CN111815312A - Payment method and device and payee server - Google Patents
Payment method and device and payee server Download PDFInfo
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- CN111815312A CN111815312A CN202010591127.0A CN202010591127A CN111815312A CN 111815312 A CN111815312 A CN 111815312A CN 202010591127 A CN202010591127 A CN 202010591127A CN 111815312 A CN111815312 A CN 111815312A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
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Abstract
The application provides a payment method, a payment device and a payee server, wherein the method comprises the following steps: the ATM receives a payment instruction sent by a payer based on target order information, generates a payment request according to the payment instruction, and sends the payment request to the bank server, wherein the target order information comprises an order number and an order amount, the payment information comprises remark information and a payment amount, and the remark information is associated with the order number; the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to a payment processing result, wherein the offline payment information comprises remark information and payment amount; the bank server sends the offline payment information to the payee server; and the payee server matches the offline payment information with the target order information and determines whether the payer successfully pays the order corresponding to the target order information according to a matching result. The payment method can better protect the privacy of the payer and avoid the information leakage of the payer.
Description
Technical Field
The present application relates to the field of electronic commerce technologies, and in particular, to a payment method, a payment apparatus, and a payee server.
Background
In the process of e-commerce development, there is a contradiction between security and convenience in online payment. For example, private paternity test (privacy paternity test), consumer gene test, aids detection, e.g., adult product purchase, or anonymous donation, etc., the payer does not want the payee to know the true identity of the payer, and the online payment method easily reveals personal privacy information.
Therefore, there is a need for a payment method that allows a payer to enjoy the convenience of the internet while well protecting the privacy of the payer.
Disclosure of Invention
The embodiment of the application provides a payment method and device capable of hiding the real identity of a payer in the field of electronic commerce and a payee server, so that the privacy of the payer is better protected.
The embodiment of the application provides a payment method, which comprises the following steps: the ATM receives a payment instruction sent by a payer based on target order information, generates a payment request according to the payment instruction, and sends the payment request to the bank server, wherein the target order information comprises an order number and an order amount, and the payment information comprises remark information and a payment amount, wherein the remark information is associated with the order number; the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to a payment processing result, wherein the offline payment information comprises remark information and payment amount; the bank server sends the offline payment information to the payee server; and the payee server matches the offline payment information with the target order information and determines whether the payer successfully pays the order corresponding to the target order information according to a matching result.
The embodiment of the application also provides a payment method, which comprises the following steps: the payer equipment receives and responds to a ordering instruction of the payer, generates an ordering request and sends the ordering request to the payee server; the method comprises the steps that a payee server receives an order placing request and generates order information with an order state of unpaid according to the order placing request, wherein the order information comprises an order number and an order amount; the payer equipment receives the order information fed back by the payee server and displays the order information to the payer; the ATM receives a payment instruction sent by a payer based on order information, generates a payment request according to the payment instruction, and sends the payment request to the bank server, wherein the payment request comprises remark information and payment amount, and the remark information is associated with the order number; the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to a payment processing result, wherein the offline payment information comprises remark information and payment amount; the bank server sends the offline payment information to the payee server; and the payee server matches the offline payment information with the order information and determines whether the payer successfully pays the order corresponding to the order information according to a matching result.
The embodiment of the application also provides a payment method for the gene detection service, which comprises the following steps: the payer equipment receives and responds to an order placing instruction of the payer, generates an order placing request and sends the order placing request to the payee server to request gene detection service; the payee server receives the order placing request and generates order information with an order state of unpaid according to the order placing request, wherein the order information comprises genetic detection item information, an order number and order amount selected by the payer, and the genetic detection item information comprises at least one of the following information: gene screening, reproductive gene detection, diagnostic detection, gene carrying detection and detection before symptoms appear; the payer equipment receives the order information fed back by the payee server and displays the order information to the payer; the ATM receives a payment instruction sent by a payer based on order information, generates a payment request according to the payment instruction, and sends the payment request to the bank server, wherein the payment request comprises remark information and payment amount, and the remark information is associated with the order number; the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to a payment processing result, wherein the offline payment information comprises remark information and payment amount; the bank server sends the offline payment information to the payee server; and the payee server matches the offline payment information with the order information and determines whether the payer successfully pays the order corresponding to the order information according to a matching result.
The embodiment of the application also provides a payment method, which comprises the following steps: receiving an order placing request sent by payer equipment, wherein the order placing request is generated by the payer equipment in response to an order placing instruction sent by a payer; according to the order placing request, generating order information with an order state of unpaid, wherein the order information comprises an order number and an order amount; sending the order information to the payer equipment, so that the payer equipment displays the order information to the payer; receiving offline payment information sent by a bank server, wherein the offline payment information is generated by the bank server according to a received payment request sent by an ATM, and the payment request is generated by the ATM in response to a received payment instruction sent by a payer based on order information, wherein the offline payment information comprises remark information and payment amount, and the remark information is associated with an order number; and matching the offline payment information with the order information, and determining whether the payer successfully pays the order corresponding to the order information according to the matching result.
The embodiment of the application further provides an e-commerce server, which comprises a processor and a memory for storing executable instructions of the processor, wherein the processor executes the instructions to realize the steps of the payment method in any embodiment.
Embodiments of the present application also provide a computer-readable storage medium having stored thereon computer instructions, which when executed, implement the steps of the payment method described in any of the above embodiments.
In the embodiment of the application, a payment method is provided, an ATM receives a payment instruction sent by a payer based on target order information, generates a payment request according to the payment instruction, and sends the payment request to a bank server, wherein the target order information comprises an order number and an order amount, the payment information comprises remark information and a payment amount, and the remark information is associated with the order number; the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to a payment processing result, wherein the offline payment information comprises remark information and payment amount; the bank server sends the offline payment information to the payee server; and the payee server matches the offline payment information with the target order information and determines whether the payer successfully pays the order corresponding to the target order information according to a matching result. According to the scheme, a payer can go to the ATM to pay off-line according to target order information, and notes information related to an order number at the ATM, after payment is successful through the ATM, the bank server generates off-line payment information comprising the note information and payment amount input by the payer, and sends the off-line payment information to the payee server, and the payee server determines whether the payer pays successfully by matching the off-line payment information with the target order information, so that on-line ordering and off-line payment are realized.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application, are incorporated in and constitute a part of this application, and are not intended to limit the application. In the drawings:
FIG. 1 is a diagram illustrating an application scenario of a payment method in an embodiment of the present application;
FIG. 2 illustrates a flow chart of a payment method in an embodiment of the present application;
FIG. 3 is a flow chart illustrating a payment method of the genetic testing service in one embodiment of the present application;
FIG. 4 illustrates a flow chart of a payment method in an embodiment of the present application;
FIG. 5 illustrates a flow chart of a payment method in an embodiment of the present application;
FIG. 6 shows a schematic view of a payment device in an embodiment of the present application;
fig. 7 shows a schematic diagram of a payee server in an embodiment of the application.
Detailed Description
The principles and spirit of the present application will be described with reference to a number of exemplary embodiments. It should be understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the present application, and are not intended to limit the scope of the present application in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
The embodiment of the application provides a payment method. Fig. 1 is a schematic diagram showing an application scenario of the payment method in the embodiment of the present application. Fig. 1 shows a payment system. The payment system comprises: payer device, ATM (Automatic Teller Machine), payee server, and bank server. Wherein the payer may be a user. The payee server may be a merchant server and may provide goods or services to the user. The payer device may be a desktop computer, a notebook, a mobile phone terminal, a PDA, etc., as long as the payer device can display content and receive operation instructions, and the present of the payer device is not limited in the present application. The bank server or the payee server may be a single server, a server cluster, or a cloud server, and the specific composition forms the present application without limitation. The bank server is used to process various transaction requests including, but not limited to, transfers, refunds, deposits, and the like.
The payer may make an order on the payer device, software or a WAP mall. And the payer equipment receives an order placing instruction sent by the payer, generates an order placing request according to the order placing instruction, and sends the generated order placing request to the payee server. The payee server receives the order placing request and generates order information according to the order placing request. The order information comprises an order number and an order amount. The order number and the order are in one-to-one correspondence. And the payer equipment receives the order information returned by the payee server and displays the order information to the payer. The ATM receives the payment instruction sent by the payer, generates a payment request according to the payment instruction, and sends the payment request to the bank server. And the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to a payment processing result. And the bank server pushes the offline payment information to the payee server. And the payee server receives the offline payment information, matches the offline payment information with the order information, and determines whether the payer successfully pays the order corresponding to the order information according to a matching result.
FIG. 2 shows a flow chart of a payment method in an embodiment of the present application. Although the present application provides method operational steps or apparatus configurations as illustrated in the following examples or figures, more or fewer operational steps or modular units may be included in the methods or apparatus based on conventional or non-inventive efforts. In the case of steps or structures which do not logically have the necessary cause and effect relationship, the execution sequence of the steps or the module structure of the apparatus is not limited to the execution sequence or the module structure described in the embodiments and shown in the drawings of the present application. When the described method or module structure is applied in an actual device or end product, the method or module structure according to the embodiments or shown in the drawings can be executed sequentially or executed in parallel (for example, in a parallel processor or multi-thread processing environment, or even in a distributed processing environment).
Specifically, as shown in fig. 2, a payment method provided by an embodiment of the present application may include the following steps:
step S201, the payer device receives and responds to the order placing instruction of the payer, generates an order placing request, and sends the order placing request to the payee server.
Specifically, the payer may select from software installed on the payer device or an online mall and issue a purchase order. After the payer equipment receives the ordering instruction of the payer, the ordering request is generated in response to the ordering instruction. The payer device sends a request to place an order to the payee server.
Step S202, the payee server receives the order placing request and generates order information with an order state of unpaid according to the order placing request, wherein the order information comprises an order number and an order amount.
In other embodiments, order status or information related to the order may also be included in the order information. And the payee server feeds the generated order information back to the payer equipment.
Step S203, the payer device receives the order information fed back by the payee server, and displays the order information to the payer.
And step S204, the ATM receives a payment instruction sent by the payment based on the order information, generates a payment request according to the payment instruction, and sends the payment request to the bank server, wherein the payment request comprises the remark information and the payment amount. Wherein the remark information is associated with the order number. For example, the remark information may be an order number or may be a part of the order number, which is not limited in this application. Payee information may also be included in the payment request.
Step S205, the bank server receives the payment request, processes the payment according to the payment request, and generates corresponding offline payment information according to the payment processing result, wherein the offline payment information includes remark information and payment amount.
And step S206, the bank server sends the offline payment information to the payee server.
Step S207, the payee server matches the offline payment information with the order information, and determines whether the payer successfully pays the order corresponding to the order information according to the matching result.
According to the scheme, after a payer places an order, the payee server generates order information and returns the order information to the payer equipment, so that the payer can go to the ATM to perform offline payment according to the order information, after a payment request is initiated through the ATM, the bank server generates offline payment information comprising remark information and payment amount input by the payer, and sends the offline payment information to the payee server, the payee server matches the offline payment information with unpaid order information to determine whether the payer successfully pays an order corresponding to the order information, so that online ordering and offline payment are realized, compared with counter, POS machine and online payment, privacy of the payer can be better protected through ATM payment, and information leakage of the payer is avoided. For example, a general merchant may be equipped with a POS, and if a payment is made using the POS, a merchant staff may be informed of key information such as an order number, which may easily cause information leakage. In addition, if online payment such as a pay bank is used, the order information of the payer is easily leaked due to theft of the pay bank and the like.
The present application further provides a payment method for gene testing services, as shown in fig. 3, the payment method for gene testing services provided in an embodiment of the present application may include the following steps:
step S301, the payer equipment receives and responds to the order placing instruction of the payer, generates an order placing request, and sends the order placing request to the payee server to request the gene detection service.
Specifically, the payer can select the gene detection service to be purchased by software installed on the payer device or an online mall, and issue a ordering instruction. After the payer equipment receives the ordering instruction of the payer, the ordering request is generated in response to the ordering instruction. The order placing request can include information of the payer and information of gene detection items selected by the payer. The payer device sends a request to place an order to the payee server.
Step S302, the payee server receives the order placing request and generates order information with an order state of unpaid according to the order placing request.
The payee server receives a request for placing an order sent by the payer device. And then, generating order information with an order state of unpaid according to the order placing request. The order information comprises the genetic testing item information, the order number and the order amount selected by the payer. Wherein the genetic testing item information comprises at least one of the following: gene screening, reproductive gene detection, diagnostic detection, gene carrying detection and detection before symptoms appear. In other embodiments, the order status may also be included in the order information. And the payee server feeds the generated order information back to the payer equipment.
Step S303, the payer device receives the order information fed back by the payee server, and displays the order information to the payer.
And step S304, the ATM receives a payment instruction sent by the payer based on the order information, generates a payment request according to the payment instruction, and sends the payment request to the bank server.
And the payer equipment receives the order information fed back by the payee server and displays the order information to the payer. The payer may proceed to the ATM for payment based on the order information. The ATM receives a payment instruction sent by the payer based on the order information, and generates a payment request according to the payment instruction. The ATM sends the generated payment request to the bank server. The payment request comprises remark information and payment amount input by the payer. Wherein the remark information is associated with the order number. For example, the remark information may be an order number or may be a part of the order number, which is not limited in this application. Payee information may also be included in the payment request.
Step S305, the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to the payment processing result.
Specifically, after receiving the payment request, the bank server may perform payment processing according to the payee information in the payment request. And then, generating corresponding offline payment information according to the payment processing result. The offline payment information may include remark information and payment amount. Wherein the remark information is associated with the order number. For example, the remark information may be an order number or may be a part of the order number, which is not limited in this application.
And step S306, the bank server sends the offline payment information to the payee server.
Step S307, the payee server matches the offline payment information with the order information, and determines whether the payer successfully pays the order corresponding to the order information according to the matching result.
The bank server may send the offline payment information to the payee server. The payee server can extract the remark information and the payment amount from the offline payment information. The payee server may also obtain information on all outstanding orders that have been generated. And then, the payee server matches the unpaid order information with the offline payment information one by one, and determines whether the payer successfully pays the order corresponding to the order information according to the matching result.
According to the scheme, after the payer places the order gene detection item, the payee server generates order information and returns the order information to the payer equipment, so that the payer can go to the ATM to perform offline payment according to the order information, after a payment request is initiated through the ATM, the bank server generates offline payment information including remark information and payment amount input by the payer, and sends the offline payment information to the payee server, the payee server matches the offline payment information with unpaid order information to determine whether the payer successfully pays the order corresponding to the order information, so that online ordering and offline payment are realized.
The present application further provides a payment method, as shown in fig. 4, an embodiment of the present application provides a payment method that may include the following steps:
step S401, receiving an order placing request sent by the payer equipment, wherein the order placing request is generated by the payer equipment in response to an order placing instruction sent by the payer.
Specifically, the payer can select the goods to be purchased by software installed on the payer device or an online shopping mall, and issue a purchase order. After the payer equipment receives the ordering instruction of the payer, the ordering request is generated in response to the ordering instruction. The order placing request can include information of the payer and information of commodities selected by the payer. The payer device sends a request to place an order to the payee server. The payee server receives a request for placing an order sent by the payer device.
Step S402, according to the order placing request, order information with order state of unpaid is generated.
And the payee server generates order information with an order state of unpaid according to the order placing request. The order information comprises an order number and an order amount. In other embodiments, the order status may also be included in the order information.
Step S403, sending the order information to the payer device, so that the payer device displays the order information to the payer.
Specifically, the payee server feeds back the generated order information to the payer device. And the payer equipment receives the order information fed back by the payee server and displays the order information to the payer. The payer may proceed to the ATM for payment based on the order information.
And S404, receiving offline payment information sent by the bank server, wherein the offline payment information is generated by the bank server according to a received payment request sent by the ATM, and the payment request is generated by the ATM in response to a received payment instruction sent by the payer based on the order information.
Specifically, the ATM receives a payment instruction issued by the payer based on the order information, and generates a payment request according to the payment instruction. The ATM sends the generated payment request to the bank server. The payment request comprises remark information and payment amount input by the payer. Wherein the remark information is associated with the order number. For example, the remark information may be an order number in the order information or may be a part of the order number. Payee information may also be included in the payment request. After receiving the payment request, the bank server can perform payment processing according to the payee information in the payment request. And then, the bank server generates corresponding offline payment information according to the payment processing result. The offline payment information may include remark information and payment amount. The bank server may have previously completed interfacing with the payee server. In this way, the bank server may send offline payment information to the payee server. And the payee server receives the offline payment information sent by the bank server.
Step S405, the offline payment information is matched with the order information, and whether the payer successfully pays the order corresponding to the order information is determined according to the matching result.
The payee server can extract the remark information and the payment amount from the offline payment information. The payee server may also obtain information on all outstanding orders that have been generated. And then, the payee server matches the unpaid order information with the offline payment information one by one, and determines whether the payer successfully pays the order corresponding to the order information according to the matching result.
According to the scheme, after a payer places an order, the payee server generates order information and returns the order information to the payer equipment, so that the payer can go to the ATM to perform offline payment according to the order information, after a payment request is initiated through the ATM, the bank server generates offline payment information comprising remark information and payment amount input by the payer, and sends the offline payment information to the payee server, the payee server matches the offline payment information with unpaid order information to determine whether the payer successfully pays an order corresponding to the order information, so that online ordering and offline payment are realized, compared with counter, POS machine and online payment, privacy of the payer can be better protected through ATM payment, and information leakage of the payer is avoided. For example, a general merchant may be equipped with a POS, and if a payment is made using the POS, a merchant staff may be informed of key information such as an order number, which may easily cause information leakage. In addition, if online payment such as a pay bank is used, the order information of the payer is easily leaked due to theft of the pay bank and the like.
The present application further provides a payment method, as shown in fig. 5, an embodiment of the present application provides a payment method that may include the following steps:
and step S501, the ATM receives a payment instruction sent by the payer based on the target order information, generates a payment request according to the payment instruction, and sends the payment request to the bank server.
Specifically, the target order information may be order information paid by the payer. The payer can obtain the target order information from various payer equipment such as a mobile phone, a computer and the like. The target order information may include, among other things, an order number and an order amount. The payer may proceed to the ATM for payment based on the target order information. The ATM receives a payment instruction sent by the payer based on the target order information, and generates a payment request according to the payment instruction. The ATM sends the generated payment request to the bank server. The payment request comprises remark information and payment amount input by the payer. Wherein the remark information is associated with the order number. For example, the remark information may be an order number or may be a part of the order number, which is not limited in this application.
Step S502, the bank server receives the payment request, processes the payment according to the payment request, and generates corresponding offline payment information according to the payment processing result.
Specifically, after receiving the payment request, the bank server may perform payment processing according to the payee information in the payment request. And then, generating corresponding offline payment information according to the payment processing result. The offline payment information may include remark information and payment amount.
In step S503, the bank server sends the offline payment information to the payee server.
Step S504, the payee server matches the offline payment information with the target order information, and determines whether the payer successfully pays the order corresponding to the target order information according to the matching result.
According to the scheme, a payer can go to the ATM to perform offline payment according to target order information to be paid, after a payment request is initiated through the ATM, the bank server generates offline payment information comprising remark information and payment amount input by the payer, and sends the offline payment information to the payee server, and the payee server determines whether the payer successfully pays an order corresponding to the order information by matching the offline payment information with unpaid order information, so that offline payment is realized.
In some embodiments of the present application, matching the offline payment information with the order information, and determining whether the payer successfully pays the order corresponding to the order information according to the matching result may include: matching the offline payment information with the order information of which the order state is unpaid; and under the condition of successful matching, determining that the payer successfully pays the order corresponding to the order information, and modifying the state of the order information from unpaid to paid or to-be-delivered. And under the condition of failure in matching, generating a refund request, and sending the refund request to the bank server so as to enable the bank server to carry out refund processing.
Specifically, the payee server matches the offline payment information with the order information. And under the condition of successful matching, determining that the payer successfully pays the order corresponding to the order information, and modifying the state of the order information from unpaid to paid or to-be-delivered and the like. The payee server may feed back the updated order information to the payer device to inform the payer of the latest status information of the order. In the event of a failure to match, the payee server generates a refund request. And the payee server sends the generated refund request to the bank server. The bank server performs a refund process in response to the refund request. The bank server can also generate refund information and send the refund information to the payer equipment so as to inform the payer of payment failure and timely process the payment failure. By the above mode, whether the payer pays successfully or not can be determined according to the matching result, and the payer is informed in time, so that the user experience of the payer is improved.
In some embodiments of the present application, matching the offline payment information with the order status of unpaid may include: determining whether the remark information is the same as the order number; under the condition that the remark information is determined to be the same as the order number, obtaining the order amount corresponding to the order number; determining whether the payment amount is equal to the order amount; and under the condition that the payment amount is equal to the order amount, determining that the off-line payment information is successfully matched with the order information corresponding to the order number.
Specifically, the payee server acquires all generated order information with unpaid order states, and matches the order information with the unpaid order information with offline payment information one by one. It may be determined first whether the order number in the order information is the same as the remark information in the offline payment information. After the order information with the order number identical to the remark information is found, the order amount corresponding to the order number in the order information is obtained. It is determined whether the order amount and the payment amount are equal. And under the condition that the order amount is determined to be equal to the payment amount, determining that the off-line payment information is successfully matched with the order information. And in the case that the order information with the order number identical to the remark information cannot be found or the order amount is not equal to the payment amount, determining that the matching is failed.
For example, when the payee server generates order information with an order state of unpaid, each time one piece of order information is generated, the order number and the order amount in the order information are written into a preset relation table. One order number corresponds to one order amount. In this way, after the offline payment information is acquired, the remark information is acquired from the offline payment information, and the preset relation table is acquired. And searching whether the order number identical to the remark information exists in a preset relation table. And under the condition that the order number identical to the remark information is found, obtaining the order amount corresponding to the order number from a preset relation table. And comparing the order amount with the payment amount in the offline payment information, and determining that the order payment corresponding to the order number is successful under the condition that the order amount and the payment amount are equal. And under the condition that the payment is determined to be successful, deleting the order number-order amount record from a preset relation table, and modifying the state of the order corresponding to the order number into the paid or to-be-delivered state.
In some embodiments of the present application, the order information may further include information on genetic testing items selected by the payer. In particular, the payment method can be applied to the field of gene detection. Since genes contain a large amount of information in the human body, the requirement for privacy protection is very strict. The order information can also comprise the information of the genetic testing items selected by the payer when placing the order. The genetic testing item information may include at least one of: gene screening, reproductive gene detection, diagnostic detection, gene carryover detection and detection before symptoms appear
In some embodiments of the present application, the genetic testing item information in the order information may be encrypted genetic testing item information. Specifically, in the process of generating the order information by the payee server, the genetic testing item information in the order information may be encrypted by using the key, and the order information including the encrypted genetic testing item information may be returned to the payer device. In this way, only the encrypted genetic testing item information is displayed on the payer device. Even if the account number of the payer is stolen, the gene detection item information of the payer cannot be revealed, and the privacy of the payer can be further protected.
Based on the same inventive concept, the embodiment of the present application further provides a payment device, as described in the following embodiments. Because the principle of the payment device for solving the problem is similar to that of the payment method, the implementation of the payment device can be referred to the implementation of the payment method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated. Fig. 6 is a block diagram showing a structure of a payment apparatus according to an embodiment of the present application, as shown in fig. 6, including: the first receiving module 601, the generating module 602, the sending module 603, the second receiving module 604, and the matching module 605 will be described below.
The first receiving module 601 is configured to receive an order placing request sent by a payer device, where the order placing request is generated by the payer device in response to an order placing instruction sent by a payer.
The generating module 602 is configured to generate order information with an order status of unpaid according to the order placing request, where the order information includes an order number and an order amount.
The sending module 603 is configured to send the order information to the payer device, so that the payer device displays the order information to the payer.
The second receiving module 604 is configured to receive offline payment information sent by the bank server, where the offline payment information is generated by the bank server according to a received payment request sent by the ATM, and the payment request is generated by the ATM in response to a received payment instruction sent by a payer based on order information, where the offline payment information includes remark information and a payment amount, and the remark information is associated with the order number.
The matching module 605 is configured to match the offline payment information with the order information, and determine whether the payer successfully pays the order corresponding to the order information according to a matching result.
From the above description, it can be seen that the embodiments of the present application achieve the following technical effects: according to the scheme, after a payer places an order, the payee server generates order information and returns the order information to the payer equipment, so that the payer can go to the ATM to perform offline payment according to the order information, after a payment request is initiated through the ATM, the bank server generates offline payment information comprising remark information and payment amount input by the payer, and sends the offline payment information to the payee server, the payee server matches the offline payment information with unpaid order information to determine whether the payer successfully pays an order corresponding to the order information, so that online ordering and offline payment are realized, compared with counter, POS machine and online payment, privacy of the payer can be better protected through ATM payment, and information leakage of the payer is avoided.
The implementation manner of the present application further provides a payee server, which may specifically refer to fig. 7, which is a schematic structural diagram of a payee server based on the payment method provided in the embodiment of the present application, where the payee server may specifically include an input device 71, a processor 72, and a memory 73. Wherein the memory 73 is configured to store processor-executable instructions. The processor 72, when executing the instructions, performs the steps of the payment method described in any of the embodiments above.
In this embodiment, the input device may be one of the main apparatuses for information exchange between a user and a computer system. The input device may include a keyboard, a mouse, a camera, a scanner, a light pen, a handwriting input board, a voice input device, etc.; the input device is used to input raw data and a program for processing the data into the computer. The input device can also acquire and receive data transmitted by other modules, units and devices. The processor may be implemented in any suitable way. For example, the processor may take the form of, for example, a microprocessor or processor and a computer-readable medium that stores computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, an embedded microcontroller, and so forth. The memory may in particular be a memory device used in modern information technology for storing information. The memory may include multiple levels, and in a digital system, the memory may be any memory as long as it can store binary data; in an integrated circuit, a circuit without a physical form and with a storage function is also called a memory, such as a RAM, a FIFO and the like; in the system, the storage device in physical form is also called a memory, such as a memory bank, a TF card and the like.
In this embodiment, the functions and effects of the payee server may be explained in comparison with other embodiments, and are not described herein again.
Also provided in an embodiment of the present application is a computer storage medium based on a payment method, the computer storage medium storing computer program instructions that, when executed, implement the steps of the payment method described in any of the above embodiments.
In the present embodiment, the storage medium includes, but is not limited to, a Random Access Memory (RAM), a Read-Only Memory (ROM), a Cache (Cache), a Hard disk (HDD), or a Memory Card (Memory Card). The memory may be used to store computer program instructions. The network communication unit may be an interface for performing network connection communication, which is set in accordance with a standard prescribed by a communication protocol.
In this embodiment, the functions and effects specifically realized by the program instructions stored in the computer storage medium can be explained by comparing with other embodiments, and are not described herein again.
It is to be understood that the above description is intended to be illustrative, and not restrictive. Many embodiments and many applications other than the examples provided will be apparent to those of skill in the art upon reading the above description. The scope of the application should, therefore, be determined not with reference to the above description, but instead should be determined with reference to the pending claims along with the full scope of equivalents to which such claims are entitled.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and it will be apparent to those skilled in the art that various modifications and variations can be made in the embodiment of the present application. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (10)
1. A payment method, comprising:
the ATM receives a payment instruction sent by a payer based on target order information, generates a payment request according to the payment instruction, and sends the payment request to a bank server, wherein the target order information comprises an order number and an order amount, the payment information comprises remark information and a payment amount, and the remark information is associated with the order number;
the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to a payment processing result, wherein the offline payment information comprises the remark information and the payment amount;
the bank server sends the offline payment information to a payee server;
and the payee server matches the offline payment information with the target order information and determines whether the payer successfully pays the order corresponding to the target order information according to a matching result.
2. A payment method, comprising:
the payer equipment receives and responds to a ordering instruction of the payer, generates an ordering request and sends the ordering request to the payee server;
the payee server receives the order placing request and generates order information with an order state of unpaid according to the order placing request, wherein the order information comprises an order number and an order amount;
the payer equipment receives the order information fed back by the payee server and displays the order information to a payer;
the ATM receives a payment instruction sent by a payer based on the order information, generates a payment request according to the payment instruction, and sends the payment request to a bank server, wherein the payment request comprises remark information and a payment amount, and the remark information is associated with the order number;
the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to a payment processing result, wherein the offline payment information comprises the remark information and the payment amount;
the bank server sends the offline payment information to the payee server;
and the payee server matches the offline payment information with the order information and determines whether the payer successfully pays the order corresponding to the order information according to a matching result.
3. A method of paying for genetic testing services, comprising:
the payer equipment receives and responds to an order placing instruction of the payer, generates an order placing request, and sends the order placing request to the payee server to request gene detection service;
the payee server receives the order placing request and generates order information with an order state of unpaid according to the order placing request, wherein the order information comprises genetic detection item information, an order number and an order amount selected by a payer, and the genetic detection item information comprises at least one of the following information: gene screening, reproductive gene detection, diagnostic detection, gene carrying detection and detection before symptoms appear;
the payer equipment receives the order information fed back by the payee server and displays the order information to a payer;
the ATM receives a payment instruction sent by a payer based on the order information, generates a payment request according to the payment instruction, and sends the payment request to a bank server, wherein the payment request comprises remark information and a payment amount, and the remark information is associated with the order number;
the bank server receives the payment request, performs payment processing according to the payment request, and generates corresponding offline payment information according to a payment processing result, wherein the offline payment information comprises the remark information and the payment amount;
the bank server sends the offline payment information to the payee server;
and the payee server matches the offline payment information with the order information and determines whether the payer successfully pays the order corresponding to the order information according to a matching result.
4. A payment method, comprising:
receiving an order placing request sent by a payer device, wherein the order placing request is generated by the payer device in response to an order placing instruction sent by a payer;
generating order information with an order state of unpaid according to the order placing request, wherein the order information comprises an order number and an order amount;
sending the order information to the payer equipment, so that the payer equipment displays the order information to the payer;
receiving offline payment information sent by a bank server, wherein the offline payment information is generated by the bank server according to a received payment request sent by an ATM, and the payment request is generated by the ATM in response to a received payment instruction sent by a payer based on the order information, wherein the offline payment information comprises remark information and a payment amount, and the remark information is associated with the order number;
and matching the offline payment information with the order information, and determining whether the payer successfully pays the order corresponding to the order information according to a matching result.
5. The method of claim 4, wherein matching the offline payment information with the order information and determining whether the payer successfully pays the order corresponding to the order information according to the matching result comprises:
matching the offline payment information with the order information of which the order state is unpaid;
under the condition of successful matching, determining that the payer successfully pays the order corresponding to the order information, and modifying the state of the order information from unpaid to paid or to-be-delivered;
and under the condition of failed matching, generating a refund request, and sending the refund request to the bank server so as to enable the bank server to carry out refund processing.
6. The method of claim 5, wherein matching the offline payment information with the order information that the order status is unpaid comprises:
determining whether the remark information is the same as the order number;
under the condition that the remark information is determined to be the same as the order number, obtaining the order amount corresponding to the order number;
determining whether the payment amount is equal to the order amount;
and under the condition that the payment amount is equal to the order amount, determining that the off-line payment information is successfully matched with the order information corresponding to the order number.
7. The method of claim 4, wherein the order information further comprises genetic test item information selected by the payer, the genetic test item information comprising at least one of: gene screening, reproductive gene detection, diagnostic detection, gene carrying detection and detection before symptoms appear.
8. The method according to claim 7, wherein the genetic testing item information in the order information is encrypted genetic testing item information.
9. A payment device, comprising:
the payment system comprises a first receiving module, a second receiving module and a payment module, wherein the first receiving module is used for receiving an order placing request sent by a payer device, and the order placing request is generated by the payer device in response to an order placing instruction sent by a payer;
the generating module is used for generating order information with an order state of unpaid according to the order placing request, wherein the order information comprises an order number and an order amount;
the sending module is used for sending the order information to the payer equipment so that the payer equipment displays the order information to the payer;
the second receiving module is used for receiving offline payment information sent by a bank server, wherein the offline payment information is generated by the bank server according to a received payment request sent by an ATM, the payment request is generated by the ATM in response to a received payment instruction sent by a payer based on the order information, the offline payment information comprises remark information and a payment amount, and the remark information is associated with the order number;
and the matching module is used for matching the offline payment information with the order information and determining whether the payer successfully pays the order corresponding to the order information according to a matching result.
10. A payee server comprising a processor and a memory for storing processor-executable instructions, the processor implementing the steps of the method of any one of claims 4 to 8 when executing the instructions.
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| CN202010591127.0A CN111815312A (en) | 2020-06-24 | 2020-06-24 | Payment method and device and payee server |
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