstage after serial number returns to transaction platform, transaction platform passes through flow of payments
Water number, call the payment control of user terminal.Control is paid to be used to ensure that the cell-phone customer terminal of cooperation trade company or mobile phone web site carry
For safely and conveniently payment services.Control is paid at present supports two platforms of Android and ios.It is called paying control
Afterwards, means of payment selection interface is shown, the options for having the selection means of payment in means of payment selection interface, wherein available
The means of payment have wechat, Alipay, Unionpay etc..Different payment interfaces is entered according to the selection of user, selects wechat branch
Enter payment interface after paying, the payment password of wechat is inputted in payment interface, you can paid the bill using the change in wechat；
Likewise, entering payment interface after selecting Alipay to pay, the payment password of Alipay is inputted in payment interface, you can make
Paid the bill with the remaining sum in Alipay；And paid for Unionpay, as long as the bank card for having Unionpay to identify can be carried out this
Pay, after selecting Unionpay to pay, after the specific bank card of reselection, enter bank card payment interface, bank card payment interface
In have the input frames such as bank card number, cell-phone number, password and identifying code, inputted in input frame corresponding information i.e. can be used
The amount of money in bank card is paid the bill.Specifically, when payment control receives the payment disbursement letter such as password or card number, identifying code
After breath, the correctness of this payment information is detected, only when payment information is correct, payment module 30 is just paid, and charging account is
Charge operation can be carried out, the reimbursement of expense of order to be paid is into target charge account.
Third party's charging device of the present embodiment includes：Detection module 10, for receiving user terminal hair in transaction platform
After the payment request sent, whether target charge account corresponding to detection payment request supports third party to charge；Calling module 20, use
In when target charge account supports third party's charge, the payment configuration information of invocation target charging account pays request to obtain
The payment serial number of corresponding order to be paid；Payment module 30, for calling the payment control of user terminal according to payment serial number,
After the correct payment information of user terminal transmission is received based on payment control, the reimbursement of expense of order to be paid to target is received
Take in account.In one embodiment of this invention, parking lot A owner B is with all of the transaction platform C where the A of parking lot
Person D signs an agreement, and for any car owner stopped using parking lot A, the Parking Fee of payment is all directly entered owner B account
Family, and without owner D account.When car owner pays on line, transaction platform C receives payment request, detection and branch
Whether target charge account corresponding to paying request supports owner B to charge, and when supporting owner B charges, then calls owner B
The payment configuration information of account pays control to obtain the payment serial number of car owner's order to be paid, to be called according to payment serial number
Part, car owner selects the means of payment in control is paid, and inputs payment information corresponding to the means of payment, pays control detection and pays
The correctness of information, after detecting that payment information is correct, the Parking Fee that car owner is paid pays the account to owner B
In.This programme receives payment request in transaction platform and target charge account corresponding with paying request supports third party's charge
When, by the target charge account of expense direct payment to businessman, and without the transaction platform where businessman, make businessman timely
Acquisition expense, while reduce the Maintenance Development cost of transaction platform.
Further, reference picture 5, based on third party's charging device first embodiment of the present invention, in third party of the present invention
In the second embodiment of charging device, when target charge account supports third party's charge, judge that the target charge account is
Third party's Account Type,
Third party's charging device also includes：
Configuration module 40, for when receiving configuration-direct, the receipts to belonging to third party's Account Type in transaction platform
The payment configuration information of expense account is configured, and the configuration information that pays includes key, certificate and the ID of charging account.
In the solution of the present invention, the target charge account for supporting third party's charge is determined as third party's Account Type.For
Businessman is set to directly obtain payment expense, it is necessary to which the charging account that the account of businessman is belonged to third party's Account Type is matched somebody with somebody
Put.Specifically, after configuration-direct is received, the output configuration guidance information of configuration module 40, to be incited somebody to action according to configuration guidance information
The payment configuration information of charging account is added in the allocation list of payment services, and the payment configuration information to charging account is matched somebody with somebody
Put.
Wherein paying configuration information includes key, certificate and the ID of charging account.Key is a kind of parameter, and it is bright
Text is converted to the parameter inputted in ciphertext or the algorithm for converting ciphertext into plaintext.Key be divided into symmetric key with it is asymmetric close
Key.Symmetric key encryption, also known as private key encryption or session key algorithm, the i.e. sender of information and recipient are with same
Key goes encrypting and decrypting data.Enciphering/deciphering speed is fast, is suitable for that big data quantity is encrypted, but cipher key management difficult.It is non-
Symmetric key encryption systems, also known as public-key cryptographic keys are encrypted.Encrypt and decrypt operation is respectively completed using different keys, in reality
In the application on border, generally symmetric key and unsymmetrical key are used in conjunction with, symmetric key encryption systems are used to store
Mass data information, and Public Key Cryptographic Systems is then used for encryption key.Certificate can be regarded as when carrying out online transaction
Identity card, or perhaps private key, certificate are unique, are different from the certificate of any other people, are for unique
Confirm the instrument of secure e-business counterparty's identity.Holder's certificate is a kind of electronic representation of debit card, and businessman's numeral is demonstrate,proved
Book serves to demonstrate how the identity and it and gathering row relation of businessman, illustrates that the businessman can receive the payment of debit card.By
It is that digital signature has been done by Certificate Authority in certificate, any third party can not change the content of certificate.Any online business
Only apply arriving trade company's digital certificate, the online transaction of secure e-business could be participated in, commodity or the offer of oneself are provided in shop
Service.Merchant ID is that Net silver online merchants management system distributes a corresponding virtual account to businessman automatically, it can be understood as
One independent bank account.Merchant ID generates when registering.After having virtual ID account, the consumer related to businessman orders
Single cross is easily, businessman is withdrawn deposit, the transaction such as account transfer is operated in Net silver virtual account between businessman and businessman.
This programme is by the way that the key of charging account, certificate and ID are added in the allocation list of payment services, so as to really
Protect in account corresponding to the arrival Merchant ID of the expense safety paid, realize expense direct payment into Merchant Account.
Further, reference picture 6, based on third party's charging device second embodiment of the present invention, in third party of the present invention
In the 3rd embodiment of charging device, the detection module 10 includes：
Detection unit 11, after the payment request for receiving user terminal transmission in transaction platform, detection pays request pair
Whether key, certificate and the ID for the target charge account answered are identical with the key, certificate and ID for paying configuration information；
Determining unit 12, for matching somebody with somebody in key, certificate and the ID of target charge account and payment corresponding to payment request
When key, certificate and ID identical that confidence ceases, it is determined that charging account supports third party's charge, is paying mesh corresponding to request
When the key, certificate and the ID that mark charging account and the key, certificate and the ID that pay configuration information are differed, it is determined that charge
Account does not support third party to charge.
Understandably, third party's charge is supported to be determined by configuring the key, certificate and ID of charging account.Merchandising
Platform receive payment request after, detection unit 11 detection pay request corresponding to target charge account key, certificate and
ID whether the key with configuration, certificate and ID are identical, if identical, it is determined that unit 12 determine this charging account support the 3rd
Side's charge, if it is not the same, then determining that this charging account does not support third party to charge.Specifically, businessman X is by key a, certificate b
And IDc is added in the allocation list of payment services, when receiving payment request, the key for detecting charging account is a, demonstrate,proved
Book is b and ID is c, then can determine that charging account is account corresponding to businessman X, supports businessman X charges.And work as and detect to charge
The key of account is m, certificate is n and ID is o, then it is not account corresponding to businessman X to illustrate charging account, does not support businessman X
Charge.Key, certificate and ID paying configuration information are contrasted in a manner of determining whether to support third party's charge,
Because of key, certificate and ID uniqueness and privacy, so that comparing result is accurate, reliability is high.
Further, reference picture 7, based on third party's charging device 3rd embodiment of the present invention, in third party of the present invention
In the fourth embodiment of charging device, third party's charging device also includes：
Binding module 50, for receive binding instruction after, by wechat, Alipay and Unionpay and third party's account class
The charging account of type is bound.
Further, the key of the charging account of third party's Account Type, certificate and ID are added to payment services
After in allocation list, it is also necessary to which binding module 50 is by the means of payment such as wechat, Alipay and Unionpay and third party's Account Type
Charging account bound, be accomplished by wechat payment expense, Alipay pay expense either Unionpay pay
Reimbursement of expense into third party's account.Third party's account is set to support diversified payment, the selectivity of user is more, meets user
Different demands.
Further, reference picture 8, based on third party's charging device fourth embodiment of the present invention, in third party of the present invention
In 5th embodiment of charging device, the payment module 30 includes：
Judging unit 31, for when payment control receives payment information, judging whether payment information is correct；
Payment unit 32, for when payment information is correct, by the reimbursement of expense of order to be paid to target charge account
In, and export the prompt message for paying and completing；
Output unit 33, for when payment information is incorrect, exporting the prompt message of payment information mistake.
In the present invention program, when payment control receives payment information, correctness of the judging unit 31 to payment information
Judged.Wherein payment information includes payment cipher, user bank card number, subscriber phone number and identifying code.Specifically,
When user selects wechat to pay, then wechat payment interface is jumped to, after correct wechat payment cipher is received, paying bill
Member 32 is by the reimbursement of expense of order to be paid into target charge account.When user selects Alipay to pay, then branch is jumped to
Precious payment interface is paid, after correct Alipay payment cipher is received, payment unit 32 is by the reimbursement of expense of order to be paid
Into target charge account.When user selects Unionpay to pay, after guiding user selects specific bank, receiving correctly
Bank's card number, after payment cipher, phone number and identifying code, payment unit 32 is by the reimbursement of expense of order to be paid to target
In charging account.After reimbursement of expense is into target charge account, output pays successful prompt message.And work as and judge to pay
When information is incorrect, output unit 33 exports the prompt message of payment information mistake.Prompt message can be by showing dialog box
Mode display reminding or voice message.Wherein after the prompt message of payment information mistake, guiding user is again defeated
Enter payment information, while when the payment information for judging continuously to input several times is incorrect, the output same day can not carry out using this again
The prompt message that the means of payment is paid, to ensure the security of third party's account.
The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the scope of the invention, it is every at this
Under the design of invention, the equivalent structure transformation made using description of the invention and accompanying drawing content, or directly/it is used in indirectly
He is included in the scope of patent protection of the present invention related technical field.
Claims (10)
1. a kind of third party's charging method, it is characterised in that third party's charging method comprises the following steps：
After transaction platform receives the payment request of user terminal transmission, whether detection pays target charge account corresponding to request
Support third party's charge；
When target charge account supports third party's charge, the payment configuration information of invocation target charging account is asked with obtaining to pay
Seek the payment serial number of corresponding order to be paid；
According to the payment control for paying serial number calling user terminal, when the correct branch that user terminal transmission is received based on payment control
After paying information, by the reimbursement of expense of order to be paid into target charge account.
2. third party's charging method as claimed in claim 1, it is characterised in that when target charge account supports third party's charge
When, it is third party's Account Type to judge the target charge account,
After the payment request for receiving that user terminal is sent in transaction platform, detection pays target charge account corresponding to request
Include before the step of whether supporting third party to charge：
When receiving configuration-direct, the payment configuration information of the charging account to belonging to third party's Account Type in transaction platform
Configured, the configuration information that pays includes key, certificate and the ID of charging account.
3. third party's charging method as claimed in claim 2, it is characterised in that described to receive user terminal hair in transaction platform
After the payment request sent, detect that the step of whether target charge account corresponding to paying request supports third party to charge includes：
After transaction platform receives the payment request of user terminal transmission, detection pays the close of target charge account corresponding to request
Whether key, certificate and ID are identical with the key, certificate and ID for paying configuration information；
It is if identical, it is determined that charging account supports third party's charge, if differing, it is determined that charging account does not support third party to receive
Take.
4. third party's charging method as claimed in claim 2, it is characterised in that it is described when receiving configuration-direct, to handing over
Include after the step of payment configuration information for the charging account for belonging to third party's Account Type in easy platform is configured：
After binding instruction is received, the charging account of wechat, Alipay and Unionpay and third party's Account Type is tied up
It is fixed.
5. third party's charging method as described in claim any one of 1-4, it is characterised in that described to be connect when based on payment control
After the correct payment information for receiving user terminal transmission, by the reimbursement of expense of order to be paid to the step bag in target charge account
Include：
When payment control receives payment information, judge whether payment information is correct；
When payment information is correct, by the reimbursement of expense of order to be paid into target charge account, and exports and pay what is completed
Prompt message；
When payment information is incorrect, the prompt message of payment information mistake is exported.
6. a kind of third party's charging device, it is characterised in that third party's charging device includes：
Detection module, after the payment request for receiving user terminal transmission in transaction platform, detection pays mesh corresponding to request
Whether mark charging account supports third party to charge；
Calling module, for when target charge account supports third party's charge, confidence to be matched somebody with somebody in the payment of invocation target charging account
Breath pays the payment serial number of the corresponding order to be paid of request to obtain；
Payment module, for according to pay serial number call user terminal payment control, when based on pay control receive user
After holding the correct payment information sent, by the reimbursement of expense of order to be paid into target charge account.
7. third party's charging device as claimed in claim 6, it is characterised in that when target charge account supports third party's charge
When, it is third party's Account Type to judge the target charge account,
Third party's charging device also includes：
Configuration module, for when receiving configuration-direct, the charging account to belonging to third party's Account Type in transaction platform
Payment configuration information configured, the configuration information that pays includes key, certificate and the ID of charging account.
8. third party's charging device as claimed in claim 7, it is characterised in that the detection module includes：
Detection unit, after the payment request for receiving user terminal transmission in transaction platform, detection pays mesh corresponding to request
Whether key, certificate and the ID for marking charging account are identical with the key, certificate and ID for paying configuration information；
Determining unit, for paying key, certificate and the ID of target charge account corresponding to request and paying configuration information
Key, certificate and during ID identical, it is determined that charging account supports third party's charge, is paying target charge corresponding to request
When key, certificate and the ID of account and key, certificate and the ID of payment configuration information are differed, it is determined that charging account is not
Support third party's charge.
9. third party's charging device as claimed in claim 7, it is characterised in that third party's charging device also includes：
Binding module, for receive binding instruction after, by wechat, Alipay and Unionpay and the receipts of third party's Account Type
Expense account is bound.
10. third party's charging device as described in claim any one of 6-9, it is characterised in that the payment module includes：
Judging unit, for when payment control receives payment information, judging whether payment information is correct；
Payment unit, for when payment information is correct, by the reimbursement of expense of order to be paid into target charge account, and it is defeated
Go out to pay the prompt message completed；
Output unit, for when payment information is incorrect, exporting the prompt message of payment information mistake.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710040251.6A CN107705104A (en) | 2017-01-19 | 2017-01-19 | Third party's charging method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710040251.6A CN107705104A (en) | 2017-01-19 | 2017-01-19 | Third party's charging method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107705104A true CN107705104A (en) | 2018-02-16 |
Family
ID=61169445
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710040251.6A Pending CN107705104A (en) | 2017-01-19 | 2017-01-19 | Third party's charging method and device |
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| Country | Link |
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| CN (1) | CN107705104A (en) |
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