CN108681899A - Method of payment and payment system - Google Patents
Method of payment and payment system Download PDFInfo
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- CN108681899A CN108681899A CN201810480923.XA CN201810480923A CN108681899A CN 108681899 A CN108681899 A CN 108681899A CN 201810480923 A CN201810480923 A CN 201810480923A CN 108681899 A CN108681899 A CN 108681899A
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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
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Abstract
The invention discloses a kind of method of payment and payment systems.The method of payment includes：Safety verification platform obtains the payment verification request of bank payment settlement system, and payment verification request includes the corresponding payment terminal number of payment account and payment cost information；Safety verification platform inquires the calling connection relationship between the safety verification platform pre-established payment terminal corresponding with payment terminal number according to payment terminal number；Safety verification platform sends payment information by calling connection relationship to payment terminal, and payment information includes the payment cost information；Payment terminal returns to payment affirmation information according to payment information to safety verification platform, so that the payment affirmation information that bank payment settlement system is returned according to safety verification platform deducts fees accordingly to payment account.The present invention improves the safety that mobile phone exempts from close payment, avoids the economic loss of user to a certain extent.
Description
Technical field
The present invention relates to field of communication technology, more particularly to a kind of method of payment and payment system.
Background technology
Currently, mobile-phone payment increasingly receives an acclaim, in order to reach the target that payment and settlement is rapidly completed, Hen Duozhi
It pays program and is all provided with the function of exempting from close payment.Exempt from close payment and often brings certain risk to user, for example, presently, there are
A kind of attack pattern be unwitting in user, maliciously usurp the payment account of user and the mobile phone branch of user mobile phone
Program is paid, the whole mobile phone payment software of user is cloned on another mobile phone, clone's mobile phone can pretend to be user
It carries out small amount and exempts from close payment, certain economic loss is caused to user.
Therefore, in the prior art to exempt from close method of payment, safety is relatively low, is easy to cause certain economic damage to user
It loses.
Invention content
A kind of method of payment of present invention offer and payment system, exempt from the safety of close payment for improving mobile phone, certain
The economic loss of user is avoided in degree.
To achieve the above object, the present invention provides a kind of method of payment, which includes：
Safety verification platform obtains the payment verification request of bank payment settlement system, and the payment verification request includes branch
Pay a bill the corresponding payment terminal number in family and payment cost information；
The safety verification platform inquires the safety verification platform pre-established according to the payment terminal number
Calling connection relationship between payment terminal corresponding with the payment terminal number；
The safety verification platform sends payment information, the branch by the calling connection relationship to the payment terminal
It includes the payment cost information to pay information；
The payment terminal returns to payment affirmation information according to the payment information to the safety verification platform, for institute
State the payment affirmation information that bank payment settlement system is returned according to the safety verification platform to the payment account into
Row is deducted fees accordingly.
Optionally, further include before the payment verification request of the safety verification platform acquisition bank payment settlement system：
The bank payment settlement system obtains request of deducting fees, and the request of deducting fees includes the payment account and the branch
Pay cost information；
The bank payment settlement system sends the payment verification request to the safety verification platform.
Optionally, before the bank payment settlement system sends the payment verification request to the safety verification platform
Further include：
In correspondence of the bank payment settlement system from the payment account pre-established with payment terminal number, look into
Ask out the corresponding payment terminal number of the payment account.
Optionally, bank payment settlement system acquisition, which is deducted fees before request, further includes：
The payment terminal sends payment identification information to cash receiving terminal, and the payment identification information includes that the branch is paid a bill
Family；
The cash receiving terminal to the corresponding bank payment settlement system of the payment account send described in deduct fees request.
Optionally, further include before the payment terminal sends payment identification information to cash receiving terminal：
The payment terminal sends the corresponding payment terminal number of the payment account to the safety verification platform；
The safety verification platform initiates to call according to the payment terminal number to the payment terminal, and is arranged to state and exhale
The type of call cried is payment verification；
The payment terminal identifies the type of call of the calling between payment verification, with the safety verification platform
Establish the calling connection relationship.
To achieve the above object, the present invention provides a kind of payment system, which includes safety verification platform, bank
Payment and settlement system and payment terminal；
The safety verification platform is used to obtain the payment verification request of the bank payment settlement system, and the payment is tested
Card request includes the corresponding payment terminal number of payment account and payment cost information；According to the payment terminal number, inquiry
The calling connection gone out between the safety verification platform pre-established payment terminal corresponding with the payment terminal number is closed
System；Payment information is sent to the payment terminal by the calling connection relationship, the payment information includes the branch payment
Use information；
The payment terminal is used to return to payment affirmation information to the safety verification platform according to the payment information；
The payment affirmation information pair that the bank payment settlement system is used to be returned according to the safety verification platform
The payment account is deducted fees accordingly.
Optionally, the bank payment settlement system is additionally operable to obtain request of deducting fees, and the request of deducting fees includes the branch
It pays a bill family and the payment cost information；The payment verification request is sent to the safety verification platform.
Optionally, the bank payment settlement system is additionally operable to from the payment account pre-established and payment terminal number
In correspondence, the corresponding payment terminal number of the payment account is inquired.
Optionally, which further includes cash receiving terminal；
The payment terminal is additionally operable to send payment identification information to cash receiving terminal, and the payment identification information includes described
Payment account；
The cash receiving terminal is used to deduct fees to described in the corresponding bank payment settlement system transmission of the payment account
Request.
Optionally, the payment terminal is additionally operable to send the corresponding payment of the payment account to the safety verification platform
Termination number；
The safety verification platform is additionally operable to initiate to call to the payment terminal according to the payment terminal number, and sets
It is payment verification to set and state the type of call of calling；
The payment terminal is additionally operable to identify that the type of call of the calling is payment verification, flat with the safety verification
The calling connection relationship is established between platform.
The present invention has the advantages that：
In the technical solution of method of payment and payment system provided by the present invention, safety verification platform is according to payment terminal
Number, the calling connection inquired between the safety verification platform pre-established payment terminal corresponding with payment terminal number are closed
System, and payment information is sent to payment terminal by calling connection relationship, payment terminal is flat to safety verification according to payment information
Platform returns to payment affirmation information, and bank payment settlement system deducts fees accordingly to payment account according to payment affirmation information.
Safety verification platform sends payment information by the calling connection relationship pre-established to payment terminal, and only payment terminal confirms
Payment information could be completed to exempt from close payment, to improve the safety that mobile phone exempts from close payment, avoid to a certain extent
The economic loss of user.
Description of the drawings
Fig. 1 is a kind of flow chart for method of payment that the embodiment of the present invention one provides；
Fig. 2 is a kind of flow chart of method of payment provided by Embodiment 2 of the present invention；
Fig. 3 is a kind of structural schematic diagram for payment system that the embodiment of the present invention three provides.
Specific implementation mode
To make those skilled in the art more fully understand technical scheme of the present invention, the present invention is carried below in conjunction with the accompanying drawings
The method of payment and payment system of confession are described in detail.
Fig. 1 is a kind of flow chart for method of payment that the embodiment of the present invention one provides, as shown in Figure 1, the method for payment packet
It includes：
Step 101, safety verification platform obtain the payment verification request of bank payment settlement system, payment verification request bag
Include the corresponding payment terminal number of payment account and payment cost information.
Step 102, safety verification platform inquire the safety verification platform pre-established and branch according to payment terminal number
Pay the calling connection relationship between the corresponding payment terminal of termination number.
Step 103, safety verification platform send payment information, payment information packet by calling connection relationship to payment terminal
Include payment cost information.
Step 104, payment terminal return to payment affirmation information according to payment information to safety verification platform.
Step 105, safety verification platform return to payment affirmation information to bank payment settlement system.
Step 106, bank payment settlement system deduct fees accordingly to payment account according to payment affirmation information.
In the technical solution for the method for payment that the present embodiment is provided, safety verification platform is looked into according to payment terminal number
The calling connection relationship between the safety verification platform pre-established payment terminal corresponding with payment terminal number is ask out, and is led to
It crosses calling connection relationship and sends payment information to payment terminal, payment terminal returns to branch according to payment information to safety verification platform
Confirmation message is paid, bank payment settlement system deducts fees accordingly to payment account according to payment affirmation information.Safety verification
Platform sends payment information by the calling connection relationship pre-established to payment terminal, and only payment terminal confirmed disbursement letter
Breath could be completed to exempt from close payment, to improve the safety that mobile phone exempts from close payment, avoid the warp of user to a certain extent
Ji loss.
Fig. 2 is a kind of flow chart of method of payment provided by Embodiment 2 of the present invention, as shown in Fig. 2, the method for payment packet
It includes：
Step 201, payment terminal send the corresponding payment terminal number of payment account to safety verification platform.
In the present embodiment, payment terminal can be mobile phone, payment client terminal is provided in payment terminal, for example, Alipay
Deng.After user starts payment client terminal in payment terminal, payment terminal number is sent to by payment client terminal automatically immediately
Safety verification platform, wherein payment terminal number is the payment corresponding to the payment account that user gives tacit consent on payment client terminal
Termination number.For example, payment account is bank card number, payment terminal number is phone number.It should be noted that paying
In client, user is generally previously provided with the payment account of the acquiescence of payment and other alternative payment accounts.
In the present embodiment, there is payment client terminal particular plug-in, the particular plug-in to support following functions：Work as payment client terminal
After startup, corresponding payment terminal number associated by the payment account of user's acquiescence is sent to safety verification platform automatically.Its
In, the incidence relation of payment account and payment terminal number is pre-stored in payment client terminal.
Step 202, safety verification platform initiate to call, and exhaling for calling are arranged according to payment terminal number to payment terminal
It is payment verification to be type.
Specifically, safety verification platform passes through mobile switching centre (Mobile Switching according to payment terminal number
Center, referred to as：MSC it) initiates to call to payment terminal.
When step 203, payment terminal identify that the type of call of calling is payment verification, built between safety verification platform
Vertical calling connection relationship.
Specifically, when payment terminal identifies that the type of call of calling is payment verification, automatic off-hook is completed to test with safety
Demonstrate,prove the foundation of the calling connection relationship between platform.
In the present embodiment, payment terminal includes SIM card, and SIM card security procedure is provided in the SIM card of payment terminal.SIM
Card security procedure can be it is pre- be formed in the SIM card of payment terminal, can also be the over the air by operator
(Over-the-Air Technology, referred to as：OTA) function is downloaded in the SIM card of payment terminal.
Specifically, SIM card security procedure is used for when establishing calling connection relationship under payment terminal is as called state, is known
The not type of call from MSC then automatically initiates off-hook behaviour when it is payment verification to identify the type of call of active calls
Make, is finally completed the foundation of the calling connection relationship between payment terminal and safety verification platform；Meanwhile it currently being exhaled when identifying
The type of call cried be payment verification after, to the terminal speech voice procedure of payment terminal send instruction information, with instruction terminal
The display interface of voice communication program control payment terminal does not show incoming call；If while calling connection relationship is established,
When having the access of another audio call, which calls for normal voice communication, then is branch by type of call
The calling for paying verification is hung up, and sends signaling for " calling being suspended " to safety verification platform.
In the present embodiment, during calling connection relationship is established, in the signaling of MSC, extend one " payment verification "
Type of call, for indicating that active calls are to be exclusively used in payment terminal to exempt from close payment verification.In general, type of call is by leading
The side's of crying setting, in the present embodiment, type of call are arranged in a call by safety verification platform.When safety verification platform passes through
When MSC initiates to call to payment terminal, after MSC verifies the number that incoming number is safety verification platform, by the calling class of calling
Type is pass-through to callee, i.e. payment terminal, is done further according to the type of call in order to the SIM card security procedure of payment terminal
Ground processing specifically makees where reason and can be found in the above-mentioned description to SIM card security procedure.
In the present embodiment, after user starts payment client terminal in payment terminal, if user's weight on payment client terminal
When the new payment account for having selected other payment accounts as payment, payment client terminal needs to send to safety verification platform again
The corresponding payment terminal number of other payment accounts, and safety verification platform is prompted to need to update the branch of the acquiescence sent before this
It pays a bill the corresponding payment terminal number in family.After safety verification platform receives payment terminal number update prompting message, this is closed
The calling connection relationship of preceding foundation initiates calling to the corresponding payment terminal number of other payment accounts again, and calling is arranged
Type of call be payment verification, the payment terminal corresponding to the corresponding payment terminal number of other payment accounts and safety verification
The process of establishing of calling connection relationship between platform can be found in the above-mentioned corresponding payment terminal number of payment account in acquiescence
The description of the process of calling connection relationship is established between payment terminal and safety verification platform corresponding to code, it is no longer specific herein
It repeats.
Step 204, payment terminal send payment identification information to cash receiving terminal, and payment identification information includes payment account.
Specifically, user carries out delivery operation by the terminal payment program of payment terminal to trade company, for example, pay mark
Information is payment Quick Response Code, and user shows payment Quick Response Code by the payment client terminal of payment terminal to trade company.
Step 205, cash receiving terminal are according to the payment identification information to the corresponding bank payment settlement system of payment account
Transmission is deducted fees request, and request of deducting fees includes payment account and pays cost information.
For example, cash receiving terminal obtains payment account, then, to the corresponding silver of payment account by scanning payment Quick Response Code
Row payment and settlement system sends request of deducting fees.In the present embodiment, cash receiving terminal includes mobile-payment system, for example, mobile payment
System is wechat or Alipay of trade company etc..Specifically, request of deducting fees can also include exchange hour, loco, trade company's name
Title, O/No. etc., wherein payment cost information is transaction amount.
Step 206, bank payment settlement system are from the correspondence of the payment account and payment terminal number that pre-establish
In, inquire the corresponding payment terminal number of payment account.
Step 207, bank payment settlement system send payment verification request, payment verification request bag to safety verification platform
Include the corresponding payment terminal number of payment account and payment cost information.
In the present embodiment, data connection relationship is pre-established between bank payment settlement system and safety verification platform,
Data connection approach is usually TCP/IP modes.Specifically, bank payment settlement system is closed by the data connection pre-established
It is to send payment verification request to safety verification platform.Specifically, payment verification request can also include exchange hour, transaction ground
The information such as point, name of firm, O/No..
Step 208, safety verification platform inquire the safety verification platform pre-established and branch according to payment terminal number
Pay the calling connection relationship between the corresponding payment terminal of termination number.
In step 202 and step 203, it is branch that type of call has been pre-established between safety verification platform and payment terminal
The calling connection relationship of verification is paid, therefore in this step, it, can be according to branch after safety verification platform receives payment verification request
Termination number is paid, the calling between the safety verification platform pre-established payment terminal corresponding with payment terminal number is inquired
Connection relation.
It should be noted that if in this step, safety verification platform is not inquired and is built in advance according to payment terminal number
Calling connection relationship between vertical safety verification platform payment terminal corresponding with payment terminal number, thens follow the steps 202
With step 203, the type of call established between safety verification platform and the payment terminal number and payment terminal is payment verification
Calling connection relationship, then execute step 209.
Step 209, safety verification platform send payment information, payment information packet by calling connection relationship to payment terminal
Include payment cost information.
Specifically, the SIM card security procedure of payment terminal receives the payment cost information of safety verification platform, and controls
Prompt window is popped up on the display interface of payment terminal, prompt window shows payment information, payment affirmation button, payment refusal
Button, the countdown of payment affirmation time limit, and user is waited for confirm.Wherein, the prompt window of pop-up is full screen mode, and payment is true
The position for recognizing button is random, that is, is not fixed in some specific position of prompt window, branch when popping up prompt window every time
It is different to pay position of the ACK button on prompt window.In addition, on prompt window in addition to the position where payment affirmation button with
Outer other positions are the position where payment refusal button, when user is other than the position where payment affirmation button
Other positions carry out clicking operation when, be accordingly to be regarded as user click payment refusal button.In the present embodiment, payment information may be used also
To include the information such as exchange hour, loco, name of firm, O/No..For example, prompt window shows payment information, branch
Paying information is：The bank card number that your China Merchants Bank's tail number is 1234 just carries out bankcard consumption, transaction amount in KFC financial Streets shop
It is 6.00 yuan, 03 minute 14 points of on May 10th, 2018.
In the present embodiment, full screen mode is set as by will be prompted to window and sets the position of payment affirmation button to
Random site, to avoid the position due to payment affirmation button from fixing, the rogue program be easy to causeing can be to prompt window
Fixed position send " click " message reach the payment for usurping user to avoid the operation of the payment affirmation or refusal of user
Account carries out the problem of exempting from the purpose of close payment.
Step 210, payment terminal return to payment affirmation information or branch according to payment cost information to safety verification platform
Pay refusal information.
Specifically, when clicking payment affirmation button on the prompt window of pop-up as user, payment terminal is to safety verification
Platform returns to payment affirmation information.When user clicks payment refusal button on the prompt window of pop-up, payment terminal is to peace
Full verification platform returns to payment refusal information；Alternatively, it is 0 to work as payment affirmation time limit countdown on the prompt window of pop-up, that is, use
Family time-out still without any clicking operation when, payment terminal to safety verification platform return payment refusal information.
Step 211, safety verification platform return to payment affirmation information or payment refusal letter to bank payment settlement system
Breath.
Step 212, bank payment settlement system deduct fees accordingly to payment account according to payment affirmation information, or
Person, bank payment settlement system is according to payment refusal information to payment account without deducting fees.
In the present embodiment, in step 202 and step 203, the payment corresponding with payment terminal number of safety verification platform
Established between terminal type of call be payment verification calling connection relationship after, if safety verification platform in set period of time not
When receiving the payment verification request of bank payment settlement system transmission, show that user may only start payment client terminal and check one
Under, delivery operation is not carried out, therefore, safety verification platform is to on-hook.Wherein, which is door restrictor, can be arranged,
It is generally located within 10s.In the present embodiment, the purpose by the way that set period of time is arranged is in order to avoid meaningless calling connects
Relationship is connect to be kept for a long time.
In the present embodiment, if during the calling that type of call is payment verification is suspended, safety verification platform receives silver
The payment verification of row payment and settlement system is asked, and when safety verification platform needs to send payment information to payment terminal, then is pacified
Full verification platform can be directed to the calling being suspended, and the signaling that request restores is sent to payment terminal.SIM card security procedure monitors
To after the signaling, current ongoing normal voice communication calling can be hung up automatically, and restore the calling hung up before
Type is the calling of payment verification, to complete calling switching, and receives the payment information of safety verification platform.For calling class
Type is that the description for the process that the calling of payment verification is suspended can be found in the above-mentioned description to SIM card security procedure, herein no longer
Specifically repeat.
In the present embodiment, safety verification platform pre-establishes calling by payment terminal corresponding with payment terminal number and connects
Relationship is connect, after the payment verification request for receiving bank payment settlement system, is sent out to payment terminal by calling connection relationship
It send payment cost information, after the corresponding payment terminal of termination number to be paid clicks payment affirmation, obtains payment affirmation information, and
Payment affirmation information is sent to bank payment settlement system, so that bank payment settlement system is deducted fees, to complete to prop up
That pays terminal exempts from close payment process.The method that the present embodiment is paid by the calling connection relational implementation pre-established, advantage exist
In：Circuit connection propagation delay time is low, and securely and reliably, information not easy to lose is not easy to be tampered.Relative to traditional short massage notice
Mode, in the present embodiment, after the corresponding payment terminal of payment terminal number receives payment cost information, payment terminal has really
The selection recognized or refused, i.e. payment terminal selectively send payment affirmation information or payment refusal letter to safety verification platform
Payment is completed rather than just notice payment terminal in breath.Therefore, the method for payment that the present embodiment is provided, avoids terminal
The risk that payment program, disbursement account are brought in the case of maliciously being usurped to user improves the safety that mobile phone exempts from close payment
Property, the economic loss of user is avoided to a certain extent.Also, the method for payment that the present embodiment is provided has real-time,
While realizing that the safety of close payment is exempted from raising, the efficiency of payment will not be reduced.
In the technical solution for the method for payment that the present embodiment is provided, safety verification platform is looked into according to payment terminal number
The calling connection relationship between the safety verification platform pre-established payment terminal corresponding with payment terminal number is ask out, and is led to
It crosses calling connection relationship and sends payment cost information to payment terminal, payment terminal is flat to safety verification according to payment cost information
Platform returns to payment affirmation information, and bank payment settlement system deducts fees accordingly to payment account according to payment affirmation information.
Safety verification platform sends payment information by the calling connection relationship pre-established to payment terminal, and only payment terminal confirms
It could complete to exempt from close payment after payment information, to improve the safety that mobile phone exempts from close payment, avoid to a certain extent
The economic loss of user.
Fig. 3 is a kind of structural schematic diagram for payment system that the embodiment of the present invention three provides, as shown in figure 3, the payment system
System includes safety verification platform 301, bank payment settlement system 302 and payment terminal 303.
Wherein, safety verification platform 301 is used to obtain the payment verification request of bank payment settlement system 302, and payment is tested
Card request includes the corresponding payment terminal number of payment account and payment cost information；According to payment terminal number, inquire pre-
Calling connection relationship between corresponding with the payment terminal number payment terminal of the safety verification platform 301 first established 303；Pass through
Calling connection relationship sends payment information to payment terminal 303, and cost information is paid described in payment information packet.
Payment terminal 303 is used to return to payment affirmation information to safety verification platform 301 according to payment information.
The payment affirmation information that bank payment settlement system 302 is used to be returned according to safety verification platform 301 pays a bill to branch
It is deducted fees accordingly at family.
In the present embodiment, bank payment settlement system 302 is additionally operable to obtain request of deducting fees, and request of deducting fees includes payment account
With payment cost information；Payment verification request is sent to safety verification platform 301.
In the present embodiment, bank payment settlement system 302 is additionally operable to from the payment account pre-established and payment terminal number
In the correspondence of code, the corresponding payment terminal number of payment account is inquired.
In the present embodiment, which further includes cash receiving terminal 304.Specifically, payment terminal 303 is additionally operable to gathering
Terminal 304 sends payment identification information, and payment identification information includes payment account；Cash receiving terminal 304 is used for payment account pair
The bank payment settlement system 302 is answered to send request of deducting fees.
In the present embodiment, payment terminal 303 is additionally operable to send the corresponding payment of payment account eventually to safety verification platform 301
Hold number.
Safety verification platform 301 is additionally operable to initiate to call to payment terminal 303 according to payment terminal number, and is arranged to state and exhale
The type of call cried is payment verification.
Payment terminal 303 is additionally operable to identify the type of call of calling between payment verification, with safety verification platform 301
Establish calling connection relationship.
The payment system that the present embodiment is provided specifically describes for realizing the method for payment that above-described embodiment two provides
Above-described embodiment two is can be found in, details are not described herein again.
In the technical solution for the payment system that the present embodiment is provided, safety verification platform is used for according to payment terminal number
Code, the calling connection inquired between the safety verification platform pre-established payment terminal corresponding with payment terminal number are closed
System, and payment cost information is sent to payment terminal by calling connection relationship；Payment is for terminal according to payment cost information
Payment affirmation information is returned to safety verification platform；Bank payment settlement system is used for according to payment affirmation information to payment account
It is deducted fees accordingly.Safety verification platform sends payment information by the calling connection relationship pre-established to payment terminal,
Only payment terminal could be completed to exempt from close payment after confirmed payment information, to improve the safety that mobile phone exempts from close payment,
The economic loss of user is avoided to a certain extent.
It is understood that the principle that embodiment of above is intended to be merely illustrative of the present and the exemplary implementation that uses
Mode, however the present invention is not limited thereto.For those skilled in the art, in the essence for not departing from the present invention
In the case of refreshing and essence, various changes and modifications can be made therein, these variations and modifications are also considered as protection scope of the present invention.
Claims (10)
1. a kind of method of payment, which is characterized in that including：
Safety verification platform obtains the payment verification request of bank payment settlement system, and the payment verification request includes payment account
The corresponding payment terminal number in family and payment cost information；
The safety verification platform inquires the safety verification platform pre-established and institute according to the payment terminal number
State the calling connection relationship between the corresponding payment terminal of payment terminal number；
The safety verification platform sends payment information, the disbursement letter by the calling connection relationship to the payment terminal
Breath includes the payment cost information；
The payment terminal returns to payment affirmation information according to the payment information to the safety verification platform, for the silver
Row payment and settlement system carries out phase according to the payment affirmation information that the safety verification platform returns to the payment account
That answers deducts fees.
2. method of payment according to claim 1, which is characterized in that the safety verification platform obtains bank payment settlement
Further include before the payment verification request of system：
The bank payment settlement system obtains request of deducting fees, and the request of deducting fees includes the payment account and branch payment
Use information；
The bank payment settlement system sends the payment verification request to the safety verification platform.
3. method of payment according to claim 2, which is characterized in that the bank payment settlement system is tested to the safety
Card platform sends the payment verification request：
In correspondence of the bank payment settlement system from the payment account pre-established with payment terminal number, inquire
The corresponding payment terminal number of the payment account.
4. method of payment according to claim 2, which is characterized in that the bank payment settlement system obtains request of deducting fees
Further include before：
The payment terminal sends payment identification information to cash receiving terminal, and the payment identification information includes the payment account；
The cash receiving terminal to the corresponding bank payment settlement system of the payment account send described in deduct fees request.
5. method of payment according to claim 4, which is characterized in that the payment terminal sends payment mark to cash receiving terminal
Further include before knowing information：
The payment terminal sends the corresponding payment terminal number of the payment account to the safety verification platform；
The safety verification platform initiates to call according to the payment terminal number to the payment terminal, and is arranged and states calling
Type of call is payment verification；
The payment terminal identifies that the type of call of the calling is established between payment verification, with the safety verification platform
The calling connection relationship.
6. a kind of payment system, which is characterized in that including safety verification platform, bank payment settlement system and payment terminal；
The safety verification platform is used to obtain the payment verification request of the bank payment settlement system, and the payment verification is asked
It asks including the corresponding payment terminal number of payment account and payment cost information；According to the payment terminal number, inquire pre-
Calling connection relationship between the safety verification platform payment terminal corresponding with the payment terminal number first established；It is logical
It crosses the calling connection relationship and sends payment information to the payment terminal, the payment information includes the payment expense letter
Breath；
The payment terminal is used to return to payment affirmation information to the safety verification platform according to the payment information；
The payment affirmation information that the bank payment settlement system is used to be returned according to the safety verification platform is to described
Payment account is deducted fees accordingly.
7. payment system according to claim 6, which is characterized in that the bank payment settlement system is additionally operable to obtain button
Take request, the request of deducting fees includes the payment account and the payment cost information；It is sent to the safety verification platform
The payment verification request.
8. payment system according to claim 7, which is characterized in that the bank payment settlement system is additionally operable to from advance
The payment account of foundation inquires the corresponding payment terminal number of the payment account with the correspondence of payment terminal number
Code.
9. payment system according to claim 7, which is characterized in that further include cash receiving terminal；
The payment terminal is additionally operable to send payment identification information to cash receiving terminal, and the payment identification information includes the payment
Account；
The cash receiving terminal is used for request of deducting fees described in the corresponding bank payment settlement system transmission of the payment account.
10. payment system according to claim 9, which is characterized in that the payment terminal is additionally operable to test to the safety
It demonstrate,proves platform and sends the corresponding payment terminal number of the payment account；
The safety verification platform is additionally operable to initiate to call to the payment terminal according to the payment terminal number, and is arranged and states
The type of call of calling is payment verification；
The payment terminal is additionally operable to identify that the type of call of the calling is payment verification, with the safety verification platform it
Between establish the calling connection relationship.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810480923.XA CN108681899A (en) | 2018-05-18 | 2018-05-18 | Method of payment and payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810480923.XA CN108681899A (en) | 2018-05-18 | 2018-05-18 | Method of payment and payment system |
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| Publication Number | Publication Date |
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| CN110046902A (en) * | 2019-01-15 | 2019-07-23 | 阿里巴巴集团控股有限公司 | Risk trade processing method, device and equipment |
| CN112348510A (en) * | 2019-08-09 | 2021-02-09 | 深圳市优克联新技术有限公司 | Information processing method, information processing device, electronic equipment and storage medium |
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Application publication date: 20181019 |