CN107748985A - Network method of payment and network payment server - Google Patents
Network method of payment and network payment server Download PDFInfo
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- CN107748985A CN107748985A CN201711086778.9A CN201711086778A CN107748985A CN 107748985 A CN107748985 A CN 107748985A CN 201711086778 A CN201711086778 A CN 201711086778A CN 107748985 A CN107748985 A CN 107748985A
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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
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
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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
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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Abstract
The invention provides a kind of network method of payment and network payment server.This method includes：The authentication registration information of trade company is verified, and in the authentication registration Information Authentication by rear, in the multiple channel of disbursement of trade company's interface display；According to trade company select channel of disbursement enter to should channel of disbursement parameter setting interface, so as to trade company the parameter setting interface set channel side's parameter about the channel of disbursement；The payment services of the channel of disbursement through parameter setting are opened according to the access operation of trade company；The payment instruction of user is received, and verifies the relevant information of trade company, after being verified, automatic connection is paid according to the channel of disbursement of the payment instruction of user so as to complete order.By means of the invention it is also possible to payment services quickly and conveniently are provided for trade company, so as to improve payment efficiency.
Description
Technical field
The present invention relates to network payment technical field, and in particular to a kind of network method of payment and network payment clothes
Business device.
Background technology
With the rapid development of internet electric business, the channel that mobile payment, webpage are paid is more and more, and developer accesses branch
Pay channel cost it is increasing, this limits the development of network payment to a certain extent, also uses network branch to consumer
Pay and bring inconvenience.
The content of the invention
In view of this, the embodiments of the invention provide a kind of network method of payment and the webserver, it can be with
By connecting channel of disbursement automatically, simplify delivery operation, improve payment efficiency.
One aspect of the present invention provides a kind of network method of payment, including：Verify the authentication registration of trade company
Information, and in the authentication registration Information Authentication by rear, in the multiple channel of disbursement of trade company's interface display；Selected according to trade company
Channel of disbursement enter to should channel of disbursement parameter setting interface, so as to trade company set at the parameter setting interface it is relevant should
Channel side's parameter of channel of disbursement；The payment services of the channel of disbursement through parameter configuration are opened according to the access operation of trade company；Connect
The payment instruction of user is received, and verifies the relevant information of trade company, after being verified, the automatic payment instruction connected according to user
Channel of disbursement, so as to complete order pay.
In one embodiment, the relevant information of the checking trade company includes：Registering whether for trade company of checking is certified, propped up
Whether correct pay the configuration that parameter was opened and paid to channel whether, if the result is yes, be verified.
In one embodiment, this method also includes：Complete to set some at trade company's parameter setting interface in trade company
Enter second payment during channel side's parameter of channel of disbursement and interface is set, wherein the second payment interface, which includes not opening, pays channel row
Table and channel of disbursement list is opened；And user is set up to the channel of disbursement after channel side's parameter be added to and described do not open
Logical channel of disbursement, the channel of disbursement list display of having opened select channel of disbursement page payer for selection by the user in user
Formula；The automatic connection includes according to the channel of disbursement of the payment instruction of user：Channel of disbursement row have been opened described in automatic connection
At least one channel of disbursement in table.
In one embodiment, the payment services bag of the channel of disbursement through parameter configuration is opened according to the access operation of trade company
Include：There is provided to trade company and perform code and call code, so as to trade company's configuration execution code and call code；It is described according to
At least one channel of disbursement opened described in the automatic connection of the payment instruction at family in channel of disbursement list includes：Receiving use
By performing code described in the calling code call during payment instruction at family, so as to which the execution code draws in the user interface
Enter to be related to the order parameter of order title, the order amount of money, order number and safety verification.
In one embodiment, this method also includes：The order parameter is verified, if the verification passes, then root
The channel of disbursement of at least one of channel of disbursement list has been opened according to described in the payment instruction connection of user, and has completed order branch
Pay.
Another aspect of the present invention provides a kind of network payment server, including memory and processor, wherein institute
State memory storage and pay application software, following steps are performed when the processor calls the payment application software：Checking
The authentication registration information of trade company, and in the authentication registration Information Authentication by rear, in the multiple channel of disbursement of trade company's interface display；
According to trade company select channel of disbursement enter to should channel of disbursement parameter setting interface, so as to trade company in the parameter setting
Interface sets channel side's parameter about the channel of disbursement；Channel of disbursement through parameter setting is opened according to the access operation of trade company
Payment services；The payment instruction of user is received, and verifies the relevant information of trade company, after being verified, connects basis automatically
The channel of disbursement of user's payment instruction, paid so as to complete order.
In one embodiment, the relevant information of the checking trade company includes：Whether checking trade company succeeds in registration, is registered
Trade company whether open and pay by corporate authentication, channel of disbursement parameter configuration it is whether correct, if checking knot
Fruit is yes, then is verified.
In one embodiment, the step also includes：Complete to set certain at trade company's parameter setting interface in trade company
Enter second payment during channel side's parameter of individual channel of disbursement and interface is set, wherein the second payment interface, which includes not opening, pays a channel
List and channel of disbursement list is opened；And user is set up to the channel of disbursement after channel side's parameter and is automatically added to institute
State and do not open channel of disbursement, and the channel of disbursement list display of having opened selects the channel of disbursement page to be selected for user in user
Select the means of payment；The automatic connection includes according to the channel of disbursement of user's payment instruction：Payment has been opened described in automatic connection
At least one channel of disbursement in channel list.
In one embodiment, the payment services bag of the channel of disbursement through parameter setting is opened according to the access operation of trade company
Include to provide to trade company and perform code and calling code；The payment instruction according to user has opened payment canal described in connecting automatically
At least one channel of disbursement in road list includes：Pass through the calling code call institute when receiving the payment instruction of user
Execution code is stated, is related to order title, the order amount of money, order number and safety so as to which the execution code introduces in the user interface
The order parameter of checking.
In one embodiment, above-mentioned steps also include：The order parameter is verified, if the verification passes, then
The channel of disbursement of at least one of channel of disbursement list has been opened according to the connection of the payment instruction of user, and has completed order branch
Pay.
The method of network payment and network payment server that embodiments of the invention provide, can more easily aid in using
Family completes to pay, so as to improve payment efficiency.
Brief description of the drawings
Fig. 1 show a kind of flow chart of method of network payment provided in an embodiment of the present invention.
The second that Fig. 2 show the embodiment of the present invention pays page schematic diagram.
Fig. 3 show the network payment server schematic diagram of the embodiment of the present invention.
Fig. 4 show the payment flow schematic diagram of the embodiment of the present invention.
Fig. 5 is the application scenarios schematic diagram of the embodiment of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, rather than whole embodiments.Based on this
Embodiment in invention, the every other reality that those of ordinary skill in the art are obtained under the premise of creative work is not made
Example is applied, belongs to the scope of protection of the invention.
The mode of access channel of disbursement is for example accessed one by one by the document of channel side at present, or public by Third-party payment
The good all kinds of SDK language of department's exploitation.The former develops cumbersome, complicated, and debugs difficult, development technique threshold is high, cost is high, and needs
Increase channel of disbursement will increase exploitation demand newly, and the pattern of each channel exploitation is also usually different.The latter is although without the former
It is so complicated, but technical threshold is still higher, and need certain debugging construction cycle.
By comparison, the second of the embodiment of the present invention pays for example only can access many payment canals with three line codes
Road, and the management to channel of disbursement only need to be in such as BeeCloud platforms, BeeCloud trade companies platform, system of BeeCloud trade companies
One of system, trade company's platform, trade company's management platform operate, and reduce technical threshold.In addition, the second means of payment of the present invention is also supported
Debug is debugged, being capable of preferably compatible PC and mobile terminal etc..
Specifically, the present invention accesses the technology of channel of disbursement to reduce the development cost of access channel of disbursement and reduction
Threshold, take the second payment Button means of payment.When developing second payment program, it is for instance possible to use three line codes are real
Now access the function of many channel of disbursement.In addition, the second, which pays, can be applied to PC ends and mobile terminal simultaneously.For developer
Speech, the second of the embodiment of the present invention, which pays, can reduce development cost, experience of the optimization user in payment flow.In addition, this hair
Bright embodiment can allow access channel of disbursement to become extremely simple quick, and access and pay canal under the premise that security is guaranteed
Visualized operation just only can be carried out in trade company's management backstage by non-developer after road.
One aspect of the present invention provides a kind of network method of payment.Referring to Fig. 1, this method includes：S100
The authentication registration information of trade company is verified, and in the authentication registration Information Authentication by rear, in the multiple payments of trade company's interface display
Channel；The channel of disbursement that S101 is selected according to trade company enter to should channel of disbursement parameter setting interface, so as to which trade company is in institute
State parameter setting interface and channel side's parameter about the channel of disbursement is set；S102 is opened through parameter according to the access operation of user
The payment services of the channel of disbursement of configuration；S103 receives the payment instruction of user, and verifies the relevant information of trade company, logical in checking
Later, automatic connection is paid according to the channel of disbursement of the payment instruction of user so as to complete order.The present invention is by simply noting
The automatic connection of channel of disbursement can be achieved in volume, so that delivery operation becomes more convenient, efficient.
In one embodiment, as described above, verifying the registration request of trade company, and it is verified in the registration request
Afterwards, also include after user interface shows the multiple channel of disbursement：The channel of disbursement selected according to trade company enters to should
Trade company's parameter setting interface of channel of disbursement, so as to which trade company sets the relevant channel of disbursement at trade company's parameter setting interface
Channel side's parameter.For example, trade company can click on the payment after conventional channel of disbursement (such as wechat or Alipay) is chosen
Channel, hence into trade company's parameter setting interface.For example, the parameter set can be which account is collected money.For example, different branch
The arrange parameter for paying channel parameter may be otherwise varied.For example, the parameter that Alipay need to be set includes：Alipay public key, private key,
Alipay APPID, channel rate.Include for example, wechat pays parameter：Wechat public number, APPID, trade company number, API keys,
API Credentials upload, API passwords, rate etc..
In one embodiment, this method also includes：Complete to set interface to set some in the customer parameter in trade company
Enter second payment during channel side's parameter of channel of disbursement and interface is set.Referring to Fig. 2, the second payment interface includes not opening payment
Channel of disbursement list 2 (horizontal line in list represents different channel of disbursement) has been opened in channel list 1, and can set trade company
The channel of disbursement after channel side's parameter has been put to be automatically added to described open channel of disbursement.In addition, the payment according to user
Instruction connects the multiple channel of disbursement automatically to be included：Channel of disbursement has been opened according to the connection automatically of the payment instruction of user
Channel of disbursement in list.
It should be noted that the payment instruction of user is typically to select some channel of disbursement.But under some scenes, example
Such as, during the insufficient funds of some channel of disbursement, user can be with the two or more channel of disbursement of simultaneous selection, so as to click on payment
After button, it is possible to achieve paid while two or more payment approach.It is used at the same time by providing multiple payment approach
Mode, the number of operations of user is simplified, improve payment experience.
In this embodiment, for example, trade company, which can will select these not open channel of disbursement and be dragged to, has opened channel
In list, and clicked in the page such as preserving or confirm, you can open the channel of disbursement.For example, trade company can be by institute
The pre- channel opened having never opens channel of disbursement list support and enters to have opened channel of disbursement list, and clicks on preservation.Example
Such as, some channel of disbursement do not opened in channel of disbursement list is clicked by trade company, and such as mouse is kept pressed state, mobile mouse
Mark is drawn to have opened and paid in list, and unclamps mouse, so that the channel of disbursement enters and opened channel of disbursement
List.For example, in mouse up, can also automatic spring whether preserve the page, so as to which trade company can click on save button
When, add the channel of disbursement and open channel of disbursement list.For example, it is also possible to it is to double-click some in payment list is not opened
Channel of disbursement, channel of disbursement list is opened so as to eject whether to be added to the channel of disbursement, and when trade company's click is,
The channel of disbursement, which can voluntarily be added to, have been opened in channel of disbursement list.Embodiments of the invention do not open branch by setting respectively
Pay channel list and opened channel of disbursement list, can be very good what is distinguished user's channel of disbursement needed to use and be of little use
Channel of disbursement, and can also can be easily to two payment canals with the adjustment of user's channel of disbursement use habit, trade company
The content of road list is adjusted, so as to effectively avoid maloperation.Further, since the channel of disbursement that user is of little use is placed in not
Open in channel of disbursement list, therefore, when user sends payment instruction, it is not necessary to connect the payment that these users are of little use automatically
Channel, so as to reduce the occupancy to Internet resources.
In this embodiment, for example, it is also possible to which being accustomed to automatically adjustment according to the payment of user pays priority.I.e. by certain
The means of payment that individual user commonly uses is arranged on topmost, and non-conventional channel of disbursement is arranged on below.For example, it can connect
When receiving the payment instruction of user, the identity of user is judged by instruction, i.e., user is identified.So as to receive not
With user payment instruction when, can adjust accordingly opened pay list in payment priority.
In one embodiment, complete to set the channel of some channel of disbursement at trade company's parameter setting interface in trade company
Enter during square parameter when second payment sets interface and generate js files (for example, js files can generate before this)；So as to described
Having opened the channel of disbursement in channel of disbursement list according to the connection automatically of the payment instruction of trade company includes：According to receiving
BC.click () method in the js files is called during the payment instruction of user, is ordered so as to introduce to be related in the user interface
Single title, the order amount of money, the order parameter of order number and safety verification, required for these parameters are BC.click () method
Parameter.
It should be noted that above-mentioned several parameters are that must pass parameter, for example, it is also possible to increase other parameters.These parameters
There can be different functions, such as the parameter used for dealing money stroke count statistics tendency can be included, unlatching uses reward voucher
Parameter of function etc..The mode of the embodiment of the present invention can support various expanded functions, and trade company is only by increasing optional parameters
.As it was previously stated, the function of these extensions will only need to call in the back-end code realization of the js files of introducing and calling, trade company
These codes.
Specifically, for example, the developer of trade company side can make trade company in their project by following three line code
Access channel of disbursement.First line code：It is introduced into the page for needing to pay during second payment Button sets page and generates js files.The
Two line codes：When user clicks on payment button, BC.click () method in above-mentioned js files is called.In simple terms, in business
Family is registered and after server end is verified, can provide the first line code, after trade company configures the code, the code to trade company
Available for performing payment function.The effect of second line code is to call the first line code, so as to which the first line code performs accordingly
Function；I.e. for user when clicking on payment, trade company receives payment information, and the information transfer is to service provider.For example, service provider
In the case of checking trade company is registered, the function of the first line code is called by the second line code, so as to complete payment process.
The third line code is used for safety verification, such as the authentication registration situation of checking trade company, parameter configuration situation etc..These codes can be with
There is provided in the registration empirical tests of trade company or automatically generated when user completes channel of disbursement parameter configuration, so as to business
Family can configure these codes.It is appreciated that the effect of these codes is substantially to be authorized to trade company end, trade company passes through this
The service of a little code access server sides, so as to when user enough buys commodity from the trade company, be propped up by channel of disbursement
Pay.
In the case where the first line code is called, this method is introduced into some information for needing pay invoice, such as order
Title, the order amount of money, order number, safety verification and some other optional order parameters.For example, these order parameters can be used
Statistical analysis, debug debugging in the order product quantity amount of money etc..It can specifically be determined according to user's request.Grasped in user
There is the above order parameter as interface, confirm for user.The third line code：Safe sign test in the third line code is, it is necessary to take
Generated behind business device end in end instruction.The signature is used to verify the order parameters such as price, order title and order number.If checking is logical
Cross, then can be according to the channel of disbursement opened described in the payment instruction connection of user in channel of disbursement list (for example, connecting successively
Scoop out with appld, title, amount, out trade no (order number), pay and apply appSecret), then calculate connection
Character string MD5 afterwards, paid to aid in user to complete order.
Another aspect of the present invention provides a kind of network payment server.Referring to Fig. 3, the server can for example wrap
Memory 10 and processor 20 are included, wherein the storage of the memory 10 pays application software, is called in the processor 20 described
Following steps are performed when paying application software：The registration request of trade company is verified, and after the registration request is verified, in business
The multiple channel of disbursement of family interface display；According to trade company select channel of disbursement enter to should channel of disbursement parameter setting circle
Face, so as to which trade company sets channel side's parameter about the channel of disbursement at the parameter setting interface；Grasped according to the access of trade company
Open the payment services of the channel of disbursement through parameter configuration；The payment instruction of user is received, and verifies the relevant information of trade company,
After being verified, automatic connection is paid according to the channel of disbursement of the payment instruction of user so as to complete order.For example, the clothes
Business device can be the third-party server outside subscription client, business server.And the server enters in the user of client
During row aforesaid operations, above-mentioned function can be performed.Specifically, the trade company at business server end can click on registration, and carry
After handing over registration request, verify that the payment is asked, and after paying request and passing through, the background server can make multiple channel of disbursement
It is shown in user interface.So as to buy commodity in user, and when clicking on payment, multiple channel of disbursement are connected automatically, and auxiliary is used
Family is quick, easily completes the payment of commodity.
As described above, in one embodiment, the registration request of the checking trade company, and it is logical in registration request checking
Later, also include after the multiple channel of disbursement of trade company's interface display：The channel of disbursement selected according to trade company enters corresponding
Trade company's parameter setting interface of the channel of disbursement, so as to which trade company sets the relevant channel of disbursement at trade company's parameter setting interface
Channel side's parameter.For example, trade company can click on the branch after conventional channel of disbursement (such as wechat or Alipay) is chosen
Channel is paid, so as to which server can make trade company interface into the parameter setting interface of channel side.For example, these parameters can include
Payment cipher, day pay amount limitation, single pays maximum amount limitation etc..
In one embodiment, server can be completed to set interface to set some payment in the customer parameter in trade company
Trade company interface is entered second payment during channel side's parameter of channel and interface is set.Wherein described second payment interface includes not open-minded
Channel of disbursement list and channel of disbursement list is opened.And server can set up trade company the payment after channel side's parameter
Channel does not open channel of disbursement described in being automatically added to, and the channel of disbursement list display of having opened selects to pay canal in user
The road page means of payment for selection by the user.Above-mentioned automatic connection includes according to the channel of disbursement of the payment instruction of user：Service
At least one of channel of disbursement in channel of disbursement list has been opened described in the automatic connection of device.
In this embodiment, for example, it is that the channel of disbursement do not opened in the page is paid in the second not open channel of disbursement list.
It is dragged in the list for having opened channel for example, user can will select these not open channel of disbursement, and is clicked in the page
Such as preservation or confirmation etc., you can open the channel of disbursement.Skilled person will appreciate that the aforesaid operations of trade company are all by taking
It is engaged in what device backstage auxiliary was carried out.Specifically, for example, trade company, which can click some do not opened in channel of disbursement list, pays canal
Road, and such as mouse is kept pressed state, mobile mouse is drawn to have opened and paid in list, and is unclamping mouse
Afterwards, the channel of disbursement, which is saved in, has opened in channel of disbursement list.For example, in mouse up, whether can be protected with automatic spring
The page is deposited, channel of disbursement list has been opened so as to which when trade company can click on save button, the channel of disbursement can add.
For example, it is also possible to be to double-click some channel of disbursement in payment list is not opened, whether the channel of disbursement is added so as to eject
To having opened channel of disbursement list, and user click on be when, the channel of disbursement can voluntarily be saved in and open channel of disbursement
In list.The server of the embodiment of the present invention does not open channel of disbursement list and has opened channel of disbursement list by setting respectively,
Channel of disbursement and the temporary transient no channel of disbursement that user needs to use can be significantly distinguished, and can also be with user's branch
The adjustment of channel use habit is paid, easily the content of two channel of disbursement lists is adjusted and changed, so as to not only may be used
Effectively to avoid maloperation, and occupancy of the server to Internet resources can be reduced.
In one embodiment, trade company's access channel of disbursement can be by following operation：Paying server can be complete in trade company
Given birth into setting interface to set channel side's parameter of some channel of disbursement in the customer parameter and entering when second payment sets interface
Into js files, js files include performing code.The channel of disbursement bag in channel of disbursement list has been opened described in the automatic connection
Include：BC.click () method in the js files is called when receiving the payment instruction of user, to draw in the user interface
Enter to be related to the order parameter of order title, the order amount of money, order number and safety verification.
Specifically, for example, trade company developer can access channel of disbursement by following three line code.First line code：
It is introduced into the back for needing to pay during second payment Button sets page and generates js files.Second line code：Click on and pay in user
During button, BC.click () method in above-mentioned js files is called.Being introduced when calling above-mentioned first line code needs pay invoice
Some information, such as order title, the order amount of money, order number, safety verification and some other optional order parameters.Example
Such as, these order parameters can be used for the statistical analysis of the order product quantity amount of money, debug debugging etc..Specifically can be according to user
Demand determines.There is the above order parameter in user interface, confirm for user.The third line code：In second line code
Safe sign test, it is necessary to which developer generates after server end in end instruction.The signature is used to verify that price, order title etc. are ordered
One-parameter.If the verification passes, then the branch in channel of disbursement list can have been opened according to connecting the payment instruction of user
At least one of channel (for example, be sequentially connected using appld, title, amount, pay and apply appSecret) is paid, so
The character string MD5 after connection is calculated afterwards, is paid so that user completes order.
Verification process is for example including verifying whether trade company is registered, whether trade company log-on message passes through corporate authentication, branch
Pay whether channel has been opened and whether channel parameter configuration is correct etc..If checking is unsuccessful, ordered in buyer's interface display
It is single unsuccessful.Under normal circumstances, businessman is when using this method, it will usually can in advance test, test into after configuration parameter
After work(, it can just be put on line and use.Unsuccessful situation is paid if there is order, businessman can reconfigure channel side's ginseng
Number, to ensure the successful payment of buyer.The server of the embodiment of the present invention can quickly access payment only by three line codes
Channel, technical threshold is greatly reduced, so as to facilitate user to be rapidly completed the selection of channel of disbursement and the payment of expense, and
Greatly reduce the occupancy to paying resource.
In one embodiment, the server also receives the sequence information from merchant server；According to what is received
The sequence information is verified to the above order parameter, if the sequence information is consistent with the order parameter, basis
Payment instruction connection described in opened in channel of disbursement list channel of disbursement (for example, be sequentially connected using appld, title,
Amount, out trade no (order number) pay and apply appSecret), the character string MD5 after connection is then calculated, so as to
User completes order and paid.
It may be noted that in this embodiment, for user after order has been filled in, the sequence information is transferred to server.Example
Such as, due to some reasons, user abandons this and pays or when buy next time while pay.In the case, user is worked as
Next time after the businessman buys product and filling in order, the sequence information filled in first can be with the information that is stored in server
Compare, if unanimously, it is effective during first purchase, can continue after the step of.
In addition, the network payment server can include multiple servers, so as to which preferably payment function institute is realized in deployment
The backstage environment needed.This can also alleviate in the case where user group is bigger, number of concurrent is higher, may caused by run
It is not smooth.For example, the quantity of server can adjust according to the customer group dynamic of statistics.For example, number of users and clothes can be set
The corresponding relation for device quantity of being engaged in, so as to automatically regulate the number of units of server according to the change of customer group.In the middle part of the environment of rear end
Administration, which has, transfers the payment interface needed for paying, so as to when merchant requests are paid, there is provided respective service.
Fig. 4 illustrates the payment flow figure of the embodiment of the present invention.Referring to Fig. 4, the payment flow includes：S2001：Business first
Family is registered (for example, can be registered on the page on some internet), and server receives and verifies that the registration of trade company is recognized
Information is demonstrate,proved, and in authentication registration Information Authentication by rear, trade company's configuration pays parameter.S2002:Trade company configure parameter it
Afterwards, for example, the page supported by server, which can enter the second, pays button setting pages.Herein it should be noted that user matches somebody with somebody
Put parameter, can jump to automatically the second pay set page, can also user second branch is actively entered according to the configuration information of offer
Pay and page is set.Allocate and enable channel of disbursement, for example, not opening channel and opened channel as above, and at least by a branch
Channel is paid to be added to and opened channel of disbursement.S2003:Above-mentioned channel of disbursement is accessed by three line codes, the process is also service
The service function at device end links with trade company end, to ensure that trade company end smoothly performs payment process.Branch is successfully accessed in trade company
Channel is paid, namely service authentication is established with server, after the service of server offer is provided, S2004 can be performed：Business
Family will can issue on line with the system postponed, with for users to use.In flow 2005：User selects channel of disbursement, and point
Hit after payment, perform flow 2006：That is the log-on message of server end checking trade company.For example, these information can include but
Be not limited to register whether successfully, the authentication registration information of trade company whether by, whether channel of disbursement is opened, pays parameter configuration is
It is no correct etc..After being verified, the page is set to be transferred to the payment address of channel of disbursement, so as to complete whole payment process.This hair
Bright embodiment method of payment and paying server, can after trade company's access service, by server provide service, simply
Completion channel of disbursement setting with open-minded, so as to user can purchase the businessman product when, be conveniently accomplished purchase, pole
The exploitation of the big means of payment for simplifying businessman.
Fig. 5 illustrates an application scenarios of the embodiment of the present invention., can be with when user carries out online payment referring to Fig. 5
It is related to three terminals, i.e. business server end, user terminal and paying server.First, user needs to find in advance on webpage
Commodity are purchased, and after commodity are found, insert the goods orders parameter such as quantity purchase.These parameters are (for example, can include paying
Channel, order sign test, sequence information and user profile etc.) server can be passed to by business server, and (BeeCloud is serviced
Device), BeeCloud servers can return to the channel gathering content such as address and payment information to business server afterwards.Pay canal
Road arranges and payment information can also return to user.I.e. user can be sent these orders and checking information by business server
To paying server.So as to which BeeCloud paying servers can assist user simple, efficiently complete after these orders are verified
Into whole payment process.
It should be noted that server can be made up of two Website servers and Duo Tai payment system back-end servers.
For example, two Website servers are standby including a calamity.The required environment of website operation, data are disposed on Website server
Storehouse and commerce system code, for Merchants register login authentication, configuration pays parameter and opens the system operatio of channel etc. one.It is for example, more
Platform payment system server disposition environment, database and payment back-end code of the operation of payment system rear end etc..By this
Configuration mode, high concurrent, load balancing, using technologies such as attack protection in the majority, air controls, so as to be provided for trade company user can be supported
The payment environment of safety and stability.
The method of network payment and network payment server that embodiments of the invention provide, can quickly and conveniently aid in using
Family completes to pay, so as to improve payment efficiency.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Member and algorithm steps, it can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, application-specific and design constraint depending on technical scheme.Professional and technical personnel
Described function can be realized using distinct methods to each specific application, but this realization is it is not considered that exceed
The scope of the present invention.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, the corresponding process in preceding method embodiment is may be referred to, will not be repeated here.
In several embodiments provided herein, it should be understood that disclosed systems, devices and methods, can be with
Realize by another way.For example, device embodiment described above is only schematical, for example, the unit
Division, only a kind of division of logic function, can there is other dividing mode, such as multiple units or component when actually realizing
Another system can be combined or be desirably integrated into, or some features can be ignored, or do not perform.It is another, it is shown or
The mutual coupling discussed or direct-coupling or communication connection can be the indirect couplings by some interfaces, device or unit
Close or communicate to connect, can be electrical, mechanical or other forms.
The unit illustrated as separating component can be or may not be physically separate, show as unit
The part shown can be or may not be physical location, you can with positioned at a place.Or it can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.
If the function is realized in the form of SFU software functional unit and is used as independent production marketing or in use, can be with
It is stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially in other words
The part to be contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter
Calculation machine software product is stored in a storage medium, including some instructions are causing a computer equipment (can be
People's computer, server, or network equipment etc.) perform all or part of step of each embodiment methods described of the present invention.
And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), arbitrary access are deposited
Reservoir (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of storage program check code.
The foregoing is only a specific embodiment of the invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, change or replacement can be readily occurred in, should all be contained
Cover within protection scope of the present invention.Therefore, protection scope of the present invention described should be defined by scope of the claims.
Claims (10)
- A kind of 1. network method of payment, it is characterised in that including：The authentication registration information of trade company is verified, and in the authentication registration Information Authentication by rear, interface display is multiple in trade company Channel of disbursement；The parameter setting interface according to corresponding to entering the channel of disbursement that trade company selects, so as to which trade company sets at the parameter setting interface It is equipped with the channel side's parameter for closing channel of disbursement；The payment services of the channel of disbursement through parameter setting are opened according to the access operation of trade company；The payment instruction of user is received, and verifies the relevant information of trade company, after being verified, automatic connection is paid according to user The channel of disbursement of instruction, paid so as to complete order.
- 2. method of payment according to claim 1, it is characterised in that the relevant information of the checking trade company includes：Checking Whether whether the trade company that whether trade company succeed in registration, is registered by corporate authentication, channel of disbursement open and pay parameter Whether configuration is correct, if the result is yes, is verified.
- 3. method of payment according to claim 1, it is characterised in that this method also includes：Completed in trade company in the business Family parameter setting interface enters second payment and sets interface when setting channel side's parameter of some channel of disbursement, wherein the second pays Interface includes not opening channel of disbursement list and has opened channel of disbursement list；AndTrade company is set up the channel of disbursement after channel side's parameter be automatically added to it is described do not open channel of disbursement, and it is described Open channel of disbursement list display and select the channel of disbursement page means of payment for selection by the user in user；The automatic connection includes according to the channel of disbursement of user's payment instruction：At least one channel of disbursement in channel of disbursement list has been opened described in automatic connection.
- 4. method of payment according to claim 3, it is characterised in that the access operation according to trade company is opened through parameter The payment services of the channel of disbursement of setting include：There is provided to trade company and perform code and call code, so as to be held described in trade company's configuration Line code and calling code；Automatically at least one channel of disbursement opened in channel of disbursement list that connects includes：When receiving the payment instruction of user by performing code described in the calling code call, so as to the execution code The order parameter for being related to order title, the order amount of money, order number and safety verification is introduced in the user interface.
- 5. method of payment according to claim 4, it is characterised in that also include：The order parameter is verified, if the verification passes, then opened described in automatic connection in channel of disbursement list extremely One of few channel of disbursement, and complete order payment.
- 6. a kind of network payment server, it is characterised in that including memory and processor, wherein the memory storage is paid Application software, following steps are performed when the processor calls the payment application software：The registration request of trade company is verified, and after the registration request is verified, in the multiple channel of disbursement of trade company's interface display；According to trade company select channel of disbursement enter to should channel of disbursement parameter setting interface, so as to trade company in the parameter Set interface that channel side's parameter about the channel of disbursement is set；The payment services of the channel of disbursement through parameter setting are opened according to the access operation of trade company；The payment instruction of user is received, and verifies the relevant information of trade company, after being verified, the automatic branch connected according to user In the channel of disbursement for paying instruction, paid so as to complete order.
- 7. server according to claim 6, it is characterised in that the relevant information of the checking trade company includes：Verify business Registering whether for family is certified, channel of disbursement whether open and pay parameter configuration it is whether correct, if the result is It is then to be verified.
- 8. server according to claim 7, it is characterised in that the step also includes：Completed in trade company in the business Family parameter setting interface enters second payment and sets interface when setting channel side's parameter of some channel of disbursement, wherein the second pays Interface includes not opening pair channel list and has opened channel of disbursement list；AndUser is set up to the channel of disbursement after channel side's parameter be added to and described do not open channel of disbursement；The automatic connection includes according to the channel of disbursement of the payment instruction of user：At least one channel of disbursement in channel of disbursement list has been opened described in automatic connection.
- 9. server according to claim 8, it is characterised in that the access operation according to trade company is opened to be set through parameter The payment services for the channel of disbursement put include：There is provided to trade company and perform code and call code, so as to which trade company configures the execution Code and calling code；The automatic connection includes according to the channel of disbursement of the payment instruction of user：When receiving the payment instruction of user by performing code described in the calling code call, so as to the execution code The order parameter for being related to order title, the order amount of money, order number and safety verification is introduced in the user interface.
- 10. server according to claim 9, it is characterised in that also include：The order parameter is verified, if the verification passes, then opened described in automatic connection in channel of disbursement list extremely One of few channel of disbursement, and complete order payment.
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| CN201711086778.9A CN107748985B (en) | 2017-11-07 | 2017-11-07 | Network-based payment method and network payment server |
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| CN109934589A (en) * | 2019-03-18 | 2019-06-25 | 农业部沼气科学研究所 | A kind of network payment account transaction processing system and method based on Internet of Things |
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| CN110264171A (en) * | 2019-06-06 | 2019-09-20 | 深圳前海微众银行股份有限公司 | Distributed bill processing method, device, equipment and computer readable storage medium |
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| CN111966343A (en) * | 2020-08-11 | 2020-11-20 | 福建博思数字科技有限公司 | Method and system for visually constructing payment developer platform |
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| CN112258173A (en) * | 2020-10-22 | 2021-01-22 | 广州市汇聚支付电子科技有限公司 | Intelligent payment routing method and system |
| CN113837746A (en) * | 2021-09-24 | 2021-12-24 | 商派软件有限公司 | Method and system for multi-channel simultaneous payment |
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