CN107993068A - Payment system under order line on a kind of line - Google Patents
Payment system under order line on a kind of line Download PDFInfo
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- CN107993068A CN107993068A CN201711239533.5A CN201711239533A CN107993068A CN 107993068 A CN107993068 A CN 107993068A CN 201711239533 A CN201711239533 A CN 201711239533A CN 107993068 A CN107993068 A CN 107993068A
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- 238000004891 communication Methods 0.000 claims abstract description 13
- 238000004458 analytical method Methods 0.000 claims description 3
- 230000003993 interaction Effects 0.000 claims description 3
- 238000012545 processing Methods 0.000 claims description 3
- 238000005516 engineering process Methods 0.000 description 3
- 238000010586 diagram Methods 0.000 description 2
- 241000700605 Viruses Species 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 238000006243 chemical reaction Methods 0.000 description 1
- 230000007812 deficiency Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 239000002360 explosive Substances 0.000 description 1
- 238000009472 formulation Methods 0.000 description 1
- 238000000034 method Methods 0.000 description 1
- 239000000203 mixture Substances 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012360 testing method Methods 0.000 description 1
Classifications
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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
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- 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]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0641—Shopping interfaces
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- Business, Economics & Management (AREA)
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- Engineering & Computer Science (AREA)
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- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
The invention discloses payment system under order line on a kind of line, including electronic third-party store, the mobile APP for loading on mobile terminal, bluetooth accepting terminal and backstage payment system platform, the electronic third-party store is embedded into the mobile APP with page-mode；Trade company order of the user on the electronic third-party store pushes to the mobile APP, forms user's order to be paid；The bank card information and password of the bluetooth accepting terminal collection user, the mobile APP is passed to using bluetooth communication mode；Bank card information and password is encrypted in the mobile APP, and encrypted bank card information and password are assembled to form transaction message together with user's order to be paid, is sent to the backstage payment system platform；The backstage payment system platform verifies the transaction message of reception, and assembling, which is formed under line, consumes message, and is paid under sending to exterior payment channel into line.So as to effectively improve payment safety.
Description
Technical field
The present invention relates to mobile payment field.
Background technology
E-commerce high speed development has driven online payment business explosive growth.With smart mobile phone function increasingly
Powerful, popularization degree is higher and higher, and the scene that people are paid by smart mobile phone is also more and more.Correspondingly, to mobile phone branch
Pay the demand that safety proposes higher.
The means of payment includes quick, Internetbank, various personalized third party's bill payments on smart mobile phone line.Without exception
These on-line payment patterns are required for holder to provide the payment accounts and password of oneself on the internet.Such as in third party's account
In the payment scheme of family, user needs registration in advance account, and binds bank card.When user is done shopping clearing on line by mobile phone
When, there is provided login account and password, to complete payment transaction.If the operating system of smart mobile phone, the security of running environment
Deficiency, payment safety are easily subject to the infringement and threat of virus and wooden horse, cause leakage of personal information, bank with regard to poor
Account, password are stolen, are tampered, and even result in account fund loss.Only by the cell-phone number that registration is pre-registered to user
Code sends the mode of dynamic password short message, can improve security to a certain extent, be still unavoidable from the peace paid on line
Full hidden danger and loophole.
As described above, the security during improving mobile-phone payment becomes vast payment industry practitioner diligently to chase after
The target asked.
The content of the invention
It is an object of the invention to provide payment system under order line on a kind of line, payment safety is effectively improved.
Realizing the technical solution of above-mentioned purpose is：
Payment system under order line on a kind of line, including electronic third-party store, the mobile APP for loading on mobile terminal
(application program), bluetooth accepting terminal and backstage payment system platform, wherein,
The electronic third-party store is embedded into the mobile APP with page-mode；
Trade company order of the user on the electronic third-party store pushes to the mobile APP, forms use to be paid
Family order；
The bank card information and password of the bluetooth accepting terminal collection user, is passed to described using bluetooth communication mode
Mobile APP；
Bank card information and password is encrypted in the mobile APP, and encrypted bank card information and password are connected
Assemble to form transaction message together with user's order to be paid, be sent to the backstage payment system platform；
The backstage payment system platform verifies the transaction message of reception, and assembling, which is formed under line, consumes message, and sends
Paid under to exterior payment channel into line；
After the backstage payment system platform receives external transaction successful respond, the mobile APP is sent to；The shifting
Dynamic APP renewals user's order status, and order is paid into electronic third-party store described in successful message informing.
Preferably, the mobile APP includes：
Formulating has a set of store management mould for being used to move the interface specification of interaction between APP and electronic third-party store
Block；
Trade company's order is formed to user's order to be paid, and updates the order management module of user's order status；And
Interacted respectively with the bluetooth accepting terminal and the backstage payment system platform, to complete user's order
The payment module of payment task.
Preferably, further include：
For provide mobile APP respectively with electronic third-party store, bluetooth accepting terminal and backstage payment system platform
Between communication link communication submodule；
For providing the safe submodule of message secure cryptographic service；And
For providing the message submodule of message assembling and analysis service.
Preferably, the mobile APP is encrypted bank card information and password by safe submodule, passes through message
Module assembled transaction message, is sent transaction message to the backstage payment system platform by communicating submodule.
Preferably, further include：
For according to transaction characteristics, determining to call the friendship of the order of communication submodule, safe submodule and message submodule
Easy flow submodule；
It is used for realization the messenger service submodule that message sends mechanism；And
For providing timed task configuration management, batch processing task management and task scheduling control for transaction and job task
Task scheduling submodule.
Preferably, the message sends mechanism and includes：With/asynchronous message is sent, message queue is sent, message storage turns
Hair and message policies are sent.
The beneficial effects of the invention are as follows：The present invention is acquired user's bank card information and password by accepting terminal,
These data are existed with encrypted test mode in whole transmission of transaction data chain, and accepting terminal is by Unionpay's safety
Have specification and stringent secret key administrative mechanism between the hardware device of certification, and backstage payment system platform, thus the present invention and
The means of payment is compared on existing mobile phone line, and payment safety has obtained effective guarantee.Meanwhile electronic third-party store is with H5 pages
Face (page made using html5) is embedded into mobile APP, enriches the content scene of mobile APP.Moreover, pass through business
City management module is to provide interface specification between mobile APP and electronic third-party store, improves operation stability.
Brief description of the drawings
Fig. 1 is the structure chart of payment system under order line on the line of the present invention；
Fig. 2 is the schematic diagram of each module of mobile APP in the present invention；
Fig. 3 is the data flow schematic diagram under order line in payment process on center line of the present invention.
Embodiment
The present invention will be further described with reference to the accompanying drawings.
Please refer to Fig.1, Fig. 2 and Fig. 3, payment system under order line on line of the invention, including electronic third-party store 1,
Load on mobile APP 2, bluetooth accepting terminal 3 and the backstage payment system platform 4 of mobile terminal.Mobile terminal refers generally to hand
Machine.Mobile APP 2 includes store management module 21, order management module 22, payment module 23 and basic module, basic module bag
Include communication submodule 24, safe submodule 25, message submodule 26, transaction flow submodule 27, messenger service submodule 28, appoint
Business scheduling submodule 29.
Electronic third-party store 1 is embedded into mobile APP 2 with H5 page-modes.The formulation of store management module 21 has a set of
For moving the interface specification of interaction between APP 2 and electronic third-party store 1, including page interface, back office interface, realize
Synchronization request acknowledgement mechanism and reliable asynchronous notifications mechanism.
Trade company order of the user on electronic third-party store 1 pushes to mobile APP 2, forms user to be paid and orders
It is single.I.e.：Purchase request of the user in electronic third-party store 1 enters order management module 22 in the form of trade company's order, is formed
User's order to be paid, order management module 22 update user's order status.
Payment module 23 is interacted with bluetooth accepting terminal 3 and backstage payment system platform 4 respectively, to complete user
Order pays task.Specifically, mobile APP 2 is interacted by payment module 23 with bluetooth accepting terminal 3, bluetooth accepting terminal 3
The bank card information and password of user is gathered, passes to mobile APP 2.Specifically, mobile APP 2 is right by safe submodule 25
Bank card information and password are encrypted, by message submodule 26 by encrypted bank card information and password together with to be paid
User's order assemble to form transaction message together, transaction message is sent to backstage payment system by communicating submodule 24 and put down
Platform 4.User can also select other non-thread lower means of payment by payment module 23.
Backstage payment system platform 4 verifies the transaction message of reception, and assembling, which is formed under line, consumes message, and sends to outer
Portion's payment channel is into paying under line；After backstage payment system platform 4 receives external transaction successful respond, movement is sent to
APP 2；Mobile APP 2 updates user's order status, and order is paid successful message informing electronic third-party store 1.The
Tripartite's electronic emporium 1 accordingly enters the follow-up dispatching stage.So far, complete and paid on line under the line of order.In addition, as existing
There is technology, backstage payment system platform 4 provides supporting trade company's management, terminal management, trade management, air control, reconciliation, settle accounts calculation
Etc. function.
Each submodule concrete function of basic module is as follows in mobile APP 2：Communication submodule 24 is used to provide mobile APP
2 communication links between electronic third-party store 1, bluetooth accepting terminal 3 and backstage payment system platform 4 respectively.Safety
Submodule 25 is used to provide message secure cryptographic service.Message submodule 26 is used to provide message assembling and analysis service.Transaction
Flow submodule 27 is used for according to transaction characteristics, determines to call communication submodule 24, safe submodule 25 and message submodule 26
Order transaction flow submodule.Messenger service submodule 28 is used for realization message and sends mechanism, including：With/asynchronous message
Send, message queue is sent, message storage forwarding and message policies are sent.Task scheduling submodule 29 is used for for transaction and operation
Task provides timed task configuration management, batch processing task management and task scheduling control.
Above example is used for illustrative purposes only, rather than limitation of the present invention, the technology people in relation to technical field
Member, without departing from the spirit and scope of the present invention, can also make various conversion or modification, therefore all equivalent
Technical solution should also belong to scope of the invention, should be limited by each claim.
Claims (6)
1. payment system under order line on a kind of line, it is characterised in that including electronic third-party store, load on mobile terminal
Mobile APP, bluetooth accepting terminal and backstage payment system platform, wherein,
The electronic third-party store is embedded into the mobile APP with page-mode；
Trade company order of the user on the electronic third-party store pushes to the mobile APP, forms user to be paid and orders
It is single；
The bank card information and password of the bluetooth accepting terminal collection user, the movement is passed to using bluetooth communication mode
APP；
Bank card information and password is encrypted in the mobile APP, and by encrypted bank card information and password together with treating
User's order of payment assembles to form transaction message together, is sent to the backstage payment system platform；
The backstage payment system platform verifies the transaction message of reception, and assembling, which is formed under line, consumes message, and sends to outer
Portion's payment channel is into paying under line；
After the backstage payment system platform receives external transaction successful respond, the mobile APP is sent to；The movement
APP updates user's order status, and order is paid electronic third-party store described in successful message informing.
2. payment system under order line on line according to claim 1, it is characterised in that the mobile APP includes：
Formulating has a set of store management module for being used to move the interface specification of interaction between APP and electronic third-party store；
Trade company's order is formed to user's order to be paid, and updates the order management module of user's order status；And
Interacted respectively with the bluetooth accepting terminal and the backstage payment system platform, to complete the payment of user's order
The payment module of task.
3. payment system under order line on line according to claim 2, it is characterised in that further include：
For providing mobile APP respectively between electronic third-party store, bluetooth accepting terminal and backstage payment system platform
The communication submodule of communication link；
For providing the safe submodule of message secure cryptographic service；And
For providing the message submodule of message assembling and analysis service.
4. payment system under order line on line according to claim 3, it is characterised in that the mobile APP passes through safety
Bank card information and password is encrypted in submodule, and transaction message is assembled by message submodule, will by communicating submodule
Transaction message is sent to the backstage payment system platform.
5. payment system under order line on line according to claim 3, it is characterised in that further include：
For according to transaction characteristics, determining to call the transaction flow of the order of communication submodule, safe submodule and message submodule
Journey submodule；
It is used for realization the messenger service submodule that message sends mechanism；And
For providing appointing for timed task configuration management, batch processing task management and task scheduling control with job task to merchandise
Business scheduling submodule.
6. payment system under order line on line according to claim 5, it is characterised in that the message sends mechanism bag
Include：With/asynchronous message is sent, message queue is sent, message storage forwarding and message policies are sent.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711239533.5A CN107993068B (en) | 2017-11-30 | 2017-11-30 | Online ordering and offline payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711239533.5A CN107993068B (en) | 2017-11-30 | 2017-11-30 | Online ordering and offline payment system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN107993068A true CN107993068A (en) | 2018-05-04 |
| CN107993068B CN107993068B (en) | 2021-12-10 |
Family
ID=62034626
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711239533.5A Expired - Fee Related CN107993068B (en) | 2017-11-30 | 2017-11-30 | Online ordering and offline payment system |
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| Country | Link |
|---|---|
| CN (1) | CN107993068B (en) |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20010044756A1 (en) * | 1999-10-29 | 2001-11-22 | E-Duction, Inc. | Payroll deduction system and method including provision for financing and dispute resolution |
| CN102243740A (en) * | 2011-08-02 | 2011-11-16 | 马平 | Electronic payment method |
| CN102592377A (en) * | 2012-02-29 | 2012-07-18 | 福建联迪商用设备有限公司 | Method for realizing finance card terminal by Bluetooth mobile phone |
| CN103577977A (en) * | 2012-08-02 | 2014-02-12 | 中国银联股份有限公司 | Method and system for on-line shopping and off-line payment |
| CN103824185A (en) * | 2014-03-05 | 2014-05-28 | 平安付智能技术有限公司 | mobile intelligent terminal payment method and system based on low-power-consumption Bluetooth |
| CN104268745A (en) * | 2014-09-29 | 2015-01-07 | 余震辉 | On-line and off-line safety payment method |
| CN104967650A (en) * | 2015-02-06 | 2015-10-07 | 北京海涛国际旅行社有限公司 | Third-party e-commerce platform unified releasing method |
| CN106127467A (en) * | 2016-06-20 | 2016-11-16 | 上海易码信息科技有限公司 | The method of mobile payment integrating financial card paying and settle accounts |
-
2017
- 2017-11-30 CN CN201711239533.5A patent/CN107993068B/en not_active Expired - Fee Related
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20010044756A1 (en) * | 1999-10-29 | 2001-11-22 | E-Duction, Inc. | Payroll deduction system and method including provision for financing and dispute resolution |
| CN102243740A (en) * | 2011-08-02 | 2011-11-16 | 马平 | Electronic payment method |
| CN102592377A (en) * | 2012-02-29 | 2012-07-18 | 福建联迪商用设备有限公司 | Method for realizing finance card terminal by Bluetooth mobile phone |
| CN103577977A (en) * | 2012-08-02 | 2014-02-12 | 中国银联股份有限公司 | Method and system for on-line shopping and off-line payment |
| CN103824185A (en) * | 2014-03-05 | 2014-05-28 | 平安付智能技术有限公司 | mobile intelligent terminal payment method and system based on low-power-consumption Bluetooth |
| CN104268745A (en) * | 2014-09-29 | 2015-01-07 | 余震辉 | On-line and off-line safety payment method |
| CN104967650A (en) * | 2015-02-06 | 2015-10-07 | 北京海涛国际旅行社有限公司 | Third-party e-commerce platform unified releasing method |
| CN106127467A (en) * | 2016-06-20 | 2016-11-16 | 上海易码信息科技有限公司 | The method of mobile payment integrating financial card paying and settle accounts |
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| CN107993068B (en) | 2021-12-10 |
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