CN110135838A - Electric paying method, device, computer equipment and storage medium - Google Patents
Electric paying method, device, computer equipment and storage medium Download PDFInfo
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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- G—PHYSICS
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Abstract
Electric paying method proposed by the present invention based on data processing, device, computer equipment and storage medium, wherein method includes: the transaction request for receiving and issuing after payment two dimensional code of the consumer using payment software scanning target trade company, payment mechanism information and preset payment mechanism list are compared, to judge whether to identify the corresponding payment mechanism of payment software, judge whether payment mechanism belongs to Unionpay if identifying, if belonging to Unionpay, transaction request is then sent to the core transaction system of Unionpay, and receive the first feedback information of return, if being not belonging to Unionpay, then transaction request is sent to the core transaction system of payment mechanism, and receive the second feedback information of the core transaction system of payment mechanism；Then it identifies target trade company and the first feedback information or the second feedback information is sent in the receipts list software of target trade company, to complete the payment transaction of consumer Yu target trade company, greatly improve the convenience that trade company uses two dimensional code to collect money.
Description
Technical field
The present invention relates to the technical field of data processing, a kind of electric paying method, device, calculating are especially related to
Machine equipment and storage medium.
Background technique
With development in science and technology, e-payment has become the essential a part of people's daily life, clothing, food, lodging and transportion -- basic necessities of life with
E-payment is inseparable, and current many shop businessmans generally allow consumer scans by showing two dimensional code to pay the bill.
The two dimensional code of businessman or the multiple payment mechanisms of displaying in the prior art, such as wechat two dimensional code, Alipay two dimensional code
Deng or show the two dimensional codes of the multiple payment mechanisms of set, but ability all must be docked with multiple payment mechanisms in trade company
It completes, is registered respectively since payment mechanism difference trade company also needs to correspond to each payment mechanism, to the cumbersome process such as account book,
Cause trade company not convenient enough using two dimensional code receipt on account.
Summary of the invention
The main object of the present invention is to provide a kind of electric paying method, device, computer equipment and storage medium, it is intended to
Solve the problems, such as that trade company is not convenient enough using two dimensional code receipt on account.
Based on foregoing invention purpose, the present invention proposes a kind of electric paying method, comprising:
Receive the transaction request issued after payment two dimensional code of the consumer using payment software scanning target trade company, the friendship
Easily identification information of the request including the corresponding payment mechanism information of the payment software and the target trade company, the payment are soft
Part is the software developed by the payment mechanism；
The payment mechanism information and preset payment mechanism list are compared, to judge whether to identify the branch
Pay the corresponding payment mechanism of software；
If identifying the corresponding payment mechanism of the payment software, judge whether the payment mechanism belongs to Unionpay, institute
State the information that payment mechanism list includes the payment mechanism of multiple cooperations；
If the payment mechanism belongs to Unionpay, the transaction request is sent to the core transaction system of the Unionpay,
And the first feedback information that the core transaction system for receiving the Unionpay is sent, first feedback information are by the payment machine
The core transaction system of structure after receiving the transaction request and being withholdd, what the core transaction system of Xiang Yinlian issued
It withholds information；
If the payment mechanism is not belonging to Unionpay, the transaction request is sent to the core transaction of the payment mechanism
System, and the second feedback information of the core transaction system of the payment mechanism is received, second feedback information is the branch
Pay the information of withholing that the core transaction system of mechanism is withholdd after receiving the transaction request；
The target trade company is identified according to the identification information, and first feedback information or described second are fed back
Information is sent in the receipts list software of the target trade company, to complete the payment transaction of the consumer Yu the target trade company,
The single software of the receipts is the target trade company for confirming successful software of trading.
Further, the friendship issued after the payment two dimensional code for receiving consumer using payment software scanning target trade company
Before the step of easily requesting, comprising:
Receive the application information for being used to apply the payment two dimensional code that the target trade company submits；
The application information is audited；
If the application information obtains merchant information, and according to the trade company by audit from the application information
Information generates the payment two dimensional code for being specific to the target trade company；
The payment two dimensional code is handed down to the target trade company.
Further, the information of withholing includes the merchant information, the step audited to the application information
After rapid, comprising:
If the application information is bound the merchant information and acquirer number by audit, and by the trade company
Information is put on record to the core transaction system of the Unionpay, so that the core transaction system of the Unionpay is receiving described withhold
Identify that acquirer number, the acquirer number are to sign the association that networks with the Unionpay according to the merchant information after information
The account that the Unionpay issues when view.
Further, described that first feedback information or second feedback information are sent to the target trade company
Receive in single software, the step of payment transaction to complete the consumer and the target trade company after, comprising:
The total amount of Successful Transaction in the primary preset time period is sent to the target quotient by every preset time period
Family, the total amount by each target bank according to the clearing of corresponding transaction request after, the transaction amount that respectively obtains it is total
With.
Further, described that first feedback information or second feedback information are sent to the target trade company
Receive in single software, the step of payment transaction to complete the consumer and the target trade company after, comprising:
The transaction of the target trade company within a preset time is generated into bill report, and the bill report is sent to institute
State target trade company.
Further, described that first feedback information or second feedback information are sent to the target trade company
Receive in single software, the step of payment transaction to complete the consumer and the target trade company after, comprising:
Marketing task is triggered according to the feedback information；
The red packet or bonus of the random amount of money are issued by the payment software according to the marketing task.
Further, described that first feedback information or second feedback information are sent to the target trade company
Receive in single software, the step of payment transaction to complete the consumer and the target trade company after, comprising:
The bill information of the payment transaction is obtained, and is stored into preset database；
Receive the query information that the target trade company inputs in the query window for receiving single software；
The bill information is obtained from the database according to the query information, and the bill information is sent into institute
The single software of receipts is stated, to show in query window.
The present invention also provides a kind of payment devices, comprising:
Request unit is received, for issuing after receiving payment two dimensional code of the consumer using payment software scanning target trade company
Transaction request, the transaction request includes the knowledge of the corresponding payment mechanism information of the payment software and the target trade company
Other information, the payment software are the software developed by the payment mechanism；
Comparative information unit, for comparing the payment mechanism information and preset payment mechanism list, to sentence
It is disconnected whether to identify the corresponding payment mechanism of the payment software；
Identification mechanism unit, if judging the payment machine for identifying the corresponding payment mechanism of the payment software
Whether structure belongs to Unionpay, and the payment mechanism list includes the information of the payment mechanism of multiple cooperations；
The transaction request when belonging to Unionpay for the payment mechanism, is sent to the Unionpay by the first transmission unit
Core transaction system, and the first feedback information that the core transaction system for receiving the Unionpay is sent, the feedback information is
By the core transaction system of payment mechanism after receiving the transaction request and being withholdd, the core transaction system of Xiang Yinlian
The information of withholing that system issues；
The transaction request is sent to the payment if the payment mechanism is not belonging to Unionpay by the second transmission unit
The core transaction system of mechanism, and the second feedback information of the core transaction system of the payment mechanism is received, described second is anti-
Feedforward information is the information of withholing that the core transaction system of the payment mechanism is withholdd after receiving the transaction request；
Trade company's unit is identified, for identifying the target trade company according to the identification information, for anti-by described first
Feedforward information or the second feedback information are sent in the receipts list software of the target trade company, to complete the consumer and the target
The payment transaction of trade company, the single software of the receipts are the target trade company for confirming successful software of trading.
The present invention also provides a kind of computer equipment, including memory and processor, the memory is stored with computer
The step of program, the processor realizes the above method when executing the computer program.
The present invention also provides a kind of computer readable storage mediums, are stored thereon with computer program, the computer
The step of above method is realized when program is executed by processor.
The invention has the benefit that consumer is scanned by corresponding any payment software in default payment mechanism list
Two dimensional code of paying the bill all can be completed to trade with trade company, and trade company can be supported without docking with each payment mechanism using a two dimensional code
Multiple channel completes barcode scanning payment, greatly improves the convenience that trade company uses two dimensional code to collect money.
Detailed description of the invention
Fig. 1 is the step schematic diagram of electric paying method in one embodiment of the invention；
Fig. 2 is the structural schematic block diagram of payment devices in one embodiment of the invention；
Fig. 3 is the structural schematic block diagram of the computer equipment of one embodiment of the invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
Referring to Fig.1, the electric paying method in the present embodiment, comprising:
Step S1: it receives the transaction issued after payment two dimensional code of the consumer using payment software scanning target trade company and asks
It asks, the transaction request includes the identification information of the corresponding payment mechanism information of the payment software and the target trade company,
The payment software is the software developed by the payment mechanism；
Step S2: the payment mechanism information and preset payment mechanism list are compared, to judge whether to identify
The corresponding payment mechanism of the payment software out；
Step S3: if identifying the corresponding payment mechanism of the payment software, judge whether the payment mechanism belongs to
Unionpay, the payment mechanism list include the information of the payment mechanism of multiple cooperations
Step S4: if the payment mechanism belongs to Unionpay, the core that the transaction request is sent to the Unionpay is handed over
Easy system, and the first feedback information that the core transaction system for receiving the Unionpay is sent, first feedback information are by propping up
The core transaction system of mechanism is paid after receiving the transaction request and being withholdd, the core transaction system of Xiang Yinlian is sent out
Information of withholing out；
Step S5: if the payment mechanism is not belonging to Unionpay, the transaction request is sent to the payment mechanism
Core transaction system, and the second feedback information of the core transaction system of the payment mechanism is received, second feedback information
The information of withholing withholdd after receiving the transaction request for the core transaction system of the payment mechanism；
Step S6: identifying the target trade company according to the identification information, and by first feedback information or described
Second feedback information is sent in the receipts list software of the target trade company, to complete pair of the consumer and the target trade company
Money transaction, the single software of the receipts are the target trade company for confirming successful software of trading.
As described in above-mentioned steps S1, this programme is realized by acquiring system, is corresponding with one or more quotient in acquiring system
These trade companies can be carried out trade management by the information at family, include the information of above-mentioned target trade company in multiple merchant informations.Above-mentioned branch
The software that software is payment mechanism exploitation is paid, payment structure can be bank, Tencent, Alibaba etc., corresponding, payment software
It can be bank APP, wechat, Alipay etc..The above-mentioned payment two dimensional code for gathering is handed down to target trade company by acquiring system,
The payment two dimensional code includes the information of the corresponding target trade company, when consumer scans the two dimensional code using payment software
The pending payment page is obtained, which includes corresponding merchant information, such as name of firm, account, and then consumer is in the page
Transaction amount is inputted, sends transaction request to acquiring system, which includes name of firm, product, transaction amount, payment
Software type, and the identification information of target trade company got by above-mentioned payment two dimensional code, and it is currently used in scanning two
Tie up the corresponding payment mechanism information of payment software of code.
As described in above-mentioned steps S2-S3, after acquiring system receives transaction request, above-mentioned branch is obtained from transaction request
The identification information for paying organization information and target trade company, due to not all payment mechanism all with acquirer cooperation, therefore
It is not embodied in the payment mechanism of acquirer cooperation in above-mentioned payment mechanism list, is wrapped in the payment mechanism list
Multiple information with the payment mechanism of acquirer cooperation, such as title information are included, if at this moment carrying out with the payment mechanism list
Comparison, then can not identify, consumer can not pay；But it if identifying above-mentioned payment mechanism by comparison, at this moment can prop up
Pay whether mechanism belongs to Unionpay (China UnionPay, Chinese Bank Card united organization, abbreviation Unionpay).
As described in above-mentioned steps S4-S5, it is known that Unionpay and each bank all have respective core transaction system
System, for handling the Transaction Information of transaction and the above-mentioned transaction formation of management between each account.If judging above-mentioned payment machine
Structure belongs to Unionpay, then above-mentioned transaction request can be sent to the core transaction system of Unionpay, and the core transaction system of Unionpay receives
To after transaction request, the core transaction system of Unionpay goes out corresponding target according to the payment software type identification in transaction request
Bank or payment mechanism (such as wechat or Alipay), that is, identify the transaction request can by which bank or payment machine
Structure is paid, and then transaction request is sent to the core of the target bank or payment mechanism by the core transaction system of Unionpay
Transaction system.It is understood that illustrating that this disappears if it is wechat or Alipay etc. that the core transaction system identification of Unionpay, which goes out,
The wechat or Alipay of expense person remains with virtual account in Unionpay, so the core transaction system of Unionpay can be to the two branch
The transaction request that software issues is paid to be identified.
In the present embodiment, it is bank paying software that consumer, which uses, then corresponding, Unionpay identifies to be target silver
Transaction request, is then sent to the core transaction system of above-mentioned target bank, the core transaction system of the target bank connects by row
After receiving transaction request, which is handled, is such as withholdd to the bank account of consumer, then will be withholdd
Feedback information afterwards is sent to the core transaction system of Unionpay, which includes deducted amount, tradable commodity, trade company's account
Number, consumer's account etc. information, the core transaction system of Unionpay identify that target trade company belongs to again depending on the feedback information
Then the feedback information is sent to acquiring system by acquiring system, above-mentioned feedback information is denoted as the herein for the ease of distinguishing
One feedback information, it is to be understood that before the core transaction system of Unionpay is identified, the corresponding acquirer of acquiring system
First with Unionpay and it is not belonging to the bank of Unionpay and signs into fidonetFido (cooperation agreement), while the trade company with acquirer cooperation
(including above-mentioned target trade company) also by acquiring system networking Unionpay, Unionpay can distribute to acquiring system one after agreement is signed successfully
A acquirer number, at this moment merchant information is bound with acquirer number, when the core transaction system of Unionpay passes through feedback identifying
When target trade company, determines that target trade company belongs to acquiring system according to acquirer number, then feedback information can be sent to receipts single
System, in addition current trade company is difficult to realize individually sign with Unionpay into fidonetFido, because actually trade company is numerous, and receives single
Mechanism can then cooperate with multiple trade companies, then sign with Unionpay into fidonetFido.
As described in above-mentioned steps S6, since acquiring system can manage multiple trade companies, so above-mentioned acquiring system receives this
After first feedback information, target trade company is identified according to above-mentioned identification information, as passed through trade company's account in feedback information
The corresponding target trade company of feedback information is found in preset data bank, then first feedback information is fed back into target trade company
Receipts list software, at this moment consumer can get paid successful message by above-mentioned payment software, produce to complete current purchase
The payment transaction of product, above-mentioned receipts list software are the APP for corresponding to above-mentioned acquiring system and developing, and trade company can be true by the receipts list software
Recognize the expense money of consumer payment.
When judging that above-mentioned payment mechanism is not belonging to Unionpay, such as Alibaba and Tencent, corresponding payment software can be micro-
Letter, Alipay and QQ etc. software, and the corresponding wechat of current consumer or Alipay etc. in Unionpay without virtual account, this
When payment software transaction request can be sent to the core transaction system of counterpart expenditure mechanism, be dealt into if wechat payment software micro-
Believe core transaction system, Alipay payment software is then sent to Alipay core transaction system, after payment mechanism is withholdd
Feedback information is returned, is denoted as the second feedback information for the ease of difference, which is the core transaction of payment mechanism
Information that system was withholdd after receiving the transaction request withhold, can identify that target trade company belongs to according to identification information
Above-mentioned acquirer, and feedback information is sent to acquiring system, acquiring system is identified again sends the second feedback information
To the receipts list software of target trade company.
In the prior art, in order to facilitate the two dimensional code or displaying one of consumer payment or the multiple payment mechanisms of displaying
The two dimensional code of the multiple payment mechanisms of Zhang Jihe, but trade company must all dock with multiple payment mechanisms and could complete, due to payment
Mechanism difference also needs to correspond to each payment mechanism and carries out respectively to the cumbersome process such as account book, and this programme trade company only need to be single with receipts
System docking, Unionpay can identify the acquirer that each trade company belongs to by acquirer number when payment, then by receiving monosystem
System completes payment, and trade company is not necessarily in the registration of each payment mechanism and reconciliation, and can be mentioned by a two dimensional code to consumer
For a variety of channel of disbursement, the convenience that trade company uses two dimensional code to collect money is greatly increased.
In one embodiment, before above-mentioned steps S1, comprising:
Step S01: the application information for being used to apply the payment two dimensional code that the target trade company submits is received；
Step S02: the application information is audited；
Step S03: if the application information obtains merchant information, and foundation by audit from the application information
The merchant information generates the payment two dimensional code for being specific to the target trade company；
Step S04: the payment two dimensional code is handed down to the target trade company.
In the present embodiment, before the two dimensional code that will pay the bill is handed down to trade company, target trade company needs to propose Shen to acquiring system
Please, in order to avoid the trade company that above-mentioned target trade company is qualification trade company not up to standard or falseness, target trade company can be audited, is had
For body, application information is submitted to acquiring system by target trade company, and this application information includes the basic merchant information of target trade company, money
The information such as matter, settlement accounts, acquiring system audit these information, such as default qualification standard, if the qualification of target trade company
It is up to standard, then show that the target trade company by audit, at this moment can obtain merchant information from above-mentioned application information, such as title, account
Deng, this information is generated to the payment two dimensional code for being specific to target trade company, it is then that the payment two dimensional code is single soft by mail or receipts
Part or other communication tools are sent to target trade company.
In one embodiment, after above-mentioned steps S02, comprising:
Step S021: if the application information, by audit, the merchant information and acquirer number are bound, and by institute
It states merchant information to put on record to the core transaction system of the Unionpay, so that the core transaction system of the Unionpay is receiving
It states information of withholing and identifies acquirer number according to the merchant information later, the acquirer number is and the Unionpay signs
The account that the Unionpay issues when entering fidonetFido.
In the present embodiment, due to needing the core transaction system of the payment mechanism by Unionpay or other cooperations by feedback letter
Breath feeds back to acquiring system, i.e., needs to identify that target trade company belongs to acquirer in this process Unionpay, therefore will be upper
It states payment two dimensional code to bind merchant information and acquirer number while be handed down to target trade company, and the merchant information is led to
Cross the core transaction system for the payment mechanism that acquiring system is put on record to Unionpay or other cooperations.Specifically, due to acquirer
It signs with Unionpay into fidonetFido, when signing into fidonetFido, acquirer number has been issued to acquirer by Unionpay, so by quotient
Family information binds with acquirer number and then stores merchant information to Unionpay or other payments cooperated according to fidonetFido is entered
The core transaction system of mechanism, so that the core transaction system of the payment mechanism of Unionpay, Unionpay or other cooperations can be believed by trade company
Breath identifies acquirer number, that is, identifies that target trade company belongs to acquirer, if at this moment Unionpay, Unionpay or other cooperations
The core transaction system of payment mechanism receive feedback information, include merchant information in feedback information, then can be according to feedback
Information obtains merchant information, to identify that the target trade company belongs to acquirer by merchant information, then by feedback information
It is sent to acquiring system.
In one embodiment, after above-mentioned steps S6, comprising:
Step S7: it is sent to by the total amount that every preset time period sends Successful Transaction in the primary preset time period
The target trade company, the total amount by each target bank according to the clearing of corresponding transaction request after, the friendship that respectively obtains
The summation of the easy amount of money.
In the present embodiment, for consumer after completing payment, the transaction amount of consumer has deducted in corresponding target bank,
But transaction amount can't be sent to trade company at once, but sent once by acquiring system by every preset time period,
As every monthly billing is primary, and the total amount by of that month Successful Transaction is sent to trade company every time, and target bank each first can be
Specified time settles accounts transaction amount of the trade company within a preset period of time (in such as one month), and then each target bank will be right
The transaction amount answered is sent to the payment mechanism of Unionpay or other cooperations, then these transaction amount are sent to acquiring system, receives
The transaction amount merger of all correspondence trade companies is obtained above-mentioned total amount by single system, then sends total amount to the clearing of trade company
Account, such target trade company only need to dock with acquiring system, can receive the expense money that consumer is paid by each channel.
In one embodiment, after above-mentioned steps S6, comprising:
Step S8: generating bill report for target trade company transaction within a preset time, and by the bill report
It is sent to the target trade company.
In the present embodiment, since each transaction request of trade company passes through acquiring system, acquiring system can be by preset time
Interior total amount is sent to after the settlement accounts of trade company, the transaction in preset time can also be generated corresponding bill report
Table, the bill report include the information of the every transaction of trade company, and trade company is made more intuitively to be able to observe that transaction data.
In one embodiment, after above-mentioned steps S6, comprising:
Step S60: marketing task is triggered according to the feedback information；
Step S61: the red packet or bonus of the random amount of money are issued by the payment software according to the marketing task.
It is above-mentioned in order to promote consumer spending in the present embodiment, marketing activity can also be carried out by acquiring system, complete
At marketing task is triggered after transaction, above-mentioned marketing task includes that red packet or the reward of the random amount of money are issued by payment software
Gold, specifically, acquiring system receives completion transaction successful information while triggering marketing when consumer completes payment transaction
Task sends core transaction system of the marketing message to target bank, the core transaction system of target bank according to marketing task
The information of consumer is obtained according to marketing message, and the random amount of money in default amount is then generated into above-mentioned red packet or bonus,
And consumer is handed down to by corresponding payment software.
In one embodiment, after above-mentioned steps S6, comprising:
Step S62: obtaining the bill information of the payment transaction, and stores into preset database；
Step S63: the query information that the target trade company inputs in the query window for receiving single software is received；
Step S64: the bill information is obtained from the database according to the query information, and the bill is believed
Breath sends the single software of the receipts, to show in query window.
In the present embodiment, after target trade company and consumer's completion payment transaction, the payment can be handed in acquiring system
The transaction event being readily accomplished is recorded, and bill letter at this moment can be got according to above-mentioned feedback information and above-mentioned transaction event
These information, are then stored in preset by breath, such as exchange hour, transaction amount, transaction payment mechanism, products transactions etc.
In database, so as to later period use.There is query window, target trade company can pass through in the receipts list software of above-mentioned corresponding acquiring system
The query window inquires any one bill traded, when target trade company is in query window input inquiry information, as traded
Product or exchange hour etc., query information can be sent to acquiring system by this moment receiving single software, and acquiring system receives this and looks into
After asking information, corresponding bill information is got from database according to query information, bill information is then sent to receipts
Single software is received single software and is shown in query window.
Referring to Fig. 2, payment devices in the present embodiment, comprising:
Request unit 100 is received, after receiving payment two dimensional code of the consumer using payment software scanning target trade company
The transaction request of sending, the transaction request include the corresponding payment mechanism information of the payment software and the target trade company
Identification information, the payment software is the software developed by the payment mechanism；
Comparative information unit 200, for the payment mechanism information and preset payment mechanism list to be compared, with
Judge whether to identify the corresponding payment mechanism of the payment software；
Identification mechanism unit 300, if judging the payment for identifying the corresponding payment mechanism of the payment software
Whether mechanism belongs to Unionpay, and the payment mechanism list includes the information of the payment mechanism of multiple cooperations；
The transaction request when belonging to Unionpay for the payment mechanism, is sent to the silver by the first transmission unit 400
The core transaction system of connection, and the first feedback information that the core transaction system for receiving the Unionpay is sent, the feedback information
For by the core transaction system of payment mechanism after receiving the transaction request and being withholdd, the core transaction of Xiang Yinlian
The information of withholing that system issues；
The transaction request is sent to the branch if the payment mechanism is not belonging to Unionpay by the second transmission unit 500
The core transaction system of mechanism is paid, and receives the second feedback information of the core transaction system of the payment mechanism, described second
Feedback information is the information of withholing that the core transaction system of the payment mechanism is withholdd after receiving the transaction request
It identifies trade company's unit 600, for identifying the target trade company according to the identification information, is used for described first
Feedback information or the second feedback information are sent in the receipts list software of the target trade company, to complete the consumer and the mesh
The payment transaction of trade company is marked, the single software of the receipts is the target trade company for confirming successful software of trading.
As described in above-mentioned reception request unit 100, this programme is realized by acquiring system, is corresponding with one in acquiring system
Or the information of multiple trade companies, can these trade companies be carried out with trade management, include the letter of above-mentioned target trade company in multiple merchant informations
Breath.Above-mentioned payment software is the software of payment mechanism exploitation, and payment structure can be bank, Tencent, Alibaba etc., corresponding
, payment software can be bank APP, wechat, Alipay etc..The above-mentioned payment two dimensional code for gathering is issued by acquiring system
Target trade company is given, which includes the information of the corresponding target trade company, when consumer scans the two dimension using payment software
Code, can be obtained the pending payment page, which includes corresponding merchant information, such as name of firm, account, and then consumer exists
The page input transaction amount, send transaction request acquiring system, the transaction request include name of firm, product, transaction amount,
Payment software type, and the identification information of target trade company got by above-mentioned payment two dimensional code, and be currently used in and sweep
Retouch the corresponding payment mechanism information of payment software of two dimensional code.
As described in above-mentioned comparative information unit 200 and identification mechanism unit 300, acquiring system receive transaction request it
Afterwards, the identification information that above-mentioned payment mechanism information and target trade company are obtained from transaction request, due to not all branch
Mechanism is paid all with acquirer cooperation, therefore is not embodied in above-mentioned payment mechanism with the payment mechanism of acquirer cooperation
It include the information of multiple payment mechanisms with acquirer cooperation, such as title information in list, in the payment mechanism list, this
The Shi Ruoyu payment mechanism list compares, then can not identify, consumer can not pay；But if known by comparison
Not Chu above-mentioned payment mechanism, at this moment whether payable mechanism belongs to Unionpay (China UnionPay, Chinese Bank Card joint group
It knits, abbreviation Unionpay).
As described in above-mentioned first transmission unit 400 and the second transmission unit 500, it is known that Unionpay and each bank
Respective core transaction system is all had, for handling transaction and management Transaction Information between each account.If in judgement
It states payment mechanism and belongs to Unionpay, then above-mentioned transaction request can be sent to the core transaction system of Unionpay, the core transaction of Unionpay
After system receives transaction request, the core transaction system of Unionpay goes out pair according to the payment software type identification in transaction request
The target bank answered or payment mechanism (such as wechat or Alipay), that is, identify the transaction request can be by which bank
Or payment mechanism is paid, then transaction request is sent to the target bank or payment machine by the core transaction system of Unionpay
The core transaction system of structure.It is understood that if it is wechat or Alipay etc. that the core transaction system identification of Unionpay, which goes out,
The wechat or Alipay for illustrating the consumer remain with virtual account in Unionpay, so the core transaction system of Unionpay can be right
The transaction request that the two payment software issues is identified.
In the present embodiment, it is bank paying software that consumer, which uses, then corresponding, Unionpay identifies to be target silver
Transaction request, is then sent to the core transaction system of above-mentioned target bank, the core transaction system of the target bank connects by row
After receiving transaction request, which is handled, is such as withholdd to the bank account of consumer, then will be withholdd
Feedback information afterwards is sent to the core transaction system of Unionpay, which includes deducted amount, tradable commodity, trade company's account
Number, consumer's account etc. information, the core transaction system of Unionpay identify that target trade company belongs to again depending on the feedback information
Then the feedback information is sent to acquiring system by acquiring system, above-mentioned feedback information is denoted as the herein for the ease of distinguishing
One feedback information, it is to be understood that before the core transaction system of Unionpay is identified, the corresponding acquirer of acquiring system
First with Unionpay and it is not belonging to the bank of Unionpay and signs into fidonetFido (cooperation agreement), while the trade company with acquirer cooperation
(including above-mentioned target trade company) also by acquiring system networking Unionpay, Unionpay can distribute to acquiring system one after agreement is signed successfully
A acquirer number, at this moment merchant information is bound with acquirer number, when the core transaction system of Unionpay passes through feedback identifying
When target trade company, determines that target trade company belongs to acquiring system according to acquirer number, then feedback information can be sent to receipts single
System, in addition current trade company is difficult to realize individually sign with Unionpay into fidonetFido, because actually trade company is numerous, and receives single
Mechanism can then cooperate with multiple trade companies, then sign with Unionpay into fidonetFido.
As described in above-mentioned identification trade company unit 600, since acquiring system can manage multiple trade companies, so above-mentioned acquiring system
After receiving first feedback information, target trade company is identified according to above-mentioned identification information, as by feedback information
Trade company's account finds the corresponding target trade company of feedback information in preset data bank, then the feedback information is fed back to by first
The receipts list software of target trade company, at this moment consumer can get paid successful message by above-mentioned payment software, to complete this
The payment transaction of secondary purchase product, above-mentioned receipts list software is corresponding above-mentioned acquiring system and the APP developed, trade company can pass through the receipts
Single software certification consumer payment takes money.
When judging that above-mentioned payment mechanism is not belonging to Unionpay, such as Alibaba and Tencent, corresponding payment software be wechat,
Alipay and QQ etc. software, and the corresponding wechat of current consumer or Alipay etc. in Unionpay without virtual account, at this moment
Transaction request can be sent to the core transaction system of counterpart expenditure mechanism by payment software, be dealt into wechat if wechat payment software
Core transaction system, Alipay payment software are then sent to Alipay core transaction system, return after payment mechanism is withholdd
Feedback information is returned, is denoted as the second feedback information for the ease of difference, which is the core transaction system of payment mechanism
The information of withholing that system is withholdd after receiving the transaction request, can identify that target trade company belongs to according to identification information
Acquirer is stated, and feedback information is sent to acquiring system, acquiring system is identified again sends the second feedback information to
The receipts list software of target trade company.
In the prior art, in order to facilitate the two dimensional code or displaying one of consumer payment or the multiple payment mechanisms of displaying
The two dimensional code of the multiple payment mechanisms of Zhang Jihe, but trade company must all dock with multiple payment mechanisms and could complete, due to payment
Mechanism difference also needs to correspond to each payment mechanism and carries out respectively to the cumbersome process such as account book, and this programme trade company only need to be single with receipts
System docking, Unionpay can identify the acquirer that each trade company belongs to by acquirer number when payment, then by receiving monosystem
System completes payment, and trade company is not necessarily in the registration of each payment mechanism and reconciliation, and can be mentioned by a two dimensional code to consumer
For a variety of channel of disbursement.
In one embodiment, above-mentioned payment devices, comprising:
Application unit is received, the letter of application for being used to apply the payment two dimensional code submitted for receiving the target trade company
Breath；
Application unit is audited, for auditing to the application information；
It generates and pays code unit, for when the application information passes through audit, then obtaining trade company from the application information
Information, and the payment two dimensional code for being specific to the target trade company is generated according to the merchant information；
Under send a yard unit, for the payment two dimensional code to be handed down to the target trade company.
In the present embodiment, before the two dimensional code that will pay the bill is handed down to trade company, target trade company needs to propose Shen to acquiring system
Please, in order to avoid the trade company that above-mentioned target trade company is qualification trade company not up to standard or falseness, target trade company can be audited, is had
For body, application information is submitted to acquiring system by target trade company, and this application information includes the basic merchant information of target trade company, money
The information such as matter, settlement accounts, acquiring system audit these information, such as default qualification standard, if the qualification of target trade company
It is up to standard, then show that the target trade company by audit, at this moment can obtain merchant information from above-mentioned application information, such as title, account
Deng, this information is generated to the payment two dimensional code for being specific to target trade company, it is then that the payment two dimensional code is single soft by mail or receipts
Part or other communication tools are sent to target trade company.
In one embodiment, above-mentioned payment devices, comprising:
Unit of putting on record is bound, for when the application information passes through audit, the merchant information to be tied up with acquirer number
It is fixed, and the merchant information is put on record to the core transaction system of the Unionpay, so that the core transaction system of the Unionpay
Identify acquirer number according to the merchant information after receiving the information of withholing, the acquirer number for institute
State the account that the Unionpay issues when Unionpay signs into fidonetFido.
In the present embodiment, due to needing the core transaction system of the payment mechanism by Unionpay or other cooperations by feedback letter
Breath feeds back to acquiring system, i.e., needs to identify that target trade company belongs to acquirer in this process Unionpay, therefore will be upper
It states payment two dimensional code to bind merchant information and acquirer number while be handed down to target trade company, and the merchant information is led to
Cross the core transaction system for the payment mechanism that acquiring system is put on record to Unionpay or other cooperations.Specifically, due to acquirer
It signs with Unionpay into fidonetFido, when signing into fidonetFido, acquirer number has been issued to acquirer by Unionpay, so by quotient
Family information binds with acquirer number and then stores merchant information to Unionpay or other payments cooperated according to fidonetFido is entered
The core transaction system of mechanism, so that the core transaction system of the payment mechanism of Unionpay or other cooperations can be known by merchant information
Not Chu acquirer number, that is, identify that target trade company belongs to acquirer, if at this moment Unionpay or other cooperation payment machines
The core transaction system of structure receives feedback information, includes merchant information in feedback information, then can obtain according to feedback information
Then feedback information is sent to receipts to identify that the target trade company belongs to acquirer by merchant information by merchant information
Single system.
In one embodiment, above-mentioned payment devices, comprising:
Amount of money unit is sent, for sending the total of Successful Transaction in the primary preset time period by every preset time period
The amount of money is sent to the target trade company, after the total amount is settled accounts by each target bank according to corresponding transaction request, point
The summation for the transaction amount not obtained.
In the present embodiment, for consumer after completing payment, the transaction amount of consumer has deducted in corresponding target bank,
But transaction amount can't be sent to trade company at once, but sent once by acquiring system by every preset time period,
As every monthly billing is primary, and the total amount by of that month Successful Transaction is sent to trade company every time, and target bank each first can be
Specified time settles accounts transaction amount of the trade company within a preset period of time (in such as one month), and then each target bank will be right
The transaction amount answered is sent to the payment mechanism of Unionpay or other cooperations, then these transaction amount are sent to acquiring system, receives
The transaction amount merger of all correspondence trade companies is obtained above-mentioned total amount by single system, then sends total amount to the clearing of trade company
Account, such target trade company only need to dock with acquiring system, can receive the expense money that consumer is paid by each channel.
In one embodiment, above-mentioned payment devices, comprising:
Report unit is sent, for target trade company transaction within a preset time to be generated bill report, and by institute
It states bill report and is sent to the target trade company.
In the present embodiment, since each transaction request of trade company passes through acquiring system, acquiring system can be by preset time
Interior total amount is sent to after the settlement accounts of trade company, the transaction in preset time can also be generated corresponding bill report
Table, the bill report include the information of the every transaction of trade company, and trade company is made more intuitively to be able to observe that transaction data.
In one embodiment, above-mentioned payment devices, comprising:
TU task unit is triggered, for triggering marketing task according to the feedback information；
Under give bonus unit, for according to the marketing task by the payment software issue the random amount of money red packet or
Bonus.
It is above-mentioned in order to promote consumer spending in the present embodiment, marketing activity can also be carried out by acquiring system, complete
At marketing task is triggered after transaction, above-mentioned marketing task includes that red packet or the reward of the random amount of money are issued by payment software
Gold, specifically, acquiring system receives completion transaction successful information while triggering marketing when consumer completes payment transaction
Task sends core transaction system of the marketing message to target bank, the core transaction system of target bank according to marketing task
The information of consumer is obtained according to marketing message, and the random amount of money in default amount is then generated into above-mentioned red packet or bonus,
And consumer is handed down to by corresponding payment software.
In one embodiment, above-mentioned payment devices, comprising:
Bill unit is obtained, obtains the bill information of the payment transaction, and store into preset database；
Query unit is received, the inquiry inputted in the query window for receiving single software for receiving the target trade company
Information；
Show information unit, for obtaining the bill information from the database according to the query information, and will
The bill information sends the single software of the receipts, to show in query window.
In the present embodiment, after target trade company and consumer's completion payment transaction, the payment can be handed in acquiring system
The transaction event being readily accomplished is recorded, and bill letter at this moment can be got according to above-mentioned feedback information and above-mentioned transaction event
These information, are then stored in preset by breath, such as exchange hour, transaction amount, transaction payment mechanism, products transactions etc.
In database, so as to later period use.There is query window, target trade company can pass through in the receipts list software of above-mentioned corresponding acquiring system
The query window inquires any one bill traded, when target trade company is in query window input inquiry information, as traded
Product or exchange hour etc., query information can be sent to acquiring system by this moment receiving single software, and acquiring system receives this and looks into
After asking information, corresponding bill information is got from database according to query information, bill information is then sent to receipts
Single software is received single software and is shown in query window.
Referring to Fig. 3, a kind of computer equipment is also provided in the embodiment of the present invention, which can be server,
Its internal structure can be as shown in Figure 3.The computer equipment includes processor, the memory, network connected by system bus
Interface and database.Wherein, the processor of the Computer Design is for providing calculating and control ability.The computer equipment is deposited
Reservoir includes non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program
And database.The internal memory provides environment for the operation of operating system and computer program in non-volatile memory medium.It should
The database of computer equipment is for storing all data required when e-payment.The network interface of the computer equipment is used for
It is communicated with external terminal by network connection.To realize a kind of e-payment side when the computer program is executed by processor
Method.
Above-mentioned processor executes the step of above-mentioned electric paying method: receiving consumer using payment software and scans target quotient
The transaction request issued after the payment two dimensional code at family, the transaction request include the corresponding payment mechanism information of the payment software
And the identification information of the target trade company, the payment software are the software developed by the payment mechanism；By the payment
Organization information is compared with preset payment mechanism list, to judge whether to identify the corresponding payment machine of the payment software
Structure；If identifying the corresponding payment mechanism of the payment software, judge whether the payment mechanism belongs to Unionpay, the payment
Institution list includes the information of the payment mechanism of multiple cooperations；If the payment mechanism belongs to Unionpay, the transaction is asked
The first feedback letter that the core transaction system sought the core transaction system for being sent to the Unionpay, and receive the Unionpay is sent
Breath, first feedback information are to be received the transaction request by the core transaction system of the payment mechanism and detained
After money, the information of withholing of the core transaction system sending of Xiang Yinlian；If the payment mechanism is not belonging to Unionpay, by the friendship
Easily request is sent to the core transaction system of the payment mechanism, and receive the payment mechanism core transaction system second
Feedback information, second feedback information are the core transaction system of the payment mechanism to receive the transaction request laggard
The information of withholing that row is withholdd；The target trade company is identified according to the identification information, and by first feedback information or institute
It states the second feedback information to be sent in the receipts list software of the target trade company, to complete the consumer and the target trade company
Payment transaction, the single software of the receipts are the target trade company for confirming successful software of trading.
Above-mentioned computer equipment, above-mentioned reception consumer send out after the payment two dimensional code using payment software scanning target trade company
Before the step of transaction request out, comprising: receive that the target trade company submits for applying for the Shen of the payment two dimensional code
It please information；The application information is audited；If the application information obtains quotient from the application information by audit
Family information, and the payment two dimensional code for being specific to the target trade company is generated according to the merchant information；By the payment two
Dimension code is handed down to the target trade company.
In one embodiment, above-mentioned information of withholing includes the merchant information, above-mentioned to examine the application information
After the step of core, comprising: if the application information is bound the merchant information and acquirer number by audit, and
The merchant information is put on record to the core transaction system of the Unionpay, so that the core transaction system of the Unionpay is receiving
Identify that acquirer number, the acquirer number are and the Unionpay according to the merchant information after to the information of withholing
The account that the Unionpay issues when signing into fidonetFido.
In one embodiment, above-mentioned that first feedback information or second feedback information are sent to the target
In the receipts list software of trade company, the step of payment transaction to complete the consumer and the target trade company after, comprising: by every
The total amount of Successful Transaction in the primary preset time period is sent to the target trade company, the total amount every preset time period
After being settled accounts by each target bank according to corresponding transaction request, the summation of the transaction amount respectively obtained.
In one embodiment, above-mentioned that first feedback information or second feedback information are sent to the target
In the receipts list software of trade company, the step of payment transaction to complete the consumer and the target trade company after, comprising: by institute
It states the transaction of target trade company within a preset time and generates bill report, and the bill report is sent to the target trade company.
In one embodiment, above-mentioned that first feedback information or second feedback information are sent to the target
In the receipts list software of trade company, the step of payment transaction to complete the consumer and the target trade company after, comprising: foundation
The feedback information triggers marketing task；According to the marketing task by the payment software issue the random amount of money red packet or
Bonus.
In one embodiment, above-mentioned that first feedback information or second feedback information are sent to the target
In the receipts list software of trade company, the step of payment transaction to complete the consumer and the target trade company after, comprising: obtain
The bill information of the payment transaction, and store into preset database；The target trade company is received in the single software of the receipts
Query window in the query information that inputs；The bill information is obtained from the database according to the query information, and
The bill information is sent into the single software of the receipts, to show in query window.
It will be understood by those skilled in the art that structure shown in Fig. 3, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme.
One embodiment of the invention also provides a kind of computer readable storage medium, is stored thereon with computer program, calculates
Machine program realizes a kind of electric paying method when being executed by processor, specifically: consumer, which is received, using payment software scans mesh
The transaction request issued after the payment two dimensional code of trade company is marked, the transaction request includes the corresponding payment mechanism of the payment software
Information and the identification information of the target trade company, the payment software are the software developed by the payment mechanism；It will be described
Payment mechanism information is compared with preset payment mechanism list, to judge whether to identify the corresponding branch of the payment software
Pay mechanism；If identifying the corresponding payment mechanism of the payment software, judge whether the payment mechanism belongs to Unionpay, it is described
Payment mechanism list includes the information of the payment mechanism of multiple cooperations；If the payment mechanism belongs to Unionpay, by the friendship
Easily request is sent to the core transaction system of the Unionpay, and the first feedback that the core transaction system for receiving the Unionpay is sent
Information, first feedback information are to be received the transaction request by the core transaction system of the payment mechanism and carried out
After withholing, the information of withholing of the core transaction system sending of Xiang Yinlian；It, will be described if the payment mechanism is not belonging to Unionpay
Transaction request is sent to the core transaction system of the payment mechanism, and receive the payment mechanism core transaction system
Two feedback informations, second feedback information are the core transaction system of the payment mechanism after receiving the transaction request
The information of withholing withholdd；Identify the target trade company according to the identification information, and by first feedback information or
Second feedback information is sent in the receipts list software of the target trade company, to complete the consumer and the target trade company
Payment transaction, the single software of the receipts is the target trade company for confirming successful software of trading.
Above-mentioned computer readable storage medium, above-mentioned reception consumer scan the payment two of target trade company using payment software
Before the step of transaction request issued after dimension code, comprising: receive the target trade company submission is used to apply the payment two
Tie up the application information of code；The application information is audited；If the application information is by audit, from the application information
Middle acquisition merchant information, and the payment two dimensional code for being specific to the target trade company is generated according to the merchant information；By institute
It states payment two dimensional code and is handed down to the target trade company.
In one embodiment, above-mentioned information of withholing includes the merchant information, above-mentioned to examine the application information
After the step of core, comprising: if the application information is bound the merchant information and acquirer number by audit, and
The merchant information is put on record to the core transaction system of the Unionpay, so that the core transaction system of the Unionpay is receiving
Identify that acquirer number, the acquirer number are and the Unionpay according to the merchant information after to the information of withholing
The account that the Unionpay issues when signing into fidonetFido.
In one embodiment, above-mentioned that first feedback information or second feedback information are sent to the target
In the receipts list software of trade company, the step of payment transaction to complete the consumer and the target trade company after, comprising: by every
The total amount of Successful Transaction in the primary preset time period is sent to the target trade company, the total amount every preset time period
After being settled accounts by each target bank according to corresponding transaction request, the summation of the transaction amount respectively obtained.
In one embodiment, above-mentioned that first feedback information or second feedback information are sent to the target
In the receipts list software of trade company, the step of payment transaction to complete the consumer and the target trade company after, comprising: by institute
It states the transaction of target trade company within a preset time and generates bill report, and the bill report is sent to the target trade company.
In one embodiment, above-mentioned that first feedback information or second feedback information are sent to the target
In the receipts list software of trade company, the step of payment transaction to complete the consumer and the target trade company after, comprising: foundation
The feedback information triggers marketing task；According to the marketing task by the payment software issue the random amount of money red packet or
Bonus.
In one embodiment, above-mentioned that first feedback information or second feedback information are sent to the target
In the receipts list software of trade company, the step of payment transaction to complete the consumer and the target trade company after, comprising: obtain
The bill information of the payment transaction, and store into preset database；The target trade company is received in the single software of the receipts
Query window in the query information that inputs；The bill information is obtained from the database according to the query information, and
The bill information is sent into the single software of the receipts, to show in query window.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can store and a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
Any reference used in provided herein and embodiment to memory, storage, database or other media,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, mono- diversified forms of RAM can obtain,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double speed are according to rate SDRAM (SSRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, device, article or the method that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, device, article or method institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, device of element, article or method.
The above description is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all utilizations
Equivalent structure or equivalent flow shift made by description of the invention and accompanying drawing content is applied directly or indirectly in other correlations
Technical field, be included within the scope of the present invention.
Claims (10)
1. a kind of electric paying method characterized by comprising
The transaction request issued after payment two dimensional code of the consumer using payment software scanning target trade company is received, the transaction is asked
The identification information including the corresponding payment mechanism information of the payment software and the target trade company is sought, the payment software is
The software developed by the payment mechanism；
The payment mechanism information and preset payment mechanism list are compared, to judge whether to identify that the payment is soft
The corresponding payment mechanism of part；
If identifying the corresponding payment mechanism of the payment software, judge whether the payment mechanism belongs to Unionpay, the branch
Pay the information that Institution list includes the payment mechanism of multiple cooperations；
If the payment mechanism belongs to Unionpay, the transaction request is sent to the core transaction system of the Unionpay, and is connect
The first feedback information that the core transaction system of the Unionpay is sent is received, first feedback information is by the payment mechanism
After receiving the transaction request and being withholdd, what the core transaction system of Xiang Yinlian issued withholds core transaction system
Information；
If the payment mechanism is not belonging to Unionpay, the transaction request is sent to the core transaction system of the payment mechanism
System, and the second feedback information of the core transaction system of the payment mechanism is received, second feedback information is the payment
The information of withholing that the core transaction system of mechanism is withholdd after receiving the transaction request；
The target trade company is identified according to the identification information, and by first feedback information or second feedback information
It is sent in the receipts list software of the target trade company, it is described to complete the payment transaction of the consumer Yu the target trade company
Receiving single software is the target trade company for confirming successful software of trading.
2. electric paying method according to claim 1, which is characterized in that the reception consumer is swept using payment software
Before the step of retouching the transaction request issued after the payment two dimensional code of target trade company, comprising:
Receive the application information for being used to apply the payment two dimensional code that the target trade company submits；
The application information is audited；
If the application information obtains merchant information, and according to the merchant information by audit from the application information
Generate the payment two dimensional code for being specific to the target trade company；
The payment two dimensional code is handed down to the target trade company.
3. electric paying method according to claim 2, which is characterized in that the information of withholing includes trade company's letter
Breath, after described the step of being audited to the application information, comprising:
If the application information is bound the merchant information and acquirer number by audit, and by the merchant information
Put on record to the core transaction system of the Unionpay, so that the core transaction system of the Unionpay is receiving the information of withholing
Identify that acquirer number, the acquirer number are when signing with the Unionpay into fidonetFido according to the merchant information later
The account that the Unionpay issues.
4. electric paying method according to claim 1, which is characterized in that described by first feedback information or described
Second feedback information is sent in the receipts list software of the target trade company, to complete pair of the consumer and the target trade company
After the step of money is traded, comprising:
The total amount of Successful Transaction in the primary preset time period is sent to the target trade company, institute by every preset time period
State total amount by each target bank according to corresponding transaction request clearing after, the summation of the transaction amount respectively obtained.
5. electric paying method according to claim 1, which is characterized in that described by first feedback information or described
Second feedback information is sent in the receipts list software of the target trade company, to complete pair of the consumer and the target trade company
After the step of money is traded, comprising:
The transaction of the target trade company within a preset time is generated into bill report, and the bill report is sent to the mesh
Mark trade company.
6. electric paying method according to claim 1, which is characterized in that described by first feedback information or described
Second feedback information is sent in the receipts list software of the target trade company, to complete pair of the consumer and the target trade company
After the step of money is traded, comprising:
Marketing task is triggered according to the feedback information；
The red packet or bonus of the random amount of money are issued by the payment software according to the marketing task.
7. electric paying method according to claim 1, which is characterized in that described by first feedback information or described
Second feedback information is sent in the receipts list software of the target trade company, to complete pair of the consumer and the target trade company
After the step of money is traded, comprising:
The bill information of the payment transaction is obtained, and is stored into preset database；
Receive the query information that the target trade company inputs in the query window for receiving single software；
The bill information is obtained from the database according to the query information, and the bill information is sent into the receipts
Single software, to show in query window.
8. a kind of payment devices characterized by comprising
Request unit is received, for receiving the friendship issued after payment two dimensional code of the consumer using payment software scanning target trade company
Easily request, the transaction request include the identification letter of the corresponding payment mechanism information of the payment software and the target trade company
Breath, the payment software is the software developed by the payment mechanism；
Comparative information unit, for comparing the payment mechanism information and preset payment mechanism list, to judge to be
It is no to identify the corresponding payment mechanism of the payment software；
Identification mechanism unit, if judging that the payment mechanism is for identifying the corresponding payment mechanism of the payment software
No to belong to Unionpay, the payment mechanism list includes the information of the payment mechanism of multiple cooperations；
The transaction request when belonging to Unionpay for the payment mechanism, is sent to the core of the Unionpay by the first transmission unit
Heart transaction system, and the first feedback information that the core transaction system for receiving the Unionpay is sent, the feedback information are by propping up
The core transaction system of mechanism is paid after receiving the transaction request and being withholdd, the core transaction system of Xiang Yinlian is sent out
Information of withholing out；
The transaction request is sent to the payment mechanism if the payment mechanism is not belonging to Unionpay by the second transmission unit
Core transaction system, and receive the second feedback information of the core transaction system of the payment mechanism, second feedback letter
Breath is the information of withholing that the core transaction system of the payment mechanism is withholdd after receiving the transaction request；
It identifies trade company's unit, for identifying the target trade company according to the identification information, is used for first feedback letter
Breath or the second feedback information are sent in the receipts list software of the target trade company, to complete the consumer and the target trade company
Payment transaction, the single software of the receipts is the target trade company for confirming successful software of trading.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910300229.XA CN110135838A (en) | 2019-04-15 | 2019-04-15 | Electric paying method, device, computer equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910300229.XA CN110135838A (en) | 2019-04-15 | 2019-04-15 | Electric paying method, device, computer equipment and storage medium |
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| CN110866748A (en) * | 2019-10-25 | 2020-03-06 | 网联清算有限公司 | Payment processing system and method |
| CN111126998A (en) * | 2019-12-24 | 2020-05-08 | 支付宝实验室(新加坡)有限公司 | Bar code payment-based implementation method and device and bar code payment-based system |
| CN111667259A (en) * | 2020-04-22 | 2020-09-15 | 网联清算有限公司 | Payment method, device and system |
| CN111801696A (en) * | 2019-10-28 | 2020-10-20 | 深圳海付移通科技有限公司 | Payment page management method, payment page management device, payment system and storage medium |
| CN112633874A (en) * | 2020-12-23 | 2021-04-09 | 平安银行股份有限公司 | Code scanning transaction processing method, electronic device and computer readable storage medium |
| CN113313495A (en) * | 2021-06-10 | 2021-08-27 | 银盛支付服务股份有限公司 | Method for realizing fixed-amount aggregation two-dimensional code cashing mechanism |
| CN113435870A (en) * | 2021-05-26 | 2021-09-24 | 深圳市灵智数字科技有限公司 | Data processing method and electronic equipment |
| CN113610524A (en) * | 2021-08-24 | 2021-11-05 | 中国银行股份有限公司 | Method and device for accessing payment merchant to channel |
| CN114912914A (en) * | 2021-02-08 | 2022-08-16 | 网银在线（北京）科技有限公司 | Resource processing method and device, computer equipment and storage medium |
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| CN113610524A (en) * | 2021-08-24 | 2021-11-05 | 中国银行股份有限公司 | Method and device for accessing payment merchant to channel |
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