CN111260342B - Authentication payment method and device - Google Patents
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- CN111260342B CN111260342B CN201911176240.6A CN201911176240A CN111260342B CN 111260342 B CN111260342 B CN 111260342B CN 201911176240 A CN201911176240 A CN 201911176240A CN 111260342 B CN111260342 B CN 111260342B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/955—Retrieval from the web using information identifiers, e.g. uniform resource locators [URL]
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- 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
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Abstract
The embodiment of the invention provides an authentication payment method and device, which are applied to a seller system operating under a browser of a third-party payment system, wherein a channel system which has a preset relation with the seller system also operates under the browser of the third-party payment system; the method comprises the following steps: when a payment request sent by the channel side system is received, sending the page link to the channel side system; after receiving the input of the user on the authorization page, sending the enterprise identification of the seller system to a third-party payment system; and receiving the authentication identification returned by the payment system of the party, generating an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request, and sending the order placing request to the third party payment system so that the third party payment system completes authentication payment according to the order placing request. In the embodiment of the invention, the fund paid when the user buys the product of the seller through the channel side system can be directly paid to the seller.
Description
Technical Field
The invention relates to the field of online payment, in particular to an authentication payment method and device.
Background
With the rapid development of the internet, more and more convenience is provided for the life of people. In particular, in the case of performing transactions via the internet, online transactions are becoming the mainstream of transactions. And, currently, people pay money to a payee using a three-party payment system when purchasing products online.
At present, in order to promote sales, sellers can put their products into a plurality of channels for sale. So that the user can buy the products of the seller at the channel side.
However, when the user purchases the product at the channel side, the corresponding funds are directly paid to the channel side. Because the seller cannot directly obtain the funds paid by the user when purchasing the product, the channel side needs to process and integrate the funds and the related data after receiving the funds and then send the processed and integrated funds to the seller, thereby undoubtedly increasing the complexity of the seller for recovering the funds and reducing the efficiency of recovering the funds.
Disclosure of Invention
The embodiment of the invention provides an authentication payment method and device, and aims to solve the problem that in the prior art, when a user purchases a product through a channel side, the paid fund cannot be directly paid to a seller, so that the seller has low fund recovery efficiency.
In a first aspect, an embodiment of the present invention provides an authenticated payment method, which is applied to a seller system operating under a browser of a third-party payment system, where a channel system having a preset relationship with the seller system also operates under the browser of the third-party payment system; the method comprises the following steps:
the seller system sends a page link to the channel side system when receiving a payment request sent by the channel side system, wherein the page link is a link of an authorization page of the seller system;
after the seller system receives the input of the user on the authorization page, the seller system sends the enterprise identification of the seller system to the third-party payment system;
the seller system receives an authentication identifier returned by the third-party payment system, wherein the authentication identifier is an identifier determined by the third-party payment system according to the identity information corresponding to the user in the third-party payment system and the identity information corresponding to the enterprise identifier in the third-party payment system;
and the seller system generates an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request, and sends the order placing request to the third party payment system so that the third party payment system completes authentication payment according to the order placing request.
Optionally, the seller system includes: intranet capital equipment and extranet middleware equipment;
the step of the seller system sending the page link to the channel side system when receiving the payment request sent by the channel side system comprises:
the external network middleware equipment sends the payment request to the internal network fund equipment when receiving the payment request;
the intranet capital equipment generates a user unique identification code according to the payment request, and stores the payment request and the corresponding user unique identification code into a preset database;
and splicing the unique user identification code and the page link, and sending the spliced page link to the channel side system.
Optionally, after the step of generating the user unique identification code according to the payment request, the method further includes: acquiring an enterprise identifier of the seller system, and storing the enterprise identifier and a corresponding unique user identification code into a preset database;
the step of sending the vendor system's corporate identity to the third party payment system after the vendor system receives the user's input on the authorization page comprises:
after the indication information triggered by the user in the authorized page is detected, searching a corresponding enterprise identifier in a preset database according to the unique user identifier in the spliced page link;
and sending the searched enterprise identifier to the third party payment system.
Optionally, when the user unique identification code is generated according to the payment request, the method further includes: generating a preset time duration timestamp;
after the step of the seller system receiving the authentication identifier returned by the third party payment system, the method further comprises:
judging whether the transaction is overtime or not according to the preset time length timestamp;
and if the transaction is not overtime, executing the step that the seller system generates an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request.
Optionally, the step of sending the order placing request to the third party payment system so that the third party payment system completes authenticated payment according to the order placing request includes:
sending the order placing request to the third party payment system;
receiving a payment identifier sent by the third-party payment system according to the order placing request;
and generating a payment request according to the payment identifier, and sending the payment request to the third-party payment system so that the third-party payment system can pay the fund of the payment amount of the user in the third-party payment system to an account corresponding to the enterprise identifier in the third-party payment system according to the payment request.
Optionally, the payment request carries a payment success uniform resource locator and a payment failure uniform resource locator.
Optionally, the payment request carries at least one of a merchant number, a service serial number, an application identification code, and a digital signature.
In a second aspect, an embodiment of the present invention further provides an authentication payment apparatus, which is applied to a seller system running under a browser of a third-party payment system, wherein a channel system having a preset relationship with the seller system also runs under the browser of the third-party payment system; the device comprises:
the authorization module is used for sending a page link to the channel side system when receiving a payment request sent by the channel side system, wherein the page link is a link of an authorization page of the seller system;
the skip module is used for sending the enterprise identification of the seller system to the third-party payment system after receiving the input of the user on the authorization page;
the authentication module is used for receiving an authentication identifier returned by the third-party payment system, wherein the authentication identifier is an identifier determined by the third-party payment system according to the identity information corresponding to the user in the third-party payment system and the identity information corresponding to the enterprise identifier in the third-party payment system;
and the payment module is used for generating an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request, and sending the order placing request to the third-party payment system so that the third-party payment system completes authentication payment according to the order placing request.
Optionally, the seller system includes: intranet capital equipment and extranet middleware equipment;
the authorization module includes:
the external network unit is used for sending the payment request to the internal network capital equipment when receiving the payment request;
the intranet unit is used for generating a user unique identification code according to the payment request and storing the payment request and the corresponding user unique identification code into a preset database;
and the splicing unit is used for splicing the unique user identification code and the page link and sending the spliced page link to the channel side system.
Optionally, the apparatus further comprises: the acquisition module is used for acquiring the enterprise identification of the seller system and storing the enterprise identification and the corresponding unique user identification code into a preset database;
the skip module is specifically configured to search a corresponding enterprise identifier in a preset database according to a user unique identification code in the spliced page link after detecting indication information triggered by the user on the authorized page; and sending the searched enterprise identification to the third-party payment system.
Optionally, the apparatus further comprises: the time stamp module is used for generating a preset time length time stamp;
the judging module is used for judging whether the transaction is overtime according to the preset time length timestamp; and if the transaction is not overtime, executing the step that the seller system generates an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request.
Optionally, the payment module includes:
the ordering unit is used for sending the ordering request to the third-party payment system;
the first payment unit is used for receiving a payment identifier sent by the third-party payment system according to the order placing request;
and the second payment unit is used for generating a payment request according to the payment identifier and sending the payment request to the third-party payment system so that the third-party payment system can pay the fund of the payment amount of the user in the third-party payment system to the account of the enterprise identifier corresponding to the third-party payment system according to the payment request.
Optionally, the payment request carries a payment success uniform resource locator and a payment failure uniform resource locator.
Optionally, the payment request carries at least one of a merchant number, a service serial number, an application identification code, and a digital signature.
In a third aspect, an embodiment of the present invention further provides an electronic device, where the electronic device includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the steps in the payment authentication method when executing the computer program.
In a fourth aspect, the embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps in the method for authenticating a payment as described above.
In the embodiment of the invention, the seller system can receive the payment request of the channel side system, so that when a user purchases a product on the channel side system, the seller system can acquire the purchasing behavior of the user through the received payment request. The seller system sends a page link to the channel side system when receiving a payment request sent by the channel side system, wherein the page link is a link of an authorization page of the seller system; thus, the user can access the authorized page of the seller system through the page link received by the channel side system. By receiving user input at the authorization page, the situation where the user purchases the product directly at the vendor system is simulated. And sending the enterprise identification of the seller system to a third party payment system. After receiving the authentication identification returned by the third-party payment system, generating an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request, and sending the order placing request to the third-party payment system; the third party payment system completes the authentication payment according to the order placing request, so that the funds paid by the user for purchasing the product in the channel side system can be directly paid to the seller side system through the third party payment system. The channel side system is prevented from collecting the funds paid by the user and then forwarding the funds and the related data to the seller side system, the complexity of fund recovery of the seller side system is reduced, and the fund recovery efficiency of the seller side system is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without inventive labor.
FIG. 1 is a flowchart illustrating steps of a method for authenticating a payment according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating steps for sending a page link according to an embodiment of the present invention;
FIG. 3 is a flowchart of the steps for placing an order payment according to an embodiment of the present invention;
fig. 4 is a schematic application diagram of an authenticated payment method according to an embodiment of the present invention;
fig. 5 is a schematic signal interaction diagram of an authenticated payment method according to an embodiment of the present invention;
fig. 6 is a second schematic signal interaction diagram of the payment authentication method according to the embodiment of the present invention;
fig. 7 is a block diagram of an authenticated payment device according to an embodiment of the present invention;
FIG. 8 is a block diagram of an authorization module according to an embodiment of the invention;
FIG. 9 is a block diagram of a payment module according to an embodiment of the invention;
fig. 10 is a block diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be appreciated that reference throughout this specification to "one embodiment" or "an embodiment" means that a particular feature, structure or characteristic described in connection with the embodiment is included in at least one embodiment of the present invention. Thus, the appearances of the phrases "in one embodiment" or "in an embodiment" in various places throughout this specification are not necessarily all referring to the same embodiment. Furthermore, the particular features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.
In various embodiments of the present invention, it should be understood that the sequence numbers of the following processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
Referring to fig. 1, an embodiment of the present invention provides an authenticated payment method, which is applied to a seller system operating under a browser of a third party payment system, where a channel system having a preset relationship with the seller system also operates under the browser of the third party payment system. The third party payment system may be, but is not limited to, a WeChat or a Payment treasure. Taking the WeChat as an example, the user can access a shop (e.g., a public number) on the WeChat after logging in the WeChat, and the user does not leave the WeChat all the time during the process of purchasing a product by accessing the shop. The seller system and the channel system are two different shops in WeChat, wherein the seller system puts certain products of the seller system on the channel system for sale. The embodiment of the invention can aim at the scene when the user purchases the product on the seller system on the channel system.
The method comprises the following steps:
It should be noted that there is a cooperative relationship between the seller system and the channel system, and if the seller system is an insurance platform, the channel system is a partner platform of the insurance platform. Some of the products on the channel side system are products of the seller system, such as the multiple insurance products on the Thai insurance system on the day. When the user purchases the part of the product through the channel side system, the channel side system sends a payment request to the seller system to inform the purchasing behavior of the user.
The authorization page is a page on the seller system, and the user can access the authorization page of the seller system through the page link. When the user accesses the authorization page, the user has jumped to the vendor system.
Preferably, the payment request carries a payment success uniform resource locator and a payment failure uniform resource locator. When the payment is successful, jumping to a page indicated by the payment success uniform resource locator; when the payment fails, a jump to the page indicated by the payment failure uniform resource locator may be made. Optionally, the payment request carries at least one of a merchant number, a service serial number, an application identification code, and a digital signature.
It should be noted that after the user accesses the authorization page of the seller system through the page link, the operation of sending the enterprise identifier to the third-party payment system may be triggered by the user click, or the browser is controlled to simulate the operation of the user click, and the operation of sending the enterprise identifier to the third-party payment system is automatically triggered. When the seller system sends the enterprise identifier to the third-party payment system, the third-party payment system can also detect whether the object currently accessed by the user is the seller system.
And 103, the seller system receives the authentication identifier returned by the third-party payment system.
It should be noted that the authentication identifier is an identifier determined by the third-party payment system according to the identity information corresponding to the user in the third-party payment system and the identity information corresponding to the enterprise identifier in the third-party payment system. And after the third-party payment system receives the enterprise identification sent by the seller system, and the third-party payment system detects that the object currently accessed by the user is the seller system, the authentication is successful, and the authentication identification is generated.
And 104, the seller system generates an order placing request according to the authentication identifier, the enterprise identifier and the payment amount in the payment request, and sends the order placing request to the third-party payment system so that the third-party payment system completes authentication payment according to the order placing request.
It should be noted that the order placing request is sent to the third party payment system, which is equivalent to telling the third party payment system that the user is ready to purchase the product on the seller system when accessing the seller system. Preferably, the order placing request also carries a collection account of the seller system. And after receiving the order placing request, the third-party payment system deducts the fee of the user according to a normal order placing payment process and transfers the fee to an account of the seller system.
In the embodiment of the invention, the seller system can receive the payment request of the channel side system, so that when a user purchases a product on the channel side system, the seller system can acquire the purchasing behavior of the user through the received payment request. The seller system sends a page link to the channel side system when receiving a payment request sent by the channel side system, wherein the page link is a link of an authorization page of the seller system; thus, the user can access the authorized page of the seller system through the page link received by the channel side system. By receiving user input at the authorization page, the situation where the user purchases the product directly at the vendor system is simulated. And sending the enterprise identification of the seller system to a third party payment system. After receiving the authentication identification returned by the third-party payment system, generating an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request, and sending the order placing request to the third-party payment system; the third party payment system completes the authentication payment according to the order placing request, so that the funds paid by the user for purchasing the product in the channel side system can be directly paid to the seller side system through the third party payment system. The channel side system is prevented from collecting the funds paid by the user and then forwarding the funds and the related data to the seller side system, the complexity of fund recovery of the seller side system is reduced, and the fund recovery efficiency of the seller side system is improved.
As shown in fig. 2, in order to improve the security during the data transmission process, on the basis of the above embodiment of the present invention, in the embodiment of the present invention, the seller system includes: intranet capital equipment and extranet middleware equipment;
the step that the seller system sends the page link to the channel side system when receiving the payment request sent by the channel side system comprises the following steps:
202, the intranet capital equipment generates a unique user identification code according to the payment request, and stores the payment request and the corresponding unique user identification code into a preset database;
and step 203, splicing the unique user identification code and the page link, and sending the spliced page link to a channel side system.
It should be noted that the extranet middleware device is configured to receive data sent by the channelizer system and the third-party payment system, and forward the data to the intranet fund device. And the intranet fund equipment processes the data forwarded by the extranet middleware equipment and sends the data to the extranet middleware equipment. And the extranet middleware equipment is also used for forwarding the data sent by the intranet fund equipment to a channelizer system or a third-party payment system. A safety channel between the intranet capital equipment and the external network equipment is established through the extranet middleware equipment, and risks caused by direct access of the intranet capital equipment to the external network are avoided.
When the payment request and the user unique identification code are stored, the information carried in the payment request can be analyzed, and the analyzed information and the user unique identification code are correspondingly stored in a preset database. Therefore, when the seller system performs data interaction with the channel system, only the unique identification code of the user needs to be carried in the interactive data. The seller system can search the corresponding information in the preset database through the unique identification code of the user, and the safety in the information transmission process is improved.
Preferably, after the step of generating a user unique identification code from the payment request, the method further comprises: acquiring an enterprise identification of a seller system, and storing the enterprise identification and a corresponding unique user identification code into a preset database;
the step of the seller system sending the enterprise identifier of the seller system to the third party payment system after receiving the input of the user on the authorization page comprises the following steps:
after the indication information triggered by the user in the authorized page is detected, searching a corresponding enterprise identifier in a preset database according to the unique user identifier in the spliced page link;
and sending the searched enterprise identification to a third party payment system.
It should be noted that the corporate identity is the corporate identity of the seller system when it registers with the third party payment system. The third party payment system can check the information registered by the corresponding enterprise during registration according to the enterprise identification.
On the basis of the above embodiments of the present invention, in the embodiment of the present invention, when generating the unique user identification code according to the payment request, the method further includes: generating a preset time duration timestamp;
after the step of the seller system receiving the authentication identifier returned by the third party payment system, the method further comprises the following steps:
judging whether the transaction is overtime or not according to the preset time length timestamp;
and if the transaction is not overtime, executing the step that the seller system generates an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request.
It should be noted that if the transaction times out, a notification may be sent to the user, notifying the user that the order is time out, and the user may place the order again. The preset time duration timestamp can be 2 hours, after the seller system receives the authentication identifier, whether the time duration of the process exceeds 2 hours or not is judged according to the current time and the time for generating the timestamp, if the time duration exceeds 2 hours, the transaction is overtime, otherwise, the transaction is not overtime.
As shown in fig. 3, on the basis of the above embodiments of the present invention, in the embodiment of the present invention, the step of sending the order placing request to the third party payment system, so that the third party payment system completes the authenticated payment according to the order placing request includes:
It should be noted that the third party payment system may perform the deduction operation after receiving the order placing request and then receiving the payment request. After receiving the payment request, the password input box can be awakened, and after the user inputs the correct password, the fee is deducted according to the information in the order placing request.
Fig. 4 is a schematic diagram illustrating an application of the payment authentication method according to an embodiment of the present invention; the method comprises two payment modes:
the payment method is as follows: when a user purchases a product through the seller authentication platform, acquiring an identity identification code of the seller user authenticated by the third-party payment system; the seller authentication platform places an order through a seller capital system and then the user pays; the seller capital system authenticates the user identification code through the third-party payment system, and the user identification code is the identification code of the seller user authenticated by the third-party payment system, so the authentication is successful and the payment is successful.
And a second payment mode: when a user purchases a product through the channel party authentication platform, acquiring an identity identification code of the authenticated channel party user of the third-party payment system; the channel party authentication platform places an order through a seller fund system and then the user pays the order; the seller fund system acquires the identity identification code of the seller user authenticated by the third-party payment system, and then authenticates the identity identification code of the user through the third-party payment system.
As shown in fig. 5 and fig. 6, schematic diagrams of signal interaction of the payment authentication method according to the embodiment of the present invention are provided. Referring to fig. 5, when a user clicks to place an order at a user end, the service system of the channel side system forwards the user request to the seller side system. After a seller system receives a user request, user access information is verified, a merchant number, a stream number, a success failure url (Uniform Resource Locator), an MD5 signature, message information is accessed to a short connection table, a token (token) + 2-hour timestamp is generated, a payment url + token timestamp parameter is recalled to generate other data, and an authorization page url of the user is spliced and returned, wherein the authorization page url contains the api and the other data parameters. And the channel side system jumps to the authorization page of the seller side system according to the returned authorization page url. The seller system receives the service system access parameters through the authorization page, processes the parameters and calls an interface of a third-party payment system; the third-party payment system acquires an id (identity identification code), wherein the id is generated by the third-party payment system according to the identity of the user and the identity of the seller system; and the third-party payment system splices the acquired id as a parameter behind the url of the authorization page for access. The seller system acquires the token + timestamp and the id, then judges whether the transaction is overtime, if the transaction is overtime, the seller system returns an overtime notification to the user end, and the user can place an order again through the service system; if the verification is not over time, data verification is carried out, and after the verification is successful, an ordering request is sent to a third-party payment system; the third party payment system receives the order request and then processes the order request.
With continued reference to fig. 6, after the third party payment system processes the order placement request, a payment string is returned to the seller system, the seller system generates payment parameters according to the payment string, and sends a payment request to the third party payment system, thereby evoking a payment password input box of the third party payment system. After the user inputs the correct password in the payment password input box, the third-party payment system starts to process the user transaction information and generate a transaction result. On one hand, the seller system directly obtains the transaction notice and jumps to a payment success page or a payment failure page according to the transaction result. And on the other hand, the third-party payment system generates a three-party result notice, sends the three-party result notice to the seller system, and forwards the three-party result notice to the channel side system by the seller system, so that the whole authentication payment process is completed.
The authenticated payment method provided by the embodiment of the invention is described above, and the authenticated payment device provided by the embodiment of the invention is described below with reference to the accompanying drawings.
Referring to fig. 7 to fig. 9, an authentication payment apparatus according to an embodiment of the present invention is applied to a seller system operating under a browser of a third party payment system, where a channel system having a preset relationship with the seller system also operates under the browser of the third party payment system; the device comprises:
the authorization module 71 is configured to send a page link to the channel side system when receiving a payment request sent by the channel side system, where the page link is a link of an authorization page of the seller side system;
a skip module 72, configured to send the enterprise identifier of the seller system to the third-party payment system after receiving an input from the user on the authorization page;
the authentication module 73 is configured to receive an authentication identifier returned by the third-party payment system, where the authentication identifier is an identifier determined by the third-party payment system according to the identity information corresponding to the user in the third-party payment system and the identity information corresponding to the enterprise identifier in the third-party payment system;
and the payment module 74 is configured to generate an order placing request according to the authentication identifier, the enterprise identifier and the payment amount in the payment request, and send the order placing request to the third-party payment system, so that the third-party payment system completes authentication payment according to the order placing request.
Optionally, the seller system comprises: intranet capital equipment and extranet middleware equipment;
the authorization module 71 includes:
the external network unit 711 is configured to send the payment request to the internal network capital equipment when receiving the payment request;
the intranet unit 712 is configured to generate a unique user identifier according to the payment request, and store the payment request and the corresponding unique user identifier in a preset database;
and the splicing unit 713 is configured to splice the user unique identifier and the page link, and send the spliced page link to the channel side system.
Optionally, the apparatus further comprises: the system comprises an acquisition module, a preset database and a control module, wherein the acquisition module is used for acquiring an enterprise identifier of a seller system and storing the enterprise identifier and a corresponding unique user identifier into the preset database;
the skip module is specifically used for searching a corresponding enterprise identifier in a preset database according to a unique user identification code in a spliced page link after detecting indication information triggered by a user in an authorized page; and sending the searched enterprise identifier to a third party payment system.
Optionally, the apparatus further comprises: the time stamp module is used for generating a preset time length time stamp;
the judging module is used for judging whether the transaction is overtime according to the preset time length timestamp; and if the transaction is not overtime, executing the step that the seller system generates an order placing request according to the authentication identifier, the enterprise identifier and the payment amount in the payment request.
Optionally, the payment module 74 includes:
the ordering unit 741 is configured to send an ordering request to the third-party payment system;
a first payment unit 742, configured to receive a payment identifier sent by the third party payment system according to the order placing request;
the second payment unit 743 is configured to generate a payment request according to the payment identifier, and send the payment request to the third-party payment system, so that the third-party payment system pays the fund of the payment amount of the user in the third-party payment system to the account corresponding to the enterprise identifier in the third-party payment system according to the payment request.
Optionally, the payment request carries a payment success uniform resource locator and a payment failure uniform resource locator.
Optionally, the payment request carries at least one of a merchant number, a service serial number, an application identification code, and a digital signature.
The authentication payment device provided by the embodiment of the invention can realize each process realized by the authentication payment method in the method embodiments of fig. 1 to fig. 3, and is not described again to avoid repetition.
In the embodiment of the invention, the seller system can receive the payment request of the channel side system, so that when a user purchases a product on the channel side system, the seller system can acquire the purchasing behavior of the user through the received payment request. The seller system sends a page link to the channel side system when receiving a payment request sent by the channel side system, wherein the page link is a link of an authorization page of the seller system; thus, the user can access the authorized page of the seller system through the page link received by the channel side system. By receiving the user's input at the authorization page, the situation where the user purchases the product directly at the vendor system is simulated. And sending the enterprise identification of the seller system to a third party payment system. After receiving the authentication identification returned by the third-party payment system, generating an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request, and sending the order placing request to the third-party payment system; the third party payment system completes the authentication payment according to the order placing request, so that the funds paid by the user for purchasing the product in the channel side system can be directly paid to the seller side system through the third party payment system. The channel side system is prevented from collecting the funds paid by the user and then forwarding the funds and the related data to the seller system, the complexity of the seller system in recovering the funds is reduced, and the efficiency of the seller system in recovering the funds is improved.
On the other hand, an embodiment of the present invention further provides an electronic device, which includes a memory, a processor, a bus, and a computer program stored in the memory and executable on the processor, where the processor implements the steps in the above-mentioned payment authentication method when executing the program.
For example, fig. 10 shows a schematic physical structure diagram of an electronic device.
As shown in fig. 10, the electronic device may include: a processor (processor) 1010, a communication Interface (Communications Interface) 1020, a memory (memory) 1030, and a communication bus 1040, wherein the processor 1010, the communication Interface 1020, and the memory 1030 communicate with each other via the communication bus 1040. Processor 1010 may call logic instructions in memory 1030 to perform the following method:
the seller system sends a page link to the channel side system when receiving a payment request sent by the channel side system, wherein the page link is a link of an authorization page of the seller system;
after receiving the input of the user on the authorization page, the seller system sends the enterprise identifier of the seller system to a third-party payment system;
the seller system receives an authentication identifier returned by the third-party payment system, wherein the authentication identifier is determined by the third-party payment system according to the identity information of the user in the third-party payment system and the identity information of the enterprise identifier in the third-party payment system;
and the seller system generates an order placing request according to the authentication identifier, the enterprise identifier and the payment amount in the payment request, and sends the order placing request to the third party payment system so that the third party payment system completes authentication payment according to the order placing request.
Furthermore, the logic instructions in the memory 1030 can be implemented in software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention or a part thereof which substantially contributes to the prior art may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
In still another aspect, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program is implemented to, when executed by a processor, perform the method for authenticating a payment provided in the foregoing embodiments, for example, including:
the seller system sends a page link to the channel side system when receiving a payment request sent by the channel side system, wherein the page link is a link of an authorization page of the seller system;
after receiving the input of the user on the authorization page, the seller system sends the enterprise identifier of the seller system to a third-party payment system;
the seller system receives an authentication identifier returned by the third-party payment system, wherein the authentication identifier is an identifier determined by the third-party payment system according to the identity information corresponding to the user in the third-party payment system and the identity information corresponding to the enterprise identifier in the third-party payment system;
and the seller system generates an order placing request according to the authentication identifier, the enterprise identifier and the payment amount in the payment request, and sends the order placing request to the third party payment system so that the third party payment system completes authentication payment according to the order placing request.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one position, or may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, and not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. An authentication payment method is characterized in that the method is applied to a seller system operating under a browser of a third-party payment system, wherein a channel system having a preset relationship with the seller system also operates under the browser of the third-party payment system; the method comprises the following steps:
the seller system sends a page link to the channel side system when receiving a payment request sent by the channel side system, wherein the page link is a link of an authorization page of the seller system;
after the seller system receives the input of the user on the authorization page, the seller system sends the enterprise identification of the seller system to the third-party payment system;
the seller system receives an authentication identifier returned by the third-party payment system, wherein the authentication identifier is an identifier determined by the third-party payment system according to the identity information corresponding to the user in the third-party payment system and the identity information corresponding to the enterprise identifier in the third-party payment system;
and the seller system generates an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request, and sends the order placing request to the third party payment system so that the third party payment system completes authentication payment according to the order placing request.
2. The method of claim 1, wherein the vendor system comprises: intranet capital equipment and extranet middleware equipment;
the step of the seller system sending the page link to the channel side system when receiving the payment request sent by the channel side system comprises:
the external network middleware equipment sends the payment request to the internal network fund equipment when receiving the payment request;
the intranet capital equipment generates a unique user identification code according to the payment request, and stores the payment request and the corresponding unique user identification code into a preset database;
and splicing the unique user identification code and the page link, and sending the spliced page link to the channel side system.
3. The method of claim 2, wherein after the step of generating a user unique identification code from the payment request, the method further comprises: acquiring an enterprise identifier of the seller system, and storing the enterprise identifier and a corresponding unique user identification code into a preset database;
the step of sending the vendor system's corporate identity to the third party payment system after the vendor system receives the user's input on the authorization page comprises:
after the indication information triggered by the user on the authorized page is detected, searching a corresponding enterprise identifier in a preset database according to the unique user identifier in the spliced page link;
and sending the searched enterprise identifier to the third party payment system.
4. The method of claim 2, wherein, when generating the user unique identification code from the payment request, the method further comprises: generating a preset time duration timestamp;
after the step of the seller system receiving the authentication identifier returned by the third party payment system, the method further comprises the following steps:
judging whether the transaction is overtime or not according to the preset time length timestamp;
and if the transaction is not overtime, executing the step that the seller system generates an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request.
5. The method of claim 1, wherein sending the order placing request to the third party payment system to enable the third party payment system to complete authenticated payment according to the order placing request comprises:
sending the order placing request to the third party payment system;
receiving a payment identifier sent by the third-party payment system according to the order placing request;
and generating a payment request according to the payment identifier, and sending the payment request to the third-party payment system so that the third-party payment system can pay the fund of the payment amount of the user in the third-party payment system to the account of the enterprise identifier corresponding to the third-party payment system according to the payment request.
6. The method of claim 1, wherein the payment request carries a payment success uniform resource locator and a payment failure uniform resource locator.
7. The method of claim 1, wherein the payment request carries at least one of a merchant number, a service serial number, an application identification code, and a digital signature.
8. An authentication payment device is applied to a seller system running under a browser of a third-party payment system, wherein a channel side system having a preset relation with the seller system also runs under the browser of the third-party payment system; the device comprises:
the authorization module is used for sending a page link to the channel side system when receiving a payment request sent by the channel side system, wherein the page link is a link of an authorization page of the seller system;
the skip module is used for sending the enterprise identifier of the seller system to the third-party payment system after receiving the input of the user on the authorization page;
the authentication module is used for receiving an authentication identifier returned by the third-party payment system, wherein the authentication identifier is an identifier determined by the third-party payment system according to the identity information corresponding to the user in the third-party payment system and the identity information corresponding to the enterprise identifier in the third-party payment system;
and the payment module is used for generating an order placing request according to the authentication identification, the enterprise identification and the payment amount in the payment request, and sending the order placing request to the third-party payment system so that the third-party payment system completes authentication payment according to the order placing request.
9. An electronic device comprising a processor, a memory and a computer program stored on the memory and executable on the processor, characterized in that the computer program, when executed by the processor, carries out the steps of the method of authenticated payment according to any one of claims 1 to 7.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of authenticating a payment according to any one of claims 1 to 7.
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| CN112308362A (en) * | 2020-07-06 | 2021-02-02 | 广东粤财金融云科技股份有限公司 | Enterprise trade data processing method and device and business application system |
| CN112488686A (en) * | 2020-11-19 | 2021-03-12 | 建信金融科技有限责任公司 | Secure payment method, system, electronic equipment and readable storage medium |
| CN113591047A (en) * | 2021-08-04 | 2021-11-02 | 吉林亿联银行股份有限公司 | User identity identification method and device, electronic equipment and storage medium |
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