CN113435881A - Code scanning payment 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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Abstract
One or more embodiments of the present disclosure provide a code scanning payment method, in which a wallet client sends scanned information of an external cash register of a merchant and information of a payment amount input by a user through an interactive interface for inputting the payment amount to an agent server, the agent server simulates the wallet client to load an external cash register page corresponding to the external cash register and simulate the user to input the payment amount to send a payment request to a provider of the external cash register, after a payment confirmation message corresponding to the payment request is obtained, the payment confirmation message is sent to the wallet client, and after the wallet client receives the payment confirmation message, payment is completed by interaction with the user. By loading the external payment page through the proxy server and simulating the input of the payment amount by the user, the wallet client can avoid loading the external payment page, and the interaction logic of a provider adapting to the external payment code is not needed, so that the development and test workload of the wallet client is reduced.
Description
Technical Field
One or more embodiments of the present disclosure relate to the field of computer technologies, and in particular, to a code scanning payment method and apparatus.
Background
The process for a user to pay for a scan-down code using an electronic wallet may be: the user scans a merchant's collection code (hereinafter, abbreviated as a code scanning payment) through an electronic wallet client (hereinafter, abbreviated as a wallet client), inputs a payment amount on the loaded collection page, and completes the payment. In some cases, the payment code is an external payment code, in other words, the external payment code is generated in advance by a payment page corresponding to the merchant (such as an acquirer or an acquirer outsourcing service, hereinafter referred to as an external payment code provider), and the common form of the payment code is a two-dimensional code including a link to the payment page, where the payment page is an external payment page for the electronic wallet, where the payment amount can be input. The order acquiring mechanism refers to a mechanism which signs an agreement with some merchants and helps the merchants to collect money, and specifically, in the payment process, if the merchants sign an agreement with some order acquiring mechanism, money paid to the merchants by a user is firstly sent to accounts of the order acquiring mechanism, and then the order acquiring mechanism sends the corresponding money to the accounts of the merchants; an order-receiving outsourcing service mechanism refers to a mechanism that provides technical service support (provides a collection code and a collection page) during collection processes in which the order-receiving mechanism participates.
If the user scans the external payment code in the payment process, the interaction between an external payment page and a wallet client is involved in the user line code scanning payment process, and different external payment code providers have different technical requirements on the interaction logic between the external payment page and the wallet client, for example, some external payment code providers require rebound interception, and some external payment code providers do not need; different e-wallets also have different requirements on the interaction logic between the two. This results in the wallet or external payee code provider needing to adapt the interaction logic of the partner if the wallet wants to cooperate with the external payee code provider. In some cases, the wallet is required to actively adapt the interaction logic of multiple external payment code providers, which causes the wallet to invest a great deal of effort in developing and testing the adaptation.
Disclosure of Invention
In view of this, one or more embodiments of the present disclosure provide a code scanning payment method and apparatus.
According to a first aspect of one or more embodiments of the present specification, a code scanning payment method is provided, in which an interaction between a wallet client and an external payment page is implemented by using a proxy server, the method including:
the wallet client scans and obtains an external payment code, and displays an interactive interface for inputting payment amount;
receiving a payment amount input by a user at the interactive interface;
sending the information of the external cash register code and the information of the payment amount to the proxy server;
the proxy server analyzes the received external collection code information and loads an external collection page corresponding to the external collection code according to an analysis result;
the proxy server simulates a user to perform payment amount input operation and confirmation operation in the loaded external payment page according to the received payment amount information so as to send a payment request to a provider of an external payment code;
and the provider obtaining the external payment code responds to a payment confirmation message of the payment request and forwards the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete payment according to the payment confirmation message.
According to a second aspect of one or more embodiments of the present specification, a code scanning payment method is provided, in which an interaction between a wallet client and an external payment receiving page is implemented by using a proxy server, and the proxy server performs:
obtaining external collection code information and payment amount information sent by a wallet client; the wallet client is preconfigured to: after the external payment receiving code is obtained through scanning, displaying an interactive interface for inputting payment amount, and receiving the payment amount input by a user through the interactive interface;
analyzing the received external cash register code information, and loading an external cash register page corresponding to the external cash register code according to an analysis result;
according to the received payment amount information, in the loaded external payment page, simulating a user to perform payment amount input operation and confirmation operation so as to send a payment request to a provider of an external payment code;
and the provider obtaining the external payment code responds to a payment confirmation message of the payment request and forwards the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete payment according to the payment confirmation message.
According to a third aspect of the embodiments of the present specification, there is provided a code scanning payment method, in which an interaction between a wallet client and an external collection page is implemented by using a proxy server, the wallet client performs:
scanning to obtain an external payment code, and displaying an interactive interface for inputting payment amount;
receiving a payment amount input by a user at the interactive interface;
sending the information of the external collection code and the information of the payment amount to the proxy server so that the proxy server loads an external collection page corresponding to the external collection code and simulates a user to perform input operation and confirmation operation of the payment amount;
and obtaining a payment confirmation message forwarded by the proxy server, wherein the payment confirmation message is a message sent by a provider of the external payment code responding to the payment request, and prompting the user to finish payment according to the payment confirmation message.
According to a fourth aspect of the embodiments of the present specification, there is provided a code scanning payment apparatus, which uses a proxy server to implement interaction between a wallet client and an external payment receiving page, and is applied to the proxy server, the apparatus including:
the information acquisition module is used for acquiring external collection code information and payment amount information sent by the wallet client; the wallet client is preconfigured to: after the external payment receiving code is obtained through scanning, displaying an interactive interface for inputting payment amount, and receiving the payment amount input by a user through the interactive interface;
the page loading module is used for analyzing the received external cash register code information and loading an external cash register page corresponding to the external cash register code according to an analysis result;
the input module is used for simulating a user to perform payment amount input operation and confirmation operation in the loaded external payment page according to the received payment amount information so as to send a payment request to a provider of an external payment code;
and the payment message forwarding module is used for obtaining a payment confirmation message of a provider of the external payment code responding to the payment request and forwarding the payment confirmation message to the wallet client so that the wallet client prompts the user to complete payment according to the payment confirmation message.
According to a fifth aspect of embodiments of the present specification, there is provided a code scanning payment apparatus, which uses a proxy server to implement interaction between a wallet client and an external payment receiving page, and is applied to the wallet client, the apparatus including:
the interactive interface display module is used for scanning to obtain an external payment code and displaying an interactive interface for inputting payment amount;
the payment amount receiving module is used for receiving the payment amount input by the user at the interactive interface;
the information sending module is used for sending the information of the external cash register code and the information of the payment amount to the proxy server so that the proxy server loads an external cash register page corresponding to the external cash register code and simulates a user to perform payment amount input operation and confirmation operation;
and the payment confirmation message acquisition module is used for acquiring a payment confirmation message forwarded by the proxy server, wherein the payment confirmation message is a message sent by a provider of an external payment code responding to the payment request, and prompts a user to complete payment according to the payment confirmation message.
According to a sixth aspect of the embodiments of the present specification, there is provided a code scanning payment system, which uses a proxy server to realize interaction between a wallet client and an external payment receiving page, the system including the wallet client and the proxy server;
a wallet client to perform: scanning to obtain an external payment code, and displaying an interactive interface for inputting payment amount; receiving a payment amount input by a user at the interactive interface; sending the information of the external cash register code and the information of the payment amount to the proxy server;
the proxy server executes: the proxy server analyzes the received external collection code information and loads an external collection page corresponding to the external collection code according to an analysis result; according to the received payment amount information, in the loaded external payment page, simulating a user to perform payment amount input operation and confirmation operation so as to send a payment request to a provider of an external payment code; and the provider obtaining the external payment code responds to a payment confirmation message of the payment request and forwards the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete payment according to the payment confirmation message.
According to a seventh aspect of the embodiments of the present specification, there is provided a computer-readable storage medium having stored thereon computer instructions, which when executed by a processor, implement the code scanning payment method according to the second or third aspect of the embodiments of the present specification.
According to an eighth aspect of embodiments herein, there is provided an electronic apparatus comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor executes the executable instructions to implement the code scanning payment method according to the second aspect or the third aspect of the embodiments of the present specification.
In one or more embodiments of the present specification, a wallet client sends information of a scanned external payment receiving code of a merchant and information of a payment amount input by a user through an interactive interface for inputting the payment amount to an agent server, the agent server simulates the wallet client to load an external payment receiving page corresponding to the external payment receiving code and simulate the user to input the payment amount so as to send a payment request to a provider of the external payment receiving code, after a payment confirmation message corresponding to the payment request is obtained, the payment confirmation message is sent to the wallet client, and the wallet client interacts with the user to complete payment after receiving the payment confirmation message. By loading the external payment page through the proxy server and simulating the input of the payment amount by the user, the wallet client can avoid loading the external payment page, and the interaction logic of a provider adapting to the external payment code is not needed, so that the development and test workload of the wallet client is reduced.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the specification.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present specification and together with the description, serve to explain the principles of the specification.
FIG. 1 is a flow chart illustrating a method for code-scanning payment according to an exemplary embodiment of the present description.
Figure 2 is a process that the wallet client shown in this description interacts with the acquirer via the third party SDK.
FIG. 3 is a flow diagram illustrating yet another code-scanning payment method in accordance with one embodiment of the present disclosure.
FIG. 4 is a flow chart illustrating another code-scanning payment method in accordance with an exemplary embodiment of the present description.
FIG. 5 is a flow chart illustrating yet another code-scanning payment method in accordance with an exemplary embodiment of the present description.
Fig. 6 is a block diagram of a code-scanning payment device shown in the present specification, according to an example embodiment.
FIG. 7 is a block diagram of another code-scanning payment device illustrated in accordance with an exemplary embodiment of the present description.
Fig. 8 is a hardware block diagram of a computer device in which a code scanning payment device is located according to an example embodiment.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.
It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.
In the process of code scanning payment of a user, interaction between a wallet client and an external payment receiving page is often involved, and if the electronic wallet wants to develop a new market (such as market development in a new country), cooperation with an external payment receiving code provider of the new market is often needed, and in most cases, the external payment receiving code provider of the new market is basically impossible to actively adapt to the interaction logic of the electronic wallet, so that the electronic wallet is required to actively adapt to the interaction logic of the external payment receiving code provider of the new market, and the electronic wallet needs to invest a great deal of effort in development and testing to adapt to the interaction logic of the external payment receiving code provider of the new market.
Under the condition that the electronic wallet is actively adapted, the specific interaction process between the wallet client and the external payment code provider is as follows: the wallet client receives a code scanning request of a user, analyzes a scanned external payment code, determines an external payment page link according to an analysis result, loads a payment page corresponding to the payment code according to an interaction mode corresponding to the external payment page link, receives payment amount input of the user, and after the user confirms the external payment page, an external payment code provider returns order identification information through the external payment page.
In order to solve the problems, the wallet client sends the scanned information of the external payment code of the merchant and the information of the payment amount input by the user through an interactive interface for inputting the payment amount to the proxy server, the proxy server simulates the wallet client to load an external payment page corresponding to the external payment code and input the payment amount by the user so as to send a payment request to an external payment code provider, the payment confirmation message is sent to the wallet client after the payment confirmation message corresponding to the payment request is obtained, and the wallet client interacts with the user to complete payment after receiving the payment confirmation message. By loading the external payment page through the proxy server and simulating the input of the payment amount by the user, the wallet client can be free from loading the external payment page, the interaction logic of the external payment page does not need to be adapted, and the development and test workload of the wallet client is reduced.
A code scanning payment method and device provided in the present specification will be described in detail below.
Firstly, as shown in fig. 1, compared with a code scanning payment process in which only a wallet client and an external collection code provider participate in the prior art, the method provided by the present specification adds an agent server, and the agent server is used to proxy the wallet client to analyze the external collection code and load an external collection page, so as to complete interaction between the wallet client and the external collection page. The code scanning payment method comprises the following steps:
step 101, the wallet client scans to obtain an external payment code, and displays an interactive interface for inputting payment amount.
And 103, receiving the payment amount input by the user at the interactive interface by the wallet client.
Next, step 101 and step 103 will be collectively described.
The interactive interface for inputting the payment amount may be presented in the form of an input box or in the form of a page, and if the interactive interface is presented in the form of a page, the page is not an external page, but is a page provided by the wallet client, for example, an external payment page for inputting the payment amount after code scanning of the wallet client. The external payment code corresponds to an external payment page and is provided by other payment institutions or payment service institutions except the electronic wallet, and the two institutions are external payment code providers. The electronic wallet cooperating with the proxy server side is provided with a plurality of electronic wallets, the proxy server side also cooperates with a plurality of external cash register code providers, the electronic wallet can be any one of the electronic wallets, and the external cash register code providers can also be any one of the electronic wallets.
Different from the related art, after the external payment code is scanned, the external payment code is decoded, and a corresponding external payment page is loaded. In this way, the wallet client can submit the payment amount input by the user to the external cash register code provider without loading the external cash register page, so that the wallet client does not need to adapt to the interaction logic of the external cash register code provider. And under the condition that the electronic wallet needs a plurality of external cash register code providers, the method of the embodiment of the specification enables the wallet client to be free from adapting to a plurality of external cash register code providers, greatly reduces the development cost of the electronic wallet, and enables the electronic wallet to develop a new market more easily.
In addition, considering that the wallet client cannot load an interactive interface for inputting payment amount after any object is shot through the code scanning interface, the wallet client needs to determine whether an external payment code exists on the object shot through the code scanning interface and whether the external payment code cannot be analyzed by the agent server, and the interactive interface is displayed after the external payment code which can be analyzed by the agent server is determined to exist and cannot be analyzed by the agent server.
Specifically, under the condition that a user scans a two-dimensional code or other bar codes through a code scanning function of a wallet client, the wallet client firstly determines whether the external cash register is an external cash register which can be analyzed by the wallet client; if the external payment code can be analyzed, directly displaying a corresponding page; if the external payment code cannot be analyzed, sending an inquiry request to a cooperative proxy server, wherein the inquiry request is used for enabling the proxy server to inquire whether the two-dimensional code contained in the inquiry request can be analyzed; if the agent server side responds to the query request and returns a query success message to the wallet client side, the wallet client side loads an interactive interface of the payment amount input by the user and obtains the payment amount input by the user; and if the agent server responds to the query request and returns a query failure message to the wallet client, the wallet client prompts the user that the user cannot analyze the query failure message. In other words, step 101 includes: the wallet client scans and obtains an external payment code, and sends an inquiry request comprising the information of the external payment code to the proxy server; the proxy server side sends a query success message to the wallet client side under the condition that the information of the external collection code can be analyzed; and the wallet client responds to the inquiry success information and displays an interactive interface for inputting the payment amount.
And 105, the wallet client sends the information of the external cash register code and the information of the payment amount to the proxy server.
After the payment amount input by the user is obtained, in order to enable an external payment code provider to obtain the payment amount input by the user and complete interaction with an external payment page, the wallet client needs to send information of an external payment code and information of the payment amount to the proxy server, so that the whole interaction process is completed without changing the existing method for obtaining the payment amount by the external payment code provider.
The information of the external payment code may be a photographed image of the external payment code, or may be a binary value generated by recognizing the external payment code. In addition, in step 105, since the proxy server is not only connected to one wallet client, in order to enable the proxy server to identify which wallet client sends each piece of information, it is further required to send identification information for distinguishing different wallet clients, for example, identification information obtained by combining an identification of an electronic wallet corresponding to the wallet client and a user identification, but of course, the identification information may be in other forms, and the description does not limit the form of the identification information.
And step 107, the proxy server analyzes the received external collection code information, and loads an external collection page corresponding to the external collection code according to the analysis result.
And step 109, the proxy server simulates the user to perform payment amount input operation and confirmation operation in the loaded external payment page according to the received payment amount information so as to send a payment request to the external payment code provider.
Next, step 107 and step 109 will be collectively described.
In the embodiment of the specification, the proxy server is selected to analyze the external collection codes and load the external collection pages corresponding to the external collection codes, so that the proxy server proxies the wallet client to interact with the external collection pages, and development cost of the wallet client is reduced.
The external collection page can be loaded through a Headless Browser (header Browser), and the interaction tasks of a plurality of external collection pages can be conveniently processed in batch through the loading of the Headless Browser. The external collection page is actually loaded by simulating a wallet client, so that the method for interacting with the external collection code provider is not changed, and the server of the external collection code provider does not need to adjust the whole interaction process.
In the interaction process, in order to simulate the user to perform the payment amount input operation and the confirmation operation on the loaded external payment page, the meaning of each interactive page element in the external payment page needs to be known. Determining the meaning of each interactive page element in the external payment page, and determining the meaning of each interactive page element in the external payment page through a pre-trained page element recognition model when the external payment page is opened; in this case, step 109 may input the payment amount according to the prestored analysis results for different external payment pages, so that the external payment page is not required to be analyzed in a time-consuming manner when the external payment page is loaded each time, and the processing speed is increased. Specifically, step 109 may include: determining the meaning of each interactive page element in the external payment page according to a prestored analysis result of the external payment page; determining the position and the click sequence of the page element required to be clicked for inputting the payment amount, and inputting the payment amount according to the determined click sequence; and if the input payment amount displayed on the external payment receiving page is the same as the payment amount, clicking a page element determined by the representation of the external payment receiving page to simulate the determination operation of a user. In addition, the external payment receiving page may be updated, so the proxy server may set a timing task, periodically monitor whether the external payment receiving page changes, and after the external payment receiving page changes, re-determine the meaning of each interactive page element in the external payment receiving page to prevent the input payment amount information from being incorrect.
In addition, for the interaction process of some electronic purses and some external collection code providers, a payment confirmation message can be obtained without sending a payment request, the process is that after a payment amount is input and the payment request is sent through an external collection page, the external collection code provider returns order identification information through the external collection page, and a server calls an order identification information analysis interface to analyze so as to obtain order information (payment confirmation message) from the external collection code provider server. Specifically, after the agent server sends a payment request through an external collection page, the agent server intercepts returned order identification information and calls an order identification information analysis interface to acquire order information from an external collection code provider server.
And step 111, the proxy server obtains a payment confirmation message of the external payment code provider responding to the payment request, and forwards the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete payment according to the payment confirmation message.
Since the payment confirmation needs the participation of the user, after the payment confirmation message sent by the external payment code provider server is obtained, the payment confirmation message needs to be sent to the wallet client, so that the wallet client prompts the user to complete the payment.
In addition, the agent server end is selected to simulate the wallet client end to load the external payment page to complete the interaction with the external payment code provider, and the electronic wallet can cooperate with a third-party server end. In this case, the third-party service end provides a Software Development Kit (SDK), and the provided SDK is used for loading the external payment page and is responsible for interacting with the external payment code provider. Taking an electronic wallet and an order taking mechanism as an example, a specific interaction process is shown in fig. 2, a user scans a collection code provided by the order taking mechanism, a wallet client uses an integrated SDK to load an external collection page according to an interaction mode required by the external collection page, the user inputs money in the loaded external collection page and confirms, the order taking mechanism returns order identification information through the external collection page after confirmation, the SDK calls an agent server to analyze the order identification information after acquiring the order identification information, and the agent server acquires the order information from the order taking mechanism and forwards the order information to the wallet client to prompt the user to complete payment. But this method does not adapt well to scenarios where the e-wallet does not allow loading of external pages.
By the method, the wallet client does not need to load an external payment page, and the electronic wallet does not need to adapt to the interaction logic of the external payment page, so that the electronic wallet can better develop a new market. Compared with a method that the wallet client adapts the interaction logic with the external payment page through the third-party SDK, the wallet client does not need to integrate the third-party SDK, and the integration workload of the wallet client is saved. For the user, compared with a mode of decoding order identification information to obtain order information by calling the proxy server, the whole interaction process is proxied by the proxy server in the application, so that calling initiated by the wallet client is reduced, the speed of the whole payment process is improved, and the use experience of the user is improved; in addition, the user can still use the original code scanning payment method to complete payment, and the user does not need to change the code scanning payment method for the adaptation.
Next, the code scanning payment method provided in the present specification will be described by a specific embodiment.
Suppose that a certain wallet a in thailand wants to expand the overseas market (such as the japanese market) so that the user of the wallet client can use the native wallet to travel to japan as well to enhance the user experience of the wallet client. The electronic wallet a needs to cooperate with a plurality of external payee code providers in japan and an interaction logic adapted to a plurality of external payee pages, and in order to reduce the development workload, the electronic wallet a selects to cooperate with an agent server, which acts on the interaction process.
Taking a wallet client side A to scan a payment receiving code provided by a payment receiving mechanism B as an example, as shown in fig. 3, in the whole interaction process, specifically, firstly, a user scans the code, when the wallet client side determines that the scanned code is an external payment receiving code which can be analyzed by an agent server side, an external payment receiving page (a page for inputting payment amount) of the wallet client side is displayed, the payment amount input by the user is received through the external payment receiving page, and information of the payment amount and the external payment receiving code is sent to the agent server side; the proxy server determines the interaction mode of the external payment page according to the received external payment code information so as to load the external payment page, automatically inputs and confirms the payment amount of a user in the external payment page according to a pre-stored page element analysis result of the external payment page, and further obtains order identification information returned by an order receiving mechanism through the external payment page.
Corresponding to the embodiment of the code scanning payment method, the code scanning payment method applied to the agent server and the wallet client is further provided.
As shown in fig. 4, the present specification further provides a code scanning payment method, which uses a proxy server to implement interaction between a wallet client and an acquirer, and the proxy server performs the following steps:
And 403, analyzing the received external cash register code information, and loading an external cash register page corresponding to the external cash register code according to an analysis result.
As shown in fig. 5, the present specification further provides a code scanning payment method, which uses a proxy server to realize the interaction between a wallet client and an acquirer, and the wallet client performs the following steps:
And 505, sending the information of the external collection code and the information of the payment amount to the proxy server, so that the proxy server loads an external collection page corresponding to the external collection code, and simulates a user to perform payment amount input operation and confirmation operation.
And 507, obtaining a payment confirmation message forwarded by the proxy server, wherein the payment confirmation message is a message sent by the acquiring mechanism in response to the payment request, and prompting the user to complete payment according to the payment confirmation message.
In addition, the embodiment of the specification further provides a code scanning payment system, interaction between a wallet client and an acquiring mechanism is achieved through a proxy server, and the system comprises the wallet client and the proxy server;
a wallet client to perform: scanning to obtain an external cash register code provided by a bill receiving mechanism, and displaying an interactive interface for inputting payment amount; receiving a payment amount input by a user at the interactive interface; and sending the information of the external cash register code and the information of the payment amount to the proxy server.
The proxy server executes: the proxy server analyzes the received external collection code information and loads an external collection page corresponding to the external collection code according to an analysis result; according to the received payment amount information, in the loaded external payment page, simulating a user to perform payment amount input operation and confirmation operation so as to send a payment request to a acquirer; and obtaining a payment confirmation message of the acquirer responding to the payment request, and forwarding the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete the payment according to the payment confirmation message.
The implementation process of the functions of each step in the method and the system is specifically detailed in the implementation process of the corresponding step in the code scanning payment method, and is not described herein again.
Corresponding to the embodiments of the code scanning payment method, the present specification also provides embodiments of a code scanning payment apparatus and an electronic device applied thereto.
As shown in fig. 6, fig. 6 is a block diagram of a code-scanning payment device shown in the present specification according to an exemplary embodiment, the device comprising:
the information obtaining module 610 is used for obtaining external collection code information and payment amount information sent by the wallet client; the wallet client is preconfigured to: and after the external collection code provided by the collection mechanism is obtained through scanning, displaying an interactive interface for inputting the payment amount, and receiving the payment amount input by the user through the interactive interface.
And the page loading module 620 is configured to analyze the received external receiving code information, and load an external receiving page corresponding to the external receiving code according to an analysis result.
The input module 630 is configured to simulate a user to perform a payment amount input operation and a confirmation operation in the loaded external payment receiving page according to the received payment amount information, so as to send a payment request to the acquirer.
And a payment message forwarding module 640, configured to obtain a payment confirmation message of the acquirer responding to the payment request, and forward the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete payment according to the payment confirmation message.
As shown in fig. 7, fig. 7 is a block diagram of a code-scanning payment device shown in the present specification according to an exemplary embodiment, the device comprising:
and the interactive interface display module 710 is used for scanning to obtain the external payment code and displaying an interactive interface for inputting the payment amount.
And a payment amount receiving module 720, configured to receive the payment amount input by the user at the interactive interface.
The information sending module 730 is configured to send the information of the external payment code and the information of the payment amount to the proxy server, so that the proxy server loads an external payment page corresponding to the external payment code, and simulates a user to perform a payment amount input operation and a payment amount confirmation operation.
And a payment confirmation message obtaining module 740, configured to obtain a payment confirmation message forwarded by the proxy server, where the payment confirmation message is a message sent by the acquirer responding to the payment request, and prompt the user to complete payment according to the payment confirmation message.
The implementation process of the functions and actions of each module in any one of the scanning code payment devices is specifically described in the implementation process of the corresponding step in the method, and is not described herein again.
For the device embodiments, since they substantially correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. The above-described embodiments of the apparatus are merely illustrative, wherein the modules described as separate parts may or may not be physically separate, and the parts displayed as modules may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.
As shown in fig. 8, fig. 8 is a hardware structure diagram of an electronic device in which the code scanning payment apparatus according to the embodiment is located, where the code scanning payment apparatus may be any one of the code scanning payment apparatuses described above, and a wallet client or an installation proxy server may be installed on the corresponding device. The apparatus may include: a processor 1010, a memory 1020, an input/output interface 1030, a communication interface 1040, and a bus 1050. Wherein the processor 1010, memory 1020, input/output interface 1030, and communication interface 1040 are communicatively coupled to each other within the device via bus 1050.
The processor 1010 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solutions provided in the embodiments of the present disclosure.
The Memory 1020 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 1020 may store an operating system and other application programs, and when the technical solution provided by the embodiments of the present specification is implemented by software or firmware, the relevant program codes are stored in the memory 1020 and called to be executed by the processor 1010.
The input/output interface 1030 is used for connecting an input/output module to input and output information. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.
The communication interface 1040 is used for connecting a communication module (not shown in the drawings) to implement communication interaction between the present apparatus and other apparatuses. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).
It should be noted that although the above-mentioned device only shows the processor 1010, the memory 1020, the input/output interface 1030, the communication interface 1040 and the bus 1050, in a specific implementation, the device may also include other components necessary for normal operation. In addition, those skilled in the art will appreciate that the above-described apparatus may also include only those components necessary to implement the embodiments of the present description, and not necessarily all of the components shown in the figures.
The present specification also provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor, implements the code scanning payment method according to the second or third aspect of the present specification. In other words, the computer-readable storage medium may store thereon a computer program corresponding to the proxy server, and may also store a computer program corresponding to the wallet client.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
Claims (10)
1. A code scanning payment method, which utilizes a proxy server to realize the interaction between a wallet client and an external collection page, and comprises the following steps:
the wallet client scans and obtains an external payment code, and displays an interactive interface for inputting payment amount;
receiving a payment amount input by a user at the interactive interface;
sending the information of the external cash register code and the information of the payment amount to the proxy server;
the proxy server analyzes the received external collection code information and loads an external collection page corresponding to the external collection code according to an analysis result;
the proxy server simulates a user to perform payment amount input operation and confirmation operation in the loaded external payment page according to the received payment amount information so as to send a payment request to a provider of an external payment code;
and the provider obtaining the external payment code responds to a payment confirmation message of the payment request and forwards the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete payment according to the payment confirmation message.
2. The method of claim 1, wherein the wallet client scans for an external debit code, displays an interactive interface for entering a payment amount, and comprises:
the wallet client scans and obtains an external payment code, and sends an inquiry request comprising the information of the external payment code to the proxy server;
the proxy server side sends a query success message to the wallet client side under the condition that the information of the external collection code can be analyzed;
and the wallet client responds to the inquiry success information and displays an interactive interface for inputting the payment amount.
3. The method of claim 1, wherein the simulating the user's payment amount input operation and confirmation operation in the loaded external collection page according to the received payment amount information comprises:
determining the meaning of each interactive page element in the external payment page according to a prestored analysis result of the external payment page;
determining the position and the click sequence of the page element required to be clicked for inputting the payment amount, and inputting the payment amount according to the determined click sequence;
and if the input payment amount displayed on the external payment receiving page is the same as the payment amount, clicking a page element determined by the representation of the external payment receiving page to simulate the determination operation of a user.
4. A code scanning payment method realizes interaction between a wallet client and an external collection page by using an agent server, and the agent server executes:
obtaining external collection code information and payment amount information sent by a wallet client; the wallet client is preconfigured to: after the external payment receiving code is obtained through scanning, displaying an interactive interface for inputting payment amount, and receiving the payment amount input by a user through the interactive interface;
analyzing the received external cash register code information, and loading an external cash register page corresponding to the external cash register code according to an analysis result;
according to the received payment amount information, in the loaded external payment page, simulating a user to perform payment amount input operation and confirmation operation so as to send a payment request to a provider of an external payment code;
and the provider obtaining the external payment code responds to a payment confirmation message of the payment request and forwards the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete payment according to the payment confirmation message.
5. A code scanning payment method realizes interaction between a wallet client and an external collection page by using a proxy server, and the wallet client executes:
scanning to obtain an external payment code, and displaying an interactive interface for inputting payment amount;
receiving a payment amount input by a user at the interactive interface;
sending the information of the external collection code and the information of the payment amount to the proxy server so that the proxy server loads an external collection page corresponding to the external collection code and simulates a user to perform input operation and confirmation operation of the payment amount;
and obtaining a payment confirmation message forwarded by the proxy server, wherein the payment confirmation message is a message sent by a provider of the external payment code responding to the payment request, and prompting the user to finish payment according to the payment confirmation message.
6. A code scanning payment device, which utilizes a proxy server to realize the interaction between a wallet client and an external collection page, and is applied to the proxy server, the device comprises:
the information acquisition module is used for acquiring external collection code information and payment amount information sent by the wallet client; the wallet client is preconfigured to: after the external payment receiving code is obtained through scanning, displaying an interactive interface for inputting payment amount, and receiving the payment amount input by a user through the interactive interface;
the page loading module is used for analyzing the received external cash register code information and loading an external cash register page corresponding to the external cash register code according to an analysis result;
the input module is used for simulating a user to perform payment amount input operation and confirmation operation in the loaded external payment page according to the received payment amount information so as to send a payment request to a provider of an external payment code;
and the payment message forwarding module is used for obtaining a payment confirmation message of a provider of the external payment code responding to the payment request and forwarding the payment confirmation message to the wallet client so that the wallet client prompts the user to complete payment according to the payment confirmation message.
7. A code scanning payment device, which utilizes a proxy server to realize the interaction between a wallet client and an external collection page, is applied to the wallet client, and comprises the following components:
the interactive interface display module is used for scanning to obtain an external payment code and displaying an interactive interface for inputting payment amount;
the payment amount receiving module is used for receiving the payment amount input by the user at the interactive interface;
the information sending module is used for sending the information of the external cash register code and the information of the payment amount to the proxy server so that the proxy server loads an external cash register page corresponding to the external cash register code and simulates a user to perform payment amount input operation and confirmation operation;
and the payment confirmation message acquisition module is used for acquiring a payment confirmation message forwarded by the proxy server, wherein the payment confirmation message is a message sent by a provider of an external payment code responding to the payment request, and prompts a user to complete payment according to the payment confirmation message.
8. A code scanning payment system realizes interaction between a wallet client and an external collection page by using a proxy server, and comprises the wallet client and the proxy server;
a wallet client to perform: scanning to obtain an external payment code, and displaying an interactive interface for inputting payment amount; receiving a payment amount input by a user at the interactive interface; sending the information of the external cash register code and the information of the payment amount to the proxy server;
the proxy server executes: the proxy server analyzes the received external collection code information and loads an external collection page corresponding to the external collection code according to an analysis result; according to the received payment amount information, in the loaded external payment page, simulating a user to perform payment amount input operation and confirmation operation so as to send a payment request to a provider of an external payment code; and the provider obtaining the external payment code responds to a payment confirmation message of the payment request and forwards the payment confirmation message to the wallet client, so that the wallet client prompts the user to complete payment according to the payment confirmation message.
9. An electronic device, comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor implements the code scanning payment method of any one of claims 4-5 by executing the executable instructions.
10. A computer readable storage medium storing computer instructions which, when executed by a processor, implement the code-scanning payment method of any one of claims 4-5.
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| CN202110802820.2A CN113435881B (en) | 2021-07-15 | 2021-07-15 | Code scanning payment method and device |
| PCT/CN2022/100502 WO2023284505A1 (en) | 2021-07-15 | 2022-06-22 | Method and apparatus for code-scanning payment |
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| CN202110802820.2A CN113435881B (en) | 2021-07-15 | 2021-07-15 | Code scanning payment method and device |
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| CN113435881B (en) | 2022-04-22 |
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