CN112700238A - Payment information processing method and device - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- 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
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- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
- G06K17/0022—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device
- G06K17/0025—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations arrangements or provisious for transferring data to distant stations, e.g. from a sensing device the arrangement consisting of a wireless interrogation device in combination with a device for optically marking the record carrier
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
- H04L63/0442—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0869—Network architectures or network communication protocols for network security for authentication of entities for achieving mutual authentication
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Abstract
The embodiment of the invention relates to a method and a device for processing payment information, wherein the method comprises the following steps: receiving a first two-dimensional code sent by a payee address; carrying out two-dimensional code analysis processing on the first two-dimensional code to generate a first payment information sequence; calling a payment processing interface to carry out payment processing according to the first payment information sequence; and the result data returned by the payment processing interface is subjected to data conversion processing to generate first encrypted account checking information; performing two-dimensional code conversion processing on the first encrypted account checking information, and sending back the result data of the conversion processing to the address of the payee; the embodiment of the invention ensures the safety and privacy of data transmission and improves the payment efficiency.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a payment information processing method and device.
Background
A two-dimensional bar code/two-dimensional code (2-dimensional bar code) is a pattern composed of alternate black and white blocks on a two-dimensional plane, and data information can be extracted from the two-dimensional code by identifying the pattern rule of the black and white blocks on the two-dimensional plane. In the personal payment field, a code scanning payment scene for transmitting payment information by using a two-dimensional code is common, but the scene is basically not similar to the scene in public transfer business. In the process of public payment, a payee is required to submit plaintext payment information every time, and financial staff of a payer manually inputs information such as an account and amount on a bank online banking platform to complete account transfer. This method relies too much on manual operation, and the execution efficiency is unstable, and also can't carry out privacy protection to payment information.
Disclosure of Invention
The invention aims to provide a payment information processing method, a device, electronic equipment, a computer program product and a computer readable storage medium aiming at the defects of the prior art, wherein a credible mechanism is established between a receiving party and a paying party, the payment information and the reconciliation information are encrypted and transmitted in a two-dimensional code mode, and the paying party automatically extracts the payment information from the two-dimensional code and sends the payment information to a payment processing interface to complete payment; therefore, the privacy protection of the payment information can be ensured by data transmission through the two-dimensional code; a mutual trust mechanism is established, so that privacy protection of the two-dimensional code data can be ensured; the manual operation link is avoided, and the payment efficiency is improved.
In order to achieve the above object, a first aspect of the embodiments of the present invention provides a method for processing payment information, where the method includes:
receiving a first two-dimensional code sent by a payee address;
performing two-dimensional code analysis processing on the first two-dimensional code to generate a first payment information sequence;
calling a payment processing interface to carry out payment processing according to the first payment information sequence;
performing data conversion processing on result data returned by the payment processing interface to generate first encrypted reconciliation information;
and performing two-dimensional code conversion processing on the first encrypted reconciliation information, and sending back the result data of the conversion processing to the payee address.
Preferably, the two-dimensional code analysis processing is performed on the first two-dimensional code to generate a first payment information sequence, which specifically includes:
extracting and processing two-dimensional code information of the first two-dimensional code to generate first encrypted payment information;
and carrying out encrypted information analysis processing on the first encrypted payment information to generate the first payment information sequence.
Further, the extracting and processing of the two-dimensional code information of the first two-dimensional code to generate first encrypted payment information specifically includes:
performing corresponding two-dimensional code image information extraction processing on the first two-dimensional code according to a preset two-dimensional code type to generate first two-dimensional code extraction information; extracting information from the first two-dimensional code to be used as the first encrypted payment information; the two-dimensional Code types at least comprise a quick response Code (QR Code) type, a data matrix Datamatrix type and a bull eye Code Maxicode type.
Preferably, the performing data conversion processing on the result data returned by the payment processing interface to generate first encrypted reconciliation information specifically includes:
performing reconciliation information extraction processing on result data returned by the payment processing interface to generate a first reconciliation information sequence;
and performing encrypted data assembly processing on the first reconciliation information sequence to generate the first encrypted reconciliation information.
A second aspect of the embodiments of the present invention provides a device for processing payment information, including:
the acquisition module is used for receiving a first two-dimensional code sent by a payee address;
the processing module is used for carrying out two-dimensional code analysis processing on the first two-dimensional code to generate a first payment information sequence; calling a payment processing interface to carry out payment processing according to the first payment information sequence; and the result data returned by the payment processing interface is subjected to data conversion processing to generate first encrypted account checking information; and then, carrying out two-dimensional code conversion processing on the first encrypted account checking information, and sending back the result data of the conversion processing to the payee address.
A third aspect of an embodiment of the present invention provides an electronic device, including: a memory, a processor, and a transceiver;
the processor is configured to be coupled to the memory, read and execute instructions in the memory, so as to implement the method steps of the first aspect;
the transceiver is coupled to the processor, and the processor controls the transceiver to transmit and receive messages.
A fourth aspect of embodiments of the present invention provides a computer program product comprising computer program code which, when executed by a computer, causes the computer to perform the method of the first aspect.
A fifth aspect of embodiments of the present invention provides a computer-readable storage medium storing computer instructions that, when executed by a computer, cause the computer to perform the method of the first aspect.
The embodiment of the invention provides a payment information processing method, a payment information processing device, electronic equipment, a computer program product and a computer readable storage medium.A credible mechanism is established between a receiving party and a paying party, the payment information and account checking information are encrypted and transmitted in a two-dimensional code form, and the paying party automatically extracts the payment information from the two-dimensional code and sends the payment information to a payment processing interface to finish payment; therefore, the privacy protection of the payment information can be ensured by data transmission through the two-dimensional code; a mutual trust mechanism is established, so that privacy protection of the two-dimensional code data can be ensured; the manual operation link is avoided, and the payment efficiency is improved.
Drawings
Fig. 1 is a schematic diagram of a payment information processing method according to an embodiment of the present invention;
fig. 2 is a schematic diagram of three two-dimensional codes according to a first embodiment of the present invention;
fig. 3 is a schematic diagram of a trusted data mechanism according to an embodiment of the present invention;
fig. 4 is a block diagram of a payment information processing apparatus according to a second embodiment of the present invention;
fig. 5 is a schematic structural diagram of an electronic device according to a third embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the invention provides a payment information processing method, wherein an asymmetric algorithm trusted mechanism is established between a receiving party and a paying party, public keys are shared mutually, and the payment information is encrypted by using an asymmetric algorithm, so that the transmission security of data is guaranteed; the specific form of data transmission adopts a two-dimensional code mode, so that the privacy of data transmission is guaranteed; the payment record is extracted from the payment information, and a transfer script capable of being automatically identified by an online bank platform is generated according to a known online bank batch transfer work order template, so that the transfer efficiency of a payer is improved, as shown in a schematic diagram of a processing method of the payment information provided by the embodiment of the invention in figure 1, the method mainly comprises the following steps:
Here, the first two-dimensional code is a two-dimensional code image with payment information sent by the payee to the payer through mail or network; the payee address is a payee email address, or a network address.
the method specifically comprises the following steps: step 21, extracting and processing two-dimensional code information of the first two-dimensional code to generate first encrypted payment information;
the method specifically comprises the following steps: performing corresponding two-dimensional code image information extraction processing on the first two-dimensional code according to a preset two-dimensional code type to generate first two-dimensional code extraction information; extracting information from the first two-dimensional code to be used as first encrypted payment information;
the two-dimensional Code type at least comprises a quick response Code (QR Code) type, a data matrix Datamatrix type and a bull eye Code type;
here, the following description is made of several commonly used two-dimensional codes:
1) the QR Code two-dimensional Code is a matrix two-dimensional Code symbol developed by Denso company in 9 months of 1994; it has the advantages of large information capacity, high reliability, capability of representing various character information of Chinese characters and images, strong security and anti-counterfeiting performance and the like of the one-dimensional bar code and other two-dimensional bar codes; the QR Code two-dimensional Code image is characterized in that a standard block for calibration is respectively arranged at the left lower position, the left upper position and the right upper position, as shown in fig. 2, which is a schematic diagram of three two-dimensional codes provided by the first embodiment of the present invention;
2) the native name Datacode two-dimensional code of Datamatrix two-dimensional code is invented by the International Data Matrix (ID Matrix) of the united states in 1989; the matrix type two-dimensional bar code is characterized by high code density, small size and large information amount, adopts a complex error correcting code technology and has super-strong anti-pollution capability; the concrete form is shown in figure 2;
3) the Maxicode two-dimensional code is developed by United states Union Package (UPS) express company known in the United states in the late 1980 s; this is a matrix two-dimensional bar code with medium capacity and fixed size, which is composed of tightly connected hexagonal modules and positioning patterns located at the center of the symbol; the appearance of the product is similar to that of a bull eye, so the product is also called a bull eye code, as shown in figure 2;
here, in this step, the two-dimensional code type is preset information for selecting a two-dimensional code recognition algorithm; when the two-dimensional code type is a QR code type, carrying out QR code two-dimensional code image information extraction processing on the first two-dimensional code to generate first two-dimensional code extraction information; when the two-dimensional code type is the Datamatrix type, performing Datamatrix two-dimensional code image information extraction processing on the first two-dimensional code to generate first two-dimensional code extraction information; when the two-dimensional code type is a Maxicode type, carrying out Maxicode two-dimensional code image information extraction processing on the first two-dimensional code to generate first two-dimensional code extraction information; the QR code two-dimensional code image information extraction processing, the Datamatrix two-dimensional code image information extraction processing and the Maxicode two-dimensional code image information extraction processing all have standard specifications which can be quoted, and further description is not given herein; the first encrypted payment information is information content extracted from the two-dimensional code after the two-dimensional code identification processing; as described above, in the embodiment of the present invention, data transmission is performed in the form of a two-dimensional code, and information included in the two-dimensional code is ciphertext information that is subjected to encryption processing, so that the first two-dimensional code extraction information is actually ciphertext information related to the first payment information, that is, the first encrypted payment information;
step 22, carrying out encrypted information analysis processing on the first encrypted payment information to generate a first payment information sequence;
the method specifically comprises the following steps: step 221, decrypting the first encrypted payment information by using a corresponding asymmetric algorithm according to a private key of the payer and a preset asymmetric algorithm identifier to generate first payment information;
the first payment information comprises a payment application information sequence and first hash information; the payment application information sequence comprises a plurality of first payment records; the first payment record at least comprises first account opening bank information, first account number information, first payment amount information and first payment description information; the asymmetric algorithm identification at least comprises an RSA algorithm and a SM2 algorithm of a public key cryptosystem;
here, both the payment and receipt establish a trusted mechanism, and the trusted mechanism is based on an asymmetric algorithm, namely RSA algorithm or SM2 algorithm; specifically, the two parties share a public key, when data is transmitted, the sender encrypts the data by using a private key of the sender, and the receiver decrypts the data by using the public key of the sender after obtaining the data, as shown in fig. 3, which is a schematic diagram of a trusted data mechanism provided in an embodiment of the present invention; after the first encrypted payment information is extracted from the two-dimensional code, the first encrypted payment information needs to be decrypted by using a decryption key, namely a private key of a payer, and a plaintext result obtained by decryption is the first payment information; here, the first payment information is composed of two major parts: applying for a payment information sequence and first hash information:
the first hash information is data summary information of the payment application information sequence and is used for verifying the integrity of the payment application information sequence data;
the payment application information sequence is composed of a single or a plurality of specific first payment records, each first payment record at least comprises the following steps according to the information requirement on the public transfer: the account management system comprises first account opening bank information, first account number information, first payment amount information and first payment description information; the first account opening information is the information of an account opening bank and/or a branch bank of a public account of a payee, and the information can be an organization code and an organization name, for example, "01-255" represents "industrial and commercial bank-third branch line of Beijing Haihu district"; the first account information is account name information of the payee to the public account, such as "apple pear limited liability company"; the first payment amount information is the specific amount due, the minimum unit is 'element', and the data precision can require that the amount is accurate to the last two decimal places, such as 300,000,055.96 elements; the first payment specification information is a specification of a specific payment item, such as "contract number 13001 due for payment";
step 222, performing first data integrity verification processing on the first payment information;
the method specifically comprises the following steps: step 2221, according to the preset digital digest algorithm identification, using the corresponding digital digest algorithm to perform the first digital digest information calculation processing on the payment application information sequence of the first payment information, and generate the second hash information;
the digital Digest Algorithm identification at least comprises a Message-Digest Algorithm (MD) -5 Algorithm identification, a Secure Hash Algorithm (SHA) -256 Algorithm identification and a secret code Hash Algorithm SM3 Algorithm identification;
here, the second hash information calculated in this step is consistent with the calculation process of the first hash information, where the second hash information is f (payment application information sequence), and f is a digital digest calculation function; when the digital abstract algorithm identification is the MD-5 algorithm identification, f is an MD-5 digital abstract calculation function; when the digital abstract algorithm identification is an SHA-256 algorithm identification, f is an SHA-256 digital abstract calculation function; when the digital digest algorithm identifier is the SM3 algorithm identifier, f is the SM3 digital digest calculation function;
step 2222, when the first hash information and the second hash information are the same, the first data integrity check processing is successful;
step 223, when the first data integrity check process is successful, the payment application information sequence is used as the first payment information sequence.
the method specifically comprises the following steps: carrying out batch transfer script conversion processing on the first payment information sequence according to the format of the online bank batch transfer script to generate a first transfer script; and pushing the first transfer script to a payment processing interface.
Here, the payment processing interface is an online bank platform processing interface; the payment record data structure in the known first payment information sequence is adopted, the format of the online bank batch transfer script of each bank is fixed, and the information can be extracted from the first payment information sequence and filled in the template of the batch transfer script only by presetting the corresponding relation between the data in the template and the data in the first payment information sequence, so that the corresponding first transfer script is generated;
for example, the data content of the first payment information sequence is shown in table one, wherein the first account opening information consists of two parts: the bank and branch bank are distinguished by "-"; the online bank batch transfer script of a certain bank is in an excel format of an electronic form file, and records and field formats in the table are shown in a second table; the corresponding relation between the template and the information sequence is as follows: the field 'collection bank' corresponds to the content of an opening bank of the first opening bank information, the field 'collection bank branch' corresponds to the content of a branch of the first opening bank information, the field 'collection account name' corresponds to the first account information, the field 'collection account' corresponds to the first account information, the field 'transfer amount' corresponds to the first payment amount information, and the field 'remark' corresponds to the first payment description information; the first generated transfer script should be as shown in table three;
| Bank for collecting money | Cashier branch | Name of payee | Account of collection | Transfer amount | Remarks for note |
Watch two
Watch III
After the first transfer script is obtained, the first transfer script is pushed to an online bank platform processing interface; the online bank platform processing interface is an office interface which is used for the payment processing of online bank in the payer, and the interface can be a specific financial staff or a specific interface or address for an internal office system; the pushing mode of the first account transfer script can be a mail pushing mode, an office system pushing mode and the like.
the method specifically comprises the following steps: step 41, performing reconciliation information extraction processing on result data returned by the payment processing interface to generate a first reconciliation information sequence;
wherein the first reconciliation information sequence comprises a plurality of first reconciliation records; the first account checking record at least comprises second account opening row information, second account number information, second payment amount information and first payment state information;
after the payer finishes payment, the result data returned by the payment processing interface is specifically a reconciliation text, a field of the reconciliation text has a corresponding relation with the information in the first reconciliation information sequence, and the corresponding information is extracted to obtain the first reconciliation information sequence; the content stored in the first account checking information sequence is the content of the payment and the description whether the payment is successful or not; each first reconciliation record corresponds to a first payment record; the second account opening row information of the first account-checking record corresponds to the first account opening row information of the first payment record, the second account information corresponds to the first account information, the second payment amount information corresponds to the first payment amount information, and the content of the first payment state information is payment success or other payment failure information;
for example, the data content of the first payment information sequence is shown in table one, when payment is made, item 1 is paid successfully, and item 2 is an error message "account name does not correspond to account number" returned by the opposite bank, then the first reconciliation information sequence is shown in table four;
watch four
Step 42, performing encrypted data assembly processing on the first reconciliation information sequence to generate first encrypted reconciliation information;
the method specifically comprises the following steps: step 421, performing second digital digest information calculation processing on the first reconciliation information sequence to generate third hash information; the first reconciliation information sequence and the third hash information form first reconciliation information;
here, in order to ensure that the payee can have reference information for verifying the integrity of the first reconciliation information sequence after receiving the data, the digital summary calculation needs to be performed on the first reconciliation information sequence; the third hash here acts as if the first hash acted on the first payment information sequence for the first reconciliation information sequence;
step 422, the public key of the payee is used to perform a first encryption process on the first reconciliation information, so as to generate first encrypted reconciliation information.
Here, as shown in fig. 3, the payer is used as the sender, and the plaintext to be sent, i.e., the first reconciliation information, needs to be encrypted using the public key of the receiver, i.e., the payee, and the generated ciphertext is the first encrypted reconciliation information.
And 5, performing two-dimensional code conversion processing on the first encrypted reconciliation information, and sending back the result data of the conversion processing to the address of the payee.
Here, the two-dimensional code conversion processing is an inverse operation of the two-dimensional code information extraction processing in the above step 21, and is to convert information into a two-dimensional code encoded image; for example, the first encrypted reconciliation information is converted into a binary code, and then a '0' is white and a '1' is black, and a corresponding two-dimensional code image is obtained according to an image conversion rule of the corresponding two-dimensional code; when the two-dimensional code is sent back to the address of the payee, the original route returning principle is adopted, and if the first two-dimensional code is received by the payer through the mail, the payer sends back a two-dimensional code image to the address of the sender; if the first two-dimensional code is received by the payer through the network address, the payer sends back a two-dimensional code image to the same address or other appointed address.
Fig. 4 is a block diagram of a payment information processing apparatus according to a second embodiment of the present invention, where the apparatus may be a terminal device or a server implementing the method according to the second embodiment of the present invention, or an apparatus connected to the terminal device or the server implementing the method according to the second embodiment of the present invention, and for example, the apparatus may be an apparatus or a chip system of the terminal device or the server. As shown in fig. 4, the apparatus includes:
the obtaining module 401 is configured to receive a first two-dimensional code sent by a payee address.
The processing module 402 is configured to perform two-dimensional code analysis processing on the first two-dimensional code to generate a first payment information sequence; calling a payment processing interface to carry out payment processing according to the first payment information sequence; and the result data returned by the payment processing interface is subjected to data conversion processing to generate first encrypted account checking information; and then, carrying out two-dimensional code conversion processing on the first encrypted account checking information, and sending back the result data of the conversion processing to the address of the payee.
The payment information processing apparatus provided in the embodiment of the present invention may execute the method steps in the foregoing method embodiments, and the implementation principle and the technical effect are similar, which are not described herein again.
It should be noted that the division of the modules of the above apparatus is only a logical division, and the actual implementation may be wholly or partially integrated into one physical entity, or may be physically separated. And these modules can be realized in the form of software called by processing element; or may be implemented entirely in hardware; and part of the modules can be realized in the form of calling software by the processing element, and part of the modules can be realized in the form of hardware. For example, the obtaining module may be a processing element separately set up, or may be implemented by being integrated in a chip of the apparatus, or may be stored in a memory of the apparatus in the form of program code, and a processing element of the apparatus calls and executes the functions of the determining module. Other modules are implemented similarly. In addition, all or part of the modules can be integrated together or can be independently realized. The processing element described herein may be an integrated circuit having signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in the form of software.
For example, the above modules may be one or more integrated circuits configured to implement the above methods, such as: one or more Application Specific Integrated Circuits (ASICs), or one or more Digital Signal Processors (DSPs), or one or more Field Programmable Gate Arrays (FPGAs), etc. For another example, when some of the above modules are implemented in the form of a Processing element scheduler code, the Processing element may be a general-purpose processor, such as a Central Processing Unit (CPU) or other processor that can invoke the program code. As another example, these modules may be integrated together and implemented in the form of a System-on-a-chip (SOC).
In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, cause the processes or functions described in accordance with the embodiments of the invention to occur, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored on a computer readable storage medium or transmitted from one computer readable storage medium to another computer readable storage medium, for example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wire (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, bluetooth, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that includes one or more of the available media. The usable medium may be a magnetic medium (e.g., a floppy disk, a hard disk, a magnetic tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a Solid State Disk (SSD)), etc.
Fig. 5 is a schematic structural diagram of an electronic device according to a third embodiment of the present invention. The electronic device may be the terminal device or the server, or may be a terminal device or a server connected to the terminal device or the server and implementing the method according to the embodiment of the present invention. As shown in fig. 5, the electronic device may include: a processor 51 (e.g., CPU), a memory 52, a transceiver 53; the transceiver 53 is coupled to the processor 51, and the processor 51 controls the transceiving action of the transceiver 53. Various instructions may be stored in the memory 52 for performing various processing functions and implementing the methods and processes provided in the above-described embodiments of the present invention. Preferably, the electronic device according to an embodiment of the present invention further includes: a power supply 54, a system bus 55, and a communication port 56. The system bus 55 is used to implement communication connections between the elements. The communication port 46 is used for connection communication between the electronic device and other peripherals.
The system bus mentioned in fig. 5 may be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus or the like. The system bus may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown, but this does not mean that there is only one bus or one type of bus. The communication interface is used for realizing communication between the database access device and other equipment (such as a client, a read-write library and a read-only library). The Memory may include a Random Access Memory (RAM) and may also include a Non-Volatile Memory (Non-Volatile Memory), such as at least one disk Memory.
The Processor may be a general-purpose Processor, including a central processing unit CPU, a Network Processor (NP), and the like; but also a digital signal processor DSP, an application specific integrated circuit ASIC, a field programmable gate array FPGA or other programmable logic device, discrete gate or transistor logic, discrete hardware components.
It should be noted that the embodiment of the present invention also provides a computer-readable storage medium, which stores instructions that, when executed on a computer, cause the computer to execute the method and the processing procedure provided in the above-mentioned embodiment.
The embodiment of the invention also provides a chip for running the instructions, and the chip is used for executing the method and the processing process provided by the embodiment.
Embodiments of the present invention also provide a program product, which includes a computer program stored in a storage medium, from which the computer program can be read by at least one processor, and the at least one processor executes the methods and processes provided in the embodiments.
The embodiment of the invention provides a payment information processing method, a payment information processing device, electronic equipment, a computer program product and a computer readable storage medium.A credible mechanism is established between a receiving party and a paying party, the payment information and account checking information are encrypted and transmitted in a two-dimensional code form, and the paying party automatically extracts the payment information from the two-dimensional code and sends the payment information to a payment processing interface to finish payment; therefore, the privacy protection of the payment information can be ensured by data transmission through the two-dimensional code; a mutual trust mechanism is established, so that privacy protection of the two-dimensional code data can be ensured; the manual operation link is avoided, and the payment efficiency is improved.
Those of skill would further appreciate that the various illustrative components and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied in hardware, a software module executed by a processor, or a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are merely exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (8)
1. A method for processing payment information, the method comprising:
receiving a first two-dimensional code sent by a payee address;
performing two-dimensional code analysis processing on the first two-dimensional code to generate a first payment information sequence;
calling a payment processing interface to carry out payment processing according to the first payment information sequence;
performing data conversion processing on result data returned by the payment processing interface to generate first encrypted reconciliation information;
and performing two-dimensional code conversion processing on the first encrypted reconciliation information, and sending back the result data of the conversion processing to the payee address.
2. The method for processing payment information according to claim 1, wherein the performing two-dimensional code parsing on the first two-dimensional code to generate a first payment information sequence specifically includes:
extracting and processing two-dimensional code information of the first two-dimensional code to generate first encrypted payment information;
and carrying out encrypted information analysis processing on the first encrypted payment information to generate the first payment information sequence.
3. The method for processing payment information according to claim 2, wherein the performing two-dimensional code information extraction processing on the first two-dimensional code to generate first encrypted payment information specifically includes:
performing corresponding two-dimensional code image information extraction processing on the first two-dimensional code according to a preset two-dimensional code type to generate first two-dimensional code extraction information; extracting information from the first two-dimensional code to be used as the first encrypted payment information; the two-dimensional Code types at least comprise a quick response Code (QR Code) type, a data matrix Datamatrix type and a bull eye Code Maxicode type.
4. The method for processing payment information according to claim 1, wherein the performing data conversion processing on the result data returned by the payment processing interface to generate first encrypted reconciliation information specifically includes:
performing reconciliation information extraction processing on result data returned by the payment processing interface to generate a first reconciliation information sequence;
and performing encrypted data assembly processing on the first reconciliation information sequence to generate the first encrypted reconciliation information.
5. An apparatus for processing payment information, comprising:
the acquisition module is used for receiving a first two-dimensional code sent by a payee address;
the processing module is used for carrying out two-dimensional code analysis processing on the first two-dimensional code to generate a first payment information sequence; calling a payment processing interface to carry out payment processing according to the first payment information sequence; and the result data returned by the payment processing interface is subjected to data conversion processing to generate first encrypted account checking information; and then, carrying out two-dimensional code conversion processing on the first encrypted account checking information, and sending back the result data of the conversion processing to the payee address.
6. An electronic device, comprising: a memory, a processor, and a transceiver;
the processor is used for being coupled with the memory, reading and executing the instructions in the memory to realize the method steps of any one of claims 1-4;
the transceiver is coupled to the processor, and the processor controls the transceiver to transmit and receive messages.
7. A computer program product, characterized in that the computer program product comprises computer program code which, when executed by a computer, causes the computer to perform the method of any of claims 1-4.
8. A computer-readable storage medium having stored thereon computer instructions which, when executed by a computer, cause the computer to perform the method of any of claims 1-4.
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