CN110310111A - A kind of third party's Internet payment system Internet-based and method - Google Patents
A kind of third party's Internet payment system Internet-based and method Download PDFInfo
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- CN110310111A CN110310111A CN201910559413.6A CN201910559413A CN110310111A CN 110310111 A CN110310111 A CN 110310111A CN 201910559413 A CN201910559413 A CN 201910559413A CN 110310111 A CN110310111 A CN 110310111A
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- 238000000034 method Methods 0.000 title claims abstract description 40
- 238000012360 testing method Methods 0.000 claims abstract description 33
- 238000012795 verification Methods 0.000 claims description 17
- 230000001960 triggered effect Effects 0.000 claims description 10
- 238000012545 processing Methods 0.000 claims description 5
- 238000010200 validation analysis Methods 0.000 claims description 5
- 238000013475 authorization Methods 0.000 claims description 3
- 230000008901 benefit Effects 0.000 claims description 3
- 230000006855 networking Effects 0.000 claims description 3
- 239000000243 solution Substances 0.000 description 3
- 238000010586 diagram Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 230000001815 facial effect Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
- 239000007853 buffer solution Substances 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
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Classifications
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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
- G06Q20/32—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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention belongs to payment technology fields, disclose a kind of third party's Internet payment system Internet-based and method, third party's Internet payment system Internet-based includes: that payment accounts registration module, deposit module, central control module, binding module, order calculate module, payment module, module of withdrawing deposit, encrypting module, test module, display module.The present invention adds authentication function before two dimensional code is paid the bill in output by encrypting module, so that payment is safer, effectively avoids after being cloned payment two dimensional code, attacks visitor and arbitrarily paid using the payment two dimensional code after duplication；The case where user faces very big obstruction when testing environment and carrying out the payment of the big amount of money can be effectively solved by test module.
Description
Technical field
The invention belongs to payment technology field more particularly to a kind of third party's Internet payment system Internet-based and
Method.
Background technique
Payment system (Payment System) is to pay the intermediary and realize payment instruction that clearance services by providing
The professional technique means of transmission and fund clearing collectively constitute, to realize a kind of finance of credit and debt liquidation and fund transfer
It arranges, otherwise referred to as system for settling account (Clear System).It, can will be social according to the function of the Central Bank and business bank
The payment system system that is divided into two levels.Underlying system is business bank in face of vast bank client, is provided for society
The financial services system of payment services.It is the window of bank and trade connection, is the origin of financial service and management information, is
Treasury trade and settlement system between business bank and client.Upper-level system is then that the Central Bank for business bank provides payment
Clearance service, and Central Bank's macroscopic view monetary policy, maintenance financial stability, flourish the market are implemented by service, to national economy
Implement macro adjustments and controls system, it be complete specialized bank between pay and the Central Bank and specialized bank between pay it is movable
Final fund clearing and settlement system, and waehrungspolitisch machine is effectively conducted to contacting each finance and money market, realizing
The unimpeded of system plays an important role.However, existing payment safety is low, scans the two-dimensional code payment and be easy to be cloned；Meanwhile it paying and surveying
When examination, need those skilled in the art in the case that various scenes, environment and repeatedly tested, can just obtain meeting the modern times
The online payment system of user demand, test are difficult.
In conclusion problem of the existing technology is: existing payment safety is low, scans the two-dimensional code payment and is easy quilt gram
It is grand；Meanwhile pay test when, need those skilled in the art in the case that various scenes, environment and repeatedly tested,
The online payment system for meeting modern day user demand can be obtained, test is difficult.
Summary of the invention
In view of the problems of the existing technology, the present invention provides a kind of third party's internet payment Internet-based systems
System and method.
The invention is realized in this way a kind of third party's Internet payment system Internet-based, described based on interconnection
Third party's Internet payment system of net includes:
Payment accounts registration module, connect with central control module, for registering internet payment account by accreditation process
Number；
It is stored in module, is connect with central control module, for being stored in fund operation by saving program；
Central control module calculates module, payment mould with payment accounts registration module, deposit module, binding module, order
Block, module of withdrawing deposit, encrypting module, test module, display module connection are normal for controlling modules by central processing unit
Work；
Binding module is connect with central control module, for passing through binding procedure user bound bank card, identity card；
Order calculates module, connect with central control module, for carrying out total value core to user's order by calculating program
Calculate operation；
Payment module is connect with central control module, for carrying out payment funding behaviour to sum is calculated by payment program
Make；
It withdraws deposit module, is connect with central control module, for being provided by withdrawing deposit program to being stored in Internet payment system
Gold carries out operation of withdrawing deposit；
Encrypting module is connect with central control module, for carrying out cryptographic operation to payment data by encipheror；
Test module is connect with central control module, for carrying out test operation to payment system by test program；
Display module is connect with central control module, for showing that third party Internet-based interconnects by display
Net payment system interface and user account, deposit fund, binding information, the data information for checking information, paying, withdrawing deposit.
Controlling in vehicle mechanical impact buffer system is a kind of based on third party's internet payment Internet-based system
Third party's internet payment method Internet-based of system, third party's internet payment method Internet-based include
Following steps:
Step 1 registers internet payment account using accreditation process by payment accounts registration module；By being stored in mould
Block is operated using program deposit fund is saved；
Step 2, central control module utilize binding procedure user bound bank card, identity card by binding module；Pass through
Order calculates module and carries out total value accounting operation to user's order using accounting program；
Step 3 carries out payment funding operation to sum is calculated using payment program by payment module；
Step 4 carries out the behaviour that withdraws deposit to deposit fund in Internet payment system using program is withdrawn deposit by withdrawing deposit module
Make；
Step 5 carries out cryptographic operation to payment data using encipheror by encrypting module；Pass through test module benefit
Test operation is carried out to payment system with test program；
Step 6 shows third party's Internet payment system Internet-based interface using display by display module
And user account, deposit fund, binding information, the data informations such as checking information, pay, withdraw deposit.
Further, the encryption method of third party's internet payment method Internet-based is as follows:
When receiving the authorized order that authorization is withholdd, output verifying interface；
After the verifying interface receives the solution confidential information manually triggered, testing for the decryption information and date library is judged
Whether consistent demonstrate,prove information；
If so, output payment two dimensional code；
After the payment two dimensional code is scanned successfully, executes account and withhold movement.
Further, the verifying interface is fingerprint authentication interface；The decryption manually triggered is received at the verifying interface
After information, judge that the whether consistent step of the verification information in the decryption information and date library includes:
After the fingerprint authentication interface receives the first finger print information being manually entered, first finger print information is judged
It is whether consistent with the first verification information of database.
Further, the verifying interface is password authentification interface；Described receive at the verifying interface is manually triggered
After solving confidential information, judge that the whether consistent step of the verification information in the decryption information and date library includes:
After the password authentification interface receives the encrypted message being manually entered, the encrypted message and database are judged
The second verification information it is whether consistent.
Further, third party's internet payment method testing method Internet-based is as follows:
A. it obtains the information that user fills according to payment scene and generates pay invoice information after validation, the payment is ordered
Single information includes pay invoice number；
B. the multiple default order informations stored in testing service device are obtained, the default order information includes default order
Number；
C. the default order number to match with the pay invoice number is searched in the multiple default order information to obtain
The corresponding default order information of order number is preset to this, and this is preset into order information as target order information；
D. include in the first information for including in the pay invoice information and the target order information first is preset
Information is matched, and generates the first log information, and return step a when mismatching；
E. upon a match, according in the pay invoice information include pay status information and the default order information in
Including preset state information get paid as a result, and according to the payment result generate the second log information.
Another object of the present invention is to provide a kind of application third party's internet payment methods Internet-based
Information data processing terminal.
Advantages of the present invention and good effect are as follows: the present invention is receiving the authorized order for authorizing and withholing by encrypting module
When, first output verifying interface can just export payment two when the verification information in the decryption information and date library for obtaining user is consistent
Code is tieed up, is scanned for businessman, compared with prior art, before two dimensional code is paid the bill in output, addition verifying interface function, to realize
Encryption function is paid, user is avoided directly to show payment two dimensional code.The present invention is verified by adding before two dimensional code is paid the bill in output
Function effectively avoids after being cloned payment two dimensional code so that payment is safer, attacks objective arbitrarily using the payment two dimensional code after duplication
It is paid；By test module can effectively solve user test environment carry out the big amount of money payment when face it is very big
The case where obstruction.
Detailed description of the invention
Fig. 1 is third party's internet payment method flow diagram Internet-based provided in an embodiment of the present invention.
Fig. 2 is third party's Internet payment system structural block diagram Internet-based provided in an embodiment of the present invention.
In Fig. 2: 1, payment accounts registration module；2, it is stored in module；3, central control module；4, binding module；5, order
Calculate module；6, payment module；7, it withdraws deposit module；8, encrypting module；9, test module；10, display module.
Specific embodiment
In order to further understand the content, features and effects of the present invention, the following examples are hereby given, and cooperate attached drawing
Detailed description are as follows.
Structure of the invention is explained in detail with reference to the accompanying drawing.
As shown in Figure 1, third party's internet payment method Internet-based provided by the invention the following steps are included:
Step S101 registers internet payment account using accreditation process by payment accounts registration module；Pass through deposit
Module is operated using program deposit fund is saved；
Step S102, central control module utilize binding procedure user bound bank card, identity card by binding module；It is logical
It crosses order and calculates module using accounting program to the progress total value accounting operation of user's order；
Step S103 carries out payment funding operation to sum is calculated using payment program by payment module；
Step S104 carries out the behaviour that withdraws deposit to deposit fund in Internet payment system using program is withdrawn deposit by withdrawing deposit module
Make；
Step S105 carries out cryptographic operation to payment data using encipheror by encrypting module；Pass through test module
Test operation is carried out to payment system using test program；
Step S106 shows third party's Internet payment system circle Internet-based using display by display module
Face and user account, binding information, the data informations such as checking information, pay, withdraw deposit at deposit fund.
As shown in Fig. 2, third party's Internet payment system Internet-based provided in an embodiment of the present invention includes: payment
Account registration module 1, deposit module 2, central control module 3, binding module 4, order calculate module 5, payment module 6, withdraw deposit
Module 7, encrypting module 8, test module 9, display module 10.
Payment accounts registration module 1 is connect with central control module 3, for registering internet payment by accreditation process
Account；
It is stored in module 2, is connect with central control module 3, for being stored in fund operation by saving program；
Central control module 3, with payment accounts registration module 1, deposit module 2, binding module 4, order calculate module 5,
Payment module 6, module of withdrawing deposit 7, encrypting module 8, test module 9, display module 10 connect, for being controlled by central processing unit
Modules work normally；
Binding module 4 is connect with central control module 3, for passing through binding procedure user bound bank card, identity card；
Order calculates module 5, connect with central control module 3, for carrying out total value to user's order by calculating program
Calculate operation；
Payment module 6 is connect with central control module 3, for carrying out payment funding to sum is calculated by payment program
Operation；
Module of withdrawing deposit 7 is connect with central control module 3, for by program of withdrawing deposit to being stored in Internet payment system
Fund carries out operation of withdrawing deposit；
Encrypting module 8 is connect with central control module 3, for carrying out cryptographic operation to payment data by encipheror；
Test module 9 is connect with central control module 3, for carrying out test operation to payment system by test program；
Display module 10 is connect with central control module 3, for showing that third party Internet-based is mutual by display
Networking payment system interface and user account, binding information, the data informations such as checking information, pay, withdraw deposit at deposit fund.
8 encryption method of encrypting module provided by the invention is as follows:
When receiving the authorized order that authorization is withholdd, output verifying interface；
After the verifying interface receives the solution confidential information manually triggered, testing for the decryption information and date library is judged
Whether consistent demonstrate,prove information；
If so, output payment two dimensional code；
After the payment two dimensional code is scanned successfully, executes account and withhold movement.
Verifying interface provided by the invention is fingerprint authentication interface；Described receive at the verifying interface is manually triggered
After solving confidential information, judge that the whether consistent step of the verification information in the decryption information and date library includes:
After the fingerprint authentication interface receives the first finger print information being manually entered, first finger print information is judged
It is whether consistent with the first verification information of database.
Verifying interface provided by the invention is password authentification interface；Described receive at the verifying interface is manually triggered
After solving confidential information, judge that the whether consistent step of the verification information in the decryption information and date library includes:
After the password authentification interface receives the encrypted message being manually entered, the encrypted message and database are judged
The second verification information it is whether consistent.
Verifying interface provided by the invention is face verification interface；Described receive at the verifying interface is manually triggered
After solving confidential information, judge that the whether consistent step of the verification information in the decryption information and date library includes:
After the face verification interface receives facial image, the facial image is identified to obtain face letter
Breath；
Judge whether the third verification information of the face information and database is consistent.
It is provided by the invention after the payment two dimensional code is scanned successfully, executing account the step of acting of withholing includes:
After the payment two dimensional code is scanned successfully, output user confirms interface, wherein the user confirms interface packet
Include Business Information, deducted amount and ACK button；
After determining that the user confirms interface for user's operation acknowledgement, execution account is withholdd movement.
9 test method of test module provided by the invention is as follows:
A. it obtains the information that user fills according to payment scene and generates pay invoice information after validation, the payment is ordered
Single information includes pay invoice number；
B. the multiple default order informations stored in testing service device are obtained, the default order information includes default order
Number；
C. the default order number to match with the pay invoice number is searched in the multiple default order information to obtain
The corresponding default order information of order number is preset to this, and this is preset into order information as target order information；
D. include in the first information for including in the pay invoice information and the target order information first is preset
Information is matched, and generates the first log information, and return step a when mismatching；
E. upon a match, according in the pay invoice information include pay status information and the default order information in
Including preset state information get paid as a result, and according to the payment result generate the second log information.
The first information provided by the invention includes payment amount information and payment user information, the first presupposed information packet
Include preset cost information and pre-set user information.
It is provided by the invention to obtain user according to the information filled in of payment scene and generation pay invoice information after validation
Later, the method also includes:
The pay invoice information is encrypted, encrypted pay invoice information is obtained.
It is provided by the invention to obtain user according to the information filled in of payment scene and generation pay invoice information after validation
Before, the method also includes:
Multiple payment scenes are generated according to default application configuration；
Obtain the payment scene that user chooses in multiple payment scenes.
The above is only the preferred embodiments of the present invention, and is not intended to limit the present invention in any form,
Any simple modification made to the above embodiment according to the technical essence of the invention, equivalent variations and modification, belong to
In the range of technical solution of the present invention.
Claims (7)
1. a kind of third party's Internet payment system Internet-based, which is characterized in that the third party Internet-based
Internet payment system includes:
Payment accounts registration module, connect with central control module, for registering internet payment account by accreditation process；
It is stored in module, is connect with central control module, for being stored in fund operation by saving program；
Central control module, with payment accounts registration module, deposit module, binding module, order calculate module, payment module,
Withdraw deposit module, encrypting module, test module, display module connection, for by central processing unit control the normal work of modules
Make；
Binding module is connect with central control module, for passing through binding procedure user bound bank card, identity card；
Order calculates module, connect with central control module, for calculating behaviour to user's order progress total value by calculating program
Make；
Payment module is connect with central control module, for carrying out payment funding operation to sum is calculated by payment program；
Withdraw deposit module, connect with central control module, for by withdraw deposit program to be stored in Internet payment system fund into
Capable operation of withdrawing deposit；
Encrypting module is connect with central control module, for carrying out cryptographic operation to payment data by encipheror；
Test module is connect with central control module, for carrying out test operation to payment system by test program；
Display module is connect with central control module, for showing third party internet Internet-based branch by display
Pay system interface and user account, deposit fund, binding information, the data information for checking information, paying, withdrawing deposit.
2. a kind of third Internet-based based on third party Internet-based Internet payment system described in claim 1
Square internet payment method, which is characterized in that third party's internet payment method Internet-based the following steps are included:
Step 1 registers internet payment account using accreditation process by payment accounts registration module；Pass through deposit module benefit
It is operated with program deposit fund is saved；
Step 2, central control module utilize binding procedure user bound bank card, identity card by binding module；Pass through order
It calculates module and total value accounting operation is carried out to user's order using accounting program；
Step 3 carries out payment funding operation to sum is calculated using payment program by payment module；
Step 4 carries out operation of withdrawing deposit to deposit fund in Internet payment system using program is withdrawn deposit by withdrawing deposit module；
Step 5 carries out cryptographic operation to payment data using encipheror by encrypting module；Survey is utilized by test module
It tries program and test operation is carried out to payment system；
Step 6 shows third party's Internet payment system Internet-based interface and use using display by display module
Family account, binding information, the data informations such as checking information, pays, withdraws deposit at deposit fund.
3. third party's internet payment method Internet-based as claimed in claim 2, which is characterized in that described based on mutual
The encryption method of third party's internet payment method of networking is as follows:
When receiving the authorized order that authorization is withholdd, output verifying interface；
After the verifying interface receives the solution confidential information manually triggered, the verifying letter in the decryption information and date library is judged
It whether consistent ceases；
If so, output payment two dimensional code；
After the payment two dimensional code is scanned successfully, executes account and withhold movement.
4. third party's internet payment method Internet-based as claimed in claim 3, which is characterized in that verifying circle
Face is fingerprint authentication interface；After the verifying interface receives the solution confidential information manually triggered, judge the solution confidential information with
The whether consistent step of the verification information of database includes:
After the fingerprint authentication interface receives the first finger print information being manually entered, first finger print information and number are judged
It is whether consistent according to first verification information in library.
5. third party's internet payment method Internet-based as claimed in claim 3, which is characterized in that verifying circle
Face is password authentification interface；It is described after the verifying interface receives the solution confidential information manually triggered, judge the solution secret letter
Ceasing the step whether consistent with the verification information of database includes:
After the password authentification interface receives the encrypted message being manually entered, the of the encrypted message and database is judged
Whether two verification informations are consistent.
6. third party's internet payment method Internet-based as claimed in claim 2, which is characterized in that described based on mutual
Third party's internet payment method testing method of networking is as follows:
A. it obtains the information that user fills according to payment scene and generates pay invoice information after validation, the pay invoice letter
Breath includes pay invoice number；
B. the multiple default order informations stored in testing service device are obtained, the default order information includes default order number；
C. the default order number to match with the pay invoice number is searched in the multiple default order information to be somebody's turn to do
The default corresponding default order information of order number, and this is preset into order information as target order information；
D. the first presupposed information that will include in the first information for including in the pay invoice information and the target order information
It is matched, generates the first log information, and return step a when mismatching；
E. upon a match, include according to including in pay status information and the default order information in the pay invoice information
Preset state information get paid as a result, and according to the payment result generate the second log information.
7. a kind of information using third party Internet-based internet payment method described in claim 2~6 any one
Data processing terminal.
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| CN201910559413.6A CN110310111A (en) | 2019-06-26 | 2019-06-26 | A kind of third party's Internet payment system Internet-based and method |
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| CN201910559413.6A CN110310111A (en) | 2019-06-26 | 2019-06-26 | A kind of third party's Internet payment system Internet-based and method |
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Family
ID=68077559
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|---|---|---|---|---|
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| CN109255620A (en) * | 2018-09-28 | 2019-01-22 | 努比亚技术有限公司 | Encrypting payment method, mobile terminal and computer readable storage medium |
-
2019
- 2019-06-26 CN CN201910559413.6A patent/CN110310111A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102968717A (en) * | 2012-11-07 | 2013-03-13 | 华为技术有限公司 | Electronic payment method, relevant device and system |
| WO2015158286A1 (en) * | 2014-04-16 | 2015-10-22 | 深圳市亚略特生物识别科技有限公司 | Mobile terminal payment method based on fingerprint recognition |
| CN105046481A (en) * | 2015-04-29 | 2015-11-11 | 丁超 | Independent payment system and independent payment method for internet transactions |
| CN108305055A (en) * | 2017-10-20 | 2018-07-20 | 掌合天下（北京）信息技术有限公司 | Pay test method and device |
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| CN109255620A (en) * | 2018-09-28 | 2019-01-22 | 努比亚技术有限公司 | Encrypting payment method, mobile terminal and computer readable storage medium |
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Application publication date: 20191008 |