CN109034818A - The method and device for generating payment label, being verified using payment label - Google Patents
The method and device for generating payment label, being verified using payment label Download PDFInfo
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- CN109034818A CN109034818A CN201810629985.2A CN201810629985A CN109034818A CN 109034818 A CN109034818 A CN 109034818A CN 201810629985 A CN201810629985 A CN 201810629985A CN 109034818 A CN109034818 A CN 109034818A
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
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Abstract
This specification embodiment provides a kind of method for generating payment label, and the method for carrying out payment verification is marked using payment.According to the above method, when user requests binding bank card, payment label is generated for the bank card of user, payment label includes at least, indicate the first field of period belonging to current time, second field of the serial number being sequentially generated using in current slot as field value, and the third field of the corresponding card sending mechanism of instruction bank card.In the payment stage, payment can be marked substitution bank's card number to be sent to card sending mechanism and carry out payment verification, to promote payment safety.
Description
Technical field
This specification one or more embodiment is related to electronic payment safety field, more particularly to generate payment label and
The method and apparatus for carrying out payment verification are marked using payment.
Background technique
During conventional payment, user and account information are recorded in the recording medium of bank card, by reading terminals,
Such as POS machine, these information are read, and be sent to bank and verified, to complete payment transaction process.Not according to recording medium
Together, bank card can be divided into magnetic stripe card and chip card.
Magnetic stripe card is a kind of magnetic recording medium of card-like, records character and digital information using magnetic carrier, is used to
Identity or other purposes.Magnetic card is made of high-intensitive, plastics resistant to high temperature or papery coating plastics, can it is moisture-proof, wear-resisting and
There is certain flexibility, it is easy to carry, using relatively stable reliable.However, traditional magnetic stripe card card is easy to be forged, also
It is that our brushes said block at puppet, all there is many risks to internet and off-line transaction for this card.It is this in order to alleviate
Risk just produces the higher chip card of safety.
Chip card is also known as IC card, is the card using chip as the medium that records and trade.Chip card not only supports debt-credit note, electricity
The multinomial financial applications such as sub- cash, stored value card, off line payment, rapid payment can also be applied to finance, traffic, communication, quotient
Multiple industry fields such as industry, education, medical treatment, social security and tourist recreation are really realized a card multipotency, are provided for client richer
Value-added service.Chip card capacity is big, and working principle is similar to microcomputer, can be provided simultaneously with multiple functions.Chip card
It is divided into pure chip card and magnetic stripe chip composite card again, the whole world is just become with its relatively higher safety and multifunctional application now
The development trend of bank card.
It is gradually popularized with the development of e-commerce, e-payment and without card transaction.In e-payment scene, by third
Square payment mechanism obtains the relevant information of user's bank card, and when user's request is paid, Third-party payment mechanism will be paid
Relevant information is sent to bank and is verified.
In bank card payment scheme most at present, businessman or Third-party payment mechanism are all the cards for inputting user
Number, the fundamentals information such as name be transmitted directly to credit card issuer, the fundamentals information such as card number, name can be existed in some schemes
It is encrypted in network transmission process.After payment information after card sending mechanism, which receives, reports and submits, to reporting and submitting information to carry out
Decryption or sign test, parse the information such as card number therein, then carry out the comparison of payment card number, if card number is consistent, into
The operation that row payment is withholdd.
In the above process, each card sending mechanism may have the signature sign test algorithm of oneself, standard disunity, to
For tripartite's payment mechanism, subsequent upgrading and daily maintenance are all pretty troublesome.Also, it if the message of encryption is trapped, uses
The risk that decryption and reversible algorithm steal the sensitive informations such as card number is still very high.Hence it is highly desirable to hand over without card
The user information being related in easily, sensitive data etc. are protected.For this purpose, producing payment marking technology.Payment label can
Using a replacer as primary account number during conventional payment (bank's card number), referred to as token.It is marked by payment,
It is exactly token to replace traditional bank card primary account number to carry out transaction verification, so that the sensitive information leakages such as card number be avoided to bring
Risk.However, the rule for generating payment label in routine techniques is fairly simple, it can not really meet and substitute main account completely
Number, security needs of guaranteeing payment.
Accordingly, it would be desirable to there is improved plan, payment label is more safely and effectively generated, payment safety is improved.
Summary of the invention
This specification one or more embodiment describes a kind of method and apparatus for generating payment label, and utilizes this
The method and apparatus that the payment label of sample carries out payment verification, to more efficiently generate the payment mark for meeting safety requirements
Note improves payment safety.
According in a first aspect, providing a kind of method for generating payment label, comprising:
Receive user ties up card request, and described tie up in card request includes that user requests associated bank's card number；
Tie up card request according to described, generate payment label, payment label includes at least the first field, the second field with
Third field, wherein current slot belonging to first field instruction current time, second field is to work as described
The serial number being sequentially generated in the preceding period, the third field indicate the corresponding card sending mechanism of bank's card number；
Payment label and bank's card number are sent to corresponding card sending mechanism, so that the card sending mechanism should
Payment label is associated storage with bank's card number.
In one embodiment, payment label further includes the 4th field, and the 4th field is the generation of the payment label
Reserved place；Correspondingly, generating payment label includes that the serial number in second field reaches the permissible maximum of the field
When value, the field value of the 4th field is modified.
According to a kind of possible design, payment label further includes the 5th field, and the 5th field, which indicates that, generates institute
State the currently active database of payment label.
In a kind of possible embodiment, payment label further includes the 6th field, and the 6th field is based on the user
User information and generate.
Further, in one embodiment, the 6th field of payment label can be generated in the following manner:
From it is described tie up card request in and/or user's registration information in obtain the user information；
Customs Assigned Number is determined according to the user information；
The field value of the 6th field is determined according to the Customs Assigned Number.
In a kind of possible design, payment label further includes the 7th field, and the 7th field is based on the bank card
Number at least partly digit and generate.
In one embodiment, after generating payment label, payment label is related to bank card instruction information
The storage of connection ground.
According to a kind of possible design, bank card indicates that information can be using the combined form of user id and card label.
According to second aspect, a kind of method for marking using payment and carrying out payment verification is provided, comprising:
The payment request of user is received, the payment request includes bank card instruction information, and the bank card indicates information
It indicates, the user first passes through the correspondent bank card for tying up card request setting in advance；
Information is indicated according to the bank card, obtains the corresponding payment label of the correspondent bank card, the payment label
It is pre-generated according to the method for first aspect；
By the payment label be sent to the corresponding card sending mechanism of the correspondent bank card so that the card sending mechanism according to
The payment transaction that the payment label is related to the payment request is verified.
According to the third aspect, a kind of device for generating payment label is provided, comprising:
Receiving unit, the card of tying up for being configured to receive user are requested, and described tie up in card request includes that user requests associated silver
Row card number；
Generation unit is configured to tie up card request according to, generates payment label, and the payment label includes at least first
Field, the second field and third field, wherein current slot belonging to first field instruction current time, described second
Field is the serial number being sequentially generated in the current slot, and the third field indicates the corresponding hair of bank's card number
Mechanism for card；
Transmission unit is configured to mark the payment and bank's card number is sent to corresponding card sending mechanism, so that
Payment label is associated storage with bank's card number by the card sending mechanism.
According to fourth aspect, a kind of device for marking using payment and carrying out payment verification is provided, comprising:
Receiving unit is configured to receive the payment request of user, and the payment request includes bank card instruction information, described
Bank card instruction information indicates that the user first passes through the correspondent bank card for tying up card request setting in advance；
Acquiring unit is configured to indicate information according to the bank card, obtains the corresponding payment mark of the correspondent bank card
Note, the payment label are pre-generated using the device of the third aspect；
Transmission unit is configured to payment label being sent to the corresponding card sending mechanism of the correspondent bank card, so that
The card sending mechanism is verified according to the payment transaction that the payment label is related to the payment request.
According to the 5th aspect, a kind of computer readable storage medium is provided, computer program is stored thereon with, when described
When computer program executes in a computer, enable computer execute first aspect and second aspect method.
According to fourth aspect, a kind of calculating equipment, including memory and processor are provided, which is characterized in that described to deposit
It is stored with executable code in reservoir, when the processor executes the executable code, realizes first aspect and second aspect
Method.
The method and apparatus provided by this specification embodiment are tying up the card stage, can be directed to same card sending mechanism, no
Enough different payment labels are repeatedly generated, for the bank card to be bound.In the payment stage, payment label can be replaced
Card sending mechanism is sent to for bank's card number and carries out payment verification, to avoid transmission bank's card number bring security risk, is promoted
Payment safety.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, required use in being described below to embodiment
Attached drawing be briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this
For the those of ordinary skill of field, without creative efforts, it can also be obtained according to these attached drawings others
Attached drawing.
Fig. 1 shows the implement scene schematic diagram of one embodiment of this specification disclosure；
Fig. 2 shows the method flow diagrams that the generation payment according to one embodiment marks；
Fig. 3 shows the schematic diagram of the payment label generated according to one embodiment；
Fig. 4 shows the example of the payment label generated according to one embodiment；
Fig. 5, which is shown, marks the method for carrying out payment verification using payment according to one embodiment；
Fig. 6 shows the schematic block diagram of the device of the generation payment label according to one embodiment；
Fig. 7 shows the schematic block diagram of the payment verification device according to one embodiment.
Specific embodiment
With reference to the accompanying drawing, the scheme provided this specification is described.
Fig. 1 is the implement scene schematic diagram of one embodiment that this specification discloses.In the implement scene, third party's electricity
Sub- payment platform, such as Alipay service platform, the payment that can generate safety for the bank card of user mark, i.e. token, from
And when user pays, it marks the sensitive informations such as substitution bank's card number to carry out payment to bank using the payment and tests
Card.
Specifically, when user requests binding bank card, it is user's that electronic payment platform is requested according to the card of tying up of user
Bank card generates payment label.Payment label includes at least, and the first field of period belonging to current time is indicated, to work as
Second field of the serial number being sequentially generated in the preceding period as field value, and the corresponding card sending mechanism of instruction bank card
Third field.In this way, being directed to same card sending mechanism, the branch of the second field maximum permissible value number can be generated in each period
Pay label.The length of each field length, especially the second field is set as needed, so it is ensured that being directed to different silver
Row card not repeatedly generates unique corresponding payment label, meets the needs of bank's related traffic.In further optional side
In case, payment label can also include more multi-field, to support the further function such as excess early warning, database switching, secondary verification
Energy.Then, the payment of generation is marked and is sent to corresponding card sending mechanism with the bank card information by electronic payment platform, makes it will
Payment label is associated storage with bank's card number.
When user is paid by electronic payment platform, payment platform is obtained in advance according to payment request for use
The payment label that the specified bank card in family generates, and payment label is sent to corresponding card sending mechanism.Due to card sending mechanism
Each payment is marked in advance and is associated storage with corresponding bank's card number, therefore is corresponding obtaining current payment request
When payment label, so that it may determine therefrom that out corresponding bank card, and then be verified, pay the operation such as withhold.It is tested in payment
During card, electronic payment platform marks request card sending mechanism to carry out payment verification by payment, and pays label itself not
Include the sensitive informations such as card number.Even if payment label is intercepted in transmission process and is revealed, bank's card number etc. will not be exposed
Threaten the sensitive information of safety of payment.
Generation payment label is described below, and carries out the specific implementation process of payment verification using payment label.
Fig. 2 shows the method flow diagrams that the generation payment according to one embodiment marks.This method can pass through any tool
There are calculating, the device of processing capacity, equipment, system to execute, in one embodiment, the executing subject of this method can be
The server of tripartite's electronic payment platform, such as Alipay server.As shown in Fig. 2, this method may include: step 21, connect
That receives user ties up card request, and described tie up in card request includes that user requests associated bank's card number；Step 22, it asks according to tying up card
It asks, generates payment label, include wherein at least the first field, the second field and third field, to indicate respectively current time institute
The serial number and the corresponding card sending mechanism of bank's card number being sequentially generated in the current slot of category, current slot；Step
23, the payment label and bank's card number of generation are sent to corresponding card sending mechanism, make it by payment label and the bank card
Number it is associated storage.The specific executive mode of above each step is described below.
Firstly, receive user ties up card request in step 21.Generally, Third Party Payment System system, such as Alipay
System can provide client, such as web page, the App etc. for intelligent terminal for user.User can by client with
The server-side of electronic fare payment system interacts, such as submits various requests.For tying up card business, can be arranged in the client
There are dedicated entrance and corresponding page.User can insert in tying up card request page and tie up card information needed, then, be to payment
Card request is tied up in system server submission.Generally, client also can read some user informations of user, such as user id, include
In tying up card request.Therefore, tie up card request in may include user information (such as user id) and user filling tie up card institute
Need information.It is appreciated that tying up card information needed will bind including at least user, that is, want the card number of associated bank card.?
In one embodiment, when user submits and ties up card request, also it is required to fill in the main name of card, bank of deposit, bank reserves cell-phone number
Deng other bank card informations.Correspondingly, the card request of tying up of submission further includes the above-mentioned bank card information that user fills in.
Receive it is above-mentioned tie up card request after, in step 22, card request is tied up according to this, payment is generated and marks.
In one embodiment, before generating payment label, preliminary identification is carried out to the card request of tying up of user first.Just
Step card for example may include whether user id legal, user be tie up card and the bank card information of filling involved in user
Information with whether the information of typing consistent in systems when user's registration, such as card master whether be user, etc..Preliminary
In the case where being verified, payment label just is generated for the bank card tied up in card request.
In one embodiment, in order to enable payment label can safely substitute the information such as bank's card number, the branch of generation
It pays label and includes at least following three fields: the first field, indicate current slot belonging to current time；Second field is
The serial number being sequentially generated in current slot；Third field indicates the corresponding card sending mechanism of bank's card number.First field and
Second field can be generated according to current time, and third field needs to determine card sending mechanism first, then according to preset hair
Mapping relations between mechanism for card and code field and determine.Generally, before bank's card number several can indicate to set out
Mechanism for card.Further, tying up at some also may require that user inserts card sending mechanism in card request page.It can be according to bank card
Number, optionally also according to the filling information of user, determine card sending mechanism, and then generate third word according to above-mentioned mapping relations
Section.
Fig. 3 shows the schematic diagram of the payment label generated according to one embodiment.As shown in figure 3, in the payment mark of generation
In the example of note, the first field includes 8 bit digitals, and current date is indicated in the form of YYYYMMDD, such as 20180530 indicate
On May 30th, 2018.That is, in the example in figure 3, the period is divided as unit of day in the first field, with 8 bit digitals
Indicate the date (which day) belonging to current time.Second field includes 12 bit digitals, is the flowing water being sequentially generated within one day
Number sequence number.Third field includes 3 bit digitals, the corresponding card sending mechanism of instruction bank's card number.For example, 000 instruction Wang Shang bank,
001 instruction industrial and commercial bank, 002 instruction agricultural bank etc..
It is appreciated that Fig. 3 is only an example, the field length of each field, which can according to need, to be set or is adjusted
It is whole.For example, the first field length depends on the period length to be divided, the second field length determines the maximum of flowing water sequence number
Value N.And for the length of third field, can according to e-payment towards card sending mechanism number depending on.For example, 2 digits
Word can at most support 100 card sending mechanisms, 3 bit digitals that can at most support 1000 card sending mechanisms.First field, the second word
The combination of section and third field is it is ensured that can not repeatedly generate N within the same period for same card sending mechanism
A payment label.Particularly, by adjusting field length, especially the second field length, can not repeatedly generating payment
The quantity of label meets the needs of credit card issuer.
For example, the second field is 12, and the maximum value N of flowing water sequence number is 1,000,000,000,000 in the exemplary payment label of Fig. 3
Magnitude.Therefore, the payment label in Fig. 3 example can be generated 1,000,000,000,000 it is ensured that for same card sending mechanism daily
Unduplicated payment label, it is sufficient to meet generally requiring for the bank card quantity of card sending mechanism sending.
In another example, 10 bit digitals can also be set by the first field, is shown and is worked as in the form of YYYYMMDDHH
Which day which the preceding moment belong to hour, for example, 2018053011 indicate on May 30th, 2018 since 11:00 12:00 it
The preceding period.It is, dividing the period as unit of hour, the period belonging to current time is indicated with 10 bit digitals.
Correspondingly, the field length of the second field can be shortened, such as be set as 10, corresponding serial number maximum value N is 10,000,000,000.Such as
This makes, and for same card sending mechanism, within a hour, can not repeatedly generate 10,000,000,000 payment labels, it is sufficient to meet
The bank card quantity that card sending mechanism issues generally requires.
It is appreciated that the title that the first field, the second field and third field rise just for above-mentioned field, not
It is inevitable to be arranged according to first, second, and third sequence.Also, payment label can also include more multi-field, to have more
Further function.
In one embodiment, it in addition to the first, second, and third above-mentioned field, is gone back in the payment label that step 22 generates
Including the 4th field, the 4th field is the generation reserved place of payment label, to need the payment number of labels generated to reach
Arrive or more than the serial number of the second field maximum value when, carry out excess early warning.Specifically, in one example, the 4th field
It can be set to 2 reserved places, default value 00.Correspondingly, generating payment label in step 22 includes, in the second field
When serial number reaches the field permissible maximum value N, the field value of the 4th field is modified.For example, by the field of the 4th field
Value is revised as 01 from default value 00.
Although the combination of the first field and the second field is sufficient for card sending mechanism and user ties up generally requiring for card,
There is still a need for prevent and its it is individual in the case where, occur that associated bank card is wanted to reach within the period on burst service peak
Or the case where exceeding the second field maximum serial number N.Therefore, above-mentioned 4th field is set.Once the serial number in the second field
When reaching the permissible maximum value N of the field, the value of the 4th field is modified, thus continue not repeatedly to generate payment label, it is real
Existing business scalability.In some embodiments, which can be also used for the extension of other aspect business.
It further, in one embodiment, further include the 5th field in payment label, the 5th field indicates use
In the currently active database for generating payment label.This is allowed for, for the electronic payment platform of safety, in order to prevent
The disasters such as database delay machine all can also provide standby database except primary database.It, will once primary database goes wrong
It is quickly switched into standby database.For theoretically, in primary database and standby database handoff procedure, exist certain small
The possibility for repeatedly generating payment label of probability.For this purpose, providing above-mentioned 5th field as " warehouse compartment living ", that is, indicate the currently active
The field of database.Once database switches over, the value of the 5th field is just modified, to indicate the database after switching, thus
It avoids generating duplicate payment label in database handoff procedure.
In a specific example, the 5th field is 1 bit digital, such as default value is 0, indicates primary database.Once cutting
Standby database is changed to, the value of the 5th field is just revised as 1.
It in one embodiment, further include the 6th field in payment label, the 6th field is based on user information and generates.
Above-mentioned user information can be the common user information that carries when client sends request, such as user id, be also possible to from
The information read in family registration information, being also possible to user is the information for tie up card and filling.
For example, in one embodiment, the 6th field is based on Customs Assigned Number and generates.It is appreciated that Customs Assigned Number is to use
Number of the family in electronic payment platform internal server.For this purpose, in one embodiment, in step 22, ask first from tying up card
User information, such as user id are extracted in asking, and use of the user inside electronic payment platform is then determined according to user information
Family number.In general, there are mapping relations can determine that user couple by reading the mapping relations for user id and Customs Assigned Number
The Customs Assigned Number answered.It is then possible to generate the field value of the 6th field based on Customs Assigned Number.For example, in a specific example,
6th field is 2 bit digitals, and the penultimate and antepenulatimate of Customs Assigned Number is shown respectively.
In another embodiment, the 6th digital coding of the field based on user information and generate.In this case, exist
After extracting user information, according to preset digital coding rule, user information is converted into digital coding, that is, produces the
Six fields.For example, user information includes user id, and user id is generally the customized character string of user.In an example
In son, each character in user's id character string can be converted into corresponding ASCII character first, it is then corresponding to ASCII character
Number summation, the field value by the number in the preset range in summed result, as the 6th field.For example, by the 6th word
Section is set as 2 bit digitals, and last 2 of the ASCII character summation corresponding to user id.
In another embodiment, the 6th field can also be directly based upon user part message and generate.For example, obtaining user
Cell-phone number is registered as user information, cell-phone number is made a reservation for into several bit digitals as the 6th field.
It is appreciated that the 6th field can be based on other users information, and/or generated, mesh using more kinds of modes
Be for it is subsequent user payment when, payment platform can carry out preliminary verification to user.
In one embodiment, further include the 7th field in payment label, the 7th field based on bank's card number at least
Part digit and generate.More specifically, in one example, part digit of the 7th field comprising bank card number, such as rear 4
Position.In another example, the 7th field is the number for formed after centainly encoding to the number of bank's card number.7th field can
With for subsequent, when user's payment, bank verifies user and its bank card.
It in one embodiment, further include the 8th field in payment label, the 8th field indicates the business of support
Type.For example, in one example, the 8th field is arranged to 3 bit digitals, to indicate the service class of current bank card support
Type, such as 000 expression whole scene or full-service type, 001 indicates quick payment, and 002 indicates bill inquiry, etc..8th word
Section can be used for subsequent when user's payment, payment mode or payment scene progress preliminary check to user.
It in one embodiment, further include the 9th field in payment label, the 9th field instruction payment label has
Effect property.For example, in one example, the 9th field is set as 1 bit digital, 0 indicates that no validity time limit requires, i.e., has for a long time
Effect, 1 indicates that single is effective, and 2 indicate in finite time effectively, in 3 expression finite number of time effectively, etc..Specific time validity period
Agreement regulation can be first passed through in advance with number limitation, be stored in predetermined position.By the 9th field, can have to payment label
Effect property is labeled, and the payment label for so extending to a variety of validity types generates, and can be used for subsequent to payment label
Validity is verified.
Fig. 4 shows the example of the payment label generated according to one embodiment.In the example in fig. 4,36 are generated
Payment label, including:
First field takes 8 bit digitals, shows current date with the form of YYYYMMDD；
Second field takes 12 bit digitals, is the serial number being sequentially generated within one day；
Third field takes 3 bit digitals, the corresponding credit card issuer of mark bank card；
4th field takes 2 bit digitals, the excess early warning as the second field；The field default value is 00；
5th field takes 1 bit digital, indicates the currently active database；The field default value is 0, indicates primary database；
6th field takes 2 bit digitals, respectively corresponds the penultimate and antepenulatimate of Customs Assigned Number；
7th field takes 4 bit digitals, latter 4 corresponding to bank's card number；
8th field takes 3 bit digitals, indicates the type of service that current bank card is supported；
9th field takes 1 bit digital, the validity of instruction payment label.
It is appreciated that Fig. 4 is only an example.In other examples, each field can also have in payment label
Different length, the arrangement mode between each field are also not necessarily limited to Fig. 4 example.
As described above, electronic payment platform generates uniquely for the bank card in card request of tying up of user in step 22
Payment label.In one embodiment, electronic payment platform is related to bank card instruction information by the payment label of the generation
The storage of connection ground is within the storage system.In one embodiment, using bank's card number as bank card indicate information, will payment label with
Bank's card number corresponds to associated storage.In another embodiment, using user information as bank card indicate information, will payment label with
User information corresponds to associated storage.It is appreciated that a user is possible to bind multiple bank cards, for different type of payment
Or payment scene.It therefore, in another embodiment, further, is the specified card label of the bank card of current bindings, to distinguish
The different bank card of same user.When being stored, the payment label of generation and the user information and card of the user are marked
It is associated storage.Above-mentioned card label can be bank's card number, be also possible to a part of bank's card number, or can be user
The card number of multiple cards of binding, as long as combining with user information, can orient bank card bound in user.Example
Such as, following table 1 is shown in one embodiment, and the associated storage of label is paid in electronic payment platform.
Table 1
| User id | Card label | Payment label |
| Lily | Industrial and commercial bank's card 1 | Token1 |
| Lily | Industrial and commercial bank's card 2 | Token2 |
| Lily | China Merchants Bank's card 1 | Token3 |
In table 1 above, user information takes family id, and card label takes credit card issuer and card number, in this way, user id and card
The combination of label indicates information as bank card, can orient bound different bank cards.
Except the payment label that storage generates, in step 23, the payment label and bank's card number that will additionally generate are sent to
Corresponding card sending mechanism makes it that payment label is associated storage with bank's card number.In this way, card sending mechanism gets electricity
The payment label that sub- payment platform is generated for some bank card, is closed so as to establish payment label with the bank card
Connection.
On the basis of card sending mechanism is associated storage to payment label and bank's card number, so that it may utilize payment label
The payment request of user is verified.
Fig. 5, which is shown, marks the method for carrying out payment verification, the executing subject of this method using payment according to one embodiment
It is identical as method shown in Fig. 2, such as be electronic payment platform.As shown in figure 5, this method comprises: step 51, receives user's
Payment request, the payment request include bank card instruction information, and the bank card instruction information indicates that the user is preparatory
By the correspondent bank card for tying up card request setting；Step 52, information is indicated according to the bank card, obtains the correspondent bank card
Corresponding payment label；Step 53, payment label is sent to the corresponding card sending mechanism of the correspondent bank card, makes it according to institute
The payment transaction that payment label is related to the payment request is stated to verify.The specific side of execution of above-mentioned steps is described below
Formula.
Firstly, receiving the payment request of user in step 51.In one embodiment, payment code, quotient are shown by user
The mode that family is scanned issues payment request to electronic payment platform.It generally, can include the letter of paying party in payment code
Breath, such as the user information of user, and the information of specified bank card.For example, below common Alipay payment code, meeting
Four are shown after currently used bank card, to show currently to pay bank card to be used.Businessman passes through scanning payment code,
Beneficiary information and payment information are added except paying party information, issue payment request to electronic payment platform.Accordingly
Ground, electronic payment platform receive the payment request of user from businessman, which generally comprises paying party information, beneficiary letter
Breath and payment information etc..More specifically, the paying party information in payment request includes at least bank card and indicates information, with
Indicate which bank card paying party will use paid, which is that user first passes through the bank for tying up card request binding in advance
Card, also referred to as correspondent bank card.In one embodiment, bank card instruction information can be bank's card number itself.In another reality
It applies in example, bank card indicates that information includes user information, and the bank card of user binding is indicated by user information.Another
In embodiment, bank card instruction information is the combination of user information and card label.Such as shown in table 1, marked by user id and card
The combination of note can orient the different bank card of same user.
In step 52, information is indicated according to above-mentioned bank card, obtains the corresponding payment label of correspondent bank card.It can manage
Solution, in the bank card binding stage, the method for electronic payment platform according to Fig.2, has been directed to bank card and has generated payment mark
Note, and payment label is subjected to corresponding associated storage with bank card instruction information.So correspondingly, in step 52, from payment
Extracted in request bank card instruction information on the basis of, so that it may rapidly based on bank card indicate information, determine to correspond to
Payment label.
Payment generated label is as previously mentioned, include at least the first field, the second field and third field, and described first
Field indicates current slot belonging to current time, and second field is the stream being sequentially generated in the current slot
Water number, the third field indicate the corresponding card sending mechanism of bank's card number.
In one embodiment, payment label further includes the 4th field and/or the 5th field, wherein the 4th field is payment
The generation reserved place of label, the 5th field indicate that the currently active database for generating the payment label.In this way, more having
Effect label of guaranteeing payment not repeated and uniqueness.
In one embodiment, payment label further includes the 6th field, and the 6th field is based on user information and generates.?
Under such circumstances, after step 52 gets payment label, payment can be asked based on the 6th field in payment label
Seek carry out preliminary check.
For example, in one example, the 6th field is based on Customs Assigned Number and generates, such as shows reciprocal the of Customs Assigned Number
Two and antepenulatimate.At this point, obtaining the payment request corresponds to the subscriber-coded of user, compare the subscriber-coded corresponding of acquisition
Whether digit and the 6th field are consistent, pass through verification under unanimous circumstances.
In another example, the 6th digital coding of the field based on user information and generate, such as corresponding to user id's
Last 2 of ASCII character summation.At this point, obtaining the user id that the payment request corresponds to user, ASCII character summation is calculated most
Whether 2 afterwards, it is consistent with the field value of the 6th field to compare calculated result, passes through verification under unanimous circumstances.
In the case where the 6th field is generated using other modes, verifying is generated in the same way based on user information
Verifying field is compared with the field value of the 6th field, passes through verification under unanimous circumstances by field.
In one embodiment, after preliminary check passes through, in step 53, payment label is sent to correspondent bank card pair
The card sending mechanism answered verifies that it according to the payment transaction that the payment label is related to the payment request.
In one embodiment, corresponding card sending mechanism is determined according to the field value of the third field in payment label.?
In another embodiment, bank card information according to the pre-stored data determines corresponding card sending mechanism.After determining card sending mechanism,
Payment label can be sent to the corresponding card sending mechanism, hand over it to the payment that payment request is related to according to payment label
Easily verified.
It is appreciated that containing the first, second, and third word above-mentioned since the mode of payment label according to fig. 2 generates
Section, therefore, in each card sending mechanism, each bank card corresponds to an exclusive payment label, and card sending mechanism incited somebody to action
Payment label is associated storage with corresponding bank card.Therefore, card sending mechanism is assured that out by payment label and is corresponded to
Bank card, and then the operation such as verified, withholdd.
Further, in one embodiment, payment label further includes the 7th field, and the 7th field is based on bank's card number
At least partly digit and generate, such as corresponding to latter 4 of bank card number.At this point, card sending mechanism can be based on the 7th field,
The bank card of request payment is further verified.For example, on the one hand being read when receiving the payment request comprising payment label
The 7th field in payment label is taken, the payment is on the one hand obtained and marks corresponding bank's card number, according to identical as the 7th field
Generation method generate verifying number, then compare verifying number whether matched with the 7th field.In the matched situation of the two,
Pass through verifying.
As previously mentioned, in one embodiment, payment label can also include the 8th field, to indicate the business of support
Type.In this case, electronic payment platform and/or card sending mechanism can be based on the 8th field, ask to current payment
It asks and is verified.
In one embodiment, payment label further includes the 9th field, to indicate the validity of payment label.Such
In the case of, electronic payment platform and/or card sending mechanism can be based on the 9th field, carry out school to the validity of payment label
It tests.
As described above, electronic payment platform receives payment request from businessman, corresponding payment label is then determined
Afterwards, payment label is sent to corresponding card sending mechanism.In the above process, payment request and payment label itself, are not wrapped
Containing sensitive information as complete bank card number.Even if being intercepted in transmission process, bank's card number etc. will not be directly revealed
Sensitive information, and significant information cannot be obtained by cracking.In this way, payment label replaces bank's card number, more pacify
Payment verification is realized entirely.
According to the embodiment of another aspect, a kind of device for generating payment label is also provided.Fig. 6 is shown to be implemented according to one
The schematic block diagram of the device of the generation payment label of example.As shown in fig. 6, the generating means 60 include: receiving unit 61, configuration
It is requested to receive the card of tying up of user, described tie up in card request includes that user requests associated bank's card number；Generation unit 62, configuration
To tie up card request according to, payment label is generated, the payment label includes at least the first field, the second field and third word
Section, wherein current slot belonging to first field instruction current time, second field is in the current time
The serial number being sequentially generated in section, the third field indicate the corresponding card sending mechanism of bank's card number；And transmission unit
63, it is configured to mark the payment and bank's card number is sent to corresponding card sending mechanism, so that the card sending mechanism will
Payment label is associated storage with bank's card number.
In one embodiment, payment label further includes the 4th field, and the 4th field is the generation of the payment label
Reserved place.Correspondingly, generation unit 62 is configured to, and the serial number in second field reaches the permissible maximum of the field
When value, the field value of the 4th field is modified.
In one embodiment, payment label further includes the 5th field, and the 5th field, which indicates that, generates the branch
Pay the currently active database of label.
According to one embodiment, the payment label further includes the 6th field, and the 6th field is based on user information and gives birth to
At.
Further, in one embodiment, generation unit 62 be configured that from tie up card request in and/or user's registration letter
In breath, user information is obtained；Customs Assigned Number is determined according to the user information；The 6th word is determined according to the Customs Assigned Number
The field value of section.
In one embodiment, payment label further includes the 7th field, and the 7th field is based on bank's card number
At least partly digit and generate.
According to one embodiment, device 60 further includes storage unit 64, is configured to refer to payment label with bank card
Show that information stores in association.
Further, in one embodiment, bank card instruction information may include user id and card label.
Further, a kind of device for being marked using payment and carrying out payment verification is also provided.Fig. 7 is shown to be implemented according to one
The schematic block diagram of the payment verification device of example.As shown in fig. 7, the payment verification device 70 includes: receiving unit 71, it is configured to
The payment request of user is received, the payment request includes bank card instruction information, and the bank card instruction information indicates, institute
It states user and first passes through the correspondent bank card for tying up card request setting in advance；Acquiring unit 72 is configured to indicate to believe according to the bank card
Breath, obtains the corresponding payment label of the correspondent bank card, and the payment label is pre-generated using the generating means of Fig. 6；Hair
Unit 73 is sent, is configured to payment label being sent to the corresponding card sending mechanism of the correspondent bank card, so that the hair fastener
Mechanism is verified according to the payment transaction that the payment label is related to the payment request.
In one embodiment, payment label further includes the 6th field, and the 6th field is based on user information and generates.Phase
Ying Di, device 70 further include verification unit (not shown), and the 6th field being configured in the payment label asks payment
Seek carry out preliminary check.
Specifically, in one embodiment, above-mentioned verification unit is configured that based on user information, using with described in generation
The same mode of mode of 6th field generates verifying field；By the field value of the verifying field and the 6th field into
Row compares.
In one embodiment, payment label further includes the 7th field, and the 7th field is based on associated bank card
Number at least partly digit and generate so that the card sending mechanism tests the correspondent bank card according to the 7th field
Card.
Method and apparatus more than utilization are tying up the card stage, can be directed to same card sending mechanism, not repeatedly generate enough
Different payments labels, for the bank card to be bound.In the payment stage, payment can be marked substitution bank's card number send
Payment verification is carried out to card sending mechanism, to avoid transmission bank's card number bring security risk, promotes payment safety.
According to the embodiment of another aspect, a kind of computer readable storage medium is also provided, is stored thereon with computer journey
Sequence enables computer execute and combines method described in Fig. 2 and Fig. 5 when the computer program executes in a computer.
According to the embodiment of another further aspect, a kind of calculating equipment, including memory and processor, the memory are also provided
In be stored with executable code, when the processor executes the executable code, realize the method in conjunction with described in Fig. 2 and Fig. 5.
Those skilled in the art are it will be appreciated that in said one or multiple examples, function described in the invention
It can be realized with hardware, software, firmware or their any combination.It when implemented in software, can be by these functions
Storage in computer-readable medium or as on computer-readable medium one or more instructions or code transmitted.
Above-described specific embodiment has carried out further the purpose of the present invention, technical scheme and beneficial effects
It is described in detail, it should be understood that being not intended to limit the present invention the foregoing is merely a specific embodiment of the invention
Protection scope, all any modification, equivalent substitution, improvement and etc. on the basis of technical solution of the present invention, done should all
Including within protection scope of the present invention.
Claims (26)
1. a kind of method for generating payment label, comprising:
Receive user ties up card request, and described tie up in card request includes that user requests associated bank's card number；
Card request is tied up according to described, generates payment label, the payment label includes at least the first field, the second field and third
Field, wherein current slot belonging to first field instruction current time, second field is when described current
Between the serial number that is sequentially generated in section, the third field indicates the corresponding card sending mechanism of bank's card number；
Payment label and bank's card number are sent to corresponding card sending mechanism, so that the card sending mechanism is by the payment
Label is associated storage with bank's card number.
2. the 4th field is described according to the method described in claim 1, wherein the payment label further includes the 4th field
Pay the generation reserved place of label；
Generation payment label includes, when the serial number in second field reaches the field permissible maximum value,
Modify the field value of the 4th field.
3. the 5th field indicates according to the method described in claim 1, wherein the payment label further includes the 5th field
For generating the currently active database of the payment label.
4. method according to any one of claim 1-3, wherein payment label further includes the 6th field, the 6th
User information of the field based on the user and generate.
5. according to the method described in claim 4, wherein the generation payment label includes:
It is tied up in card request and/or in user's registration information from described, obtains the user information；
Customs Assigned Number is determined according to the user information；
The field value of the 6th field is determined according to the Customs Assigned Number.
6. method according to any one of claim 1-3, wherein payment label further includes the 7th field, described the
At least partly digit of seven fields based on bank's card number and generate.
7. method according to any one of claim 1-3, further includes, payment label is indicated into information with bank card
It stores in association.
8. according to the method described in claim 7, wherein the bank card instruction information includes that user id and card mark.
9. a kind of mark the method for carrying out payment verification using payment, comprising:
The payment request of user is received, the payment request includes bank card instruction information, the bank card instruction information instruction
Out, the user first passes through the correspondent bank card for tying up card request setting in advance；
Information is indicated according to the bank card, obtains the corresponding payment label of the correspondent bank card, and the payment marks basis
Method of claim 1 is pre-generated；
Payment label is sent to the corresponding card sending mechanism of the correspondent bank card, so that the card sending mechanism is according to
The payment transaction that payment label is related to the payment request is verified.
10. the 6th field is based on user according to the method described in claim 9, payment label further includes the 6th field
Information and generate；The method also includes after obtaining the corresponding payment label of the correspondent bank card:
Based on the 6th field in the payment label, preliminary check is carried out to payment request.
11. according to the method described in claim 10, described include: to payment request progress preliminary check
Based on user information, using with the same mode by the way of the 6th field that generates, generate verifying field；
The verifying field is compared with the field value of the 6th field.
12. according to the method described in claim 9, wherein payment label further includes the 7th field, the 7th field base
In associated bank's card number at least partly digit and generate so that the card sending mechanism is according to the 7th field to described
Correspondent bank card is verified.
13. a kind of device for generating payment label, comprising:
Receiving unit, the card of tying up for being configured to receive user are requested, and described tie up in card request includes that user requests associated bank card
Number；
Generation unit is configured to tie up card request according to, generates payment label, and the payment label includes at least the first word
Section, the second field and third field, wherein current slot belonging to first field instruction current time, second word
Section is the serial number being sequentially generated in the current slot, and the third field indicates the corresponding hair fastener of bank's card number
Mechanism；
Transmission unit is configured to mark the payment and bank's card number is sent to corresponding card sending mechanism, so that described
Payment label is associated storage with bank's card number by card sending mechanism.
14. device according to claim 13, wherein payment label further includes the 4th field, the 4th field is institute
State the generation reserved place of payment label；
The generation unit is configured to, and when the serial number in second field reaches the field permissible maximum value, is repaired
Change the field value of the 4th field.
15. device according to claim 13, wherein payment label further includes the 5th field, the instruction of the 5th field
Out for generating the currently active database of the payment label.
16. device described in any one of 3-15 according to claim 1, wherein payment label further includes the 6th field, it should
6th user information of the field based on the user and generate.
17. device according to claim 16, wherein the generation unit is configured that
It is tied up in card request and/or in user's registration information from described, obtains the user information；
Customs Assigned Number is determined according to the user information；
The field value of the 6th field is determined according to the Customs Assigned Number.
18. device described in any one of 3-15 according to claim 1, wherein payment label further includes the 7th field, institute
It states at least partly digit of the 7th field based on bank's card number and generates.
19. device described in any one of 3-15 according to claim 1 further includes storage unit, it is configured to mark the payment
Note stores in association with bank card instruction information.
20. device according to claim 19, wherein bank card instruction information includes, user id and card label.
21. a kind of mark the device for carrying out payment verification using payment, comprising:
Receiving unit is configured to receive the payment request of user, and the payment request includes bank card instruction information, the bank
Card instruction information indicates that the user first passes through the correspondent bank card for tying up card request setting in advance；
Acquiring unit is configured to indicate information according to the bank card, obtains the corresponding payment label of the correspondent bank card, institute
It is pre-generated using the device of claim 13 to state payment label；
Transmission unit is configured to payment label being sent to the corresponding card sending mechanism of the correspondent bank card, so that described
Card sending mechanism is verified according to the payment transaction that the payment label is related to the payment request.
22. device according to claim 21, the payment label further includes the 6th field, and the 6th field is based on user
Information and generate；Described device further includes verification unit, and the 6th field being configured in the payment label asks payment
Seek carry out preliminary check.
23. device according to claim 22, the verification unit is configured that
Based on user information, using with the same mode by the way of the 6th field that generates, generate verifying field；
The verifying field is compared with the field value of the 6th field.
24. device according to claim 21, wherein payment label further includes the 7th field, the 7th field base
In associated bank's card number at least partly digit and generate so that the card sending mechanism is according to the 7th field to described
Correspondent bank card is verified.
25. a kind of computer readable storage medium, is stored thereon with computer program, when the computer program in a computer
When execution, computer perform claim is enabled to require the method for any one of 1-12.
26. a kind of calculating equipment, including memory and processor, which is characterized in that be stored with executable generation in the memory
Code realizes method of any of claims 1-12 when the processor executes the executable code.
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