CN110533405A - Information processing method, device, system and the storage medium of cross-border mobile payment - Google Patents

Information processing method, device, system and the storage medium of cross-border mobile payment Download PDF

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Publication number
CN110533405A
CN110533405A CN201910834895.1A CN201910834895A CN110533405A CN 110533405 A CN110533405 A CN 110533405A CN 201910834895 A CN201910834895 A CN 201910834895A CN 110533405 A CN110533405 A CN 110533405A
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China
Prior art keywords
server
solicited message
target electronic
money
information
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Granted
Application number
CN201910834895.1A
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Chinese (zh)
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CN110533405B (en
Inventor
文武
刘宏
胡昌盛
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Nanjing Hi Mara Cloud Information Technology Co Ltd
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Nanjing Hi Mara Cloud Information Technology Co Ltd
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Priority to CN201910834895.1A priority Critical patent/CN110533405B/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

The invention discloses information processing method, device, system and the storage mediums of a kind of cross-border mobile payment.Wherein, the first solicited message supplemented with money to the target electronic wallet of user is sent as the first server for initiating node this method comprises: obtaining, the first contract is sent based on first solicited message and generates solicited message to as the second server for supplementing node with money；It determines and receives the confirmation response that the second server generates, generate and store the first accounting information；Obtain the charging information supplemented with money to the target electronic wallet that the second server is sent；First accounting information is updated based on the charging information.The embodiment of the present invention can be convenient, quickly supplement with money to the corresponding target electronic wallet of user's immigration state, get through the connection in different regions with sovereign right between legal tender and strange land mobile-payment system.

Description

Information processing method, device, system and the storage medium of cross-border mobile payment
Technical field
The present invention relates to mobile payment field more particularly to a kind of information processing method of cross-border mobile payment, device, it is System and storage medium.
Background technique
With the rapid development of mobile Internet, mobile payment is gradually used widely in various countries, especially in small amount In payment environment, mobile payment (such as mobile phone scanning payment) radical change payment habit of consumer.Due between various countries Mobile-payment system be limited by the financial supervision policy of the country one belongs to, the foreign tourist of immigration can not directly enjoy local movement Payment services, this convenience for consuming strong influence foreign tourist.
In the past, foreign tourist needed through credit card or cash (for example, by currency conversion of the offers such as airport, bank) Payment consumption, but have following defects that
1, convenience is inadequate, and convertibility point is limited, convertible limited amount, and the bank note after changing/cash, which carries, has safety Hidden danger etc.；
2, the loss in fund, such as exchange conversion price difference are high, service charge height etc.；
3, credit card network charges to businessman excessively high, and because historical reasons can not reduce.
Therefore, with the development of mobile payment, the either exchange of credit card or cash or single encryption currency System is unable to satisfy the demand of the needs of cross-border consumption and payment, especially entry personnel in terms of the payment of small amount high frequency.
Therefore, with the development of mobile payment, the either exchange of credit card or cash or single encryption currency System is unable to satisfy the demand of the needs of cross-border consumption and payment, especially entry personnel in terms of the payment of small amount high frequency.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of information processing method of cross-border mobile payment, device, system and Storage medium, it is intended to which the management for realizing the target electronic wallet of the cross-border mobile payment of user is easy to implement transnational mobile payment.
The technical solution of the embodiment of the present invention is achieved in that
In a first aspect, being applied to business the embodiment of the invention provides a kind of information processing method of cross-border mobile payment Processing platform, comprising:
The first solicited message sent as the first server for initiating node is obtained, first solicited message is for sending out Play the request supplemented with money to the target electronic wallet of user；
The first contract, which is sent, based on first solicited message generates solicited message to as the second service for supplementing node with money Device；
It determines and receives the confirmation response that the second server generates, generate and store the first accounting information, wherein institute Second server is stated when the first contract solicited message meets preset condition, generates the confirmation response；
Obtain the charging information supplemented with money to the target electronic wallet that the second server is sent；
First accounting information is updated based on the charging information；
Wherein, the target electronic wallet is that the telecommunications authentication result based on user creates.
Second aspect is applied to the embodiment of the invention also provides a kind of information processing method of cross-border mobile payment One server, comprising:
Obtain the charging request for being supplemented with money to the target electronic wallet of user；
Telecommunications authentication result based on the corresponding user of the charging request tests the target electronic wallet Card；
After being verified, the first solicited message is sent to service process platform, first solicited message is for described in warp Service process platform request second server supplements the target electronic wallet with money；
Wherein, the target electronic wallet is that the telecommunications authentication result based on user creates.
The third aspect is applied to the embodiment of the invention also provides a kind of information processing method of cross-border mobile payment Two servers, comprising:
It obtains the first contract that service process platform is sent and generates solicited message, first contract generates solicited message and uses Setting contract is established with as the first server for initiating node in the service process platform in the second server；
If the first contract generation solicited message meets preset condition, it is flat that feedback acknowledgment responds to the business processing Platform, the confirmation response generate for the service process platform and store the first accounting information；
Target electronic account is supplemented with money based on the first contract solicited message, and feeds back charging information to the industry Business processing platform.
Fourth aspect, the embodiment of the invention also provides a kind of information processing units of cross-border mobile payment, comprising:
First obtains module, described for obtaining the first solicited message sent as the first server for initiating node First solicited message is used for the request for initiating to be supplemented with money to the target electronic wallet of user；
Processing module, for based on first solicited message send the first contract generate solicited message to as supplement with money section The second server of point；It determines and receives the confirmation response that the second server generates, generate and store the first accounting information, Wherein, the second server generates the confirmation response when the first contract solicited message meets preset condition；
Second obtains module, for being supplemented with money to the target electronic wallet of obtaining that the second server sends Charging information；
The processing module is also used to update first accounting information based on the charging information；
Wherein, the target electronic wallet is that the telecommunications authentication result based on user creates.
5th aspect, the embodiment of the invention also provides a kind of information processing systems of cross-border mobile payment, comprising: processing Device and memory for storing the computer program that can be run on a processor, wherein
The processor, when for running computer program, execute any embodiment the method for the present invention the step of.
6th aspect, the embodiment of the invention also provides a kind of first servers, comprising: processor and for store can The memory of the computer program run on a processor, wherein
The processor, when for running computer program, execute any embodiment the method for the present invention the step of.
7th aspect, the embodiment of the invention also provides a kind of second servers, comprising: processor and for store can The memory of the computer program run on a processor, wherein
The processor, when for running computer program, execute any embodiment the method for the present invention the step of.
Eighth aspect is stored with computer on the storage medium the embodiment of the invention also provides a kind of storage medium Program, when the computer program is executed by processor, realize any embodiment the method for the present invention the step of.
Technical solution provided in an embodiment of the present invention, the corresponding target electronic wallet of user are the telecommunications identity based on user Verification result creation, it can satisfy first server and/or second server and the corresponding target electronic wallet of user carried out It verifies.Due to that can send first solicited message by first server, and based on first solicited message corresponding the One contract generates solicited message and reaches contract between first server and second server, is generated based on the contract and stores first Accounting information, and first accounting information is updated according to the charging information of second server, it can be convenient, quickly to user The corresponding target electronic wallet of immigration state is supplemented with money, got through in different regions with sovereign right legal tender and strange land mobile-payment system it Between connection.
Detailed description of the invention
Fig. 1 is the structural schematic diagram of the information processing system of the cross-border mobile payment of the embodiment of the present invention；
Fig. 2 is the process signal of the information processing method of the cross-border mobile payment in service process platform of embodiment of the present invention side Figure；
Fig. 3 is the flow diagram of the information processing method of the cross-border mobile payment in first server of embodiment of the present invention side；
Fig. 4 is the process signal of the information processing method of the cross-border mobile payment in second server of embodiment of the present invention side；
Fig. 5 is the schematic diagram of a scenario of Application Example border tourism person's zero curve of the present invention roaming；
Fig. 6 is the structural schematic diagram of the information processing unit of the cross-border mobile payment of the embodiment of the present invention；
Fig. 7 is the structural schematic diagram of the information processing system of the cross-border mobile payment of the embodiment of the present invention.
Specific embodiment
The present invention is described in further detail again with reference to the accompanying drawings and embodiments.
Unless otherwise defined, all technical and scientific terms used herein and belong to technical field of the invention The normally understood meaning of technical staff is identical.Term as used herein in the specification of the present invention is intended merely to description tool The purpose of the embodiment of body, it is not intended that in the limitation present invention.
The embodiment of the present invention is intended to quickly and easily to user's immigration state (and being properly termed as country of destination) corresponding target electricity Sub- wallet is supplemented with money, so that the connection in different regions with sovereign right between legal tender and strange land mobile-payment system is got through, convenient for using Family carries out mobile payment using the target electronic wallet in immigration state, to meet the mobile payment demand of mobile internet era. Here, mobile payment (Mobile Payment), and be properly termed as mobile-phone payment is that a kind of permission user uses its mobile terminal (usually mobile phone) carries out a kind of method of service of account payment to the commodity or service consumed.Mobile payment mainly includes remote Cheng Zhifu and near field payment.Wherein, remote payment refers to through mobile communications network, using air interfaces such as short message, GPRS, and Backstage payment system establishes connection, realizes the means of payment of the various payment functions such as transfer accounts, consume；Near field payment, refers to and passes through tool There is the mobile terminal of near field communication (NFC) to realize information exchange, carries out the means of payment of money-capital transfer.Here, electric Sub- wallet is properly termed as mobile wallet or digital wallet again, and the electronic money that inside can store under user name (also known as counts Word currency), the consumer record for recording and storage user's mobile payment.Corresponding stored value card may include this under user name The stored value card that user creates in more than one country, and user can create a stored value card or two in a country The stored value card of the different payment platforms of above correspondence.
Before to the information processing method of the cross-border mobile payment of embodiment of the present invention explanation, first to embodiment of the present invention side The system that method application is related to is illustrated.As shown in Figure 1, the system includes: first server 101, second server 102 and industry Business processing platform 103.Wherein, first server 101 is as node is initiated, for please seek survival based on user in user the country one belongs to Charging request is initiated to the cross-border digital wallet of user.Second server 102 is as node is supplemented with money, for the immigration in user State provides the user with the service of supplementing with money of local digital wallet.Service process platform 103, for receiving first server 101 Charging request simultaneously passes to second server 102, and service process platform 103 first server 101 and second server it Between 102 reach contract under the premise of generate accounting information, and the book keeping operation letter is updated according to the charging information of second server 102 Breath to realize fast supplementing with money for cross-border digital wallet, and records corresponding accounting information by service process platform 103.
In the embodiment of the present invention, first server counterpart terminal user service provider (EUSP, end user service Providers), here, serve as EUSP main body may include: the outlet of bank, currency conversion mechanism, telecommunications company, Airline, travel agency etc. provide the mechanism of currency conversion, and EUSP can be provided under the currency conversion services or line of line Currency conversion services.
In the embodiment of the present invention, second server corresponds to destination and supplements affiliate (DFC, destination with money fulfilment counterparts).Here, serve as DFC main body can for the purpose of corresponding finance service, state, example Such as, the outlet of bank, currency conversion mechanism, telecommunications company, airline, travel agency etc. provide the mechanism of currency conversion.
It should be noted that any connection to this system finance service either single EUSP or DFC body Part, EUSP and DFC identity can also be functioned simultaneously as.It travels for example, A state citizen's first is gone abroad to B state, B state citizen's second is gone abroad to A State's tourism, for citizen's first, a certain finance service of A state is EUSP, and a certain finance service of B state is DFC； For citizen's second, the finance service of B state may be EUSP, and the finance service of A state may be DFC。
The service process platform 103 of the embodiment of the present invention can dock one or more finance services of country variant EUSP or DFC server.
As shown in Fig. 2, being applied to business the embodiment of the invention provides a kind of information processing method of cross-border mobile payment Processing platform, this method comprises:
Step 201, the first solicited message sent as the first server for initiating node, the first request letter are obtained Breath is for initiating the request supplemented with money to the target electronic wallet of user；
In an application example, user can come the place of business of EUSP face to face, pass through cash, bank card, electronics goods The modes such as coin pay the local currency of setting quantity to EUSP, and submit relevant application information, and this application information includes at least: Target electronic wallet the country one belongs to, the Account Type of target electronic wallet, the corresponding cell-phone number of target electronic wallet.EUSP is according to receipts To the quantity of local currency paid of application information and user, generate the first solicited message and simultaneously sent out by first server 101 Give service process platform 103.First solicited message includes at least: target electronic wallet ID (account), target electronic wallet institute In state (i.e. country of destination), Account Type (for determining the service provider of mobile payment), the local currency of target electronic wallet Quantity.Optionally, the first solicited message can also include: exchange rate, exchange deadline etc..Here, deadline is exchanged It can be the deadline that the former exchange rate of excess funds is retracted.
Here, EUSP can be according to the corresponding cell-phone number of target electronic wallet that application information is submitted to target electronic wallet Whether really verified, for example, the third-party authentication machine of the accessible International Telecommunication Union of first server (ITU) authorization Structure obtains the corresponding telecommunications authentication of the cell-phone number as a result, the telecommunications authentication result can be global telecommunications authentication As a result, and the target electronic wallet is that the telecommunications authentication result based on user creates, in the target electronic wallet institute Backup has the corresponding relationship of the target electronic wallet Yu the telecommunications authentication result in the financial services system of state, the One server obtains the corresponding target electronic wallet of received telecommunications authentication result by accessing corresponding certifying organization, i.e., Can determine the corresponding target electronic account of the cell-phone number whether necessary being.In this way, first server can be provided according to user Cell-phone number automatically determine corresponding target electronic account ID or according to user provide cell-phone number and target electronic account ID, It is verified according to the information that the result of inquiry provides user, verification mode here is quick and easy, and simplifies user and mention For the complicated procedures that other Association Identities prove, and since the corresponding telecommunications authentication result of cell-phone number can the different states in the whole world Family, area obtain unification, to be conducive to get through in different regions with sovereign right between legal tender and strange land mobile-payment system Connection.
Here, telecommunications authentication result can be the corresponding IMSI International Mobile Subscriber Identity of cell-phone number (IMSI: International Mobile Subscriber Identity).In other embodiments, the telecommunications authentication result is also It can be the user index etc. of telco provider where the corresponding ID card No. of cell-phone number, user.For example, in China, due to hand Machine number needs real-name authentication, can be determined according to the cell-phone number its in the ID card No. of the corresponding user of China, so as to It realizes that the ID card No. based on user creates stored value card, whether verifies target electronic wallet using the ID card No. of user Authentic and valid effect.Certainly, in other countries or area, different telecommunications authentications can be taken as a result, to realize The condition of corresponding stored value card creation and verifying.Since entering for user's offer can be verified based on telecommunications authentication result The corresponding target electronic wallet of border state, such user can simplify examination & approval and verification procedure at EUSP, (i.e. by first server The server of EUSP) the telecommunications authentication result based on user verifies.
In another application example, user can be by intelligent terminal (for example, the terminals such as mobile phone, notebook, tablet computer Equipment) the online conversion services network address that EUSP is provided is accessed, online provide submits relevant application information and is transferred accounts online Operation, this application information include at least: target electronic wallet the country one belongs to, the Account Type of target electronic wallet, target electronic money Wrap corresponding cell-phone number.It above-mentioned application information that first server 101 receives and transfers accounts successfully correspond to the number of local currency online Amount, automatically generates the first solicited message and is sent to service process platform 103.First solicited message includes at least: target Stored value card ID (account), target electronic wallet the country one belongs to (i.e. country of destination), the Account Type of target electronic wallet, local currency Quantity.Optionally, the first solicited message can also include: exchange rate, exchange deadline etc..
Step 202, the first contract is sent based on first solicited message and generates solicited message to as supplementing node with money Second server；
It is corresponding according to EUSP belonging to first server 101 after service process platform 103 receives the first solicited message DFC, to the second server 102 of corresponding DFC send the first contract generate solicited message.
Since EUSP can be described to be based on described first there are two more than, in one embodiment in the corresponding DFC of country of destination Solicited message sends the first contract and generates solicited message to as the second server for supplementing node with money, comprising:
At least one the corresponding service of supplementing with money of target electronic wallet the country one belongs to is determined based on first solicited message Provider (i.e. DFC)；
Based on the corresponding initiation service provider (i.e. EUSP) of the first server and at least one described service of supplementing with money Cooperative relationship between provider determines the second server, generates first contract and generates solicited message and be sent to institute State second server.
Here it is possible to be recorded based on the collaboration history of EUSP and more than two DFC to determine target DFC, and then determine The second server.First contract generates solicited message and is equivalent to EUSP to corresponding DFC one contract offer of sending.This In inventive embodiments, which can be IOU offer.Wherein, IOU (I owe you) is a kind of bill signed in acknowledgement of debt, represents and initiates Side recognizes the credits that recipient possesses with forms of contract.It may include: offer related side that first contract, which generates solicited message, Information, currency conversion information, wherein offer related side's information may include: initiator (EUSP), target side (DFC), can be with It can receive simultaneously including the third-party institution as monitoring party, such as the monitoring party that both sides arrange in advance and record first conjunction About generate request message.Currency conversion information may include: EUSP Receiving information, the target electronic for specifying target DFC exchange Wallet ID, the Account Type of wallet, exchange rate, exchange rate validity period, clearing off period etc..Exchange rate validity period refers to offer middle finger The validity period of fixed exchange rate can be by described if the remaining sum that DFC responds user within the exchange rate validity period retracts request Remaining sum in target electronic wallet is retracted into initiator EUSP by exchange rate.
Step 203, it determines and receives the confirmation response that the second server generates, generate and store the first book keeping operation letter Breath, wherein the second server generates the confirmation response when the first contract solicited message meets preset condition；
In one embodiment, the request of the first contract generates after solicited message is sent to second server, it is also necessary to wait the The confirmation of two servers responds.The second server generates institute when the first contract solicited message meets preset condition State confirmation response.When practical application, the preset condition of second server setting can be with are as follows: accumulative IOU total value, single are supplemented with money Limit, exchange rate etc..
If second server judges have partial information not meet accordingly in the first contract solicited message according to preset condition Condition can not then generate confirmation response.If not receiving the confirmation response of second server, the first contract within the set duration Request generates the corresponding contract request failure of solicited message.Service process platform 103 is based on first solicited message and sends out again The first contract is sent to generate solicited message to as the third server (being equivalent to a new second server) for supplementing node with money；And It determines and receives the confirmation response that the third server generates, generate and store the first accounting information.Here, third server Meet other DFC of condition for purpose state, and the number for attempting contract request can be set, and even attempt the number of setting quantity Afterwards, corresponding confirmation response is not received yet, then the information for supplementing failure with money is returned to first server 101, and by first server 101 push the feedback information to corresponding user.
Step 204, the charging information supplemented with money to the target electronic wallet that the second server is sent is obtained；
If second server receives contract request, generates confirmation response concurrent and give service process platform, and second Server carries out target electronic wallet to supplement operation with money, and successful recharging is then fed back successful recharging information to service process platform, filled Then feedback supplements failure information with money to service process platform for value failure.I.e. the charging information can be successful recharging information or supplement with money Failure information.
Step 205, first accounting information is updated based on the charging information；
Operational processor platform is based on the charging information and updates first accounting information.
It is described that the first book keeping operation letter is updated based on the charging information if the charging information is successful recharging information Breath, comprising: the corresponding account information of successful recharging is written in first accounting information.For example, in the first accounting information The corresponding IOU amount of money is written.And second server (can for example, be located when the mobile network of the intelligent terminal of the user is effective When the mobile network of country of destination), receive corresponding successful recharging information.
If the charging information is when supplementing failure information with money, not update first accounting information, at this point, the first book keeping operation The corresponding IOU amount of money of information is default setting.Service process platform can respond described supplement with money according to preset rules Failure information.
If user after the tour schedule of country of destination, can also move back local currency remaining in target electronic wallet It returns in the money-system of this country.In one embodiment, present invention method further include:
The second solicited message that the second server is sent is obtained, second solicited message is the second server It is generated in response to the request that the user retracts the remaining sum in the target electronic wallet；
The second contract, which is sent, based on second solicited message generates solicited message to the first server；
Based on the response that the first server generates, first accounting information is updated.
In embodiments of the present invention, the second contract generate solicited message be according between EUSP and DFC contract generate more than The solicited message that volume is retracted, if generating response according to the contract made an appointment after first server receives the solicited message, i.e., the One server agrees to the contract solicited message, then sends the service process platform that responds to of agreement, service process platform then basis The response of the agreement updates the first accounting information.When concrete application, first server can retract cash (i.e. will be remaining to user The corresponding local currency of volume returns to user by way of cash), the corresponding local currency of remaining sum can also be divided into user Home in corresponding stored value card, service process platform then updates the first accounting information according to the response, i.e. update IOU gold Volume.In one embodiment, first server returns remaining sum according to the path original road that user supplements with money originally, and even user is in EUSP It is then to send short message prompt information by recharging by cash and give the user, the user is reminded to come to extract remaining sum respective numbers The local currency of remaining sum respective numbers is transferred to bank's account if user in EUSP is supplemented with money by bank transfer by cash The local currency of remaining sum respective numbers is retracted into the electronic money if user in EUSP is supplemented with money by stored value card by family Packet.In this way, can be in order to follow-up audit, so that currency circulation has trackability.
In the embodiment of the present invention, EUSP and DFC can the supervision in the sovereign state belonging to it issue and put electronic money. Specifically, it may refer to the disclosed distributed Billing System that can not distort based on secure hardware of CN 201610736004.5 to send out Electronic money is put into corresponding stored value card, convenient for the safety of the unified supervision and electronic money of financial institution.
In the embodiment of the present invention, the first accounting information can be the accounting information generated based on IOU contract.First book keeping operation letter Breath can be stored based on the memory mechanism of decentralization.For example, can be flat come storage service processing using block platform chain The accounting information occurred on platform, block platform chain use the memory mechanism that decentralization is realized based on common recognition mechanism, can be true Each accounting information stored on platform of keeping tie will not be tampered.Wherein the validity period of IOU contract can be by the EUSP and DFC that match Between in advance agreement it is good, within the validity period of IOU contract, the first accounting information can be updated, until IOU contract fail.
In view of each node in block platform chain to the whole network broadcast account book information, to platform operational performance require compared with Height, in one embodiment, first accounting information are based on corda distribution account book platform and are stored.Corda distribution account This platform is a kind of open source distribution account book platform inspired by block chain technical principle, with bit coin, the Typical Areas such as ether mill Block platform chain is compared, and Corda, which has given up each node, will verify and record account book the whole network broadcast mode of each transaction, The participant for being only required to each transaction is verified and is recorded to transaction.It solves distributed account book technology to answer in commercialization Two very sensitive problems in: the handling capacity of transaction is greatly improved；Can shared account book be avoided guarantee to trade The dispute of data secret.
In the embodiment of the present invention, service process platform can also periodically between EUSP and DFC be based on multiple accounting informations into Row clearance.For example, the intelligent contract of distribution book keeping operation platform starts settlement mechanism when meeting scheduled billing cycle and condition: For example EUSP or DFC passes through instruction (SETTLE) starting clearing, or honouring by financial institution (OFI) the starting letter of credit.Tool Body, it can be offset based on a plurality of accounting information generated based on IOU contract between EUSP and DFC, and poor existing It is settled accounts in the case where volume by specified currency type and the exchange rate.In this way, the service process platform of the embodiment of the present invention does not provide The stored value card of user also haves no need to change the assets amount of money in the corresponding stored value card of user, the assets amount of money in stored value card Variation be that corresponding operation is carried out under financial supervision policy by corresponding EUSP or DFC, to realize complete Under supervision state individual entry personnel foreign currency purchasing power (such as dollar, yen, Euro etc. principal currencies, in the gold of its this country Melt in system) to purchasing power (such as RMB, in the financial system of China) conversion of place of entry.It is converted compared to existing currency It changes, Credit Card Payments, cross-border bank transfer etc. is more convenient, expense is lower, using more convenient.
Present invention method has the advantages that
1, natural to meet the needs of financial supervision, the legal tender in region with sovereign right that mobile personnel is possessed passes through The number that this system is established pays wallet still in each autonomy region in the supervision scope of competent authority, i.e. the embodiment of the present invention The amount of money of legal tender that is not related in each field with sovereign right of service process platform change operation.
2, service process platform of the embodiment of the present invention has been got through legal tender and strange land number in different regions with sovereign right and has been paid Connection between system.
3, service process platform of the embodiment of the present invention provides global mobile personnel a kind of efficiently (almost in real time), convenience And low-cost payment pipeline, promote the general favour financial development in global range, promotes people-to-people contacts.
4, in present invention method, the electronic money of roaming (i.e. cross-border exchange) is directly entered the electronic money of localization Packet can be directly entered payment link, and the payment link of the stored value card localized is completely in local financial supervision, Avoid the money laundering risks of conventional currency conversion.
5, in present invention method, entry personnel are still and its electricity in the local stored value card established and used Believe authentication result tight binding, it is ensured that the authenticity of client.
6, in present invention method, due to the whole world flow of personnel inside and outside it is two-way, may be implemented in completely EUSP and It is not necessary that actual currency conversion/transfer occurs between DFC.
As shown in figure 3, being applied to the first clothes the embodiment of the invention also provides the information processing method of cross-border mobile payment Business device, this method comprises:
Step 301, the charging request for being supplemented with money to the target electronic wallet of user is obtained；
In an application example, user can come the place of business of EUSP face to face, pass through cash, bank card, electronics goods The modes such as coin pay the local currency of setting quantity to EUSP, and submit relevant application information, and this application information includes at least: Target electronic wallet the country one belongs to, the Account Type of target electronic wallet, the corresponding cell-phone number of target electronic wallet.EUSP is according to receipts To the quantity of local currency paid of application information and user, generate the first solicited message and simultaneously sent out by first server 101 Give service process platform 103.First solicited message includes at least: target electronic wallet ID (account), target electronic wallet institute In state (i.e. country of destination), Account Type (for determining the service provider of mobile payment), the local currency of target electronic wallet Quantity.Optionally, the first solicited message can also include: exchange rate, exchange deadline etc..
In another application example, user can be by intelligent terminal (for example, the terminals such as mobile phone, notebook, tablet computer Equipment) the online conversion services network address that EUSP is provided is accessed, online provide submits relevant application information and is transferred accounts online Operation, this application information include at least: target electronic wallet the country one belongs to, the Account Type of target electronic wallet, target electronic money Wrap corresponding cell-phone number.When submitting application information for mobile phone, cell-phone number or the corresponding IMSI of cell-phone number can be obtained automatically And first server 101 is sent to application information.
Step 302, the telecommunications authentication result based on the corresponding user of the charging request is to the target electronic money Packet is verified；
Wherein, the target electronic wallet is that the telecommunications authentication result based on user creates.Here, first service The third-party authentication mechanism of the accessible International Telecommunication Union of device (ITU) authorization obtains the corresponding telecommunications authentication of the cell-phone number As a result, and the target electronic wallet is that the telecommunications authentication result based on user creates, in the target electronic wallet institute Backup has the corresponding relationship of the target electronic wallet Yu the telecommunications authentication result in the financial services system of state, the One server obtains the corresponding target electronic wallet of received telecommunications authentication result by accessing corresponding certifying organization, i.e., Can determine the corresponding target electronic account of the cell-phone number whether necessary being.In this way, first server can be provided according to user Cell-phone number automatically determine corresponding target electronic account ID or according to user provide cell-phone number and target electronic account ID is verified according to the information that the result of inquiry provides user, and verification mode here is quick and easy, and simplifies use Family provide other Association Identities proof complicated procedures, and due to the corresponding telecommunications authentication result of cell-phone number can the whole world not Obtain unification with country, area, thus be conducive to get through in different regions with sovereign right legal tender and strange land mobile-payment system it Between connection.
Here, telecommunications authentication result can be the corresponding IMSI of cell-phone number.In other embodiments, the telecommunications identity Verification result can be also the user index etc. of telco provider where the corresponding ID card No. of cell-phone number, user.For example, in State, since cell-phone number needs real-name authentication, can be determined according to the cell-phone number its in the ID card No. of the corresponding user of China, So as to realize that the ID card No. based on user creates stored value card, target electronic is verified using the ID card No. of user The whether authentic and valid effect of wallet.Certainly, in other countries or area, different telecommunications authentications can be taken as a result, To realize the condition of corresponding stored value card creation and verifying.User is verified since telecommunications authentication result can be based on The corresponding target electronic wallet of the immigration state of offer, such user can simplify examination & approval and verification procedure at EUSP, by first Server is verified based on the telecommunications authentication result of user.
EUSP is accessed by intelligent terminal (for example, the terminal devices such as mobile phone, notebook, tablet computer) for user to provide Online conversion services network address situation, first server 101 can pass through network obtain the first solicited message, i.e., acquisition user It the application information submitted and transfers accounts successfully correspond to the quantity of local currency online.First solicited message includes at least: target Stored value card ID (account), target electronic wallet the country one belongs to (i.e. country of destination), the Account Type of target electronic wallet, local currency Quantity.Optionally, the first solicited message can also include: exchange rate, exchange deadline etc..
Step 303, after being verified, the first solicited message is sent to service process platform, first solicited message is used The target electronic wallet is supplemented with money in through service process platform request second server.
If first server verifies the authenticity that confirmed target electronic wallet, first can be sent to service process platform Solicited message.First solicited message is for service process platform according to the contract request second server of setting to the target Stored value card is supplemented with money.When practical application, the corresponding IOU of all preparatory agreement of EUSP and DFC of service process platform is added Contract, service process platform can send contract according to the first solicited message and request the second clothes corresponding to qualified DFC Business device.
Compared to existing bank's exchange system, when carrying out currency conversion, it is only necessary to by being based on telecommunications authentication As a result the verifying of authenticity can be carried out to stored value card.And telecommunications authentication is the result is that tourist carries out mobile lead to place of entry Necessary verifying, compared to the strong authentications mode such as ID card verification, this can be unsatisfactory for avoid foreign tourist and is tested by force required for letter Not the problem of not being available local mobile payment caused by card mode, and telecommunications authentication result all has extensively in world community Property, consequently facilitating having got through the connection in different regions with sovereign right between legal tender and strange land digital payment systems.
In some embodiments, the method also includes:
It obtains the second contract that the service process platform is sent and generates solicited message, second contract generates request letter Breath is retracted between the first server and the second server about remaining sum in the target electronic wallet for confirming Contract；
Confirm that second contract generates solicited message, execute the remaining sum retract and feedback acknowledgment information is to the industry Business processing platform.
Behaviour is retracted based on what IOU contract can carry out remaining sum in target electronic wallet between first server and second server Make.In this way, the remaining sum in target electronic wallet to be retracted into the Faculty of Finance of this country after entering a country state's tourism convenient for tourist System, and be converted to local currency.
The embodiment of the invention also provides a kind of information processing methods of cross-border mobile payment, are applied to second server, As shown in figure 4, this method comprises:
Step 401, it obtains the first contract that service process platform is sent and generates solicited message, the first contract generation is asked Information is asked to establish setting with as the first server for initiating node in the service process platform for the second server Contract；
Service process platform is based on after receiving the first solicited message sent as the first server for initiating node First solicited message sends the first contract and generates solicited message to second server.
Step 402, if first contract generation solicited message meets preset condition, feedback acknowledgment responds to the industry Business processing platform, the confirmation response generate for the service process platform and store the first accounting information；
When practical application, the preset condition of second server setting can be with are as follows: accumulative IOU total value, single are supplemented the upper limit with money, converted Change rate etc..
If second server judges have partial information not meet accordingly in the first contract solicited message according to preset condition Condition can not then generate confirmation response.If not receiving the confirmation response of second server, the first contract within the set duration Request generates the corresponding contract request failure of solicited message.Service process platform 103 is based on first solicited message and sends the One contract generates solicited message to as the third server for supplementing node with money；And determining that receiving the third server generates Confirmation response, generate and store the first accounting information.Here, third server is other DFC that purpose state meets condition, and The number for attempting contract request can be set, and after the number for even attempting setting quantity, not receive corresponding confirmation response yet, then The information for supplementing failure with money is returned to first server 101, and the feedback information is pushed by first server 101 and is used to corresponding Family.
Step 403, target electronic account is supplemented with money based on the first contract solicited message, and feeds back charging information To the service process platform.
Second server supplements the target electronic account with money, after the request of the same contract in this way, the mesh of user Just there is the electronic money of the corresponding amount of money in mark electronic account, mobile payment can be carried out in locality in order to user.Second service Device also feeds back charging information to service process platform, consequently facilitating service process platform updates corresponding first book keeping operation of IOU contract Information.
If the charging information is successful recharging information, service process platform is written in first accounting information fills It is worth successfully corresponding account information.For example, the corresponding IOU amount of money is written in the first accounting information.And second server can be with When the mobile network of the intelligent terminal of the user is effective when mobile network (for example) in country of destination, corresponding fill is received It is worth successful information.
In one embodiment, the method also includes:
Acquisition retracts request to what the remaining sum in the target electronic wallet of user was retracted；
The telecommunications authentication result of corresponding user is requested to test the target electronic wallet based on described retract Card；
After being verified, the second solicited message is sent to service process platform, second solicited message is for described in warp Service process platform request first server retracts the remaining sum in the target electronic wallet.
After user's overseas trip, retraction operation can be carried out to the remaining sum in target electronic wallet.For example, passing through Request is retracted in mobile phone initiation, and second server receives this and retracts request, and retracts the corresponding telecommunications authentication of request based on this As a result the target electronic wallet is verified.For example, this, which is retracted, carries the corresponding IMSI of user, second server in request Can be confirmed whether the corresponding relationship of the IMSI and target electronic wallet are correct, confirms the target electronic wallet if correct Account is true, and sends the second contract to service process platform and generate request.Second contract generates solicited message, that is, root According to the solicited message that the remaining sum that the contract between EUSP and DFC generates is retracted, if first server responds, i.e., first server is agreed to The contract solicited message, then send the service process platform that responds to of agreement, service process platform then according to the response of the agreement, Update the first accounting information.When concrete application, first server can retract cash to user (i.e. by the corresponding this country of remaining sum Currency returns to user by way of cash), it is home corresponding the corresponding local currency of remaining sum can also to be divided into user In stored value card, service process platform then updates the first accounting information according to the response, i.e. the update IOU amount of money.In an embodiment In, first server returns remaining sum according to the path original road that user supplements with money originally, and even user is to pass through recharging by cash in EUSP , then it sends short message prompt information and gives the user, the user is reminded to come to extract the cash of remaining sum respective numbers, if user exists EUSP is supplemented with money by bank transfer, then the local currency of remaining sum respective numbers is transferred to the bank account, if user exists EUSP is supplemented with money by stored value card, then the local currency of remaining sum respective numbers is retracted into the stored value card.In this way, can be with Convenient for follow-up audit, so that currency circulation has trackability.
In Application Example of the present invention, as shown in figure 5, being illustrated by taking border tourism person as an example:
The traveller logs in local roaming before leaving for the fairly common country of mobile payment (such as China) Change service provider, which registers, creates corresponding stored value card.After registration, by the relevant information of oneself and it is expected to the money spent Gold submits to the EUSP of its country one belongs to, and the EUSP of the country one belongs to is the legal financial institution under the country one belongs to's supervision.
EUSP is also the registration body of service process platform of the embodiment of the present invention simultaneously, after the demand for receiving user, root According to the demand of client, generates corresponding IOU offer and requests to give service process platform (i.e. World Change platform in Fig. 5), And the DFC (i.e. Chinese finance service) of destination is sent to by the service process platform, basis is corresponding after DFC is received Information is supplemented with money to the target electronic wallet that user specifies.
In this way, logging in local mobile communications network after traveller's immigration, mobile payment selection target electronics can be passed through Wallet carries out on-line payment, convenient for meeting local consumption habit, promotes the convenience of consumption.
Border tourism person is a kind of flow of personnel to strange land, is needed in long-distance consuming and the scene that pays.In another application In scene: personnel may not move, but need to consume digital product/service that strange land produces and is deployed in cyberspace, and It needs in a manner of the currency payment in strange land, and similar above-mentioned change roaming system (i.e. service process platform) is needed to provide Relevant Transformation Service.
Service process platform through the embodiment of the present invention, consumer (such as the U.S.) in access strange land (such as China) Network video, before novel or game, log in the roaming change service provider of consumer locality, creation stored value card, if Existing stored value card then can be omitted this link.After registration, the relevant information of oneself and the fund for being expected to spend are submitted to The EUSP of its country one belongs to, EUSP generate corresponding IOU contract through service process platform and request, and are sent to the DFC of destination, DFC It is supplemented with money according to corresponding information to the stored value card that user specifies after reception.In consumer, (no matter consumer is no is arrived later Be moved to digital product and state region be provided) access related digital products when, that is, can be used configured stored value card to carry out corresponding Payment.
Method in order to realize the embodiment of the present invention, the embodiment of the invention also provides a kind of information of cross-border mobile payment Processing unit is set to service process platform, as shown in fig. 6, the device includes: the first acquisition module 601, processing module 602 And second obtain module 603.Wherein:
First obtains module 601, for obtaining the first solicited message sent as the first server for initiating node, institute The first solicited message is stated for initiating the request supplemented with money to the target electronic wallet of user；
Processing module 602 generates solicited message to as filling for sending the first contract based on first solicited message The second server of value node；It determines and receives the confirmation response that the second server generates, generate and store the first book keeping operation Information, wherein the second server generates the confirmation and ring when the first contract solicited message meets preset condition It answers；
Second obtains module 603, for obtaining filling to the target electronic wallet for the second server transmission The charging information of value；
The processing module 602 is also used to update first accounting information based on the charging information；
Wherein, the target electronic wallet is that the telecommunications authentication result based on user creates.
In some embodiments, processing module 602 stores the first accounting information based on the memory mechanism of decentralization.
In some embodiments, processing module 602 is based on corda distribution account book platform and stores the first accounting information.
In some embodiments, if charging information is successful recharging, processing module 602 is in first accounting information The corresponding account information of successful recharging is written.
In some embodiments, processing module 602 is also used to:
If the confirmation response that the second server generates is not received within the set duration, based on the first request letter Breath sends the first contract and generates solicited message to as the third server for supplementing node with money；Determination receives the third server The confirmation of generation responds, and generates and stores the first accounting information；Obtain that the third server sends to the target electronic The charging information that wallet is supplemented with money；First accounting information is updated based on the charging information.
In some embodiments, the second acquisition module 603 is also used to: obtaining the second server is sent second Solicited message, second solicited message is for the second server in response to the user in the target electronic wallet What the request that remaining sum is retracted generated.The processing module 602 is also used to: being sent second based on second solicited message and is closed Solicited message is about generated to the first server；Based on the response that the first server generates, first book keeping operation is updated Information.
In some embodiments, the processing module 602 is also used to: determining the target based on first solicited message Stored value card the country one belongs to it is corresponding at least one supplement service provider with money；It is mentioned based on the corresponding initiation service of the first server Supplier and it is described at least one supplement the cooperative relationship between service provider with money, determine the second server, generate described first Contract generates solicited message and is sent to the second server.
When practical application, first obtains module 601, processing module 602 and the second acquisition module 603, can be by cross-border shifting The processor in the information processing unit of payment is moved to realize.Certainly, processor needs the computer program in run memory To realize its function.
It should be understood that the information processing unit of cross-border mobile payment provided by the above embodiment is carrying out cross-border movement When the information processing of payment, only it can according to need with the division progress of above-mentioned each program module for example, in practical application And complete above-mentioned processing distribution by different program modules, i.e., the internal structure of device is divided into different program modules, To complete all or part of processing described above.In addition, the information processing of cross-border mobile payment provided by the above embodiment Device and the information processing method embodiment of cross-border mobile payment belong to same design, and specific implementation process is detailed in method implementation Example, which is not described herein again.
Based on the hardware realization of above procedure module, and the method in order to realize the embodiment of the present invention, the embodiment of the present invention A kind of first server is also provided.The first server processor and for storing the computer journey that can be run on a processor The memory of sequence, wherein the processor when for running computer program, executes first server of embodiment of the present invention side The step of the method.
Based on the hardware realization of above procedure module, and the method in order to realize the embodiment of the present invention, the embodiment of the present invention A kind of second server is also provided.The second server processor and for storing the computer journey that can be run on a processor The memory of sequence, wherein the processor when for running computer program, executes second server of embodiment of the present invention side The step of the method.
Based on the hardware realization of above procedure module, and the method in order to realize the embodiment of the present invention, the embodiment of the present invention A kind of information processing system of cross-border mobile payment is also provided.Fig. 7 illustrate only the exemplary structure of the system and not all Part-structure or entire infrastructure shown in Fig. 7 can be implemented in structure as needed.
As shown in fig. 7, system provided in an embodiment of the present invention includes: the processor 701 of multiple networkings, each processor 701 With corresponding memory 702, network interface 703.Each processor 701 passes through with corresponding memory 702, network interface 703 Bus system 704 is coupled.It is appreciated that bus system 704 is for realizing the connection communication between these components.Always Linear system system 704 further includes power bus, control bus and status signal bus in addition in addition to including data/address bus.But in order to clear For the sake of Chu's explanation, various buses are all designated as bus system 704 in Fig. 7.Wherein, the corresponding processor of this country can be made For the corresponding server of EUSP, the corresponding processor of country of destination can be used as the corresponding server of DFC.
In the embodiment of the present invention, multiple processors 701 record the corresponding note of IOU contract by the way of distributed storage Account information.
Memory 702 in the embodiment of the present invention is for storing various types of data to support the operation of system.These The example of data includes: any computer program for operating in system.
The information processing method for the cross-border mobile payment that the embodiment of the present invention discloses can be applied in processor 701, or Person is realized by processor 701.Processor 701 may be a kind of IC chip, the processing capacity with signal.It was realizing Each step of Cheng Zhong, the information processing method of cross-border mobile payment can pass through the integration logic electricity of the hardware in processor 701 The instruction of road or software form is completed.Above-mentioned processor 701 can be general processor, digital signal processor (DSP, Digital Signal Processor) either other programmable logic device, discrete gate or transistor logic, point Vertical hardware component etc..Processor 701 may be implemented or execute disclosed each method, step and logic in the embodiment of the present invention Block diagram.General processor can be microprocessor or any conventional processor etc..In conjunction with disclosed in the embodiment of the present invention The step of method, can be embodied directly in hardware decoding processor and execute completion, or with hardware in decoding processor and soft Part block combiner executes completion.Software module can be located in storage medium, which is located at memory 702, processor 701 read the information in memories 702, at the information that cross-border mobile payment provided in an embodiment of the present invention is completed in conjunction with its hardware The step of reason method.
In the exemplary embodiment, the information processing system of cross-border mobile payment can be by the dedicated collection of one or more application At circuit (ASIC, Application Specific Integrated Circuit), DSP, programmable logic device (PLD, Programmable Logic Device), Complex Programmable Logic Devices (CPLD, Complex Programmable Logic Device), it is FPGA, general processor, controller, microcontroller (MCU, Micro Controller Unit), micro- Processor (Microprocessor) or other electronic components are realized, for executing preceding method.
It is appreciated that memory 702 can be volatile memory or nonvolatile memory, may also comprise volatibility and Both nonvolatile memories.Wherein, nonvolatile memory can be read-only memory (ROM, Read Only Memory), programmable read only memory (PROM, Programmable Read-Only Memory), erasable programmable are read-only Memory (EPROM, Erasable Programmable Read-Only Memory), electrically erasable programmable read-only memory (EEPROM, Electrically Erasable Programmable Read-Only Memory), magnetic random access are deposited Reservoir (FRAM, ferromagnetic random access memory), flash memory (Flash Memory), magnetic table Face memory, CD or CD-ROM (CD-ROM, Compact Disc Read-Only Memory)；Magnetic surface storage can To be magnetic disk storage or magnetic tape storage.Volatile memory can be random access memory (RAM, Random Access Memory), it is used as External Cache.By exemplary but be not restricted explanation, the RAM of many forms is available, such as Static random access memory (SRAM, Static Random Access Memory), synchronous static random access memory (SSRAM, Synchronous Static Random Access Memory), dynamic random access memory (DRAM, Dynamic Random Access Memory), Synchronous Dynamic Random Access Memory (SDRAM, Synchronous Dynamic Random Access Memory), double data speed synchronous dynamic RAM (DDRSDRAM, Double Data Rate Synchronous Dynamic Random Access Memory), enhanced synchronous dynamic random Access memory (ESDRAM, Enhanced Synchronous Dynamic Random Access Memory), synchronized links Dynamic random access memory (SLDRAM, SyncLink Dynamic Random Access Memory), direct memory are total Line random access memory (DRRAM, Direct Rambus Random Access Memory).Description of the embodiment of the present invention Memory is intended to include but is not limited to the memory of these and any other suitable type.
In the exemplary embodiment, the embodiment of the invention also provides a kind of storage medium, i.e. computer storage medium, tools Body can be computer readable storage medium, the memory 702 for example including storage computer program, above-mentioned computer program It can be executed by the processor 701 of the information processing system of cross-border mobile payment, to complete step described in present invention method Suddenly.The storage medium can also be storage equipment corresponding with first server or second server, in first service Device completes first server side or the second clothes when perhaps the corresponding processor of second server executes corresponding computer program Step described in the method for business device side.Computer readable storage medium can be ROM, PROM, EPROM, EEPROM, Flash The memories such as Memory, magnetic surface storage, CD or CD-ROM.
It should be understood that " first ", " second " etc. are to be used to distinguish similar objects, without specific for describing Sequence or precedence.
In addition, between technical solution documented by the embodiment of the present invention, it in the absence of conflict, can be in any combination.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any Those familiar with the art in the technical scope disclosed by the present invention, can easily think of the change or the replacement, and should all contain Lid is within protection scope of the present invention.Therefore, protection scope of the present invention should be subject to the protection scope in claims.

Claims (16)

1. a kind of information processing method of cross-border mobile payment, which is characterized in that be applied to service process platform, comprising:
Obtain as initiate node first server send the first solicited message, first solicited message for initiation to The request that the target electronic wallet of user is supplemented with money；
The first contract, which is sent, based on first solicited message generates solicited message to as the second server for supplementing node with money；
It determines and receives the confirmation response that the second server generates, generate and store the first accounting information, wherein described the Two servers generate the confirmation response when the first contract solicited message meets preset condition；
Obtain the charging information supplemented with money to the target electronic wallet that the second server is sent；
First accounting information is updated based on the charging information；
Wherein, the target electronic wallet is that the telecommunications authentication result based on user creates.
2. the method according to claim 1, wherein the first accounting information based on the memory mechanism of decentralization into Row storage.
3. according to the method described in claim 2, it is characterized in that, first accounting information is based on corda distribution account book Platform is stored.
4. the method according to claim 1, wherein
It is described that first accounting information is updated based on the charging information if the charging information is successful recharging, comprising: The corresponding account information of successful recharging is written in first accounting information.
5. the method according to claim 1, wherein the method also includes:
If not receiving the confirmation response that the second server generates within the set duration, sent out based on first solicited message The second contract is sent to generate solicited message to as the third server for supplementing node with money；
It determines and receives the confirmation response that the third server generates, generate and store the first accounting information；
Obtain the charging information supplemented with money to the target electronic wallet that the third server is sent；
First accounting information is updated based on the charging information.
6. the method according to claim 1, wherein the method also includes:
The second solicited message that the second server is sent is obtained, second solicited message is second server response It is generated in the request that the user retracts the remaining sum in the target electronic wallet；
The second contract, which is sent, based on second solicited message generates solicited message to the first server；
Based on the response that the first server generates, first accounting information is updated.
7. the method according to claim 1, wherein described send the first contract based on first solicited message Solicited message is generated to as the second server for supplementing node with money, comprising:
Determine that at least one the corresponding service of supplementing with money of target electronic wallet the country one belongs to provides based on first solicited message Side；
Based on the corresponding initiation service provider of the first server and it is described at least one supplement the conjunction between service provider with money Make relationship, determine the second server, generates first contract and generate solicited message and be sent to the second server.
8. a kind of information processing method of cross-border mobile payment, which is characterized in that be applied to first server, comprising:
Obtain the charging request for being supplemented with money to the target electronic wallet of user；
Telecommunications authentication result based on the corresponding user of the charging request verifies the target electronic wallet；
After being verified, the first solicited message is sent to service process platform, first solicited message is used for through the business Processing platform request second server supplements the target electronic wallet with money；
Wherein, the target electronic wallet is that the telecommunications authentication result based on user creates.
9. according to the method described in claim 8, it is characterized in that, the method also includes:
It obtains the second contract that the service process platform is sent and generates solicited message, second contract generates solicited message and uses The conjunction retracted between the confirmation first server and the second server about remaining sum in the target electronic wallet About；
Confirm that second contract generates solicited message, execute the remaining sum retract and feedback acknowledgment information is at the business Platform.
10. a kind of information processing method of cross-border mobile payment, which is characterized in that be applied to second server, comprising:
It obtains the first contract that service process platform is sent and generates solicited message, first contract generates solicited message and is used for institute It states second server and establishes setting contract with as the first server for initiating node in the service process platform；
If the first contract generation solicited message meets preset condition, feedback acknowledgment responds to the service process platform, The confirmation response generates for the service process platform and stores the first accounting information；
Target electronic account is supplemented with money based on the first contract solicited message, and feeds back charging information at the business Platform.
11. according to the method described in claim 10, it is characterized in that, the method also includes:
Acquisition retracts request to what the remaining sum in the target electronic wallet of user was retracted；
The telecommunications authentication result of corresponding user is requested to verify the target electronic wallet based on described retract；
After being verified, the second solicited message is sent to service process platform, second solicited message is used for through the business Processing platform request first server retracts the remaining sum in the target electronic wallet.
12. a kind of information processing unit of cross-border mobile payment characterized by comprising
First obtain module, for obtains as initiation node first server transmission the first solicited message, described first Solicited message is used for the request for initiating to be supplemented with money to the target electronic wallet of user；
Processing module generates solicited message to as supplementing node with money for sending the first contract based on first solicited message Second server；It determines and receives the confirmation response that the second server generates, generate and store the first accounting information, In, the second server generates the confirmation response when the first contract solicited message meets preset condition；
Second obtains module, for obtaining supplementing with money to what the target electronic wallet was supplemented with money for the second server transmission Information；
The processing module is also used to update first accounting information based on the charging information；
Wherein, the target electronic wallet is that the telecommunications authentication result based on user creates.
13. a kind of information processing system of cross-border mobile payment characterized by comprising processor and can be for storing The memory of the computer program run on processor, wherein
The processor, when for running computer program, the step of perform claim requires any one of 1 to 7 the method.
14. a kind of first server characterized by comprising processor and by store can run on a processor based on The memory of calculation machine program, wherein
The processor, when for running computer program, the step of perform claim requires any one of 8 to 9 the method.
15. a kind of second server characterized by comprising processor and by store can run on a processor based on The memory of calculation machine program, wherein
The processor, when for running computer program, the step of perform claim requires any one of 10 to 11 the method.
16. a kind of storage medium, computer program is stored on the storage medium, which is characterized in that the computer program When being executed by processor, the step of realizing any one of claim 1 to 11 the method.
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