CN107993068B - Online ordering and offline payment system - Google Patents

Online ordering and offline payment system Download PDF

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CN107993068B
CN107993068B CN201711239533.5A CN201711239533A CN107993068B CN 107993068 B CN107993068 B CN 107993068B CN 201711239533 A CN201711239533 A CN 201711239533A CN 107993068 B CN107993068 B CN 107993068B
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message
module
mobile app
payment system
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CN107993068A (en
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薛暮松
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Fortunebill Technology Service Shanghai Co ltd
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Fortunebill Technology Service Shanghai 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
    • G06Q20/382—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)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
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  • General Business, Economics & Management (AREA)
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Abstract

The invention discloses an online ordering offline payment system which comprises a third-party electronic mall, a mobile APP loaded on a mobile terminal, a Bluetooth acceptance terminal and a background payment system platform, wherein the third-party electronic mall is embedded into the mobile APP in a page mode; the merchant order of the user on the third-party electronic mall is pushed to the mobile APP, and a user order to be paid is formed; the Bluetooth acceptance terminal collects bank card information and passwords of a user and transmits the bank card information and passwords to the mobile APP in a Bluetooth communication mode; the mobile APP encrypts the bank card information and the password, assembles the encrypted bank card information and the password together with a user order to be paid to form a transaction message, and sends the transaction message to the background payment system platform; and the background payment system platform checks the received transaction message, assembles the transaction message to form an offline consumption message and sends the offline consumption message to an external payment channel for offline payment. Thereby effectively improving the payment security.

Description

Online ordering and offline payment system
Technical Field
The present invention relates to the field of mobile payment.
Background
The rapid development of electronic commerce drives the explosive growth of online payment services. With the functions of smart phones becoming more powerful and the popularity becoming higher, people pay through smart phones in more scenes. Accordingly, higher demands are placed on security of mobile phone payments.
The online payment mode of the smart phone comprises quick, online banking and various personalized third party account payments. These online payment modes without exception require the cardholder to provide their payment account and password over the internet. For example, in the third party account payment scheme, the user needs to register an account in advance and bind a bank card. When the user purchases and settles accounts on line through the mobile phone, a registered account and a password are provided to complete the payment transaction. If the security of the operating system and the operating environment of the smart phone is insufficient, the payment security is poor, and the smart phone is easily damaged and threatened by viruses and trojans, so that personal information is leaked, bank accounts and passwords are stolen and tampered, and even account funds are lost. Only by sending the dynamic password short message to the mobile phone number registered by the user in advance, the security can be improved to a certain extent, and the potential safety hazard and the loophole of online payment still cannot be avoided.
As mentioned above, improving the security in the mobile phone payment process is a goal pursued by practitioners in the payment industry.
Disclosure of Invention
The invention aims to provide an online ordering offline payment system, which effectively improves the payment security.
The technical scheme for realizing the purpose is as follows:
an on-line ordering and off-line payment system comprises a third-party electronic mall, a mobile APP (application) loaded on a mobile terminal, a Bluetooth acceptance terminal and a background payment system platform, wherein,
the third-party electronic mall is embedded into the mobile APP in a page mode;
the merchant order of the user on the third-party electronic mall is pushed to the mobile APP, and a user order to be paid is formed;
the Bluetooth acceptance terminal collects bank card information and passwords of a user and transmits the bank card information and passwords to the mobile APP in a Bluetooth communication mode;
the mobile APP encrypts the bank card information and the password, assembles the encrypted bank card information and the password together with a user order to be paid to form a transaction message, and sends the transaction message to the background payment system platform;
the background payment system platform checks the received transaction message, assembles the transaction message to form an offline consumption message and sends the offline consumption message to an external payment channel for offline payment;
after receiving a successful response of the external transaction, the background payment system platform sends the response to the mobile APP; and the mobile APP updates the order state of the user and informs the third-party electronic mall of the successful order payment message.
Preferably, the mobile APP comprises:
a mall management module for establishing a set of interface specifications for interaction between the mobile APP and the third-party electronic mall;
the order management module forms a user order to be paid for the merchant order and updates the state of the user order; and
and the payment module is interacted with the Bluetooth acceptance terminal and the background payment system platform respectively to complete the order payment task of the user.
Preferably, the method further comprises the following steps:
the communication sub-module is used for providing communication links between the mobile APP and a third-party electronic mall, a Bluetooth acceptance terminal and a background payment system platform respectively;
the safety submodule is used for providing message safety encryption service; and
and the message submodule is used for providing message assembling and analyzing services.
Preferably, the mobile APP encrypts the bank card information and the password through the security sub-module, assembles the transaction message through the message sub-module, and sends the transaction message to the background payment system platform through the communication sub-module.
Preferably, the method further comprises the following steps:
the transaction flow sub-module is used for determining and calling the sequence of the communication sub-module, the safety sub-module and the message sub-module according to the transaction characteristics;
a message service sub-module for implementing a message sending mechanism; and
and the task scheduling submodule is used for providing timing task configuration management, batch processing task management and task scheduling control for the transaction and job tasks.
Preferably, the message sending mechanism includes: synchronous/asynchronous message sending, message queue sending, message store-and-forward and message strategy sending.
The invention has the beneficial effects that: the invention collects the information and the password of the user bank card through the acceptance terminal, the data exist in a ciphertext mode in the whole transaction data transmission chain, the acceptance terminal is a hardware device which is subjected to UnionPay security authentication, and a standard and strict secret key management mechanism is arranged between the acceptance terminal and a background payment system platform, so that the payment security is effectively guaranteed compared with the existing online payment mode of a mobile phone. Meanwhile, the third-party electronic mall embeds the H5 page (the page made by the html 5) into the mobile APP, and content scenes of the mobile APP are enriched. Moreover, an interface specification is provided for the mobile APP and the third-party electronic mall through the mall management module, and the operation stability is improved.
Drawings
FIG. 1 is a block diagram of an online order and offline payment system of the present invention;
FIG. 2 is a schematic diagram of modules of the mobile APP in the present invention;
FIG. 3 is a data flow diagram illustrating the online payment process for an online order according to the present invention.
Detailed Description
The invention will be further explained with reference to the drawings.
Referring to fig. 1, fig. 2 and fig. 3, the online order and offline payment system of the present invention includes a third-party electronic mall 1, a mobile APP 2 loaded on a mobile terminal, a bluetooth acceptance terminal 3 and a background payment system platform 4. The mobile terminal is generally referred to as a mobile phone. The mobile APP 2 comprises a mall management module 21, an order management module 22, a payment module 23 and a basic module, wherein the basic module comprises a communication sub-module 24, a security sub-module 25, a message sub-module 26, a transaction flow sub-module 27, a message service sub-module 28 and a task scheduling sub-module 29.
The third party e-mall 1 is embedded in mobile APP 2 in H5 page mode. The mall management module 21 sets a set of interface specifications for interaction between the mobile APP 2 and the third-party electronic mall 1, including a page interface and a background interface, and realizes a synchronous request response mechanism and a reliable asynchronous notification mechanism.
And pushing the merchant order of the user on the third-party electronic mall 1 to the mobile APP 2 to form a user order to be paid. Namely: the shopping request of the user in the third party electronic mall 1 enters the order management module 22 in the form of a merchant order to form a user order to be paid, and the order management module 22 updates the user order state.
The payment module 23 interacts with the bluetooth acceptance terminal 3 and the background payment system platform 4 respectively to complete the user order payment task. Specifically, remove APP 2 and accept terminal 3 mutually through payment module 23 and bluetooth, the bluetooth is accepted terminal 3 and is gathered user's bank card information and password, transmits for removing APP 2. Specifically, the mobile APP 2 encrypts the bank card information and the password through the security sub-module 25, assembles the encrypted bank card information and the encrypted password together with the user order to be paid through the message sub-module 26 to form a transaction message, and sends the transaction message to the background payment system platform 4 through the communication sub-module 24. The user may also select other non-offline payment methods via the payment module 23.
The background payment system platform 4 checks the received transaction message, assembles the transaction message to form an offline consumption message, and sends the offline consumption message to an external payment channel for offline payment; after receiving the successful response of the external transaction, the background payment system platform 4 sends the response to the mobile APP 2; and the mobile APP 2 updates the order state of the user and informs the third-party electronic mall 1 of the successful order payment message. The third party e-mall 1 accordingly enters the subsequent distribution phase. At this point, the offline payment of the online order is completed. In addition, as the prior art, the background payment system platform 4 provides the functions of merchant management, terminal management, transaction management, wind control, account checking, clearing and the like.
The specific functions of each sub-module of the basic module in the mobile APP 2 are as follows: the communication sub-module 24 is used for providing communication links between the mobile APP 2 and the third-party electronic mall 1, the bluetooth acceptance terminal 3 and the background payment system platform 4 respectively. The security sub-module 25 is used for providing message security encryption service. The message submodule 26 is used to provide message assembly and parsing services. The transaction flow sub-module 27 is used for determining and calling the order of the communication sub-module 24, the security sub-module 25 and the message sub-module 26 according to the transaction characteristics. The message service sub-module 28 is configured to implement a message sending mechanism, including: synchronous/asynchronous message sending, message queue sending, message store-and-forward and message strategy sending. Task scheduling submodule 29 is used to provide timed task configuration management, batch processing task management and task scheduling control for transaction and job tasks.
The above embodiments are provided only for illustrating the present invention and not for limiting the present invention, and those skilled in the art can make various changes and modifications without departing from the spirit and scope of the present invention, and therefore all equivalent technical solutions should also fall within the scope of the present invention, and should be defined by the claims.

Claims (1)

1. An on-line ordering and off-line payment system is characterized by comprising a third-party electronic mall, a mobile APP loaded on a mobile terminal, a Bluetooth acceptance terminal and a background payment system platform, wherein,
the third-party electronic mall is embedded into the mobile APP in a page mode;
the merchant order of the user on the third-party electronic mall is pushed to the mobile APP, and a user order to be paid is formed;
the Bluetooth acceptance terminal collects bank card information and passwords of a user and transmits the bank card information and passwords to the mobile APP in a Bluetooth communication mode, and the Bluetooth acceptance terminal is hardware equipment subjected to UnionPay security authentication;
the mobile APP encrypts the bank card information and the password, assembles the encrypted bank card information and the password together with a user order to be paid to form a transaction message, and sends the transaction message to the background payment system platform;
the background payment system platform checks the received transaction message, assembles the transaction message to form an offline consumption message and sends the offline consumption message to an external payment channel for offline payment, and a standard and strict key management mechanism is arranged between the background payment system platform and the Bluetooth acceptance terminal;
after receiving a successful response of the external transaction, the background payment system platform sends the response to the mobile APP; the mobile APP updates the order state of the user and informs the third-party electronic mall of the successful order payment message;
the mobile APP comprises: a mall management module with a set of interface specifications for interaction between a mobile APP and a third-party electronic mall is formulated, wherein the mall management module comprises a page interface and a background interface, and a synchronous request response mechanism and a reliable asynchronous notification mechanism are realized; the order management module forms a user order to be paid for the merchant order and updates the state of the user order; the payment module is respectively interacted with the Bluetooth acceptance terminal and the background payment system platform to complete the order payment task of the user;
the mobile APP further comprises: the communication sub-module is used for providing communication links between the mobile APP and a third-party electronic mall, a Bluetooth acceptance terminal and a background payment system platform respectively; the safety submodule is used for providing message safety encryption service; and a message sub-module for providing message assembly and parsing services;
the mobile APP encrypts the information and the password of the bank card through the security sub-module, assembles a transaction message through the message sub-module, and sends the transaction message to the background payment system platform through the communication sub-module;
the payment system further comprises:
the transaction flow sub-module is used for determining and calling the sequence of the communication sub-module, the safety sub-module and the message sub-module according to the transaction characteristics;
a message service sub-module for implementing a message sending mechanism; and
the task scheduling submodule is used for providing timing task configuration management, batch processing task management and task scheduling control for transaction and job tasks;
the message sending mechanism comprises: synchronous/asynchronous message sending, message queue sending, message store-and-forward and message strategy sending.
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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
CN102592377B (en) * 2012-02-29 2014-06-11 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
CN103824185B (en) * 2014-03-05 2017-08-08 平安壹钱包电子商务有限公司 A kind of mobile intelligent terminal method of payment 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
CN104967650B (en) * 2015-02-06 2016-05-18 北京海涛国际旅行社股份有限公司 Third party's electricity business platform is unified dissemination 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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