CN108416581A - A kind of methods, devices and systems of on-line payment - Google Patents
A kind of methods, devices and systems of on-line payment Download PDFInfo
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- CN108416581A CN108416581A CN201810232614.0A CN201810232614A CN108416581A CN 108416581 A CN108416581 A CN 108416581A CN 201810232614 A CN201810232614 A CN 201810232614A CN 108416581 A CN108416581 A CN 108416581A
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- 238000000034 method Methods 0.000 title claims abstract description 36
- 238000004891 communication Methods 0.000 claims abstract description 26
- 238000012790 confirmation Methods 0.000 claims description 15
- 230000005540 biological transmission Effects 0.000 claims description 6
- 230000007246 mechanism Effects 0.000 claims description 6
- 241000406668 Loxodonta cyclotis Species 0.000 claims description 2
- 238000012423 maintenance Methods 0.000 abstract description 9
- 230000000694 effects Effects 0.000 abstract description 4
- 238000005516 engineering process Methods 0.000 description 8
- 238000010168 coupling process Methods 0.000 description 3
- 238000005859 coupling reaction Methods 0.000 description 3
- 238000010586 diagram Methods 0.000 description 3
- 230000006870 function Effects 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 230000004044 response Effects 0.000 description 3
- LZDYZEGISBDSDP-UHFFFAOYSA-N 2-(1-ethylaziridin-1-ium-1-yl)ethanol Chemical compound OCC[N+]1(CC)CC1 LZDYZEGISBDSDP-UHFFFAOYSA-N 0.000 description 2
- 230000008878 coupling Effects 0.000 description 2
- 238000009434 installation Methods 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
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- 230000004888 barrier function Effects 0.000 description 1
- 238000002513 implantation Methods 0.000 description 1
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- 230000005764 inhibitory process Effects 0.000 description 1
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- 230000035484 reaction time Effects 0.000 description 1
- 238000010079 rubber tapping Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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Abstract
The present invention provides a kind of methods, devices and systems of on-line payment, are related to the technical field of on-line payment, including：Establishing after data communication connection between user terminal and the NFC chip of object to be paid, sends to the NFC chip of object to be paid and obtains request, to obtain object id information to be paid；After getting the identification information, operational order is sent to Third-party payment platform, so that Third-party payment platform establishes payment task according to the operational order, to complete the delivery operation that user terminal pays object to be paid.The present invention solve existing NFC on-line payments equipment purchase cost and maintenance cost it is higher, payment speed is slower, there is technical issues that safety of payment, having reached reduces the purchase cost and maintenance cost of NFC on-line payment equipment, payment speed is improved, the technique effect of safety of payment degree is enhanced.
Description
Technical field
The present invention relates to the technical fields of on-line payment, more particularly, to a kind of methods, devices and systems of on-line payment.
Background technology
Near field payment generally refers to consumer when buying commodity or service, and Instant Messenger crosses handheld device (generally mobile phone
Or wearable device) paid to businessman, the processing of payment carries out at the scene, uses mobile phone radio frequency (NFC), infrared, bluetooth
The local communication with automatic vending machine and POS machine is realized in equal channels.
NFC (Near Field Communication) is a kind of contactless communication mode of short distance, it is combined
Non-contact inductive and wireless connection technology, act on 13.56Mhz frequency bands, transmission range about 10CM or so.Transmission speed
It is at present 106Kbit/s, 212Kbit/s or 424Kbit/s, can be improved in the future to 1Mb or so.It is not only conformed with
ISO18092, ISO21481, ECMA (356) and 102190 standards of ETSI TS 340,352 and, and with use
The widely applied contactless smart card infrastructure device compatibility of ISO14443A, B standard.Such as the MIFARE technologies and rope of Philip
The Felica technologies of Buddhist nun.
Compared with other short-distance wireless communication technologies, NFC is safer, and the reaction time is shorter, therefore is highly suitable as
Stored value card technology under wireless transmission environments, transaction is quickly and with safety.
There are three types of operating modes by NFC：
1 mode card refers in non-contact mobile payment, such as market, traffic application, user only to need to lean on mobile phone
Nearly card reader, then user need to only input password confirming transaction or directly reception is merchandised.Such as gate inhibition's control, ticket,
Admission ticket etc..Under such mode, card is powered by the domains RF of contactless card reader, and even mobile phone out of power can also work
Make.
2 peer-to-peer modes：Realize wireless data exchange, the linking of devices for having NFC function by two can be realized
Data point-to-point transmission, such as down-load music exchange picture or synchronizer address book.Therefore by NFC, multiple equipment is in full
Word camera, PDA, computer between mobile phone, can be carried out wireless cooperation, swap date or service.
3 card reader patterns：It uses as contactless card reader, for example is read from poster or Exhibition Information electronic tag
Take relevant information.
Since NFC is compatible with existing contactless smart card technology, obtained at present more and more manufacturers support and at
For official standard.The mobile phone of built-in NFC module currently, each mobile phone producer releases one after another.The people of mobile phone with NFC module is more next
It is more.
Two kinds of currently a popular near field mobile-phone payments, one is Quick Response Code, another kind is to use mobile phone built-in security chip
Simulate card.
Quick Response Code stores information using planar graph, and a side generates and read by another party.When scanning, by camera or item
Code scanner reads information.But there are counterfeit, the implantation safety problems such as harmful link for Quick Response Code, and when scanning to equipment, light,
Distance requires, and recognition speed is slower after scanning.
Card mode is simulated using mobile phone, built-in NFC safety chips (i.e. SE) are realized generally in mobile phone.Due to a hand
Machine can store multiple cards, can solve the problems, such as to carry multiple cards.Since SE costs are higher, and different industries,
It does not seek unity of standard between area and mobile phone producer, POS producers, card producer, there is technical barrier between each other.In addition, needing
Certain cost is wanted to buy and safeguard object terminal to be paid.Therefore its usage scenario is restricted, application range is very small at present.
Invention content
In view of this, the purpose of the present invention is to provide a kind of methods, devices and systems of on-line payment, it is existing to alleviate
The purchase cost and maintenance cost of NFC on-line payment equipment are higher, the slower technical problem of payment speed.
In a first aspect, an embodiment of the present invention provides a kind of method of on-line payment, this method includes：In user terminal and
Establishing after data communication connection between the NFC chip of object to be paid, obtains to the transmission of the NFC chip of the object to be paid
Request is taken, to obtain the object id information to be paid；After getting the identification information, to Third-party payment platform
Operational order is sent, so that the Third-party payment platform establishes payment task according to the operational order, to complete the use
The delivery operation that object to be paid described in the terminal-pair of family is paid, wherein the identification information is carried in the operational order.
Further, the identification information is the identification information after encryption, after getting the identification information, to
Third-party payment platform sends operational order：The identification information is parsed, the plaintext of the identification information is obtained
Information；The operational order for carrying the cleartext information is sent to the Third-party payment platform.
Further, sending operational order to Third-party payment platform further includes：It is sent to the Third-party payment platform
Open command is paid, so that the Third-party payment platform is based on the payment open command and opens the payment page.
Further, after sending operational order to Third-party payment platform, the method further includes：In the user
Terminal detects that the delivery operation after the delivery operation for opening payment page triggering, is sent to described the by user
Tripartite's payment platform, so that the Third-party payment platform completes delivery operation.
Further, the user terminal detect user it is described open payment the page triggering delivery operation it
Afterwards, the method further includes：It obtains the Third-party payment platform and executes operating result after the delivery operation, wherein
The operating result includes：Identity verifying information；It is flat to the Third-party payment after getting the identity verifying information
Platform sends the confirmation message of the identity verifying information；Wherein, the Third-party payment platform is getting the confirmation message
Later, payment result is returned to the user terminal.
Second aspect, an embodiment of the present invention provides a kind of device of on-line payment, which includes：Communication device, institute
It states communication device and is used for establishing after data communication connection between user terminal and the NFC chip of object to be paid, to institute
The NFC chip for stating object to be paid sends acquisition request, to obtain the object id information to be paid；Payment mechanism, it is described
Payment mechanism is used for after getting the identification information, and operational order is sent to Third-party payment platform, so that described the
Tripartite's payment platform establishes payment task according to the operational order, with complete the user terminal to the object to be paid into
The delivery operation of row payment, wherein the identification information is carried in the operational order.
The third aspect, an embodiment of the present invention provides a kind of system of on-line payment, which includes：User terminal waits for
Pay the NFC chip of object, wherein the user terminal is to be equipped with NFC module and the terminal of payment client terminal, when the use
When family terminal and the distance between the NFC chip of the payment object are less than pre-determined distance, the NFC module of the user terminal and
Communication connection is established between the NFC chip of the object to be paid；Wherein, in the user terminal and the object to be paid
Establishing after data communication connection between NFC chip, sends to the NFC chip of the object to be paid and obtains request, to obtain
Take the object id information to be paid；And the user terminal is after getting the identification information, to third party's branch
It pays platform and sends operational order, so that the Third-party payment platform establishes payment task according to the operational order, to complete
The delivery operation that the user terminal pays the object to be paid, wherein the mark is carried in the operational order
Know information.
Further, the system also includes：Third-party payment platform, the Third-party payment platform are whole with the user
End is connected, and the operational order sent for receiving the user terminal executes corresponding delivery operation, completes payment task,
And payment result is sent to the user terminal, and carry out capital settlement according to predetermined period and trade company.
Further, the system also includes：Object terminal to be paid, the object terminal to be paid and the third party
Payment platform is connected, the payment result sent for receiving the Third-party payment software.
Further, the system also includes：A kind of calculating for the non-volatile program code that can perform with processor
Machine readable medium, which is characterized in that said program code makes the processor execute any side in the claims 1-5
Method.
In embodiments of the present invention, directly straight with the NFC chip of object to be paid by the user terminal of installation NFC module
The mode for tapping into row data communication, branch higher to solve the purchase cost of existing NFC on-line payments equipment and maintenance cost
Pay speed it is slower, there is technical issues that safety of payment, reached reduce NFC on-line payment equipment purchase cost and
Maintenance cost improves payment speed, enhances the technique effect of safety of payment degree.
Other features and advantages of the present invention will illustrate in the following description, also, partly become from specification
It obtains it is clear that understand through the implementation of the invention.The purpose of the present invention and other advantages are in specification, claims
And specifically noted structure is realized and is obtained in attached drawing.
To enable the above objects, features and advantages of the present invention to be clearer and more comprehensible, preferred embodiment cited below particularly, and coordinate
Appended attached drawing, is described in detail below.
Description of the drawings
It, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical solution in the prior art
Embodiment or attached drawing needed to be used in the description of the prior art are briefly described, it should be apparent that, in being described below
Attached drawing is some embodiments of the present invention, for those of ordinary skill in the art, before not making the creative labor
It puts, other drawings may also be obtained based on these drawings.
Fig. 1 is a kind of flow chart of the method for on-line payment provided in an embodiment of the present invention；
Fig. 2 is the flow chart of the method for another on-line payment provided in an embodiment of the present invention；
Fig. 3 is the schematic diagram of the device of another on-line payment provided in an embodiment of the present invention；
Fig. 4 is the schematic diagram of the system of another on-line payment provided in an embodiment of the present invention.
Specific implementation mode
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with attached drawing to the present invention
Technical solution be clearly and completely described, it is clear that described embodiments are some of the embodiments of the present invention, rather than
Whole embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not making creative work premise
Lower obtained every other embodiment, shall fall within the protection scope of the present invention.
Embodiment one：
According to embodiments of the present invention, a kind of embodiment of the method for on-line payment is provided, it should be noted that in attached drawing
The step of flow illustrates can execute in the computer system of such as a group of computer-executable instructions, although also,
Logical order is shown in flow chart, but in some cases, it can be to execute shown different from sequence herein or retouch
The step of stating.
Fig. 1 is a kind of method of on-line payment according to the ... of the embodiment of the present invention, as shown in Figure 1, this method includes following step
Suddenly：
Step S102, establishing after data communication connection between user terminal and the NFC chip of object to be paid, to
The NFC chip of the object to be paid, which is sent, obtains request, to obtain the object id information to be paid.
Step S104 sends operational order, so that institute after getting the identification information to Third-party payment platform
It states Third-party payment platform and payment task is established according to the operational order, to complete the user terminal to described to be paid right
As the delivery operation paid, wherein carry the identification information in the operational order.
In the bright embodiment of we, first, the data of establishing between user terminal and the NFC chip of object to be paid are led to
After letter connection, is sent to the NFC chip of object to be paid and obtain request, to obtain object id information to be paid；In turn, exist
After getting the identification information, operational order is sent to Third-party payment platform, so that the Third-party payment platform root
Payment task is established according to the operational order, is grasped with completing the payment that the user terminal pays the object to be paid
Make.Higher to solve the purchase cost of existing NFC on-line payments equipment and maintenance cost, payment speed is slower, there is branch
The technical issues of paying security risk has reached the purchase cost and maintenance cost for reducing NFC on-line payment equipment, improves payment
Speed enhances the technique effect of safety of payment degree.
In embodiments of the present invention, it as shown in Fig. 2, the identification information is the identification information after encryption, is getting
After the identification information, sending operational order to Third-party payment platform includes：
Step S11 parses the identification information, obtains the cleartext information of the identification information.
Step S12 sends the operational order for carrying the cleartext information to the Third-party payment platform.
In embodiments of the present invention, after the user terminal gets encrypted identification information, to the encryption identification
Information is parsed, and obtains the cleartext information of the identification information, and the operational order comprising the cleartext information is sent to
The Third-party payment platform, to ensure that the safety coefficient in payment process.
In embodiments of the present invention, as shown in Fig. 2, step S104, sends operational order to Third-party payment platform and also wrap
It includes：
Step S21 sends payment open command, so that the Third-party payment platform base to the Third-party payment platform
The payment page is opened in the payment open command.
In embodiments of the present invention, it is also wrapped in the operational order that the user terminal is sent to the Third-party payment platform
The open command for including the unlatching Third-party payment platform payment page has saved the branch of user to improve payment speed
Pay the time.
In embodiments of the present invention, after sending operational order to Third-party payment platform, the method further includes：
Step S22 detects user after the delivery operation for opening payment page triggering in the user terminal,
The delivery operation is sent to the Third-party payment platform, so that the Third-party payment platform completes payment task.
In embodiments of the present invention, after user triggers delivery operation in the unlatching payment page, will, it will be described
Delivery operation is sent to the Third-party payment platform, and payment platform completes payment based on the information for including in the delivery operation
Task, wherein the information for including in the delivery operation includes：Payment amount, the means of payment and name of firm.
In embodiments of the present invention, as shown in Fig. 2, detecting that user pays the page in the unlatching in the user terminal
After the delivery operation of triggering, the method further includes：
Step S31 obtains the Third-party payment platform and executes operating result after the delivery operation, wherein institute
Stating operating result includes：Identity verifying information.
Step S32 sends the identity after getting the identity verifying information to the Third-party payment platform
The confirmation message of check information.
Wherein, the Third-party payment platform is after getting the confirmation message, completes the payment task, and to
The user terminal returns to payment result.
In embodiments of the present invention, when the user terminal detects user in the delivery operation for opening the payment page
Afterwards, the command adapted thereto of the delivery operation is sent to the Third-party payment platform, the Third-party payment platform is to described
User terminal sends identity verifying information, and user completes the confirmation message of the identity verifying information on the user terminal
(confirmation message includes：Fill in payment cipher or verification finger print information or verification face information etc.), and by the confirmation letter
Breath is sent to the Third-party payment platform, the Third-party payment platform get it is described after going confirmation message, described in completion
Payment task, and feed back payment result to the user terminal.
The method for introducing above-mentioned on-line payment below in conjunction with a specific embodiment.
For example, in a market, the NFC chip of oneself is mounted on the suitable position in trade company shop by trade company, works as user
When being done shopping in the shop of trade company and being ready for payment, user close to the NFC chip of the trade company, builds user terminal
Vertical data connection between user terminal and the NFC chip of the trade company, the user terminal get the NFC cores of the trade company
The merchant identification for including in piece, and start the corresponding Third-party payment client or payment plug-in unit, into the payment page.
User completes payment information in the payment page, and the payment information includes：Payment Amount is filled in, selection is paid
Money mode confirms name of firm, the payment information is then sent to the Third-party payment platform, the Third-party payment
Platform sends identity verifying information after getting the payment information, to the user terminal, and user completes the identity school
The confirmation message of information is tested, and the confirmation message is sent to the Third-party payment platform, the Third-party payment platform
Based on the confirmation message, the fund in the account bound in the payment platform to user carries out drawing button, completes payment and appoints
Business, and payment result is sent to the user terminal and merchant tenninal, finally, the Third-party payment platform periodically with trade company into
Row capital settlement.
Embodiment two：
Fig. 3 is according to a kind of schematic device of on-line payment of the present embodiment, as shown in figure 3, the device includes：Communication
Device 51 and payment mechanism 52, wherein
The communication device 51 between user terminal and the NFC chip of object to be paid for establishing data communication link
After connecing, is sent to the NFC chip of the object to be paid and obtain request, to obtain the object id information to be paid.
The payment mechanism 52 is used for after getting the identification information, and sending operation to Third-party payment platform refers to
It enables, so that the Third-party payment platform establishes payment task according to the operational order, to complete the user terminal to institute
State the delivery operation that object to be paid is paid, wherein carry the identification information in the operational order.
In embodiments of the present invention, first, the data of establishing between user terminal and the NFC chip of object to be paid are led to
After letter connection, is sent to the NFC chip of object to be paid and obtain request, to obtain object id information to be paid；Then, exist
After getting the identification information, operational order is sent to Third-party payment platform, so that the Third-party payment platform root
Payment task is established according to the operational order, is grasped with completing the payment that the user terminal pays the object to be paid
Make.Higher to solve the purchase cost of existing NFC on-line payments equipment and maintenance cost, payment speed is slower, there is branch
The technical issues of paying security risk has reached the purchase cost and maintenance cost for reducing NFC on-line payment equipment, improves payment
Speed enhances the technique effect of safety of payment degree.
Embodiment three：
Fig. 4 is a kind of schematic diagram of the system of on-line payment according to the ... of the embodiment of the present invention, as shown in figure 4, the system packet
It includes：User terminal 10, the NFC chip 20 of object to be paid, Third-party payment platform 30 and object terminal 40 to be paid, wherein
The user terminal 10 is to be equipped with NFC module and the terminal of payment client terminal, when the user terminal 10 with it is described to be paid
When the distance between NFC chip 20 of object is less than pre-determined distance, the NFC module of the user terminal 10 and described to be paid right
Communication connection is established between the NFC chip of elephant；
Optionally, data communication is established between the user terminal 10 and the NFC chip 20 of the object to be paid
It after connection, is sent to the NFC chip 20 of the object to be paid and obtains request, believed with obtaining the object identity to be paid
Breath；And the user terminal 10 sends to the Third-party payment platform 30 and operates after getting the identification information
Instruction, so that the Third-party payment platform 30 establishes payment task according to the operational order, to complete the user terminal
The delivery operation that 10 pairs of objects to be paid are paid, wherein the identification information is carried in the operational order.
Optionally, the Third-party payment platform 30 is connected with the user terminal 10, whole for receiving the user
The operational order that end 10 is sent executes corresponding delivery operation, completes payment task, and payment result is sent to the user
Terminal 10, and carry out capital settlement according to predetermined period and trade company.
Optionally, the object terminal 40 to be paid is connected with the Third-party payment platform 30, described for receiving
The payment result that Third-party payment software 30 is sent.
Next, in conjunction with Fig. 4, the course of work of the on-line payment system is introduced.
In embodiments of the present invention, user by user, establish and use close to the NFC chip 20 of the object to be paid eventually by 10 ends
Data connection between family terminal and the NFC chip 20 of the object to be paid, the user terminal get described to be paid
The identification information for including in the NFC chip of object, and start the corresponding Third-party payment client or payment plug-in unit, into
Enter to pay the page.
User fills in payment information in the payment page, and the payment information includes：Payment Amount selects paying party
Formula confirms the title of object to be paid, and the payment information is sent to the Third-party payment platform 30, the third party
Payment platform obtain 30 get the payment information after, to the user terminal 10 send identity verifying information, user complete institute
The confirmation message of identity verifying information is stated, and the confirmation message is sent to the Third-party payment platform 30, the third
Square payment platform 30 is based on the confirmation message, the fund in the account bound in the Third-party payment platform 30 to user
It carries out drawing button, completes payment task, and payment result is sent to the user terminal 10 and the object terminal 40 to be paid.
In addition, in the description of the embodiment of the present invention unless specifically defined or limited otherwise, term " installation ", " phase
Even ", " connection " shall be understood in a broad sense, for example, it may be being fixedly connected, may be a detachable connection, or be integrally connected；It can
Can also be electrical connection to be mechanical connection；It can be directly connected, can also indirectly connected through an intermediary, Ke Yishi
Connection inside two elements.For the ordinary skill in the art, above-mentioned term can be understood at this with concrete condition
Concrete meaning in invention.
In the description of the present invention, it should be noted that term "center", "upper", "lower", "left", "right", "vertical",
The orientation or positional relationship of the instructions such as "horizontal", "inner", "outside" be based on the orientation or positional relationship shown in the drawings, merely to
Convenient for the description present invention and simplify description, do not indicate or imply the indicated device or element must have a particular orientation,
With specific azimuth configuration and operation, therefore it is not considered as limiting the invention.In addition, term " first ", " second ",
" third " is used for description purposes only, and is not understood to indicate or imply relative importance.
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, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed systems, devices and methods, it can be with
It realizes by another way.The apparatus embodiments described above are merely exemplary, for example, the division of the unit,
Only a kind of division of logic function, formula that in actual implementation, there may be another division manner, in another example, multiple units or component can
To combine or be desirably integrated into another system, or some features can be ignored or not executed.Another point, it is shown or beg for
The mutual coupling, direct-coupling or communication connection of opinion can be by some communication interfaces, device or unit it is indirect
Coupling or communication connection can be electrical, machinery or other forms.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, it can also
It is that each unit physically exists alone, it can also be during two or more units be integrated in one unit.
It, can be with if the function is realized in the form of SFU software functional unit and when sold or used as an independent product
It is stored in the executable non-volatile computer read/write memory medium of a processor.Based on this understanding, of the invention
Technical solution substantially the part of the part that contributes to existing technology or the technical solution can be with software in other words
The form of product embodies, which is stored in a storage medium, including some instructions use so that
One computer equipment (can be personal computer, server or the network equipment etc.) executes each embodiment institute of the present invention
State all or part of step of method.And storage medium above-mentioned includes：USB flash disk, mobile hard disk, read-only memory (ROM, Read-
Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with
Store the medium of program code.
Finally it should be noted that：Embodiment described above, only specific implementation mode of the invention, to illustrate the present invention
Technical solution, rather than its limitations, scope of protection of the present invention is not limited thereto, although with reference to the foregoing embodiments to this hair
It is bright to be described in detail, it will be understood by those of ordinary skill in the art that：Any one skilled in the art
In the technical scope disclosed by the present invention, it can still modify to the technical solution recorded in previous embodiment or can be light
It is readily conceivable that variation or equivalent replacement of some of the technical features；And these modifications, variation or replacement, do not make
The essence of corresponding technical solution is detached from the spirit and scope of technical solution of the embodiment of the present invention, should all cover the protection in the present invention
Within the scope of.Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. a kind of method of on-line payment, which is characterized in that including：
Establishing after data communication connection between user terminal and the NFC chip of object to be paid, to described to be paid right
The NFC chip of elephant, which is sent, obtains request, to obtain the object id information to be paid；
After getting the identification information, operational order is sent to Third-party payment platform, so that the Third-party payment
Platform establishes payment task according to the operational order, is paid to the object to be paid with to complete the user terminal
Delivery operation, wherein the identification information is carried in the operational order.
2. according to the method described in claim 1, it is characterized in that, the identification information be encryption after identification information,
After getting the identification information, sending operational order to Third-party payment platform includes：
The identification information is parsed, the cleartext information of the identification information is obtained；
The operational order for carrying the cleartext information is sent to the Third-party payment platform.
3. according to the method described in claim 1, it is characterized in that, further including to Third-party payment platform transmission operational order：
Payment open command is sent to the Third-party payment platform, so that the Third-party payment platform is based on the payment and opens
It opens instruction and opens the payment page.
4. according to the method described in claim 3, it is characterized in that, to Third-party payment platform send operational order after,
The method further includes：
Detect that after the delivery operation for opening payment page triggering, the payment is grasped by user in the user terminal
It is sent to the Third-party payment platform, so that the Third-party payment platform completes payment task.
5. according to the method described in claim 4, it is characterized in that, detecting user in unlatching branch in the user terminal
After the delivery operation for paying page triggering, the method further includes：
It obtains the Third-party payment platform and executes operating result after the delivery operation, wherein the operating result packet
It includes：Identity verifying information；
After getting the identity verifying information, the identity verifying information is sent really to the Third-party payment platform
Recognize information；
Wherein, the Third-party payment platform is after getting the confirmation message, completes the payment task, and to described
User terminal returns to payment result.
6. a kind of device of on-line payment, which is characterized in that including：
Communication device, establish data of the communication device between user terminal and the NFC chip of object to be paid are led to
It after letter connection, is sent to the NFC chip of the object to be paid and obtains request, believed with obtaining the object identity to be paid
Breath；
Payment mechanism, the payment mechanism are used for after getting the identification information, are sent and are grasped to Third-party payment platform
It instructs, so that the Third-party payment platform establishes payment task according to the operational order, to complete the user terminal
The delivery operation that the object to be paid is paid, wherein the identification information is carried in the operational order.
7. a kind of system of on-line payment, which is characterized in that the system comprises：User terminal, the NFC cores of object to be paid
Piece, wherein the user terminal is to be equipped with NFC module and the terminal of payment client terminal, when the user terminal and the branch
When paying the distance between NFC chip of object less than pre-determined distance, the NFC module of the user terminal and the object to be paid
NFC chip between establish communication connection；
Wherein, establishing after data communication connection between the user terminal and the NFC chip of the object to be paid, to
The NFC chip of the object to be paid, which is sent, obtains request, to obtain the object id information to be paid；And the use
Family terminal sends operational order after getting the identification information, to Third-party payment platform, so that third party's branch
It pays platform and payment task is established according to the operational order, the object to be paid is paid with completing the user terminal
Delivery operation, wherein the identification information is carried in the operational order.
8. system according to claim 6, which is characterized in that the system also includes：
Third-party payment platform, the Third-party payment platform are connected with the user terminal, whole for receiving the user
The operational order sent is held, corresponding delivery operation is executed, completes payment task, and payment result is sent to user's end
End, and carry out capital settlement according to predetermined period and trade company.
9. system according to claim 8, which is characterized in that the system also includes：
Object terminal to be paid, the object terminal to be paid are connected with the Third-party payment platform, described for receiving
The payment result that Third-party payment software is sent.
10. a kind of computer-readable medium for the non-volatile program code that can perform with processor, which is characterized in that described
Program code makes the processor execute any the method in the claims 1-5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201810232614.0A CN108416581A (en) | 2018-03-20 | 2018-03-20 | A kind of methods, devices and systems of on-line payment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810232614.0A CN108416581A (en) | 2018-03-20 | 2018-03-20 | A kind of methods, devices and systems of on-line payment |
Publications (1)
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| CN108416581A true CN108416581A (en) | 2018-08-17 |
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|---|---|---|---|
| CN201810232614.0A Pending CN108416581A (en) | 2018-03-20 | 2018-03-20 | A kind of methods, devices and systems of on-line payment |
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