CN112561502A - Jmatrix general third-party payment processing system and method - Google Patents
Jmatrix general third-party payment processing system and method Download PDFInfo
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- CN112561502A CN112561502A CN202011440354.XA CN202011440354A CN112561502A CN 112561502 A CN112561502 A CN 112561502A CN 202011440354 A CN202011440354 A CN 202011440354A CN 112561502 A CN112561502 A CN 112561502A
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- 238000012545 processing Methods 0.000 title claims abstract description 79
- 238000000034 method Methods 0.000 title claims description 11
- 238000001514 detection method Methods 0.000 claims abstract description 38
- 238000012795 verification Methods 0.000 claims abstract description 24
- 238000007726 management method Methods 0.000 claims description 6
- 238000003672 processing method Methods 0.000 claims description 5
- 238000000605 extraction Methods 0.000 claims description 4
- 230000005540 biological transmission Effects 0.000 claims description 3
- 238000012790 confirmation Methods 0.000 claims description 3
- 238000004148 unit process Methods 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
Abstract
The invention belongs to the technical field of payment processing systems, and particularly relates to a Jmatrix general third-party payment processing system which comprises a payment processing unit, a front-end service unit, a payment selection unit, a sharing unit, a pre-storage unit, a front-end detection module and a display unit, wherein the payment processing unit receives verification data of client identity information shared by a company end through the sharing unit, the company end outputs and closes shared information through the front-end service unit, and the payment processing unit is correspondingly provided with the payment selection unit. And potential safety hazards exist.
Description
Technical Field
The invention belongs to the technical field of payment processing systems, and particularly relates to a Jmatrix general third-party payment processing system and method.
Background
The third-party payment is an independent mechanism with certain strength and credit guarantee, and is in a network payment mode of facilitating both transaction parties to carry out transaction through the butt joint with the UnionPay or the Internet, in the third-party payment mode, after a buyer purchases commodities, the buyer uses an account provided by a third-party platform to carry out payment (payment to the third party), and the third party informs a seller of payment and delivery requirements; the buyer receives the goods, checks the goods and informs a third party of payment after confirmation; the third party then transfers the money to the seller's account.
When the existing third-party payment processing system is used, a leak of a front-end verification part often occurs in the detection process of the front end, so that the condition that verification information is stolen to distribute payment information is caused, and great potential safety hazards are caused.
Disclosure of Invention
The invention aims to provide a Jmatrix general third party payment processing system and a Jmatrix general third party payment processing method, so as to solve the problems that when the existing third party payment processing system provided in the background art is used, the payment condition is single, and the system often has payment loopholes.
In order to achieve the purpose, the invention adopts the following technical scheme: the Jmatrix general third-party payment processing system comprises a payment processing unit, a front-end service unit, a selective payment unit, a sharing unit, a pre-storage unit, a front-end detection module and a display unit, wherein the payment processing unit receives verification data of identity information of a company end sharing client end through the sharing unit, the company end carries out output and closing setting of the sharing information through the front-end service unit, the selective payment unit is correspondingly arranged on the payment processing unit, the selective payment unit can receive a closing threshold setting payment channel instruction preset by the company end and at least reserves one payment channel, after the company end receives the collection information sent by the payment processing unit, collection money is stored in the pre-storage unit and is directly extracted after verification by the company end, and the front end of the payment processing unit is provided with the display unit used by the client end, and after the display unit receives the touch screen instruction, the identity detection is carried out on the received signal through the front end detection module, after the detection is completed, the payment information is confirmed through the payment processing unit, and after the confirmation is completed, the payment information is fed back through the display unit.
Furthermore, the payment processing unit converts and uses the transmission signal through the Jmatrix signal processing unit, and the front-end service unit is used for setting payment conditions and converting data of other platforms.
Furthermore, the selective payment unit is provided with a payment treasure payment unit, a WeChat payment unit, a staged payment unit, a bank card payment unit and a third party payment substitute unit, the company end can select the appointed payment mode through the selective payment unit, at least more than one payment mode corresponding to the selected payment mode exists, the client data shared in the sharing unit comprises client login identity information, login account information and payment fingerprint information, when the client uses the payment processing unit to carry out information payment, the using information of the client is compared with the payment information of the third party payment platform, fingerprint verification is carried out, the payment information allows other ports to carry out payment through the payment platform, and other ports comprise the payment substitute party identity information verification, the payment substitute party fingerprint information verification and the payment substitute party payment password verification.
Furthermore, the pre-storage unit is used for individually pre-storing payment for the client, the company end can set a closing instruction to the payment processing unit, the company end needs to detect the extracted password management unit after accessing the corresponding pre-storage unit, the company end can freely control the pre-stored amount of money under the same account number stored in the storage unit after the extracted password management unit detects the closing instruction, the related company end collection account is associated after the closing instruction is selected, the payment processing system determines the payment instruction information through the front end detection module when receiving the payment instruction information from the client, the payment processing system refutes the payment flow when the front end detection module information is not checked successfully, the payment processing unit processes the response parameter after the front end detection module information is checked, and returns the processing result to the client, the client completes payment according to the processing result and displays the payment result through the display unit.
Further, the company side and the payment processing system share verification information of the client side, and the company side presets detection conditions of the front-end detection module corresponding to the company side account.
Compared with the prior art, the invention has the beneficial effects that:
1. when the Jmatrix general third-party payment processing system is used, the intuitive setting of the on-line payment collection option is realized by using the setting of the selected payment unit, and meanwhile, the detection contrast time of the front-end detection module is greatly reduced by using the sharing unit designed and installed in the payment processing system, so that the situations that the traditional receiving type detection mode consumes a long time and has potential safety hazards are avoided.
2. Through corresponding the unit of prestoring that sets up on payment processing system, realized the pluralism setting of the part of collecting the expense, avoided when collecting payment, inconvenient condition at the third payment end inquiry show has increased the functionality of device.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention.
FIG. 1 is a schematic diagram of the flow structure of the present invention;
FIG. 2 is a schematic diagram of the payment processing system of the present invention;
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments.
In the description of the present invention, it is to be understood that the terms "upper", "lower", "front", "rear", "left", "right", "top", "bottom", "inner", "outer", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, are merely for convenience in describing the present invention and simplifying the description, and do not indicate or imply that the device or element being referred to must have a particular orientation, be constructed and operated in a particular orientation, and thus, should not be construed as limiting the present invention.
Referring to fig. 1 and 2, the present invention provides a technical solution: wherein the payment processing unit receives verification data of a company end sharing client identity information through the sharing unit, the company end carries out output and closing setting of the shared information through the front-end service unit, the payment processing unit is correspondingly provided with a selective payment unit which can receive a closing threshold payment channel instruction preset by the company end and at least reserve one payment channel, after the company end receives collection information sent by the payment processing unit, collection money is stored in the pre-storage unit and is directly extracted after the company end verification, the front end of the payment processing unit is provided with a display unit used by the client, after the display unit receives a touch screen instruction, the front-end detection module carries out identity detection on a received signal, and after the detection is finished, the payment processing unit confirms the payment information, after the payment is confirmed, the payment information is fed back through the display unit, and the payment processing unit, the front-end service unit, the selective payment unit, the sharing unit, the pre-storage unit, the front-end detection module and the display unit are all electrically connected in the payment processing system.
The working principle and the using process of the invention are as follows: when the payment processing system receives the payment instruction information from the client, the payment processing system determines the payment instruction information through the front-end detection module, when the information check of the front-end detection side module is unsuccessful, the payment process is rejected, after the information check of the front-end detection module is completed, the payment processing unit processes the response parameters, and returns the processing result to the client, the client completes payment according to the processing result and displays the payment result through the display unit, the company end and the payment processing system share the verification information of the client, the detection conditions of the company end for the front end detection module corresponding to the company end account are preset, a first parent payment channel needs to be established in a staged payment mode used by the client, and then a first basic configuration, a sub payment mode and a first order configuration are established in the first parent payment channel; the sub-payment mode is bound with a first parent-level payment channel; the non-stage payment module is used for creating a second parent payment channel, then creating a second basic configuration and a second order configuration under the second parent payment channel, and after the first basic configuration, the sub-payment mode and the first order configuration under the first parent payment channel set up on the payment processing system, further creating a sub-stage payment channel under the sub-payment mode, and then creating a third basic configuration, a stage configuration and a third order configuration under the sub-stage payment channel.
According to the working process, the following steps are known: when the Jmatrix general third-party payment processing system is used, the intuitive setting of the on-line payment collection option is realized by using the setting of the selected payment unit, and meanwhile, the detection contrast time of the front-end detection module is greatly reduced by using the sharing unit designed and installed in the payment processing system, so that the situations that the traditional receiving type detection mode consumes a long time and has potential safety hazards are avoided.
In the embodiment, further, the payment processing unit converts and uses the transmission signal through the Jmatrix signal processing unit, the front-end service unit is used for setting payment conditions and data conversion for other platforms, the payment selection unit is provided with payment treasure payment, WeChat payment, installment payment, bank card payment and third-party payment, the company end can select a designated payment mode through the payment selection unit, at least one of the payment modes is provided corresponding to the selected payment mode, the client data shared in the sharing unit comprises client login identity information, login account information and payment fingerprint information, when the client uses the payment processing unit to pay information, the use information of the client is compared with the payment information of the third-party payment platform and fingerprint verification is carried out, and the payment information allows other ports to pay through the payment platform, other ports include the verification of identity information of the payer, the verification of fingerprint information of the payer and the verification of a payment password of the payer, and the diversified setting of the part for collecting the fees is realized through the pre-storage unit correspondingly arranged on the payment processing system, so that the condition that the third payment terminal is inconvenient to inquire and display when the payment is collected is avoided, and the functionality of the device is increased.
The pre-storage unit is used for individually pre-storing payment of the client, the company end can set a closing instruction for the payment processing unit, detection of the password extraction management unit is required after the company end accesses the corresponding pre-storage unit, the company end can freely control pre-stored amount under the same account number stored in the storage unit after detection of the password extraction management unit is completed, and related company end collection accounts are associated after the closing instruction is selected.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.
Claims (10)
1. A Jmatrix universal third party payment processing system, characterized by: the payment processing unit receives verification data of a company end sharing client identity information through the sharing unit, the company end carries out output and closing setting of the sharing information through the front end service unit, the payment processing unit is correspondingly provided with a selective payment unit, the selective payment unit can receive a closing threshold payment channel determining instruction preset by the company end and at least reserves one payment channel, after the company end receives payment information sent by the payment processing unit, a payment item is stored in the pre-storage unit and is directly extracted after verification of the company end, the front end of the payment processing unit is provided with a touch screen unit used by the client, and after the display unit receives the instruction, the front end detection module carries out identity detection on a received signal, and after the detection is finished, the payment information is confirmed through the payment processing unit, and after the confirmation is finished, the payment information is fed back through the display unit.
2. The Jmatrix universal third party payment processing system according to claim 1, wherein: and the payment processing unit converts and uses the transmission signal through a Jmatrix signal processing unit.
3. The Jmatrix universal third party payment processing system according to claim 1, wherein: and the front-end service unit is used for setting payment conditions and converting data of other platforms.
4. The Jmatrix universal third party payment processing system according to claim 1, wherein: the selective payment unit is provided with payment treasure payment, WeChat payment, installments payment, bank card payment and third party surcharge payment, and the company end can select the appointed payment mode through the selective payment unit, and the corresponding selected payment mode at least has more than one of the payment modes.
5. The Jmatrix universal third party payment processing system according to claim 1, wherein: the client data shared in the sharing unit comprises client login identity information, login account information and payment fingerprint information, when the client uses the payment processing unit to carry out information payment, the using information of the client is compared with the payment information of the third-party payment platform, fingerprint verification is carried out, the payment information allows other ports to carry out payment through the payment platform, and the other ports comprise identity information verification of the payer, fingerprint information verification of the payer and payment password verification of the payer.
6. The Jmatrix universal third party payment processing system and method of claim 1, wherein: the pre-storage unit is used for individually pre-storing payment of the client, the company end can set a closing instruction for the payment processing unit, detection of the password extraction management unit is required after the company end accesses the corresponding pre-storage unit, the company end can freely control pre-stored amount under the same account number stored in the storage unit after the password extraction management unit completes detection, and related company end collection accounts are associated after the closing instruction is selected.
7. A Jmatrix general third party payment processing method is characterized in that: the payment processing system comprises a client, a company end and a payment processing system, when the payment processing system described in any one of claims 1 to 6 receives payment instruction information from the client, the payment processing system determines the payment instruction information through a front-end detection module, when the front-end detection module information is not successfully checked, the payment processing system refutes the payment flow, after the front-end detection module information is checked, a payment processing unit processes response parameters and returns a processing result to the client, the client completes payment according to the processing result, and the payment result is displayed through a display unit.
8. The Jmatrix universal third party payment processing method according to claim 7, wherein: the company end and the payment processing system share verification information of the client, and the company end presets detection conditions of the front-end detection module corresponding to the company end account.
9. The Jmatrix universal third party payment processing method according to claim 7, wherein: the staged payment method used by the client needs to create a first parent payment channel, and then create a first basic configuration, a sub-payment method and a first order configuration under the first parent payment channel; wherein the sub-payment means is bound to the first parent payment channel; the non-staging payment module is used for creating a second parent payment channel and then creating a second basic configuration and a second order configuration under the second parent payment channel.
10. The Jmatrix universal third party payment processing method according to claim 9, wherein: after the first basic configuration, the sub payment mode and the first order configuration are carried out under a first parent payment channel set up on the payment processing system, the method also comprises the steps of establishing a sub payment channel under the sub payment mode, and then establishing a third basic configuration, a staging configuration and a third order configuration under the sub payment channel.
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