CN109389403A - A kind of payment processing method and device - Google Patents
A kind of payment processing method and device Download PDFInfo
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- CN109389403A CN109389403A CN201810975685.XA CN201810975685A CN109389403A CN 109389403 A CN109389403 A CN 109389403A CN 201810975685 A CN201810975685 A CN 201810975685A CN 109389403 A CN109389403 A CN 109389403A
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- payment
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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
- G06Q20/405—Establishing or using transaction specific rules
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- Engineering & Computer Science (AREA)
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- Economics (AREA)
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- General Physics & Mathematics (AREA)
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Abstract
The embodiment of the invention provides a kind of payment processing method and devices.In embodiments of the present invention, payment request is received, which at least carries the mark of payer；Obtain the time of reception when receiving the payment request；The permission time of payment section of payer is obtained according to the mark of payer；Judge whether the time of reception is located in time of payment section；If the time of reception is not located in time of payment section, refusal is paid according to the payment request.Method through the embodiment of the present invention can identify illegal payment using payer to avoid criminal, such as steal brush bank card, so as to ensure the property safety of user.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of payment processing method and device.
Background technique
With the fast development of bank card business in recent years, bankcard consumption has been more and more people to accept, and gradually
Penetrate into the every field of social life.At the same time, with the high speed development of bank card business, risk shape that bank card faces
Gesture is increasingly serious, and some illegal activities carried out using bank card are occurred repeatedly, and means of crime is constantly to high-tech, group
Change, specialized, large-scale development, case implementation process is more hidden, and gimmick constantly updates, and especially steals the case of brush bank card
It is even more impossible to guard against, startling, it constitutes a serious threat to the property safety of holder.
Summary of the invention
In order to solve the above technical problems, the embodiment of the present invention shows a kind of payment processing method and device.
In a first aspect, the embodiment of the present invention shows a kind of payment processing method, which comprises
Payment request is received, the payment request at least carries the mark of payer；
Obtain the time of reception when receiving the payment request；
The permission time of payment section of the payer is obtained according to the mark of the payer；
Judge whether the time of reception is located in the permission time of payment section；
If the time of reception is not located in the permission time of payment section, refusal is carried out according to the payment request
Payment.
In an optional implementation, the method also includes:
If the time of reception was located in permissions time of payment section, according to the mark of the payer to described
Payer sends checking request, the checking request be used to requesting the payer provide the default payment of the payer with
Card；
Receive the evidence for payment that the payer is sent according to the checking request；
The default evidence for payment of the stored payer is obtained according to the mark of the payer；
Determine whether the default evidence for payment of received evidence for payment and acquisition is identical；
If received evidence for payment is different from the default evidence for payment of acquisition, the refusal is executed according to the payment
Request the process paid；
If received evidence for payment is identical as the default evidence for payment of acquisition, propped up according to the payment request
It pays.
It is described that the stored payer is obtained according to the mark of the payer in an optional implementation
Default evidence for payment, comprising:
The corresponding payer, permission time of payment section and default pay mark are obtained according to the mark of the payer
Between corresponding relationship；
The section of permission time of payment corresponding to the time of reception is determined in the corresponding relationship；
Default evidence for payment corresponding with the permission time of payment section determined is searched in the corresponding relationship.
In an optional implementation, the method also includes:
After refusal is paid according to the payment request, Xiang Suoshu payer sends prompt information, the prompt
Information received the payment request for prompting.
Second aspect, the embodiment of the present invention show a kind of payment processing device, and described device includes:
Receiving module, for receiving payment request, the payment request at least carries the mark of payer；
First obtains module, for obtaining the time of reception when receiving the payment request；
Second obtains module, and the permission time of payment section of the payer is obtained for the mark according to the payer；
Judgment module, for judging whether the time of reception is located in the permission time of payment section；
Refuse module, if be not located in the permission time of payment section for the time of reception, refuses according to institute
Payment request is stated to be paid.
In an optional implementation, described device further include:
First sending module, if be located in the permission time of payment section for the time of reception, according to
The mark of payer sends checking request to the payer, and the checking request is for requesting the payer to provide the branch
Pay the default evidence for payment of side；
Receiving module, the evidence for payment sent for receiving the payer according to the checking request；
Third obtains module, and the default payment of the stored payer is obtained for the mark according to the payer
Voucher；
Whether determining module, the default evidence for payment for determining received evidence for payment and acquisition are identical；
The refusal module is also used to: if received evidence for payment is different from the default evidence for payment of acquisition, being refused
It is paid according to the payment request；
Payment module, if identical as the default evidence for payment of acquisition for received evidence for payment, according to the branch
Request is paid to be paid.
In an optional implementation, the third obtains module and includes:
Acquiring unit, for being obtained according to the mark of the payer, the payer is corresponding, allows time of payment section
With the corresponding relationship between default pay mark；
Determination unit, for determining the section of permission time of payment corresponding to the time of reception in the corresponding relationship；
Searching unit, for searching default branch corresponding with determining permission time of payment section in the corresponding relationship
Exchange order.
In an optional implementation, described device further include:
Second sending module, for after refusal is paid according to the payment request, Xiang Suoshu payer to be sent
Prompt information, the prompt information received the payment request for prompting.
The third aspect, the embodiment of the present invention show a kind of electronic equipment, including memory, processor and are stored in storage
On device and the computer program that can run on a processor, the processor are realized as described in relation to the first aspect when executing described program
Payment processing method the step of.
Fourth aspect, the embodiment of the present invention show a kind of computer readable storage medium, the computer-readable storage
It is stored with computer program on medium, is realized when the computer program is executed by processor at payment as described in relation to the first aspect
The step of reason method.
Compared with prior art, the embodiment of the present invention includes following advantages:
In embodiments of the present invention, payment request is received, which at least carries the mark of payer；Acquisition is connecing
Receive the time of reception when payment request；The permission time of payment section of payer is obtained according to the mark of payer；Judgement should
Whether the time of reception, which is located at, allows in time of payment section；If the time of reception, which is not located at, to be allowed in time of payment section, refuse root
It is paid according to the payment request.Method through the embodiment of the present invention can be identified to avoid criminal using payer illegal
Payment, such as brush bank card is stolen, so as to ensure the property safety of user.
Detailed description of the invention
Fig. 1 is a kind of step flow chart of payment processing method embodiment of the invention；
Fig. 2 is a kind of step flow chart of payment processing method embodiment of the invention；
Fig. 3 is a kind of structural block diagram of payment processing Installation practice of the invention.
Specific embodiment
In order to make the foregoing objectives, features and advantages of the present invention clearer and more comprehensible, with reference to the accompanying drawing and specific real
Applying mode, the present invention is described in further detail.
Referring to Fig.1, a kind of step flow chart of payment processing method embodiment of the invention is shown, can specifically include
Following steps:
In step s101, payment request is received, which at least carries the mark of payer；
In embodiments of the present invention, the card number etc. of used bank card when the mark of payer can be with payment.
Wherein, when payer needs to pay, payment request can be generated using the mark of payer in payment terminal,
Then controlling terminal sends the payment request to payment server, and payment server receives the payment request, then executes step
S102。
In step s 102, the time of reception when receiving the payment request is obtained；
In embodiments of the present invention, payment server obtains local current time when receiving the payment request, and
As the time of reception when receiving the payment request.
In step s 103, the permission time of payment section of payer is obtained according to the mark of payer；
In embodiments of the present invention, it, which can be arranged, in payer in payment server in advance allows time of payment section, example
Such as, setting allows the time of payment section to be at daily 7 points~21 points, then payer using payer identify daily 7 points~
Success could be paid in 21 points when payment, payer is identified using payer and paid in the time daily in addition to 7 points~21 points
When can not then pay success.
In step S104, judging whether the time of reception is located at allows in time of payment section；
If the time of reception, which is not located at, to be allowed in time of payment section, in step s105, refuse according to the payment request
It is paid.
If the time of reception, which is located at, to allow in step s 106, to be propped up according to the payment request in time of payment section
It pays.
In embodiments of the present invention, payment request is received, which at least carries the mark of payer；Acquisition is connecing
Receive the time of reception when payment request；The permission time of payment section of payer is obtained according to the mark of payer；Judgement should
Whether the time of reception, which is located at, allows in time of payment section；If the time of reception, which is not located at, to be allowed in time of payment section, refuse root
It is paid according to the payment request.Method through the embodiment of the present invention can be identified to avoid criminal using payer illegal
Payment, such as brush bank card is stolen, so as to ensure the property safety of user.
However, sometimes when payer encounters special circumstances, it is also desirable to the time other than time of payment section
Payment, if payment server is still refused to pay at this time, can reduce user experience.
Therefore, in order to avoid reducing user experience, in an alternative embodiment of the invention, referring to fig. 2, this method further include:
If the time of reception, which is located at, to be allowed in time of payment section, in step s 201, according to the mark of payer to branch
It pays side and sends checking request, which is used to that payer to be requested to provide the default evidence for payment of payer；
Default evidence for payment can be the password that payer stores in payment server in advance, for example, phone number
Code, date of birth, birthplace or work unit etc..
Alternatively, the checking request is a short message, it include 4 identifying codes or 6 identifying codes in short message, according to payer
Mark obtains the phone number of payer, sends the short message to the phone number, and payer passes through mobile phone, and to receive this short
After letter, it will be able to view identifying code, then send the identifying code to payment server.
In step S202, the evidence for payment that payer is sent according to the checking request is received；
In step S203, the default evidence for payment of stored payer is obtained according to the mark of payer；
In order to further increase the property safety of user, in embodiments of the present invention, different permission time of payment sections is right
The default pay mark answered is different, even if criminal obtains a default pay mark, does not also know the default pay mark
Which allows time of payment section corresponding to, in this way, brush bank card can not be stolen, so as to further ensure payer
Property safety.
Specifically, corresponding payer, permission time of payment section and default pay mark are obtained according to the mark of payer
Between corresponding relationship；The section of permission time of payment corresponding to the time of reception is determined in the corresponding relationship；It is closed in the correspondence
Default evidence for payment corresponding with the permission time of payment section determined is searched in system.
In step S204, determine whether the default evidence for payment of received evidence for payment and acquisition is identical；
If received evidence for payment is different from the default evidence for payment of acquisition, then follow the steps S105: refusal basis should
Payment request is paid；
If received evidence for payment is identical as the default evidence for payment of acquisition, S106 is thened follow the steps: according to the payment
Request is paid.
If received evidence for payment is identical as the default evidence for payment of acquisition, illustrate be payer carry out conjunction
Method payment behavior is not the illegal payment behavior that criminal executes, so as to be paid according to the payment request.
Further, if criminal carries out illegal payment using payer mark, although payment server can be refused
It is paid according to the payment request, but it is stated that the proprietary information of user is intercepted by criminal, in order to ensure user
Property safety, refusal paid according to the payment request after, need to payer send prompt information, the prompt letter
Breath received the payment request for prompting, so that payer knows this situation, and then changed the close of bank card in time
The information such as code, bring loss to user's property after avoiding.
It should be noted that for simple description, therefore, it is stated as a series of action groups for embodiment of the method
It closes, but those skilled in the art should understand that, embodiment of that present invention are not limited by the describe sequence of actions, because according to
According to the embodiment of the present invention, some steps may be performed in other sequences or simultaneously.Secondly, those skilled in the art also should
Know, the embodiments described in the specification are all preferred embodiments, and the related movement not necessarily present invention is implemented
Necessary to example.
Referring to Fig. 3, a kind of structural block diagram of payment processing Installation practice of the present invention is shown, which specifically can wrap
Include following module:
Receiving module 11, for receiving payment request, the payment request at least carries the mark of payer；
First obtains module 12, for obtaining the time of reception when receiving the payment request；
Second obtains module 13, and the permission time of payment of the payer is obtained for the mark according to the payer
Section；
Judgment module 14, for judging whether the time of reception is located in the permission time of payment section；
Refuse module 15, if be not located in the permission time of payment section for the time of reception, refuses basis
The payment request is paid.
In an optional implementation, described device further include:
First sending module, if be located in the permission time of payment section for the time of reception, according to
The mark of payer sends checking request to the payer, and the checking request is for requesting the payer to provide the branch
Pay the default evidence for payment of side；
Receiving module, the evidence for payment sent for receiving the payer according to the checking request；
Third obtains module, and the default payment of the stored payer is obtained for the mark according to the payer
Voucher；
Whether determining module, the default evidence for payment for determining received evidence for payment and acquisition are identical；
The refusal module is also used to: if received evidence for payment is different from the default evidence for payment of acquisition, being refused
It is paid according to the payment request；
Payment module, if identical as the default evidence for payment of acquisition for received evidence for payment, according to the branch
Request is paid to be paid.
In an optional implementation, the third obtains module and includes:
Acquiring unit, for being obtained according to the mark of the payer, the payer is corresponding, allows time of payment section
With the corresponding relationship between default pay mark；
Determination unit, for determining the section of permission time of payment corresponding to the time of reception in the corresponding relationship；
Searching unit, for searching default branch corresponding with determining permission time of payment section in the corresponding relationship
Exchange order.
In an optional implementation, described device further include:
Second sending module, for after refusal is paid according to the payment request, Xiang Suoshu payer to be sent
Prompt information, the prompt information received the payment request for prompting.
In embodiments of the present invention, payment request is received, which at least carries the mark of payer；Acquisition is connecing
Receive the time of reception when payment request；The permission time of payment section of payer is obtained according to the mark of payer；Judgement should
Whether the time of reception, which is located at, allows in time of payment section；If the time of reception, which is not located at, to be allowed in time of payment section, refuse root
It is paid according to the payment request.Method through the embodiment of the present invention can be identified to avoid criminal using payer illegal
Payment, such as brush bank card is stolen, so as to ensure the property safety of user.
For device embodiment, since it is basically similar to the method embodiment, related so being described relatively simple
Place illustrates referring to the part of embodiment of the method.
All the embodiments in this specification are described in a progressive manner, the highlights of each of the examples are with
The difference of other embodiments, the same or similar parts between the embodiments can be referred to each other.
It should be understood by those skilled in the art that, the embodiment of the embodiment of the present invention can provide as method, apparatus or calculate
Machine program product.Therefore, the embodiment of the present invention can be used complete hardware embodiment, complete software embodiment or combine software and
The form of the embodiment of hardware aspect.Moreover, the embodiment of the present invention can be used one or more wherein include computer can
With in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of program code
The form of the computer program product of implementation.
The embodiment of the present invention be referring to according to the method for the embodiment of the present invention, terminal device (system) and computer program
The flowchart and/or the block diagram of product describes.It should be understood that flowchart and/or the block diagram can be realized by computer program instructions
In each flow and/or block and flowchart and/or the block diagram in process and/or box combination.It can provide these
Computer program instructions are set to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing terminals
Standby processor is to generate a machine, so that being held by the processor of computer or other programmable data processing terminal devices
Capable instruction generates for realizing in one or more flows of the flowchart and/or one or more blocks of the block diagram
The device of specified function.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing terminal devices
In computer-readable memory operate in a specific manner, so that instruction stored in the computer readable memory generates packet
The manufacture of command device is included, which realizes in one side of one or more flows of the flowchart and/or block diagram
The function of being specified in frame or multiple boxes.
These computer program instructions can also be loaded into computer or other programmable data processing terminal devices, so that
Series of operation steps are executed on computer or other programmable terminal equipments to generate computer implemented processing, thus
The instruction executed on computer or other programmable terminal equipments is provided for realizing in one or more flows of the flowchart
And/or in one or more blocks of the block diagram specify function the step of.
Although the preferred embodiment of the embodiment of the present invention has been described, once a person skilled in the art knows bases
This creative concept, then additional changes and modifications can be made to these embodiments.So the following claims are intended to be interpreted as
Including preferred embodiment and fall into all change and modification of range of embodiment of the invention.
Finally, it is to be noted that, herein, relational terms such as first and second and the like be used merely to by
One entity or operation are distinguished with another entity or operation, without necessarily requiring or implying these entities or operation
Between there are any actual relationship or orders.Moreover, the terms "include", "comprise" or its any other variant meaning
Covering non-exclusive inclusion, so that process, method, article or terminal device including a series of elements not only wrap
Those elements are included, but also including other elements that are not explicitly listed, or further includes for this process, method, article
Or the element that terminal device is intrinsic.In the absence of more restrictions, being wanted by what sentence "including a ..." limited
Element, it is not excluded that there is also other identical elements in process, method, article or the terminal device for including the element.
Above to a kind of payment processing method provided by the present invention and device, it is described in detail, it is used herein
A specific example illustrates the principle and implementation of the invention, and the above embodiments are only used to help understand
Method and its core concept of the invention；At the same time, for those skilled in the art is having according to the thought of the present invention
There will be changes in body embodiment and application range, in conclusion the content of the present specification should not be construed as to the present invention
Limitation.
Claims (10)
1. a kind of payment processing method, which is characterized in that the described method includes:
Payment request is received, the payment request at least carries the mark of payer；
Obtain the time of reception when receiving the payment request；
The permission time of payment section of the payer is obtained according to the mark of the payer；
Judge whether the time of reception is located in the permission time of payment section；
If the time of reception is not located in the permission time of payment section, refusal is propped up according to the payment request
It pays.
2. the method according to claim 1, wherein the method also includes:
If the time of reception was located in permissions time of payment section, according to the mark of the payer to the payment
Side sends checking request, and the checking request is for requesting the payer to provide the default evidence for payment of the payer；
Receive the evidence for payment that the payer is sent according to the checking request；
The default evidence for payment of the stored payer is obtained according to the mark of the payer；
Determine whether the default evidence for payment of received evidence for payment and acquisition is identical；
If received evidence for payment is different from the default evidence for payment of acquisition, the refusal is executed according to the payment request
The process paid；
If received evidence for payment is identical as the default evidence for payment of acquisition, paid according to the payment request.
3. according to the method described in claim 2, it is characterized in that, described stored according to the acquisition of the mark of the payer
The default evidence for payment of the payer, comprising:
It is obtained between the corresponding payer, permission time of payment section and default pay mark according to the mark of the payer
Corresponding relationship；
The section of permission time of payment corresponding to the time of reception is determined in the corresponding relationship；
Default evidence for payment corresponding with the permission time of payment section determined is searched in the corresponding relationship.
4. the method according to claim 1, wherein the method also includes:
After refusal is paid according to the payment request, Xiang Suoshu payer sends prompt information, the prompt information
For prompting to receive the payment request.
5. a kind of payment processing device, which is characterized in that described device includes:
Receiving module, for receiving payment request, the payment request at least carries the mark of payer；
First obtains module, for obtaining the time of reception when receiving the payment request；
Second obtains module, and the permission time of payment section of the payer is obtained for the mark according to the payer；
Judgment module, for judging whether the time of reception is located in the permission time of payment section；
Refuse module, if be not located in the permission time of payment section for the time of reception, refuses according to the branch
Request is paid to be paid.
6. device according to claim 5, which is characterized in that described device further include:
First sending module, if be located in the permission time of payment section for the time of reception, according to the payment
The mark of side sends checking request to the payer, and the checking request is for requesting the payer to provide the payer
Default evidence for payment；
Receiving module, the evidence for payment sent for receiving the payer according to the checking request；
Third obtains module, for the mark according to the payer obtain the default payment of the stored payer with
Card；
Whether determining module, the default evidence for payment for determining received evidence for payment and acquisition are identical；
The refusal module is also used to: if received evidence for payment is different from the default evidence for payment of acquisition, refusing basis
The payment request is paid；
If payment module is asked identical as the default evidence for payment of acquisition for received evidence for payment according to the payment
It asks and is paid.
7. device according to claim 6, which is characterized in that the third obtains module and includes:
Acquiring unit, for corresponding, the permission time of payment section according to the mark of the payer acquisition payer and in advance
If the corresponding relationship between pay mark；
Determination unit, for determining the section of permission time of payment corresponding to the time of reception in the corresponding relationship；
Searching unit, in the corresponding relationship search with determine the permission time of payment section it is corresponding it is default pay with
Card.
8. device according to claim 5, which is characterized in that described device further include:
Second sending module, for after refusal is paid according to the payment request, Xiang Suoshu payer to send prompt
Information, the prompt information received the payment request for prompting.
9. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, which is characterized in that the processor realizes branch according to any one of claims 1 to 4 when executing described program
The step of paying processing method.
10. a kind of computer readable storage medium, which is characterized in that be stored with computer on the computer readable storage medium
Program, the computer program realize payment processing method according to any one of claims 1 to 4 when being executed by processor
The step of.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810975685.XA CN109389403A (en) | 2018-08-24 | 2018-08-24 | A kind of payment processing method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810975685.XA CN109389403A (en) | 2018-08-24 | 2018-08-24 | A kind of payment processing method and device |
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| CN109389403A true CN109389403A (en) | 2019-02-26 |
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ID=65417539
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| CN201810975685.XA Pending CN109389403A (en) | 2018-08-24 | 2018-08-24 | A kind of payment processing method and device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110517026A (en) * | 2019-07-11 | 2019-11-29 | 平安普惠企业管理有限公司 | It prevents the method, apparatus for repeating to cash, cash system and readable storage medium storing program for executing |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103065240A (en) * | 2013-01-11 | 2013-04-24 | 中兴通讯股份有限公司 | Mobile payment processing method and system |
| CN107220830A (en) * | 2017-05-08 | 2017-09-29 | 深圳市牛鼎丰科技有限公司 | Method of payment, device, storage medium and computer equipment |
-
2018
- 2018-08-24 CN CN201810975685.XA patent/CN109389403A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103065240A (en) * | 2013-01-11 | 2013-04-24 | 中兴通讯股份有限公司 | Mobile payment processing method and system |
| CN107220830A (en) * | 2017-05-08 | 2017-09-29 | 深圳市牛鼎丰科技有限公司 | Method of payment, device, storage medium and computer equipment |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110517026A (en) * | 2019-07-11 | 2019-11-29 | 平安普惠企业管理有限公司 | It prevents the method, apparatus for repeating to cash, cash system and readable storage medium storing program for executing |
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