CN107705130B - Online payment method - Google Patents

Online payment method Download PDF

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Publication number
CN107705130B
CN107705130B CN201711032931.XA CN201711032931A CN107705130B CN 107705130 B CN107705130 B CN 107705130B CN 201711032931 A CN201711032931 A CN 201711032931A CN 107705130 B CN107705130 B CN 107705130B
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payment
user
verification code
account
dynamic
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CN107705130A (en
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李春娟
包正堂
陈磊
姜洪亮
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Sunke Sungoin Technology Jiangsu Co ltd
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Sunke Sungoin Technology Jiangsu Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • 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
    • 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

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (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 provides an online payment method, which is characterized by comprising the following steps: s1: entering a payment page through an online payment tool, wherein at least an amount due is displayed on the payment page, and a first confirmation button; s2: after pressing a first confirmation button, a user enters a payment account selection page, and at least a plurality of selectable accounts, available balances of all accounts and a second confirmation button are displayed on the payment account selection page; s3: the user selects an account, presses a second confirmation button and enters a verification page; s4: displaying different types of verification codes to a user to prompt the user to input a dynamic payment password, judging whether the dynamic payment password input by the user is correct, if so, allowing payment, otherwise, disallowing payment, and prompting the user that the payment fails. The invention can enable the user to obtain the available balance of the bank card before payment and can realize the purpose of safe payment.

Description

Online payment method
Technical Field
The invention belongs to the field of secure payment application communication, and particularly relates to an online payment method.
Background
In modern life, people increasingly use the internet for online consumption, and the transaction mode in the internet is also diversified. With the development of society, including the development of communication technology, the development of intelligent terminals, the development of logistics and the change of consumption consciousness of people, people can almost realize online shopping of any article at any time and any place. For example, we purchase clothes and furniture on the internet in Taobao or Jingdong, we can purchase fresh vegetables through various APPs, we can order cars, taxis, special cars, express buses and the like through dropping or excellent walking networks. We can pay by credit card, by treasured, by WeChat, etc.
When the payment bank and the WeChat payment are used, a certain amount of funds can be pre-stored in the wallet of the payment bank account number and the WeChat account number to realize quick payment, and an online bank payment function can be used instead of pre-storing or transferring the funds in the payment bank account number, namely online electronic payment is carried out by using an online bank opened by a bank card. When online electronic payment is carried out by using an online bank, or funds in a bank card bound by a WeChat account are recharged to a wallet of the WeChat account, because a user does not know the current available balance of the used bank card in advance, when the amount of money to be paid or recharged exceeds the available balance of the bank card, the situation of failure of payment or recharging can occur, the shopping consumption of the user can be influenced, even an embarrassing situation is caused, and poor experience is brought to the user.
Meanwhile, when the payment bank is used for online payment, the existing verification method comprises the steps of inputting a bank card number, inserting a U shield and inputting a password for payment. When the wallet of the WeChat account is charged, only a payment password needs to be input. However, the existing verification mode not only needs to perform more information interaction with the server, but also has low security, and can impersonate payment by stealing account numbers and passwords or counterfeiting and other modes.
Therefore, there is a need to provide a new online payment method, which allows the user to know the available balance of the bank card before payment and to achieve the purpose of secure payment.
Disclosure of Invention
The invention aims to provide an online payment method, and aims to solve the problem that a user cannot acquire the available balance of a bank card before payment in the prior art, and achieve the purpose of safe payment.
In order to achieve the above object, the present invention provides an online payment method, including:
s1: entering a payment page through an online payment tool, wherein at least an amount due is displayed on the payment page, and a first confirmation button;
s2: after pressing a first confirmation button, a user enters a payment account selection page, and at least a plurality of selectable accounts, available balances of all accounts and a second confirmation button are displayed on the payment account selection page;
s3: the user selects an account, presses a second confirmation button and enters a verification page;
s4: and displaying a specific type of verification code to the user to prompt the user to input a dynamic payment password, judging whether the dynamic payment password input by the user is correct, if so, allowing payment, otherwise, disallowing payment, and prompting the user that the payment fails.
Wherein the step S2 further includes: before displaying, the online payment tool obtains the available balance of each account, compares the available balance of each account with the amount due, only displays the account with the available balance being more than or equal to the amount due and the available balance thereof, and hides the account with the available balance being less than the amount due and the available balance thereof.
Wherein the step S2 further includes: and displaying the selectable accounts and the available balance thereof according to the height of the available balance.
Wherein the step S2 further includes: and acquiring online transaction records of each account, and displaying the selectable accounts and the available balances thereof in sequence according to the online transaction times, or displaying the selectable accounts and the available balances thereof in sequence according to the time length from the previous online transaction.
Wherein the step S2 further includes: the first alternative account and/or its available balance is displayed in an enlarged scale.
Wherein the step S2 further includes: the available balance of each account is maintained displayed only for a predetermined period of time.
The method comprises the steps that when a user registers a payment account for the first time, a verification server generates a plurality of rules, the rules are used for determining a dynamic payment password based on verification codes, the types of the verification codes comprise pure numbers, pure Chinese characters, pure English or a mixed type of the pure numbers, the pure Chinese characters and the pure English, each type of verification codes has a plurality of rules used for determining the dynamic payment password, the verification codes and the corresponding rules are displayed for the user, the user selects one rule from the plurality of rules according to each type of verification codes, and the selected rule is stored in a user terminal.
When the user inputs the dynamic payment password, the online payment tool accesses the rule stored in the user terminal, generates the dynamic payment password based on the verification code and the rule, compares the generated dynamic payment password with the dynamic payment password input by the user, if the generated dynamic payment password is consistent with the dynamic payment password input by the user, the verification is passed, and if the generated dynamic payment password is not consistent with the dynamic payment password input by the user, the verification fails.
Wherein, when the type of the verification code is a pure number, the predetermined rule comprises: adding and summing all numbers in the verification code, dividing the sum by a preset number M, taking a remainder, and determining a dynamic payment password according to the remainder and the verification code;
when the type of the verification code is pure Chinese, the predetermined rule includes: adding and summing the stroke numbers of all Chinese characters in the verification code, dividing the sum by a preset number M to obtain a remainder, and determining a dynamic payment password according to the remainder and the verification code;
when the type of the verification code is pure English, the predetermined rule comprises: adding and summing the numbers corresponding to the sequence of all English in the 26 letter tables in the verification code, dividing the sum by a preset number M to obtain a remainder, and determining a dynamic payment password according to the remainder and the verification code;
when the type of the verification code is a mixture of digits, Chinese characters and English, the predetermined rule includes: and adding and summing all numbers in the verification code, the stroke numbers of all Chinese characters and the numbers corresponding to the sequence of all English in the 26 letter table, dividing by a preset number M to obtain a remainder, and determining the dynamic payment password according to the remainder and the verification code.
Wherein, the account comprises a payment account, a WeChat account, a bank account and the like.
The online payment method can be applied to payment treasure payment and WeChat payment, when a user carries out payment, balance information of a corresponding payment account is obtained first, and the balance information is prompted to the user. By the system and the method, when a user uses the payment platform to pay, the user can know the available balance in advance, the transaction failure caused by insufficient balance during payment is avoided, and the user experience is improved. Meanwhile, a dynamic payment password is used during payment, the dynamic payment password is obtained through calculation according to a preset rule selected by a user, only the user knows the dynamic payment password, and when the mobile phone is lost, other people cannot acquire the dynamic payment password because other people do not know a password generation rule selected by a loser of the mobile phone, so that the property safety of the loser is effectively protected.
The features and advantages of the present invention will become apparent by reference to the following drawings and detailed description of specific embodiments of the invention.
Drawings
FIG. 1 is a schematic flow diagram of an online payment method of the present invention;
FIG. 2 is a schematic flow diagram of a dynamic payment password generation method of the present invention;
FIG. 3 is a schematic diagram of an interface for generating a dynamic password according to the present invention.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, the present invention provides an online payment method that can be used for pay-for-treasure payment and WeChat payment. The method comprises the following steps:
s1: the method includes accessing a payment page through an online payment instrument, the payment page having at least an amount due displayed thereon, and a first confirmation button.
S2: the user enters a payment account selection page after pressing a first confirmation button, and at least a plurality of selectable accounts, available balances of all accounts and a second confirmation button are displayed on the payment account selection page.
The accounts include a payment account, a WeChat account, a bank account, and the like.
In actual life, a user may use a plurality of bank cards and activate the online payment function of the plurality of bank cards, namely, the online payment function of the online bank. When the WeChat or the Payment treasure is used for payment, the user can also bind a plurality of bank cards with one WeChat or Payment treasure account number, and functions of transferring accounts, recharging, withdrawing cash and the like are achieved. Prior to display, the online payment instrument obtains the available balance for each account. The accounts with the available balance less than the payable amount are meaningless for payment, so that the available balance of each account can be compared with the payable amount, only the accounts with the available balance more than or equal to the payable amount and the available balance thereof are displayed, and the accounts with the available balance less than the payable amount and the available balance thereof are hidden. In addition, the selectable accounts and their available balances can be displayed in sequence according to the height of the available balance. In addition, online transaction records of each account can be acquired, and the selectable accounts and the available balances thereof are sequentially displayed according to the online transaction times, or the selectable accounts and the available balances thereof are sequentially displayed according to the time length from the previous online transaction. In addition, the first alternative account and/or its available balance may be displayed in an enlarged scale. This may facilitate user selection, for example, if the account with frequent online transactions is an account preferred by the user, or if the account with a high available balance is a payment account desired by the user, or if the last transaction is associated with the current transaction, the account used by the last transaction is the payment account desired by the user. In addition, when the available balance information of a plurality of accounts is displayed to the user, the available balance information can be displayed to the user through an interface display function of the terminal, and the display of the available balance of each account is only maintained for a preset time period, and can also be prompted in a voice prompting mode.
S3: the user selects an account and enters the verification page after pressing the second confirmation button.
S4: and displaying a specific type of verification code to the user to prompt the user to input a dynamic payment password, judging whether the dynamic payment password input by the user is correct, if so, allowing payment, otherwise, disallowing payment, and prompting the user that the payment fails.
For example, the user selects an account and enters a verification page, the online payment instrument generates a particular type of verification code, and displays the verification code to the user to prompt the user to enter a dynamic payment password. When the user inputs the dynamic payment password, the online payment tool accesses the rule stored in the user terminal, generates the dynamic payment password based on the verification code and the rule, compares the generated dynamic payment password with the dynamic payment password input by the user, if the generated dynamic payment password is consistent with the dynamic payment password input by the user, the verification is passed, otherwise, the verification fails.
In this step, the type of the verification code includes pure numbers, pure Chinese characters, pure English, or a mixed type of the three. The verification code may be generated by an online payment instrument. When a user registers a payment account for the first time, the verification server generates a plurality of rules, the rules are used for determining a dynamic payment password based on the verification codes, each type of verification code has a plurality of rules for determining the dynamic payment password, the verification codes and the corresponding rules are displayed for the user, the user selects one rule from the plurality of rules for each type of verification code, and the selected rule is stored in the user terminal.
Preferably, when the type of the verification code is a pure number, the predetermined rule may include: and adding and summing all numbers in the verification code, dividing the sum by a preset number M to obtain a remainder, and determining the dynamic payment password according to the remainder and the verification code.
Preferably, when the type of the verification code is pure Chinese, the predetermined rule may include: and adding and summing the stroke numbers of all Chinese characters in the verification code, dividing the sum by a preset number M to obtain a remainder, and determining the dynamic payment password according to the remainder and the verification code.
Preferably, when the type of the verification code is pure english, the predetermined rule may include: and adding and summing the numbers corresponding to the sequence of all English in the verification code in the 26 letter table, dividing the sum by a preset number M to obtain a remainder, and determining the dynamic payment password according to the remainder and the verification code.
Preferably, when the type of the verification code is a mixture of digits, chinese characters, and english, the predetermined rule may include: and adding and summing all numbers in the verification code, the stroke numbers of all Chinese characters and the numbers corresponding to the sequence of all English in the 26 letter table, dividing by a preset number M to obtain a remainder, and determining the dynamic payment password according to the remainder and the verification code.
The above rules are only examples, and other rules may be included to determine the dynamic payment code for the verification code of pure numbers, pure chinese characters, pure english, or a mixture of the three.
Fig. 2 is a flow chart of a dynamic password generation method of the present invention. Referring to fig. 2, the dynamic payment password generation method includes the steps of:
s21: acquiring a verification code and judging the type of the verification code;
the type of the verification code comprises pure numbers, pure Chinese characters, pure English or a mixed type of the pure numbers, the pure Chinese characters and the pure English characters. The verification code may be automatically generated by an online payment instrument.
S22: acquiring a dynamic payment password according to a preset rule based on the type of the verification code;
when a user registers a payment account for the first time, the verification server generates a plurality of rules, the rules are used for determining a dynamic payment password based on the verification codes, each type of verification code has a plurality of rules for determining the dynamic payment password, the verification codes and the corresponding rules are displayed for the user, the user selects one rule from the plurality of rules for each type of verification code, and the selected rule is stored in the user terminal. When the user inputs the dynamic payment password, the online payment tool accesses the rule stored in the user terminal, generates the dynamic payment password based on the verification code and the rule, compares the generated dynamic payment password with the dynamic payment password input by the user, if the generated dynamic payment password is consistent with the dynamic payment password input by the user, the verification is passed, otherwise, the verification fails.
FIG. 3 is a schematic diagram of an interface for generating a dynamic password according to the present invention. Referring to fig. 3, the embodiment describes how to generate a dynamic payment password by taking an example that the verification code is pure chinese characters and pure english.
In fig. 3, the verification code displayed on the user interface installed with the integrated payment service system is: i is a lambkin sheep meeting love. The preset rule is as follows: and adding and summing the stroke numbers of all Chinese characters in the verification code, dividing the sum by a preset number M to obtain a remainder, and determining the dynamic payment password according to the remainder and the verification code. Here, M is a preset value, for example, M is 7. The method of determining the dynamic payment password from the remainder and the verification code may be, but is not limited to: dividing the summed value of the strokes by the value of M, which is 7, and then determining the dynamic payment password in the verification code according to the remainder, for example, the total stroke number of the verification code "i is a lambkin sheep with love, is 74, the remainder obtained by dividing 74 by the value of M, which is 7, is 4, and determining the dynamic payment password according to the remainder 4 may be: the first 4 Chinese characters or the last 4 Chinese characters in the verification code are taken as the dynamic payment password of this time, namely the dynamic payment password is 'i is a lambkin sheep' or 'from the first Chinese character, or the first 4 Chinese characters determined every 2 Chinese characters are taken as the dynamic payment password of this time from the first Chinese character, namely the dynamic payment password is' i 'am lambkin'. These rules are either automatically generated by the validation server, from which the user may select, or by an online payment instrument, from which the user selects and uploads to the validation server. Therefore, only the user knows himself, other people cannot acquire the rules determined or selected by the user, and even if the mobile phone is lost, other people who pick up the mobile phone cannot acquire the dynamic payment password, so that reliable transaction is realized, the property safety of the user is guaranteed, and economic loss is avoided.
When the verification code is pure english, for example, the verification code is "abcdefghijk", the sequence of english characters in the verification code in a 26-letter table is "1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11", the sum of the numbers is 66, the preset value of M is 7, the remainder of dividing 66 by 7 is 3, the first 3 "abc" or the last 3 "ijk" in the verification code is taken as the dynamic payment password of this time, or the first 3 "aei" determined every 3 letters from the first letter is taken as the dynamic payment password of this time.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and all modifications and equivalents of the present invention, which are made by the contents of the present specification and the accompanying drawings, or directly/indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims (5)

1. An online payment method, the method comprising:
s1: entering a payment page through an online payment tool, wherein at least an amount due is displayed on the payment page, and a first confirmation button;
s2: after pressing a first confirmation button, a user enters a payment account selection page, and at least a plurality of selectable accounts, available balances of all accounts and a second confirmation button are displayed on the payment account selection page;
the method comprises the following steps that a first selectable account and available balance thereof are displayed in an enlarged mode, and the available balance of each account is maintained and displayed only within a preset time;
s3: the user selects an account, presses a second confirmation button and enters a verification page;
s4: displaying a specific type of verification code to a user to prompt the user to input a dynamic payment password, judging whether the dynamic payment password input by the user is correct, if so, allowing payment, otherwise, disallowing payment, and prompting the user that the payment fails;
when a user registers a payment account for the first time, a verification server generates a plurality of preset rules, the rules are used for determining a dynamic payment password based on a verification code, the type of the verification code comprises pure numbers, pure Chinese characters, pure English or a mixed type of the pure numbers, the pure English characters and the pure English characters, each type of verification code has a plurality of rules for determining the dynamic payment password, the type of the verification code and the plurality of rules are displayed for the user, the user selects one rule from the plurality of rules according to each type of verification code, and the selected rule is stored in a user terminal;
the online payment tool acquires a verification code and judges the type of the verification code;
when a user inputs a dynamic payment password, the online payment tool accesses a rule stored in a user terminal, generates the dynamic payment password based on the verification code and the stored rule, compares the generated dynamic payment password with the dynamic payment password input by the user, if the generated dynamic payment password is consistent with the dynamic payment password input by the user, the verification is passed, and if the generated dynamic payment password is not consistent with the dynamic payment password input by the user, the verification fails;
wherein, when the type of the verification code is a pure number, the predetermined rule comprises: adding and summing all numbers in the verification code, dividing the sum by a preset number M, taking a remainder, and determining a dynamic payment password according to the remainder and the verification code;
when the type of the verification code is pure Chinese, the predetermined rule includes: adding and summing the stroke numbers of all Chinese characters in the verification code, dividing the sum by a preset number M to obtain a remainder, and determining a dynamic payment password according to the remainder and the verification code;
when the type of the verification code is pure English, the predetermined rule comprises: adding and summing the numbers corresponding to the sequence of all English in the 26 letter tables in the verification code, dividing the sum by a preset number M to obtain a remainder, and determining a dynamic payment password according to the remainder and the verification code;
when the type of the verification code is a mixture of digits, Chinese characters and English, the predetermined rule includes: and adding and summing all numbers in the verification code, the stroke numbers of all Chinese characters and the numbers corresponding to the sequence of all English in the 26 letter table, dividing by a preset number M to obtain a remainder, and determining the dynamic payment password according to the remainder and the verification code.
2. The method according to claim 1, wherein the step S2 further comprises: before displaying, the online payment tool obtains the available balance of each account, compares the available balance of each account with the amount due, only displays the account with the available balance being more than or equal to the amount due and the available balance thereof, and hides the account with the available balance being less than the amount due and the available balance thereof.
3. The method according to claim 1 or 2, wherein the step S2 further comprises: and displaying the selectable accounts and the available balance thereof according to the height of the available balance.
4. The method according to claim 1 or 2, wherein the step S2 further comprises: and acquiring online transaction records of each account, and displaying the selectable accounts and the available balances thereof in sequence according to the online transaction times, or displaying the selectable accounts and the available balances thereof in sequence according to the time length from the previous online transaction.
5. The method of claim 1 or 2, wherein the account comprises a pay bank account, a WeChat account, a bank account.
CN201711032931.XA 2017-10-30 2017-10-30 Online payment method Active CN107705130B (en)

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CN109146435A (en) * 2018-09-04 2019-01-04 深圳市百宝廊珠宝首饰有限公司 A kind of method and apparatus that authorization third-party payment system carries out bank transfer
CN109447609A (en) * 2018-09-25 2019-03-08 平安科技（深圳）有限公司 Method of payment, device, computer equipment and storage medium
CN109598503A (en) * 2018-11-19 2019-04-09 李红清 A kind of two dimensional code tip card of contingent on payment password
CN110310111A (en) * 2019-06-26 2019-10-08 郑州铁路职业技术学院 A kind of third party's Internet payment system Internet-based and method
CN111784321A (en) * 2020-06-12 2020-10-16 云账户技术(天津)有限公司 Method and system for automatically selecting payment account and electronic equipment
CN111784349B (en) * 2020-06-12 2021-10-22 支付宝(杭州)信息技术有限公司 Virtual resource allocation method and system
CN112116345A (en) * 2020-09-28 2020-12-22 中国银行股份有限公司 System and method for processing payment card list data
CN113066215B (en) * 2021-03-15 2022-09-13 长沙广缘物业管理有限公司 Two-dimensional code access control management method, system and storage medium

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CN101561908A (en) * 2009-05-13 2009-10-21 候万春 Method for user to control payment or transfer by using mobile phone terminal
CN104063905A (en) * 2013-03-18 2014-09-24 厦门歌乐电子企业有限公司 Road cost payment method and device
CN103914774B (en) * 2014-03-14 2017-05-24 福建联迪商用设备有限公司 O2O safety payment method and system
CN104318474A (en) * 2014-10-19 2015-01-28 汪风珍 Bank card payment system having early warning function

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