CN111429128A - Cross-platform payment method, system, equipment and storage medium for mobile terminal - Google Patents
Cross-platform payment method, system, equipment and storage medium for mobile terminal Download PDFInfo
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- CN111429128A CN111429128A CN202010198040.7A CN202010198040A CN111429128A CN 111429128 A CN111429128 A CN 111429128A CN 202010198040 A CN202010198040 A CN 202010198040A CN 111429128 A CN111429128 A CN 111429128A
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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Abstract
The invention provides a cross-platform payment method, a system, equipment and a storage medium for a mobile terminal, wherein the method comprises the following steps: the front end generates a payment two-dimensional code, and the information of the payment two-dimensional code comprises the address of the transfer station; the mobile terminal scans the payment two-dimensional code through a payment platform program and sends a payment request to the transfer site, wherein the payment request comprises the type of the payment platform; the transfer station acquires payment data from the back end according to the payment request and sends the acquired payment data to the mobile terminal; and the payment platform program of the mobile terminal generates and displays a payment page according to the payment data. The invention realizes cross-platform mobile terminal scanning payment, realizes that the same payment two-dimensional code can be identified by different payment platforms and realizes payment by adding the intermediate site and configuring the mapping rule at the back end, and does not cause the link to be unidentifiable due to cross-platform scanning of the two-dimensional code, thereby improving the payment success rate and realizing the payment process of a small program scene without payment capability.
Description
Technical Field
The invention relates to the technical field of two-dimensional codes, in particular to a cross-platform payment method, a cross-platform payment system, a cross-platform payment device and a cross-platform payment storage medium for a mobile terminal.
Background
In the existing small program scene without payment capability, the payment operation is mainly completed through two modes: one mode is a mode of jumping to an APP scene of a payment product through an external link, and the other mode is a mode of jumping to a specific payment connection through terminal scanning by generating two-dimensional codes with payment functions.
The first method needs to install a relevant APP in advance in the terminal and provide the authority for external link jumping, and has risks of jumping failure and information loss; the second approach requires different two-dimensional codes to be generated for different payment platforms, and cross-platform scanning of the two-dimensional codes can cause that the link cannot be identified and payment fails.
Disclosure of Invention
Aiming at the problems in the prior art, the invention aims to provide a cross-platform payment method, a cross-platform payment system, a cross-platform payment device and a storage medium of a mobile terminal, so that the cross-platform mobile terminal can realize scanning payment and improve the payment success rate.
The embodiment of the invention provides a cross-platform payment method for a mobile terminal, which comprises the following steps:
the front end generates a payment two-dimensional code, and the information of the payment two-dimensional code comprises the address of the transfer station;
the mobile terminal scans the payment two-dimensional code through a payment platform program and sends a payment request to the transfer site, wherein the payment request comprises the type of a payment platform;
the transfer station acquires payment data from a back end according to the payment request and sends the acquired payment data to the mobile terminal;
and the payment platform program of the mobile terminal generates and displays a payment page according to the payment data.
Optionally, the payment data includes a payment platform mapping address, the transit station acquires the payment data from a back end according to the payment request, and includes that the transit station acquires a corresponding payment platform mapping address from the back end according to the payment platform type in the payment request.
Optionally, the information of the payment two-dimensional code and the payment request further include order query parameters, and the payment data further includes order payment parameters;
and the transfer site acquires payment data from the back end according to the payment request, wherein the transfer site acquires corresponding order payment parameters from the back end according to the order query parameters in the payment request.
Optionally, after the payment platform program of the mobile terminal generates and displays a payment page according to the payment data, the method further includes the following steps:
and the payment platform program of the mobile terminal sends the payment state to the back end.
Optionally, the method further comprises the steps of:
and the front end regularly polls the rear end for the payment state of each order.
Optionally, the front end periodically polls the back end for the payment status of each order, including the following steps:
the front end searches for a currently generated payment two-dimensional code at preset intervals, and takes an order which is not notified of successful payment as an inquiry order;
and the front end sends the order query parameters of the query order to the back end, and the payment state of the query order is obtained from the back end.
The embodiment of the invention also provides a mobile terminal cross-platform payment system, which is used for realizing the mobile terminal cross-platform payment method and comprises the following steps:
the front end is used for generating a payment two-dimensional code, and the information of the payment two-dimensional code comprises the address of the transfer station;
the mobile terminal is used for scanning the payment two-dimensional code through a payment platform program, sending a payment request to the transfer site, wherein the payment request comprises the type of the payment platform, and generating and displaying a payment page when receiving payment data returned by the transfer site;
the transfer site is used for acquiring payment data from a back end according to the payment request and sending the acquired payment data to the mobile terminal when receiving the payment request sent by the mobile terminal;
and the back end is used for sending the corresponding payment data to the transfer site when receiving the payment data acquisition request of the transfer site.
Optionally, the payment data includes a payment platform mapping address and an order payment parameter, and the back end is configured with a mapping relationship between a payment platform type and the payment platform mapping address and order information;
and when the transfer site receives a payment request sent by the mobile terminal, acquiring a corresponding payment platform mapping address from a back end according to the payment platform type in the payment request, and acquiring a corresponding order payment parameter from the back end according to an order inquiry parameter in the payment request.
The embodiment of the invention also provides a mobile terminal cross-platform payment device, which comprises:
a processor;
a memory having stored therein executable instructions of the processor;
wherein the processor is configured to perform the steps of the mobile terminal cross-platform payment method via execution of the executable instructions.
The embodiment of the invention also provides a computer readable storage medium for storing a program, and the program realizes the steps of the cross-platform payment method of the mobile terminal when being executed.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
The invention realizes cross-platform mobile terminal scanning payment, realizes that the same payment two-dimensional code can be identified by different payment platforms and realizes payment by adding the intermediate site and configuring the mapping rule at the back end, and does not cause the link to be unidentifiable due to cross-platform scanning of the two-dimensional code, thereby improving the payment success rate and realizing the payment process of a small program scene without payment capability.
Drawings
Other features, objects and advantages of the present invention will become more apparent upon reading of the following detailed description of non-limiting embodiments thereof, with reference to the accompanying drawings.
Fig. 1 is a flowchart of a mobile terminal cross-platform payment method according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a cross-platform payment system of a mobile terminal according to an embodiment of the present invention;
FIG. 3 is a flow diagram of cross-platform payment according to an embodiment of the invention;
FIG. 4 is a schematic diagram of payment in a WeChat applet, in accordance with one embodiment of the present invention;
FIG. 5 is a schematic illustration of payment in APP in accordance with an embodiment of the present invention;
FIG. 6 is a timing diagram of cross-platform payments according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a mobile terminal cross-platform payment device according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a computer-readable storage medium according to an embodiment of the present invention.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.
Furthermore, the drawings are merely schematic illustrations of the present disclosure and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus their repetitive description will be omitted. Some of the block diagrams shown in the figures are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.
As shown in fig. 1, an embodiment of the present invention provides a cross-platform payment method for a mobile terminal, including the following steps:
s100, the front end generates a payment two-dimensional code, wherein the information of the payment two-dimensional code comprises an address of the transit station, and the address can be UR L (Uniform Resource L atom, Uniform Resource locator) of the transit station;
s200: the mobile terminal scans the payment two-dimensional code through a payment platform program and sends a payment request to the transfer site, wherein the payment request comprises the type of a payment platform;
the payment platform programs are various and respectively correspond to one payment platform type, for example, a payment treasure program corresponds to the payment treasure platform type, a WeChat program corresponds to the WeChat platform type, a program for carrying the program corresponds to the payment platform type for carrying the program, and the like;
s300: the transfer station acquires payment data from a back end according to the payment request and sends the acquired payment data to the mobile terminal;
s400: and the payment platform program of the mobile terminal generates and displays a payment page according to the payment data. After the user sees the payment page, the user can perform payment operations in the payment page.
The mobile terminal cross-platform payment method generates a payment two-dimensional code linked to a transit station through the step S100, realizes the mapping of the payment two-dimensional code and the payment platform type to payment data through the steps S200-S300, generates and displays a payment page according to the payment data through a payment platform program through the step S400, thereby realizing the cross-platform mobile terminal scanning payment, realizes that the same payment two-dimensional code can be identified by different payment platforms and realizes the payment through adding an intermediate station and configuring a mapping rule at the rear end, does not cause the link failure identification due to the cross-platform scanning of the two-dimensional code, improves the payment success rate, and realizes the payment process of a small program scene without payment capability.
As shown in fig. 2, an embodiment of the present invention further provides a mobile terminal cross-platform payment system, configured to implement the mobile terminal cross-platform payment method, where the system includes:
the front end M100 is used for generating a payment two-dimensional code, and the information of the payment two-dimensional code comprises an address of a transit station; the front end M100 refers to a front end of an applet platform without payment capability, provides a service interface for a user, and interacts with the user;
the mobile terminal M200 is used for scanning the payment two-dimensional code through a payment platform program, sending a payment request to the transfer site, wherein the payment request comprises a payment platform type, and generating and displaying a payment page when receiving payment data returned by the transfer site; the mobile terminal M200 herein refers to a terminal device used by a user, such as a mobile phone, a tablet computer, and the like, which has a networking payment function, and the payment platform program corresponds to each different payment platform, for example, a payment bank corresponds to a payment bank payment platform, a wechat corresponds to a wechat payment platform, and the like;
the transfer site M300 is configured to, when receiving a payment request sent by the mobile terminal, obtain payment data from a back end according to the payment request, and send the obtained payment data to the mobile terminal, where the transfer site M300 realizes redirection of a mapping address based on a payment platform type;
and the back end M400 is configured to send the corresponding payment data to the transit station when receiving the payment data acquisition request of the transit station, where the back end M400 is a back end providing service support for a front end, and performs order management, service management, and the like.
The mobile terminal cross-platform payment system generates a payment two-dimensional code linked to a transfer station through a front end M100, realizes mapping of the payment two-dimensional code and payment platform types to payment data through the transfer station M300 and a rear end M400, and generates and displays a payment page through a payment platform program according to the payment data through a mobile terminal M200, so that cross-platform mobile terminal scanning payment is realized.
FIG. 3 is a schematic flow chart of order payment according to an embodiment of the present invention. In this embodiment, the payment data includes a payment platform mapping address, and in step S300, the relay station acquires the payment data from the back end according to the payment request, including that the relay station acquires a corresponding payment platform mapping address from the back end according to the payment platform type in the payment request. The rear end is configured with the mapping relation between different payment platform types and the mapping addresses of the payment platforms. For example, if the payment platform type in the payment request is the payment platform 1 type, the mapping address is the payment page address of the payment platform 1, if the payment platform type is the payment platform 2 type, the mapping address is the payment page address of the payment platform 2, and if the payment platform type is the payment platform 3 type, the mapping address is the payment page address of the payment platform 3.
Fig. 4 is a schematic diagram illustrating payment in a WeChat applet, according to an embodiment of the invention; fig. 5 is a schematic diagram of payment in APP according to an embodiment of the present invention. By adopting the mobile terminal cross-platform payment method and system, only one two-dimensional code can be generated, and a user can freely select different payment platforms to perform code scanning payment, so that cross-platform payment is realized, and the condition that payment fails because the payment platforms are not right can not occur.
In this embodiment, the information of the payment two-dimensional code further includes an order query parameter, and the front end adds the order query parameter (for example, information such as an order ID) to the information carried by the payment two-dimensional code when generating the payment two-dimensional code. The payment requests further comprise order inquiry parameters respectively, and the payment data further comprise order payment parameters related to the order inquiry parameters. The back end stores order data associated with each order query parameter.
In step S300, the relay station obtains payment data from the back end according to the payment request, and further includes that the relay station obtains a corresponding order payment parameter from the back end according to an order query parameter in the payment request, the back end queries a corresponding order according to the order query parameter, and obtains a payment parameter of the order, where the order payment parameter includes information such as an order price, an order type, and an order payee.
Fig. 6 is a timing diagram of a cross-platform payment method according to an embodiment of the invention. Firstly, a front end generates a payment two-dimensional code associated with an order, then a mobile terminal scans the payment two-dimensional code through a payment platform program and jumps to a transit station, the payment platform program of the mobile terminal sends a payment request comprising a payment platform type and order inquiry parameters to the transit station, when the transit station receives the payment request sent by the mobile terminal, the transit station requests a mapping address to the rear end through an api of the rear end according to the payment platform type in the payment request, the rear end returns the payment platform mapping address corresponding to the payment platform type, the transit station requests order payment parameters to the rear end through the api of the rear end according to the order inquiry parameters in the payment request, and the rear end returns the order payment parameters corresponding to the order inquiry parameters. And the payment platform program jumps to the payment page of the mapping address.
In this embodiment, the step S400: after a payment platform program of the mobile terminal generates and displays a payment page according to the payment data, the method further comprises the following steps:
s500: and the payment platform program of the mobile terminal sends the payment state to the back end, and if the payment is successful, the back end gives feedback of the completion of the payment to the payment platform program of the mobile terminal.
In this embodiment, the mobile terminal cross-platform payment method further includes the following steps:
and the front end regularly polls the rear end for the payment state of each order.
Specifically, the front end periodically polls the back end for the payment status of each order, including the following steps:
the front end searches for a currently generated payment two-dimensional code at preset intervals, and takes an order which is not notified of successful payment as an inquiry order;
and the front end sends the order query parameters of the query order to the back end, and the payment state of the query order is obtained from the back end. Therefore, the front end can timely acquire the latest payment state of each order by regularly polling the order state.
If the front end inquires the payment state of an order and the back end does not receive the successful payment notice returned by the mobile terminal, the information that the payment is not completed is returned to the front end, and if the front end inquires the payment state of an order and the back end receives the successful payment notice returned by the mobile terminal, the successful payment information is returned to the front end.
According to the invention, a cross-platform two-dimensional code identification technology and an order polling technology are combined, UR L redirection in the two-dimensional code is completed by using a transfer station based on two-dimensional code live code identification, so that the payment function of a corresponding payment platform can be called and payment is completed aiming at code scanning actions of different payment platform programs, and finally, the payment result is synchronized at the front end of a small program without payment capability through polling, so that the payment efficiency and the accuracy are improved.
The embodiment of the invention also provides cross-platform payment equipment of the mobile terminal, which comprises a processor; a memory having stored therein executable instructions of the processor; wherein the processor is configured to perform the steps of the mobile terminal cross-platform payment method via execution of the executable instructions.
As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method or program product. Thus, various aspects of the invention may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.) or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" platform.
An electronic device 600 according to this embodiment of the invention is described below with reference to fig. 7. The electronic device 600 shown in fig. 7 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the electronic device 600 is embodied in the form of a general purpose computing device. The components of the electronic device 600 may include, but are not limited to: at least one processing unit 610, at least one storage unit 620, a bus 630 that connects the various system components (including the storage unit 620 and the processing unit 610), a display unit 640, and the like.
Wherein the storage unit stores program code executable by the processing unit 610 to cause the processing unit 610 to perform steps according to various exemplary embodiments of the present invention described in the mobile terminal cross-platform payment method section above in this specification. For example, the processing unit 610 may perform the steps as shown in fig. 1.
The storage unit 620 may include readable media in the form of volatile memory units, such as a random access memory unit (RAM)6201 and/or a cache memory unit 6202, and may further include a read-only memory unit (ROM) 6203.
The memory unit 620 may also include a program/utility 6204 having a set (at least one) of program modules 6205, such program modules 6205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The embodiment of the invention also provides a computer readable storage medium for storing a program, and the program realizes the steps of the cross-platform payment method of the mobile terminal when being executed. In some possible embodiments, the various aspects of the invention may also be implemented in the form of a program product comprising program code means for causing a terminal device to carry out the steps according to the various exemplary embodiments of the invention described in the mobile terminal cross-platform payment method section above of this description, when said program product is run on the terminal device.
Referring to fig. 8, a program product 800 for implementing the above method according to an embodiment of the present invention is described, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited in this regard and, in the present document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including AN object oriented programming language such as Java, C + +, or the like, as well as conventional procedural programming languages, such as the "C" language or similar programming languages.
The invention realizes cross-platform mobile terminal scanning payment, realizes that the same payment two-dimensional code can be identified by different payment platforms and realizes payment by adding the intermediate site and configuring the mapping rule at the back end, and does not cause the link to be unidentifiable due to cross-platform scanning of the two-dimensional code, thereby improving the payment success rate and realizing the payment process of a small program scene without payment capability.
The foregoing is a more detailed description of the invention in connection with specific preferred embodiments and it is not intended that the invention be limited to these specific details. For those skilled in the art to which the invention pertains, several simple deductions or substitutions can be made without departing from the spirit of the invention, and all shall be considered as belonging to the protection scope of the invention.
Claims (10)
1. A cross-platform payment method of a mobile terminal is characterized by comprising the following steps:
the front end generates a payment two-dimensional code, and the information of the payment two-dimensional code comprises the address of the transfer station;
the mobile terminal scans the payment two-dimensional code through a payment platform program and sends a payment request to the transfer site, wherein the payment request comprises the type of a payment platform;
the transfer station acquires payment data from a back end according to the payment request and sends the acquired payment data to the mobile terminal;
and the payment platform program of the mobile terminal generates and displays a payment page according to the payment data.
2. The method according to claim 1, wherein the payment data includes a payment platform mapping address, and the relay station obtains the payment data from the backend according to the payment request, including the relay station obtaining the corresponding payment platform mapping address from the backend according to the payment platform type in the payment request.
3. The mobile terminal cross-platform payment method of claim 1, wherein the information of the payment two-dimensional code and the payment request further comprise order query parameters, respectively, and the payment data further comprises order payment parameters;
and the transfer site acquires payment data from the back end according to the payment request, wherein the transfer site acquires corresponding order payment parameters from the back end according to the order query parameters in the payment request.
4. The cross-platform payment method for the mobile terminal according to claim 1, wherein after the payment platform program of the mobile terminal generates and displays a payment page according to the payment data, the method further comprises the following steps:
and the payment platform program of the mobile terminal sends the payment state to the back end.
5. The mobile terminal cross-platform payment method of claim 4, further comprising the steps of:
and the front end regularly polls the rear end for the payment state of each order.
6. The mobile terminal cross-platform payment method of claim 4, wherein the front end periodically polls the back end for the payment status of each order, comprising the steps of:
the front end searches for a currently generated payment two-dimensional code at preset intervals, and takes an order which is not notified of successful payment as an inquiry order;
and the front end sends the order query parameters of the query order to the back end, and the payment state of the query order is obtained from the back end.
7. A mobile terminal cross-platform payment system for implementing the mobile terminal cross-platform payment method of any one of claims 1 to 6, the system comprising:
the front end is used for generating a payment two-dimensional code, and the information of the payment two-dimensional code comprises the address of the transfer station;
the mobile terminal is used for scanning the payment two-dimensional code through a payment platform program, sending a payment request to the transfer site, wherein the payment request comprises the type of the payment platform, and generating and displaying a payment page when receiving payment data returned by the transfer site;
the transfer site is used for acquiring payment data from a back end according to the payment request and sending the acquired payment data to the mobile terminal when receiving the payment request sent by the mobile terminal;
and the back end is used for sending the corresponding payment data to the transfer site when receiving the payment data acquisition request of the transfer site.
8. The mobile terminal cross-platform payment system of claim 7, wherein the payment data comprises a payment platform mapping address and an order payment parameter, and the backend is configured with a mapping relationship between a payment platform type and the payment platform mapping address and order information;
and when the transfer site receives a payment request sent by the mobile terminal, acquiring a corresponding payment platform mapping address from a back end according to the payment platform type in the payment request, and acquiring a corresponding order payment parameter from the back end according to an order inquiry parameter in the payment request.
9. A mobile terminal cross-platform payment device, comprising:
a processor;
a memory having stored therein executable instructions of the processor;
wherein the processor is configured to perform the steps of the mobile terminal cross-platform payment method of any one of claims 1 to 6 via execution of the executable instructions.
10. A computer readable storage medium storing a program, wherein the program when executed implements the steps of the mobile terminal cross-platform payment method of any one of claims 1 to 6.
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| CN113435880A (en) * | 2021-07-12 | 2021-09-24 | 支付宝(杭州)信息技术有限公司 | Payment page sending method, device, equipment and medium based on aggregation code |
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Application publication date: 20200717 |