CN108960941B - Electronic payment billing method - Google Patents

Electronic payment billing method Download PDF

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CN108960941B
CN108960941B CN201810479159.4A CN201810479159A CN108960941B CN 108960941 B CN108960941 B CN 108960941B CN 201810479159 A CN201810479159 A CN 201810479159A CN 108960941 B CN108960941 B CN 108960941B
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payment
electronic invoice
platform
invoicing
service platform
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CN108960941A (en
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李春辉
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Beijing Piaotong Information Technology Co ltd
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Beijing Piaotong Information Technology Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/04Billing or invoicing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/10Tax strategies

Abstract

The application provides an electronic payment billing method, a merchant authorizes an electronic invoice service platform to make invoices, the payment platform displays billing options on a payment completion page, a user clicks the billing options on the payment completion page after normally using payment software to pay, and after the user authorizes the electronic invoice service platform to use, the electronic invoice service platform calls a payment platform authorization interface to obtain transaction information of the payment platform, fills information such as total invoicing, amount and detail and the like and displays the information on the electronic invoice billing page; after filling other related information in the billing page, clicking a billing button by a user; the electronic invoice service platform receives the invoicing application, automatically connects a tax system for the merchant to invoice according to the merchant information, and asynchronously invoices; and after the invoicing is successful, sending the invoiced electronic invoice to a mobile phone or a mailbox filled in an invoicing page.

Description

Electronic payment billing method
Technical Field
The invention belongs to the technical field of electronic commerce, and particularly relates to an electronic payment billing method.
Background
With the rapid development of national economy, the payment mode is also changed greatly from original cash payment to card payment and then to electronic payment. At present, mobile phone code scanning payment in electronic payment is particularly popular, and becomes a main payment mode of daily life of people. In addition, invoices are also commonly used with the general enhancement of tax consciousness of citizens and the protection of personal consumption rights, but the traditional invoicing mode has low speed, low efficiency and easy error, and sometimes cannot be delivered to customers in time. Therefore, the situation that the user queues for invoicing after payment is finished can occur, and the consumption experience is seriously influenced; or the mobile phone code scanning payment amount is small, so that the invoice is not convenient to be issued and is directly abandoned although the invoice is wanted.
At present, there are many methods for issuing electronic invoices, for example, scanning a two-dimensional code of a receipt after payment is completed, or directly issuing an electronic invoice after shopping by using an APP or a small program. However, these methods either pay and then perform invoicing separately, or require additional installation procedures, and are not very inconvenient to use. Therefore, a solution for directly issuing invoices after scanning payment by using a mobile phone in daily life is needed.
Disclosure of Invention
According to the method and the device, after the purchaser scans and pays through the mobile phone, the invoice can be directly filled in the payment page, the invoice with payment amount is issued, and the invoice issuing efficiency is improved. Specifically, the method for issuing the electronic invoice on the electronic payment page comprises the following steps:
step one, a merchant authorizes a CA certificate to an electronic invoice service platform, the electronic invoice service platform is allowed to provide invoicing service, and the electronic invoice service platform binds a merchant identifier of the merchant in a payment platform;
step two, the payment platform displays an invoicing option on a payment completion page, links the invoicing option to the electronic invoice service platform and authorizes the electronic invoice service platform to read the merchant transaction information authority;
step three, the user normally uses the payment platform to pay, after the payment is finished, an invoicing option appears in a payment finishing page, and the user clicks the invoicing option;
step four, the payment platform judges whether the user uses the electronic invoice service platform for the first time, if the user uses the electronic invoice service platform for the first time, the step five can be carried out only if the user authorizes to use the electronic invoice service platform for the first time, and if the user does not use the electronic invoice service platform for the first time, the step five is directly carried out;
step five, the payment platform initiates a billing skip URL to the electronic invoice service platform for signature verification, the electronic invoice service platform performs signature verification on the billing skip URL initiated by the payment platform, and after the signature verification is passed, the electronic invoice service platform calls a payment platform authorization interface to acquire payment platform transaction information, and the specific implementation steps are as follows:
when the payment platform initiates a billing skip URL signature verification to the electronic invoice service platform, the URL request parameters comprise a transaction ID, a short name, a sub-short name, a timestamp, a random number, an identity authentication token, a signature value and a signature adding mode; wherein the transaction ID, the short name and the sub-short name are defined by the payment platform; the time stamp is the number of milliseconds of the current time; the random number is a random character string; the identity authentication token is obtained by performing MD5 encryption on a character string consisting of a transaction ID, a random number and a time stamp; the signature value is composed of a transaction ID, a short name, a sub-short name, a timestamp, a random number and a character string which is signed by using a symbol splicing Ecc after an identity authentication token field is sorted according to an ascending order of initials; the signature adding mode is ECC;
the electronic invoice service platform decodes the received invoicing skip URL request, then checks the signature value after decoding, and after the signature passes the check, the electronic invoice service platform calls an authorization interface function for acquiring the transaction information of the payment platform, wherein the authorization interface function for acquiring the transaction information of the payment platform comprises an authorization function name and authorization function parameters, and the authorization function parameters at least comprise an APP identifier, a range and a callback interface address, wherein the APP identifier is a unique identifier of the electronic invoice service platform in the payment platform, the range is an authorization range given by the payment platform, and the callback interface address is an interface address for the electronic invoice service platform to receive the transaction data of the payment platform;
after the authorization of the payment platform is passed, the payment platform calls a transaction information receiving interface of the electronic invoice platform, the electronic invoice platform receives transaction data, the transaction information receiving interface comprises a receiving function name and authorization function parameters, and the authorization function parameters at least comprise authorization codes and transaction data; the authorization code is transmitted when the payment platform calls a transaction data receiving interface of the electronic invoice service platform; the transaction data is transmitted when the payment platform calls the transaction data receiving interface of the electronic invoice service platform, and at least comprises the following steps: transaction amount, transaction items and seller taxpayer identification number information;
step six, the electronic invoice service platform enters an electronic invoice invoicing page of the electronic invoice service platform after acquiring the transaction information of the payment platform, and the electronic invoice invoicing page automatically fills information such as invoicing total, amount and detail according to the acquired transaction information of the payment platform and displays the information on the electronic invoice invoicing page;
step seven, filling in an invoice new head on an invoicing page, and clicking an invoice button by a user after taxpayer identification number, a ticket receiver mobile phone number or the mailbox information of the ticket receiver;
step eight, the electronic invoice service platform receives the invoicing application, searches the database according to the merchant identification in the transaction information acquired by the payment platform to acquire the information of the corresponding merchant and the CA certificate authorization, automatically connects the tax system for invoicing for the merchant according to the filled invoice head-up and taxpayer identification number and the invoicing total, amount and detail information in the transaction information, and displays the information submitted by the invoicing application for the user;
step nine, after the invoicing is successful, the issued electronic invoice is sent to a mobile phone or a mailbox filled in the invoicing page.
Preferably, the payment completion page in the second step displays an invoicing option, and is characterized in that: the merchant which is displayed by the payment platform in a unified way but is not opened can not use the function, or the merchant contacts the payment platform and displays the billing option for the merchant independently.
Preferably, the electronic invoice billing page comprises the name of the electronic invoice service platform, the total amount of invoices, an invoice head-up, a taxpayer identification number, a ticket receiver mobile phone number, a ticket receiver mailbox, a billing detail and a billing button.
Preferably, in the seventh step, the invoice new line, the taxpayer identification number, the ticket receiver mobile phone number or the ticket receiver mailbox information is filled in the invoicing page, and the method is characterized in that: is manually filled in by the user on the invoicing page or automatically filled in by the payment platform.
Preferably, step nine further comprises adding the invoice to the invoice management of the payment platform.
The application has the advantages that:
1. after the mobile phone scans and pays, the mobile phone directly skips to make an invoice on a payment page, thereby simplifying the making-out step.
2. The invoice can be made only by filling the invoice new line and the information of the invoice receiver, so that the invoice making method is convenient and quick.
3. The electronic invoices issued may be added to the payment platform invoice management.
4. The invoicing is not limited by place and time, and can be delivered to the mailbox of the buyer in time, so that the labor cost is saved for the seller, and the invoicing efficiency is greatly improved.
Drawings
FIG. 1 is a flow chart for issuing an electronic invoice on an electronic payment page;
FIG. 2 is a flow chart of a sending user after electronic invoicing;
FIG. 3 payment success page example;
FIG. 4 an example service authorization page;
FIG. 5 an example electronic invoice invoicing page;
FIG. 6 is an example of an electronic invoice management page.
Detailed Description
By adopting the electronic payment invoicing method, invoices can be directly issued after mobile phone scanning payment, and convenience and rapidness are realized. The method specifically comprises the following steps:
step one, a merchant authorizes an electronic invoice service platform to provide invoicing service, and the electronic invoice service platform binds a merchant identifier of the merchant in a payment platform.
After a merchant signs a billing service protocol with an electronic invoice service platform manufacturer, a CA certificate of the merchant is authorized to the electronic invoice service platform, and the electronic invoice service platform is allowed to provide billing service. Each payment platform gives a unique merchant identifier to a merchant using the payment platform, and the electronic invoice service platform binds the merchant identifier of the payment platform where the merchant is located, so that the merchant needing to issue the electronic invoice is determined through the merchant identifier.
In this embodiment, the merchant a will be taken as an example for detailed description. The merchant A firstly signs an invoicing service agreement with an electronic invoice service platform manufacturer, and then authorizes the CA certificate of the merchant A to the electronic invoice service platform, so that the electronic invoice service platform is allowed to provide invoicing service for the merchant A. And then the merchant A registers the user in the electronic invoice service platform, and performs invoicing binding authorization on the merchant identifier of the merchant A in the payment platform.
And step two, the payment platform displays the invoicing option on a payment completion page, links the invoicing option to the electronic invoice service platform and authorizes the electronic invoice service platform to read the merchant transaction information authority.
The invoicing options displayed on the payment completion page can be uniformly displayed by the payment platform, but merchants who are not opened cannot use the function, or the merchants are connected with the payment platform to independently display the invoicing options for the merchants. The billing option may jump to the electronic invoice service platform via a jump URL. And the payment platform allows the electronic invoice service platform to read the transaction information of the merchant.
For example, after the merchant a contacts with the payment platform and requires to add an invoicing option, when the payment interface of the payment platform detects that the payee is the merchant a, the invoicing option is added on the payment completion page, the invoicing option is connected to the electronic invoice service platform through the URL, and the payment platform allows the electronic invoice service platform to read transaction information of the merchant a.
And step three, the user normally uses the payment platform to pay, after the payment is finished, the billing option appears in the payment finishing page, and the user clicks the billing option.
As shown in fig. 3, the user B uses the payment platform to pay at the merchant a, and adds an invoicing option in the upper left corner of the existing payment completion page after the payment is completed, and the user B can directly click and select invoicing.
And step four, the payment platform judges whether the user uses the electronic invoice service platform for the first time, and if the user uses the electronic invoice service platform for the first time, the user needs to authorize the use of the electronic invoice service platform first.
As shown in fig. 4, after the user B clicks the "invoice" option for the first time, a service authorization interface appears, and the user needs to select "confirm authorization" to continue the subsequent operation, otherwise, the user cannot make an invoice.
And fifthly, the payment platform initiates a billing skip URL to the electronic invoice service platform for signature verification, the electronic invoice service platform verifies the billing skip URL initiated by the payment platform, and after the signature verification is passed, the electronic invoice service platform calls a payment platform authorization interface to acquire payment platform transaction information.
The billing page is shown in fig. 5, and includes the name of the electronic invoice service platform, the total amount of invoices, the invoice head-up, the taxpayer identification number, the mobile phone number of the ticket receiver, the mailbox of the ticket receiver, the billing details, the billing button and the like.
In this embodiment, when the payment platform initiates the invoice skipping URL signature verification to the electronic invoice service platform, the URL request parameters include:
transaction ID: einv _ trade _ id 2016; (Payment platform definition)
Short name: j _ short _ name ═ j _ ycity; (Payment platform definition)
The sub-short names: sub _ m _ short _ name ═ joycocycle _ BJ _ XD; (Payment platform definition)
Time stamping: time 1483410019329 (milliseconds of current time);
random number: random 3948485 (random string, data here is an example only);
token (identity authentication token): token ═ MD5(einv _ trade _ id + random + timestamp);
signature value:
sign xxxx (ein _ trade _ id, m _ short _ name, sub _ m _ short _ name, timetag, random, token field in ascending order of initials and then symbol splicing Ecc signed string)
Signature adding mode ECC
The specific assignment of the parameters is exemplary, and the assignment needs to be performed according to actual conditions during specific implementation.
The electronic invoice service platform decodes the received invoicing jump URL request, then checks the signature value after decoding, and after the signature passes the check, the electronic invoice service platform calls a transaction information authorization interface for acquiring the payment platform, and after the payment platform passes the authorization, the payment platform calls a transaction information receiving interface of the electronic invoice platform. And after the electronic invoice platform receives the transaction information successfully, jumping to an invoicing page, and automatically filling the invoicing total amount and the item detail information according to the transaction information.
Obtaining a transaction information authorization interface function of a payment platform as follows:
name of authorized function, publicApp Authorize
The authorization function parameters are listed below:
APP identification: app _ id ═ x; (app _ id is a unique identifier of the electronic invoice service platform in the payment platform)
The range is as follows: scope is auth _ invoce _ info; (scope of authorization given by the Payment platform, e.g. for invoice transactions)
Callback interface address: redirect _ uri ═ i [ (. interface address where the electronic invoice service platform receives payment platform transaction data ]
The ticketing electronic invoice platform transaction data receiving function is as follows:
receiving a function name: redirect
The receive function parameters are listed below:
authorization code: auth _ code (passed when the payment platform calls the electronic invoice service platform transaction data receiving interface, which is defined by the payment platform.)
Transaction data: the state (when the payment platform calls the transaction data receiving interface of the electronic invoice service platform, the transmitted transaction data mainly comprises information such as transaction amount, transaction items, taxpayer identification numbers of sellers and the like)
And step six, the electronic invoice service platform enters an electronic invoice invoicing page of the electronic invoice service platform after acquiring the transaction information of the payment platform. The electronic invoice billing page fills in information such as billing total, amount and detail according to the acquired transaction information of the payment platform and displays the information on the electronic invoice billing page.
And step seven, the user fills in information such as invoice heads, taxpayer identification numbers, ticket receiver mobile phone numbers or ticket receiver postboxes on the invoicing page, and clicks an 'invoicing' button after corresponding information is completely filled.
In this embodiment, the user B may manually fill in information such as the invoice head-up, the taxpayer identification number, the ticket receiver mobile phone number, or the ticket receiver mailbox on the billing page, and if the payment platform further includes invoice management, the invoice head-up and taxpayer identification number electronic invoice platform on the billing page may also be read from the invoice management of the payment platform of the user B and then automatically fill in the invoice.
And step eight, the electronic invoice service platform receives the invoicing application, searches the database according to the merchant identification in the transaction information acquired by the payment platform to acquire the information of the corresponding merchant and the CA certificate authorization, automatically connects the tax system for invoicing according to the invoice head-up and taxpayer identification number filled by the user and the information of invoicing total, amount, detail and the like in the transaction information, displays the information submitted by the invoicing application to the user, and asynchronously invoices the merchant.
In this embodiment, the user B clicks to invoice after completing the filling of the invoice page, the electronic invoice service platform receives the invoice request, finds the relevant information of the merchant a, such as the name, taxpayer identification number, address, issuer, account number and the like of the merchant a, and the CA certificate authorization of the merchant a from the database according to the merchant identification of the merchant a in the transaction information of the payment platform, and issues the invoice according to the invoice head lifting and taxpayer identification number filled by the user B, and the information of the invoice summary, amount, detail and the like in the transaction information of the payment platform. Since invoicing is completed asynchronously (i.e. an invoicing request is submitted first and then the system completes invoicing automatically), the electronic invoice service platform returns an invoicing application submitted page for the user B.
Step nine, after the invoicing is successful, the issued electronic invoice is sent to a mobile phone or a mailbox filled in by the user on the invoicing page. If the payment platform has invoice management, the user can also add the invoice into the invoice management of the payment platform.
After the electronic invoice service platform successfully invoices, the invoiced electronic invoice is sent to a mobile phone or a mailbox filled in an invoicing page by the user B with reference to the figure 2.
If the payment platform has the invoice management function, the electronic invoice service platform can call a payment platform interface to synchronize invoice information to invoice management of the payment platform, and the invoices issued are added to the invoice management of the payment platform to be managed and stored. For example, the interface with the payer platform can refer to an invoice manager interface provided in a website of the ant golden suit, and add the invoice into the invoice manager.
Finally, it should be noted that: the above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and are not limited thereto; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.

Claims (5)

1. An electronic payment billing method is characterized by comprising the following steps:
step one, a merchant authorizes a CA certificate to an electronic invoice service platform, the electronic invoice service platform is allowed to provide invoicing service, and the electronic invoice service platform binds a merchant identifier of the merchant in a payment platform;
step two, the payment platform displays an invoicing option on a payment completion page, links the invoicing option to the electronic invoice service platform and authorizes the electronic invoice service platform to read the merchant transaction information authority;
step three, the user normally uses the payment platform to pay, after the payment is finished, an invoicing option appears in a payment finishing page, and the user clicks the invoicing option;
step four, the payment platform judges whether the user uses the electronic invoice service platform for the first time, if the user uses the electronic invoice service platform for the first time, the step five can be carried out only if the user authorizes to use the electronic invoice service platform for the first time, and if the user does not use the electronic invoice service platform for the first time, the step five is directly carried out;
step five, the payment platform initiates a billing skip URL to the electronic invoice service platform for signature verification, the electronic invoice service platform performs signature verification on the billing skip URL initiated by the payment platform, and after the signature verification is passed, the electronic invoice service platform calls a payment platform authorization interface to acquire payment platform transaction information, and the specific implementation steps are as follows:
when the payment platform initiates a billing skip URL signature verification to the electronic invoice service platform, the URL request parameters comprise a transaction ID, a short name, a sub-short name, a timestamp, a random number, an identity authentication token, a signature value and a signature adding mode; wherein the transaction ID, the short name and the sub-short name are defined by the payment platform; the time stamp is the number of milliseconds of the current time; the random number is a random character string; the identity authentication token is obtained by performing MD5 encryption on a character string consisting of a transaction ID, a random number and a time stamp; the signature value is composed of a transaction ID, a short name, a sub-short name, a timestamp, a random number and a character string which is signed by using a symbol splicing Ecc after the fields of the identity authentication token are sorted according to the ascending order of initials; the signature adding mode is ECC;
the electronic invoice service platform decodes the received invoicing skip URL request, then checks the signature value after decoding, and after the signature passes the check, the electronic invoice service platform calls an authorization interface function for acquiring the transaction information of the payment platform, wherein the authorization interface function for acquiring the transaction information of the payment platform comprises an authorization function name and authorization function parameters, and the authorization function parameters at least comprise an APP identifier, a range and a callback interface address, wherein the APP identifier is a unique identifier of the electronic invoice service platform in the payment platform, the range is an authorization range given by the payment platform, and the callback interface address is an interface address for the electronic invoice service platform to receive the transaction data of the payment platform;
after the authorization of the payment platform is passed, the payment platform calls a transaction information receiving interface of the electronic invoice service platform, the electronic invoice service platform receives the transaction information of the payment platform, the transaction information receiving interface comprises a receiving function name and authorization function parameters, and the authorization function parameters at least comprise authorization codes and transaction data; the authorization code is transmitted when the payment platform calls the transaction information receiving interface of the electronic invoice service platform; the transaction data is transmitted when the payment platform calls the transaction information receiving interface of the electronic invoice service platform, and at least comprises the following steps: transaction amount, transaction items and seller taxpayer identification number information;
step six, the electronic invoice service platform enters an electronic invoice invoicing page of the electronic invoice service platform after acquiring the transaction information of the payment platform, and the electronic invoice invoicing page automatically fills in invoicing total, amount and details according to the acquired transaction information of the payment platform and displays the invoicing total, amount and details on the electronic invoice invoicing page;
step seven, after filling in invoice head-up, taxpayer identification number, ticket receiver mobile phone number or ticket receiver mailbox information on the billing page, the user clicks a 'billing' button;
step eight, the electronic invoice service platform receives the invoicing application, searches the database according to the merchant identification in the transaction information acquired by the payment platform to acquire the information of the corresponding merchant and the CA certificate authorization, automatically connects the tax system for invoicing for the merchant according to the filled invoice head-up and taxpayer identification number and the invoicing total, amount and detail information in the transaction information, and displays the information submitted by the invoicing application for the user;
step nine, after the invoicing is successful, the issued electronic invoice is sent to a mobile phone or a mailbox filled in the invoicing page.
2. The electronic payment billing method of claim 1, wherein the payment completion page in the second step displays billing options, wherein:
the merchant which is displayed by the payment platform in a unified way but is not opened can not use the function, or the merchant contacts the payment platform and displays the billing option for the merchant independently.
3. The electronic payment invoicing method of claim 1, wherein:
the electronic invoice billing page comprises the name of an electronic invoice service platform, the total amount of invoices, an invoice head-up, a taxpayer identification number, a ticket receiver mobile phone number, a ticket receiver mailbox, a billing detail and a billing button.
4. The electronic payment billing method of claim 1, wherein in step seven, the invoice header, taxpayer identification number, ticket collector mobile phone number or ticket collector mailbox information is filled in the billing page, and the method is characterized in that:
manually filled in by the user on the invoicing page or automatically filled in by the payment platform.
5. The electronic payment invoicing method of claim 1, wherein:
step nine also includes adding the invoice to the invoice management of the payment platform.
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