CN109598492A - A kind of method of payment, system, device, terminal and service server - Google Patents
A kind of method of payment, system, device, terminal and service server Download PDFInfo
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- CN109598492A CN109598492A CN201811196348.7A CN201811196348A CN109598492A CN 109598492 A CN109598492 A CN 109598492A CN 201811196348 A CN201811196348 A CN 201811196348A CN 109598492 A CN109598492 A CN 109598492A
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- 238000012011 method of payment Methods 0.000 title claims abstract description 27
- 238000000034 method Methods 0.000 claims abstract description 50
- 230000007246 mechanism Effects 0.000 claims description 17
- 230000005540 biological transmission Effects 0.000 claims description 4
- 238000004891 communication Methods 0.000 description 20
- 230000008569 process Effects 0.000 description 17
- 238000010586 diagram Methods 0.000 description 10
- 230000006870 function Effects 0.000 description 9
- 238000004590 computer program Methods 0.000 description 6
- 238000012545 processing Methods 0.000 description 5
- 238000005516 engineering process Methods 0.000 description 4
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 4
- 229910052737 gold Inorganic materials 0.000 description 4
- 239000010931 gold Substances 0.000 description 4
- 229910052709 silver Inorganic materials 0.000 description 4
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- 230000006399 behavior Effects 0.000 description 1
- 230000001413 cellular effect Effects 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000000750 progressive effect Effects 0.000 description 1
- 238000004080 punching Methods 0.000 description 1
- 239000004332 silver Substances 0.000 description 1
- 230000009466 transformation Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/351—Virtual cards
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
Disclose a kind of method of payment, system, device, terminal and service server.This method is applied to payment system, the payment system includes: client, server-side, the described method includes: the client obtains the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and the mark of the gathering entity and transaction amount are sent to the server-side；The server-side generates virtual bank's card number according to the bank's card number naming rule for the backing entity contracted；The server-side generates payment transaction bill, and the payment transaction bill is sent to backing entity belonging to virtual bank's card number, wherein, the payment transaction bill includes at least the mark of virtual bank's card number, the gathering entity, and the transaction amount, so that the backing entity is according to the transaction amount to the gathering entity pays transaction funds.
Description
Technical field
This specification embodiment is related to technical field of data processing more particularly to a kind of method of payment, system, device, end
End and service server.
Background technique
With the development of Internet technology and economic globalization, more and more payment mechanisms, which are intended to carry out in overseas, to be moved
Dynamic payment transaction, such as barcode scanning payment transaction.However, the area more flourishing for card tissue, such as European and American areas, Ren Menpu
All over getting used to being paid using bank card, such as credit card, thus, from hardware facility angle, and overseas existing payment
For settlement process, it is difficult that payment mechanism carries out mobile payment service in overseas.
Summary of the invention
In view of the above technical problems, this specification embodiment provides a kind of method of payment, system, device, terminal and business
Server, technical solution are as follows:
According to this specification embodiment in a first aspect, provide a kind of method of payment, it is applied to payment system,
The payment system includes client, server-side, which comprises
The client obtains the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and will be described
The mark of entity of collecting money and transaction amount are sent to the server-side；
The server-side generates virtual bank's card number according to the bank's card number naming rule for the backing entity contracted；
The server-side generates payment transaction bill, and the payment transaction bill is sent to virtual bank's card number
Affiliated backing entity, wherein the payment transaction bill includes at least the mark of virtual bank's card number, the gathering entity
Knowledge and the transaction amount provide so that the backing entity is traded according to the transaction amount to the gathering entity pays
Gold.
According to the second aspect of this specification embodiment, a kind of method of payment is provided,
Applied to client, which comprises
Obtain the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and by the gathering entity
Mark is sent to the server-side with transaction amount.
According to the third aspect of this specification embodiment, a kind of method of payment is provided, is applied to server-side, the method packet
It includes:
Receive the mark and transaction amount of the gathering entity that client is sent；
Virtual bank's card number is generated according to the bank's card number naming rule for the backing entity contracted；
Payment transaction bill is generated, and the payment transaction bill is sent to bank belonging to virtual bank's card number
Entity, wherein the payment transaction bill includes at least the mark of virtual bank's card number, the gathering entity, Yi Jisuo
Transaction amount is stated, so that the backing entity is according to the transaction amount to the gathering entity pays transaction funds.
According to the fourth aspect of this specification embodiment, a kind of payment system, including client, server-side are provided；
The client, for obtaining the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and
The mark of the gathering entity and transaction amount are sent to the server-side；
The server-side generates virtual bank's card for bank's card number naming rule according to the backing entity contracted
Number；
The server-side, is also used to generate payment transaction bill, and the payment transaction bill is sent to described virtual
Backing entity belonging to bank's card number, wherein the payment transaction bill includes at least virtual bank's card number, the gathering
The mark of entity and the transaction amount, so that the backing entity is according to the transaction amount to the gathering entity branch
Pay transaction funds.
According to the 5th of this specification embodiment the aspect, a kind of payment mechanism is provided, is applied to client, described device packet
It includes:
Module is obtained, for obtaining the mark and transaction amount of gathering entity by the specified barcode scanning means of payment；
Sending module, for the mark of the gathering entity and transaction amount to be sent to the server-side.
According to the 6th of this specification embodiment the aspect, a kind of payment mechanism is provided, is applied to server-side, described device packet
It includes:
Receiving module, the mark and transaction amount of the gathering entity for receiving client transmission；
Card number generation module generates virtual bank's card for bank's card number naming rule according to the backing entity contracted
Number；
Bill generation module for generating payment transaction bill, and the payment transaction bill is sent to described virtual
Backing entity belonging to bank's card number, wherein the payment transaction bill includes at least virtual bank's card number, the gathering
The mark of entity and the transaction amount, so that the backing entity is according to the transaction amount to the gathering entity branch
Pay transaction funds.
According to the 7th of this specification embodiment aspect, a kind of terminal is provided, including memory, processor and be stored in
On reservoir and the computer program that can run on a processor, wherein the processor realizes this explanation when executing described program
The method of payment that book embodiment provides.
According to the eighth aspect of this specification embodiment, a kind of service server is provided, including memory, processor and deposit
Store up the computer program that can be run on a memory and on a processor, wherein the processor is realized when executing described program
The method of payment that this specification embodiment provides.
Technical solution provided by this specification embodiment is obtained by the specified barcode scanning means of payment by client and is received
The mark and transaction amount of money entity, and the mark for entity of collecting money and transaction amount are sent to server-side；Server-side is according to
Bank's card number naming rule of the backing entity of signing generates virtual bank's card number；Server-side generates payment transaction bill, and will
Payment transaction bill is sent to backing entity belonging to virtual bank's card number, wherein payment transaction bill includes at least virtual silver
The mark and transaction amount of row card number, entity of collecting money, so that backing entity is traded according to transaction amount to gathering entity pays
Fund may be implemented under the premise of not changing the existing capital settlement process formulated for cCredit card payment, realize mobile branch
Universal, the promotion user experience for the business of paying.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification embodiment can be limited.
In addition, any embodiment in this specification embodiment does not need to reach above-mentioned whole effects.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification embodiment for those of ordinary skill in the art can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is a kind of application scenarios schematic diagram for realizing method of payment that one exemplary embodiment of this specification provides；
Fig. 2 is a kind of embodiment flow chart for method of payment that one exemplary embodiment of this specification provides；
Fig. 3 is a kind of example of payment code display interface；
Fig. 4 is the embodiment flow chart for another method of payment that one exemplary embodiment of this specification provides；
Fig. 5 is the embodiment flow chart for another method of payment that one exemplary embodiment of this specification provides；
Fig. 6 is the architecture diagram for the payment system that one exemplary embodiment of this specification provides；
Fig. 7 is a kind of embodiment block diagram for payment mechanism that one exemplary embodiment of this specification provides；
Fig. 8 is the embodiment block diagram for another payment mechanism that one exemplary embodiment of this specification provides；
Fig. 9 shows the more specifically terminal hardware structural schematic diagram of one kind provided by this specification embodiment；
Figure 10 shows one kind provided by this specification embodiment, and more specifically service server hardware configuration is illustrated
Figure.
Specific embodiment
In order to make those skilled in the art more fully understand the technical solution in this specification embodiment, below in conjunction with this
Attached drawing in specification embodiment is described in detail the technical solution in this specification embodiment, it is clear that described
Embodiment is only a part of the embodiment of this specification, instead of all the embodiments.The embodiment of base in this manual,
Those of ordinary skill in the art's every other embodiment obtained, all should belong to the range of protection.
With the development of internet technology, domestic user is consuming, such as supermarket shopping clearing or restaurant check clearing
When, increasingly tend to be paid using the payment class application program installed on mobile terminal, such as Alipay, wherein should
Payment class application program is the application program that special payment mechanism is developed.By such means of payment, tradition can solve
Pay in cash, cumbersome, problem that efficiency is lower brought by cCredit card payment, promote user experience.
However, currently, with the development of economic globalization, more and more payment mechanisms are intended in a kind of scene
It is overseas to carry out mobile payment service, such as barcode scanning payment transaction.However, the area more flourishing for card tissue, such as it is American-European
Area, people's common practice is in using bank card, such as credit card to carry out cCredit card payment, for such cCredit card payment mode, now
Settlement process be: after user card punching consumption, by backing entity according to pre-set billing cycle, such as T+1 is settled accounts
Period carries out capital settlement to gathering entity (such as merchant entities or acquirer of merchant entities cooperation), meanwhile, bank is real
Body can deduct the corresponding amount of money in user's bank card.
For this scene, the difficulty that payment mechanism carries out mobile payment service in overseas is: the intervention of payment mechanism, will
It is related to the transformation of existing capital settlement process, and to involve mechanism more for capital settlement process, to be transformed difficult larger.
Based on this, this specification embodiment provides a kind of method of payment, with do not change it is existing for cCredit card payment system
Under the premise of fixed capital settlement process, the universal of mobile payment service is realized.It is as follows, this method is illustrated:
Firstly, referring to Figure 1, a kind of applied field for realizing method of payment provided for one exemplary embodiment of this specification
Scape schematic diagram includes payment system 110, backing entity 120 in the Fig. 1, wherein payment system 110 may include: paying party end
End 111, server-side 112 and beneficiary terminal 113.
Paying party client with payment function, such as Alipay APP, beneficiary are installed in payer terminal 111
Terminal 113 can be the terminal of gathering entity (not shown in figure 1), such as shop, supermarket, hotel etc., and be equipped with has thereon
The beneficiary client of gathering functions.It should be noted that payer terminal 111 shown in Fig. 1 only takes the mobile phone as an example,
In practical application, payer terminal 111 can also for PAD, tablet computer etc., this specification embodiment to this with no restriction.
Server-side 112 is then paying party client server-side corresponding with beneficiary client namely paying party client
It can be communicated with server-side 112 with beneficiary client, it should be noted that server-side 112 shown in Fig. 1 is only with one
For server, in practical applications, server-side 112 can be server cluster, this specification embodiment to this with no restriction.
Based on application scenarios exemplified by Fig. 1, by taking user's (not shown in figure 1) is consumed in gathering entity as an example,
The method of payment that can then provide using this specification embodiment realizes payment, as follows, provides following embodiments and mentions to the present invention
The method of payment of confession is described in detail:
Embodiment one:
Fig. 2 is referred to, it, should for a kind of embodiment flow chart for method of payment that one exemplary embodiment of this specification provides
Method can be applied to payment system 110 exemplified by Fig. 1, comprising the following steps:
Step 202: client obtains the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and will
The mark and transaction amount of the gathering entity are sent to server-side.
Illustrate first, client described in this step is the general designation of paying party client and beneficiary client, is paid
It can be interacted by the specified barcode scanning means of payment between money side's client and beneficiary client, get gathering entity
Mark and transaction amount.
In one embodiment, can have barcode scanning equipment (not shown in figure 1), such as barcode scanning gun, the barcode scanning in gathering entity
Equipment can be connected with beneficiary terminal 113, can be used for scanning the payment code of paying party client displaying.Based on this, Yong Hu
When being paid by payer terminal 111, paying party client can be started, and operate paying party client and show payment
Code.The real intracorporal salesman of gathering can then operate barcode scanning equipment and be scanned to the payment code, and barcode scanning success then means to pay
Success.After barcode scanning success, paying party client then can be by the mark for entity of collecting money and the trade gold forelock of this payment
It send to server-side 112.
In another embodiment, it can be equipped with gathering two dimensional code in gathering entity, which can carry gathering
The mark of entity, then, user can start paying party client when paying by payer terminal 111, and operate and pay
The gathering two dimensional code being laid in money side's client scan gathering entity, after barcode scanning success, payment client can show gathering
Interface, user then can input the corresponding amount of money at the gathering interface, and click " confirmation payment ", at this time this means that payment at
Function.It can be seen that being handled by this kind, the available mark and this friendship paid to gathering entity of paying party client
The mark of the gathering entity and transaction amount then can be sent to server-side 112 by the easy amount of money, later, paying party client.
Step 204: server-side generates virtual bank's card number according to the bank's card number naming rule for the backing entity contracted.
In this specification embodiment, payment system 110 can in advance with the backing entity of cooperation, such as backing entity 120
Contract, " signing " mentioned here this means that user by payment system 110 to gathering entity pay after, by
The backing entity of signing carries out capital settlement to gathering entity.It can be seen that handling by this kind, it can not also change bank
The existing capital settlement process formulated for bankcard consumption between entity and gathering entity.
In one embodiment, server-side 112 receive a transaction it is corresponding gathering entity mark and transaction amount it
Afterwards, one can be generated virtually automatically according to the backing entity contracted, such as bank's card number naming rule of backing entity 120
Bank's card number.
In another embodiment, in above-mentioned steps 202, user shows the same of payment code in operation paying party client
When, it is also an option that the means of payment, for example, as shown in figure 3, user's selection " virtual bank's card transaction " this means of payment, that
, can then carry to be used to indicate in the payment code that is shown of payment client and the instruction of virtual bank's card mode of doing business is taken to disappear
Breath, then, by scanning the payment code, beneficiary client is available to arrive the instruction message, and together by the instruction message
It is sent to server-side.Server-side can then trigger after receiving the instruction message and generate virtual bank's card number.
It will be appreciated by persons skilled in the art that bank's card number naming rule of different bank entity is different, from
And affiliated backing entity can be identified by bank's card number.
In addition, it should be noted that, payment system 110 can be corresponding with an at least backing entity contracted, this explanation
Book embodiment to this with no restriction.In the case where payment system 110 is corresponding with two or more the backing entities contracted, service
End 112 can select a wherein backing entity from two or more the backing entities contracted, according to selected bank
Bank's card number naming rule of entity generates virtual bank's card number.
In an optional implementation, server-side 112 can from two or more the backing entities contracted with
Machine selects a wherein backing entity；In another optional implementation, server-side 112 can be preset according to user
Use habit select a wherein backing entity from two or more the backing entities contracted.Those skilled in the art can
With understanding, the optional implementation of both the above is as just citing, and in practical applications, there may also be other from two
Or more the implementation of a wherein backing entity is selected in the backing entity contracted, this specification embodiment does not make this
Limitation.
It should also be noted that, the user is under different time, different location, different scenes for same user
When being paid using paying party client, virtual bank's card number generated can be different every time for server-side 112.
Step 206: server-side generates payment transaction bill, and the payment transaction bill is sent to card number institute, virtual bank
The backing entity of category, wherein payment transaction bill includes at least the mark and trade gold of virtual bank's card number, entity of collecting money
Volume so that backing entity according to the transaction amount to gathering entity pays transaction funds.
In this specification embodiment, payment transaction bill is can be generated in server-side 112, and the payment transaction bill is then at least
Mark and transaction amount including virtual bank's card number, entity of collecting money.It is subsequent, server-side 112 then can according to virtual silver
The billing cycle of the agreement of backing entity belonging to row card number, such as T+1 billing cycle is to bank belonging to virtual bank's card number
Entity push payment transaction bill so that backing entity according to the transaction amount in the payment transaction bill to gathering entity branch
Pay transaction funds.
By the description in above-mentioned steps 204 and step 206 it is found that server-side 112 generates virtual bank's card number, then
The backing entity belonging to virtual bank's card number, can be generically to this process of the spending amount of gathering entity pays user
Being understood as server-side 112 is user temporarily to backing entity application one " credit card ", subsequent, then belonging to " credit card "
Backing entity in advance to gathering entity pays user spending amount.
Based on this, in this specification embodiment, server-side 112 can be according to transaction amount to belonging to virtual bank's card number
Backing entity payment transaction fund, and according to the account information of the user account currently logged in paying party client, from this
The transaction amount is deducted in user account.The treatment process can be popular be understood as " user carry out credit card repayment " this behaviour
Make.
In one embodiment, the payment code that paying party client is shown can also carry currently to be stepped in paying party client
The account information of the user account of record, then, beneficiary client is paid based on what user's operation scanning paying party client was shown
After money code, beneficiary client is then available to account information, and then beneficiary client can be by account information
It is sent to server-side 112.
In another embodiment, if paying party client is paid the bill using scanning gathering this mode of two dimensional code, then,
After completing payment operation, the account information of user account can be sent to server-side 112 by payment client.
The technical solution that this specification embodiment provides obtains gathering by the specified barcode scanning means of payment by client
The mark and transaction amount of entity, and the mark for entity of collecting money and transaction amount are sent to server-side；Server-side is according to having signed
Bank's card number naming rule of backing entity about generates virtual bank's card number；Server-side generates payment transaction bill, and will branch
It pays transaction bill and is sent to backing entity belonging to virtual bank's card number, wherein payment transaction bill includes at least virtual bank
The mark and transaction amount of card number, entity of collecting money, so that backing entity is provided according to transaction amount to gathering entity pays transaction
Gold may be implemented to realize mobile payment under the premise of not changing the existing capital settlement process formulated for cCredit card payment
Universal, the promotion user experience of business.
So far, the associated description of embodiment one is completed.
Embodiment two:
Fig. 4 is referred to, is the embodiment flow chart for another method of payment that one exemplary embodiment of this specification provides,
This method can be applied to client (including paying party client and beneficiary client in payment system 110 exemplified by Fig. 1
End), comprising the following steps:
Step 402: obtaining the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and by the gathering
The mark and transaction amount of entity are sent to server-side.
The technical solution that this specification embodiment provides, client obtain gathering entity by the specified barcode scanning means of payment
Mark and transaction amount, and the mark of the gathering entity and transaction amount are sent to server-side, may be implemented do not changing
Under the premise of the existing capital settlement process formulated for cCredit card payment, realizes the universal of mobile payment service, promote user
Experience.
So far, the associated description of embodiment two is completed.
Embodiment three:
Fig. 5 is referred to, is the embodiment flow chart for another method of payment that one exemplary embodiment of this specification provides,
This method can be applied to server-side 112 exemplified by Fig. 1, comprising the following steps:
Step 502: receiving the mark and transaction amount of the gathering entity that client is sent.
Step 504: virtual bank's card number is generated according to the bank's card number naming rule for the backing entity contracted.
Step 506: generating payment transaction bill, and the payment transaction bill is sent to silver belonging to virtual bank's card number
Row entity, wherein payment transaction bill includes at least the mark and transaction amount of virtual bank's card number, entity of collecting money, so that
Backing entity according to transaction amount to gathering entity pays transaction funds.
The technical solution that this specification embodiment provides, by the mark and transaction that receive the gathering entity that client is sent
The amount of money；Virtual bank's card number is generated according to the bank's card number naming rule for the backing entity contracted；Payment transaction bill is generated,
And the payment transaction bill is sent to backing entity belonging to virtual bank's card number, wherein payment transaction bill includes at least
Virtual bank's card number, collect money entity mark and transaction amount so that backing entity according to transaction amount to gathering entity branch
Transaction funds are paid, may be implemented to realize under the premise of not changing the existing capital settlement process formulated for cCredit card payment
Universal, the promotion user experience of mobile payment service.
So far, the associated description of embodiment three is completed.
Corresponding to embodiment of the method exemplified by above-mentioned Fig. 2, this specification embodiment also provides a kind of payment system, please join
See Fig. 6, the architecture diagram of the payment system provided for one exemplary embodiment of this specification, the payment system include: client 61,
Server-side 62.
Wherein, the client 61, for obtaining the mark and transaction of gathering entity by the specified barcode scanning means of payment
The amount of money, and the mark of the gathering entity and transaction amount are sent to the server-side；
The server-side 62 generates virtual bank's card for bank's card number naming rule according to the backing entity contracted
Number；
The server-side 62 is also used to generate payment transaction bill, and the payment transaction bill is sent to the void
Backing entity belonging to quasi- bank's card number, wherein the payment transaction bill includes at least virtual bank's card number, the receipts
The mark of money entity and the transaction amount, so that the backing entity is according to the transaction amount to the gathering entity
Payment transaction fund.
In one embodiment, the client 61 includes paying party client 611, beneficiary client 612；Wherein,
Paying party client 611, for showing payment code based on user's operation；
Beneficiary client 612, it is after barcode scanning success, gathering is real for scanning the payment code based on user's operation
The mark and transaction amount of body are sent to the server-side.
In one embodiment, paying party client 611 is also used to scan specified gathering two dimensional code based on user's operation,
Payment interface is shown after barcode scanning success, the gathering two dimensional code carries the mark of gathering entity belonging to the gathering two dimensional code
Know；
Paying party client 611 is also used to receive user and passes through the transaction amount of payment interface input；
Paying party client 611 is also used to the mark of the gathering entity and the transaction amount being sent to the clothes
Business end.In one embodiment, the payment code also carries the instruction message for being used to indicate and taking virtual bank's card mode of doing business；
Beneficiary client 612 is also used to after scanning the payment code based on user's operation, is obtained the instruction and is disappeared
Breath, and the instruction message is sent to the server-side；
Server-side 62, the instruction message sent for receiving the beneficiary client, and it is based on the instruction
Message generates virtual bank's card number according to the bank's card number naming rule for the backing entity contracted.
In one embodiment, the payment code also carries the user account currently logged in paying party client 611
Account information；
Beneficiary client 612 gets user's account after being also used to scan the payment code based on user's operation
The account information at family；
Beneficiary client 612 is also used to the account information of the user account being sent to the server-side.
In one embodiment, payment client 611, the account information hair for the user account for being also used to local will currently log in
It send to the server-side.
In one embodiment, server-side 62 are also used to be taken according to the account information from the paying party client 611
The transaction amount is deducted in the user account of preceding login.
Corresponding to embodiment of the method exemplified by above-mentioned Fig. 4, this specification embodiment also provides a kind of payment mechanism, the branch
Paying device can be applied to client, refer to Fig. 7, be a kind of payment mechanism that one exemplary embodiment of this specification provides
Embodiment block diagram, the device include: to obtain module 71, sending module 72.
Wherein, module 71 is obtained, can be used for obtaining the mark and friendship of gathering entity by the specified barcode scanning means of payment
The easy amount of money；
Sending module 72 can be used for the mark for entity of collecting money and transaction amount being sent to server-side.
It is understood that the module of module 71, sending module 72 as two kinds of functional independences is obtained, it both can be such as Fig. 7
Shown while configuration in a device, can also be configured individually in a device, therefore structure shown in Fig. 7 should not be construed as pair
The restriction of this specification example scheme.
Corresponding to embodiment of the method exemplified by above-mentioned Fig. 5, this specification embodiment also provides another payment mechanism, should
Payment mechanism can be applied to server-side, refer to Fig. 8, another payment dress provided for one exemplary embodiment of this specification
The embodiment block diagram set, the device include: receiving module 81, card number generation module 82 and bill generation module 83.
Wherein, receiving module 81 can be used for receiving the mark and transaction amount of the gathering entity of client transmission；
Card number generation module 82 can be used for being generated according to the bank's card number naming rule for the backing entity contracted virtual
Bank's card number；
Bill generation module 83 is sent to the void for generating payment transaction bill, and by the payment transaction bill
Backing entity belonging to quasi- bank's card number, wherein the payment transaction bill includes at least virtual bank's card number, the receipts
The mark of money entity and the transaction amount, so that the backing entity is according to the transaction amount to the gathering entity
Payment transaction fund.
It is understood that receiving module 81, card number generation module 82 and bill generation module 83 are used as three kinds of functions
Independent module can both be configured in a device simultaneously as shown in Figure 8, can also individually be configured in a device, therefore Fig. 8
Shown in structure should not be construed as the restriction to this specification example scheme.
In addition, in above-mentioned Fig. 7 and Fig. 8 shown device the function of modules and the realization process of effect be specifically detailed in it is above-mentioned
The realization process of step is corresponded in method, details are not described herein.
This specification embodiment also provides a kind of terminal, includes at least memory, processor and storage on a memory
And the computer program that can be run on a processor, wherein processor realizes method of payment above-mentioned when executing described program.It should
Method includes at least: obtaining the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and by the gathering
The mark and transaction amount of entity are sent to server-side.
This specification embodiment also provides a kind of service server, includes at least memory, processor and is stored in
On reservoir and the computer program that can run on a processor, wherein processor realizes payment above-mentioned when executing described program
Method.This method includes at least: receiving the mark and transaction amount of the gathering entity that client is sent；According to the bank to have contracted
Bank's card number naming rule of entity generates virtual bank's card number；Payment transaction bill is generated, and by the payment transaction bill
It is sent to backing entity belonging to virtual bank's card number, wherein the payment transaction bill includes at least the virtual silver
Row card number, it is described gathering entity mark and the transaction amount so that the backing entity according to the transaction amount to
The gathering entity pays transaction funds.
Fig. 9 shows the more specifically terminal hardware structural schematic diagram of one kind provided by this specification embodiment, the end
End may include: processor 910, memory 920, input/output interface 930, communication interface 940 and bus 950.Wherein handle
Device 910, memory 920, input/output interface 930 and communication interface 940 by bus 950 realize between in equipment
The communication connection in portion.
Processor 910 can use general CPU (Central Processing Unit, central processing unit), micro process
Device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one or
The modes such as multiple integrated circuits are realized, for executing relative program, to realize technical solution provided by this specification embodiment.
Memory 920 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 920 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 920, and execution is called by processor 910.
Input/output interface 930 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 940 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 950 includes an access, in various components (such as the processor 910, memory 920, input/output of equipment
Interface 930 and communication interface 940) between transmit information.
It should be noted that although above equipment illustrates only processor 910, memory 920, input/output interface
930, communication interface 940 and bus 950, but in the specific implementation process, which can also include realizing to operate normally
Necessary other assemblies.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising realizing in above equipment
Component necessary to this specification example scheme, without including all components shown in figure.
Figure 10 shows one kind provided by this specification embodiment, and more specifically service server hardware configuration is illustrated
Figure, which may include: processor 1010, memory 1020, input/output interface 1030, communication interface 1040
With bus 1050.Wherein processor 1010, memory 1020, input/output interface 1030 and communication interface 1040 pass through bus
Communication connection between 1050 realizations inside equipment.
Processor 1010 can use general CPU (Central Processing Unit, central processing unit), micro- place
Reason device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one
Or the modes such as multiple integrated circuits are realized, for executing relative program, to realize technical side provided by this specification embodiment
Case.
Memory 1020 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 1020 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 1020, and execution is called by processor 1010.
Input/output interface 1030 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 1040 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 1050 include an access, equipment various components (such as processor 1010, memory 1020, input/it is defeated
Outgoing interface 1030 and communication interface 1040) between transmit information.
It should be noted that although above equipment illustrates only processor 1010, memory 1020, input/output interface
1030, communication interface 1040 and bus 1050, but in the specific implementation process, which can also include realizing normal fortune
Other assemblies necessary to row.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising real in above equipment
Component necessary to existing this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
Method of payment above-mentioned is realized when sequence is executed by processor.This method includes at least: being obtained by the specified barcode scanning means of payment
The mark and transaction amount of gathering entity, and the mark of the gathering entity and transaction amount are sent to server-side.
This specification embodiment also provides another computer readable storage medium, is stored thereon with computer program, should
Method of payment above-mentioned is realized when program is executed by processor.This method includes at least: receiving the gathering entity that client is sent
Mark and transaction amount；Virtual bank's card number is generated according to the bank's card number naming rule for the backing entity contracted；It generates
Payment transaction bill, and the payment transaction bill is sent to backing entity belonging to virtual bank's card number, wherein institute
It states payment transaction bill and includes at least virtual bank's card number, the mark of the gathering entity and the transaction amount, with
Make the backing entity according to the transaction amount to the gathering entity pays transaction funds.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It is each to obtain computer equipment (can be personal computer, server or the network equipment etc.) execution this specification embodiment
Method described in certain parts of a embodiment or embodiment.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for device reality
For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method
Part explanation.The apparatus embodiments described above are merely exemplary, wherein described be used as separate part description
Module may or may not be physically separated, can be each module when implementing this specification example scheme
Function realize in the same or multiple software and or hardware.Can also select according to the actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are not the case where making the creative labor
Under, it can it understands and implements.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.
Claims (20)
1. a kind of method of payment is applied to payment system, the payment system includes client, server-side, which comprises
The client obtains the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and by the gathering
The mark and transaction amount of entity are sent to the server-side；
The server-side generates virtual bank's card number according to the bank's card number naming rule for the backing entity contracted；
The server-side generates payment transaction bill, and the payment transaction bill is sent to belonging to virtual bank's card number
Backing entity, wherein the payment transaction bill include at least virtual bank's card number, it is described gathering entity mark,
And the transaction amount, so that the backing entity is according to the transaction amount to the gathering entity pays transaction funds.
2. according to the method described in claim 1, the client includes paying party client, beneficiary client；
The client obtains the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and by the gathering
The mark and transaction amount of entity are sent to the server-side, comprising:
The paying party client is based on user's operation and shows payment code；
The beneficiary client is based on user's operation and scans the payment code, after barcode scanning success, by the mark for entity of collecting money
The server-side is sent to transaction amount.
3. according to the method described in claim 1, the client includes paying party client, beneficiary client；
The client obtains the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and by the gathering
The mark and transaction amount of entity are sent to the server-side, comprising:
The paying party client gathering two dimensional code specified based on user's operation scanning, shows payment circle after barcode scanning success
Face, the gathering two dimensional code carry the mark of gathering entity belonging to the gathering two dimensional code；
The payment client receives user and passes through the transaction amount of payment interface input；
The mark of the gathering entity and the transaction amount are sent to the server-side by the payment client.
4. taking virtual bank to block counterparty according to the method described in claim 2, the payment code also carries to be used to indicate
The instruction message of formula；
The method also includes:
The beneficiary client obtains the instruction message after scanning the payment code based on user's operation, and by institute
It states instruction message and is sent to the server-side；
The server-side generates virtual bank's card number according to the bank's card number naming rule for the backing entity contracted, comprising:
The server-side receives the instruction message that the beneficiary client is sent, and is based on the instruction message, root
Virtual bank's card number is generated according to the bank's card number naming rule for the backing entity contracted.
5. according to the method described in claim 2, the payment code is also carried and is currently logged in the paying party client
The account information of user account；
After the beneficiary client is based on the user's operation scanning payment code, the method also includes:
The beneficiary client gets the account information of the user account；
The account information of the user account is sent to the server-side by the beneficiary client.
6. according to the method described in claim 3, the method also includes:
The account information of the local user account currently logged in is sent to the server-side by the payment client.
7. method according to claim 5 or 6, the method also includes:
The server-side deducts institute from the user account currently logged in the paying party client according to the account information
State transaction amount.
8. a kind of method of payment is applied to client, which comprises
Obtain the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and by the mark of the gathering entity
Server-side is sent to transaction amount.
9. a kind of method of payment is applied to server-side, which comprises
Receive the mark and transaction amount of the gathering entity that client is sent；
Virtual bank's card number is generated according to the bank's card number naming rule for the backing entity contracted；
Payment transaction bill is generated, and the payment transaction bill is sent to the reality of bank belonging to virtual bank's card number
Body, wherein the payment transaction bill includes at least virtual bank's card number, the gathering mark of entity and described
Transaction amount, so that the backing entity is according to the transaction amount to the gathering entity pays transaction funds.
10. a kind of payment system, including client, server-side；
The client, for obtaining the mark and transaction amount of gathering entity by the specified barcode scanning means of payment, and by institute
The mark and transaction amount for stating gathering entity are sent to the server-side；
The server-side, for generating virtual bank's card number according to the bank's card number naming rule for the backing entity contracted；
The server-side is also used to generate payment transaction bill, and the payment transaction bill is sent to the virtual bank
Backing entity belonging to card number, wherein the payment transaction bill includes at least virtual bank's card number, the gathering entity
Mark and the transaction amount so that the backing entity is handed over according to the transaction amount to the gathering entity pays
Easy fund.
11. system according to claim 10, the client includes paying party client, beneficiary client；
The paying party client, for showing payment code based on user's operation；
The beneficiary client, for scanning the payment code based on user's operation, after barcode scanning success, by entity of collecting money
Mark is sent to the server-side with transaction amount.
12. system according to claim 11,
The paying party client is also used to scan specified gathering two dimensional code based on user's operation, shows after barcode scanning success
Payment interface, the gathering two dimensional code carry the mark of gathering entity belonging to the gathering two dimensional code；
The paying party client is also used to receive user and passes through the transaction amount of payment interface input；
The paying party client is also used to the mark of the gathering entity and the transaction amount being sent to the service
End.
13. system according to claim 11, the payment code, which also carries to be used to indicate, takes virtual bank's card transaction
The instruction message of mode；
The beneficiary client is also used to after scanning the payment code based on user's operation, obtains the instruction message,
And the instruction message is sent to the server-side；
The server-side, the instruction message sent for receiving the beneficiary client, and disappeared based on the instruction
Breath generates virtual bank's card number according to the bank's card number naming rule for the backing entity contracted.
14. system according to claim 11, the payment code also carries currently to be logged in the paying party client
User account account information；
The beneficiary client gets the user account after being also used to scan the payment code based on user's operation
Account information；
The beneficiary client is also used to the account information of the user account being sent to the server-side.
15. system according to claim 12, the payment client are also used to the local user account currently logged in
Account information be sent to the server-side.
16. system according to claim 14 or 15, the server-side are also used to according to the account information from described pair
The transaction amount is deducted in the user account currently logged in money side's client.
17. a kind of payment mechanism, is applied to client, described device includes:
Module is obtained, for obtaining the mark and transaction amount of gathering entity by the specified barcode scanning means of payment；
Sending module, for the mark of the gathering entity and transaction amount to be sent to server-side.
18. a kind of payment mechanism, is applied to server-side, described device includes:
Receiving module, the mark and transaction amount of the gathering entity for receiving client transmission；
Card number generation module, for generating virtual bank's card number according to the bank's card number naming rule for the backing entity contracted；
Bill generation module is sent to the virtual bank for generating payment transaction bill, and by the payment transaction bill
Backing entity belonging to card number, wherein the payment transaction bill includes at least virtual bank's card number, the gathering entity
Mark and the transaction amount so that the backing entity is handed over according to the transaction amount to the gathering entity pays
Easy fund.
19. a kind of terminal including memory, processor and stores the computer journey that can be run on a memory and on a processor
Sequence, wherein the processor realizes method according to claim 8 when executing described program.
20. a kind of service server including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, wherein the processor realizes method as claimed in claim 9 when executing described program.
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| CN201811196348.7A CN109598492B (en) | 2018-10-15 | 2018-10-15 | Payment method, system, device, terminal and service server |
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| CN201811196348.7A CN109598492B (en) | 2018-10-15 | 2018-10-15 | Payment method, system, device, terminal and service server |
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| CN110889681A (en) * | 2019-10-31 | 2020-03-17 | 支付宝(杭州)信息技术有限公司 | Anonymous transaction method and system based on digital currency |
| CN111738708A (en) * | 2020-06-19 | 2020-10-02 | 中国建设银行股份有限公司 | Data processing method, device, server and storage medium |
| CN111738708B (en) * | 2020-06-19 | 2024-04-26 | 中国建设银行股份有限公司 | Data processing method, device, server and storage medium |
| CN112598407A (en) * | 2021-03-02 | 2021-04-02 | 捷德(中国)科技有限公司 | Transaction method, device, electronic equipment and storage medium |
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