CN113496395A

CN113496395A - Payment method and system

Info

Publication number: CN113496395A
Application number: CN202110568555.6A
Authority: CN
Inventors: 刘强
Original assignee: Chengjia Hotel Management Co ltd
Current assignee: Chengjia Hotel Management Co ltd
Priority date: 2021-05-25
Filing date: 2021-05-25
Publication date: 2021-10-12
Anticipated expiration: 2041-05-25
Also published as: CN113496395B

Abstract

The invention discloses a payment method, which comprises the following steps of collecting a first payment request of a target client in a current service scene, and creating a first payment bill of the target client by acquiring consumption conditions and payment conditions of the target client in all service scenes; acquiring a second payment request of a target client according to the first payment bill, and constructing payment parameters by acquiring parameter information of all service scenes; acquiring payment results of all service scenes based on the payment parameters to obtain a second payment bill of the target client; the payment system disclosed by the invention comprises a first payment system of the mobile equipment, a second payment system of the first server and a third payment system of the second server, and not only comprises an online payment process but also comprises an offline payment process through the mutual cooperation of the three payment systems, so that the whole process management of intelligent payment is realized.

Description

Payment method and system

Technical Field

The invention relates to the technical field of payment management, in particular to a payment method and a payment system.

Background

With the pace of core cities into the inventory era, a large number of vacant or low-efficiency utilization buildings exist in cities, and a large number of idle properties are urgently needed to be activated to improve the utilization efficiency and promote the function upgrading. Meanwhile, with the increasing number of mobile population, the rising of house price and other problems brought to social economy, the establishment of a reasonable residential lease market becomes an urgent task. The house leasing market is facing explosive development, and new generation consumers tend to obtain high-quality lodging environments, intelligent and differentiated leasing products due to the change of the demands of the new generation for the leasing experience. In this context, the industry of long lessons in china has entered an accelerated development period. Standardized, normalized and digitized operation management becomes the trend of forward development of the Chinese housing rental market.

In order to meet the increasingly intelligent leasing requirement, a payment method and a payment system are urgently needed to realize the intelligent payment management function of the digital leasing service.

Disclosure of Invention

In order to solve the above technical problem, the present invention provides a payment method, including the following steps:

acquiring a first payment request of a target client in a current service scene, and creating a first payment bill of the target client by acquiring consumption conditions and payment conditions of the target client in all service scenes, wherein the first payment bill is used for representing a bill to be paid of the target client;

acquiring a second payment request of a target client according to the first payment bill, and constructing payment parameters by acquiring parameter information of all service scenes;

and acquiring the payment results of all the business scenarios based on the payment parameters, and obtaining a second payment bill of the target customer, wherein the second payment bill is used for representing the paid bill of the target customer.

Preferably, before the first payment bill of the target client is created, the first payment request is checked, whether the first payment request is feasible or not is judged, and if the first payment request is feasible, the first payment bill is obtained; and if the verification is not feasible, sending first verification abnormal information to the current business scene, wherein the verified content at least comprises whether the coupon is available, whether the bill is paid or not and whether the payment is excessive or not.

Preferably, the payment mode of the target customer is obtained based on the second payment request, and the second payment bill is constructed.

Preferably, when obtaining the payment mode of the target customer, the payment mode includes online payment and offline payment, wherein the online payment at least includes WeChat payment, Payment treasure payment and bank POS payment, and the offline payment at least includes bank transfer, internal transfer, system wallet and channel merchant credit payment.

Preferably, when the payment parameters are constructed, the payment mode is online payment;

collecting first payment parameters of all service scenes, ordering the first payment parameters based on a HASH algorithm, and encrypting the first payment parameters through MD5 to obtain second payment parameters;

obtaining the payment parameters based on the second payment parameters and the second payment request.

Preferably, the payment parameter is verified based on the second payment parameter;

if the verification is passed, acquiring a second payment bill by collecting a payment result;

and if the verification fails, sending second abnormal verification information to the current service scene.

Preferably, in the process of obtaining the second payment bill, the number of times of call-back retries failed to obtain the second payment bill is set, and the number of times of call-back failures is used for recording the number of times of call-back retries, wherein the number of times of call-back retries failed is used for representing the corresponding situation of the second payment bill in all service scenarios, and the number of times of call-back retries failed is set to be 30 at most.

A payment system for use in a mobile device, comprising,

the first display module is used for displaying the first payment bill;

the first data storage module is used for storing the first payment bill and the client information of the target client;

the first communication module is connected with the first data storage module and used for sending or receiving first data information of the payment system;

and the first payment request generating module is used for obtaining the first payment request.

Preferably, a payment system for use in a first server, comprises,

the second display module is used for displaying a second payment bill;

the second data storage module is used for storing the first payment bill, the second payment bill and the customer information;

the second communication module is used for sending or receiving second data information of the payment system;

the second payment request generation module is used for obtaining a second payment request;

the sequencing encryption module is used for sequencing through a HASH algorithm and encrypting through MD5 to generate a second payment parameter;

a first verification module for verifying the first payment request;

the second verification module is used for verifying the payment parameters;

and the second payment bill callback module is used for calling back the second payment bill.

Preferably, a payment system, for use in a second server, comprises,

the third data storage module is used for storing the user data generated by the mobile equipment and the first server;

the data processing module is used for obtaining the custom habits and the activity tracks of the target customers through big data analysis according to the user data and providing user data support for providers of all service scenes;

and the third communication module is used for the information interaction between the second server and the mobile equipment as well as between the second server and the first server.

The invention discloses the following technical effects:

compared with the prior art, the technical scheme of the invention has the following beneficial effects:

the invention not only comprises the online payment process, but also comprises the offline payment process, the realized payment process is meticulous, the information interactivity and confidentiality are strong, and the whole process management of intelligent payment is realized.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings needed in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.

FIG. 1 is a flow chart of a method according to an embodiment of the present invention;

fig. 2 is a schematic structural diagram of a system according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.

As shown in fig. 1-2, the present invention provides a payment method, comprising the steps of:

Before the first payment bill of the target client is created, checking the first payment request, judging whether the first payment request is feasible or not, and if the first payment request is feasible, obtaining the first payment bill; and if the verification is not feasible, sending first verification abnormal information to the current business scene, wherein the verified content at least comprises whether the coupon is available, whether the bill is paid or not and whether the payment is excessive or not.

And acquiring the payment mode of the target client based on the second payment request, and constructing a second payment bill.

When the payment mode of the target customer is obtained, the payment mode comprises online payment and offline payment, wherein the online payment at least comprises WeChat payment, Payment treasure payment and bank POS payment, and the offline payment at least comprises bank transfer, internal balance, a system wallet and channel merchant credit payment.

When the payment parameters are constructed, the payment mode is online payment; collecting first payment parameters of all service scenes, ordering the first payment parameters based on a HASH algorithm, and encrypting the first payment parameters through MD5 to obtain second payment parameters; obtaining the payment parameters based on the second payment parameters and the second payment request.

Verifying the payment parameter based on the second payment parameter; if the verification is passed, acquiring a second payment bill by collecting a payment result; and if the verification fails, sending second abnormal verification information to the current service scene.

And in the process of obtaining the second payment bill, setting the number of times of call backs of the failed retries for obtaining the second payment bill, and recording the number of times of call backs of the failed retries, wherein the number of times of the call backs of the failed retries is used for representing the corresponding situation of the second payment bill in all the service scenes, and the number of times of the call backs of the failed retries is set to be 30 at most.

A payment system is used in a mobile device and comprises a first display module, a second display module and a payment module, wherein the first display module is used for displaying a first payment bill; the first data storage module is used for storing the first payment bill and the client information of the target client; the first communication module is connected with the first data storage module and used for sending or receiving first data information of the payment system; and the first payment request generating module is used for obtaining the first payment request.

A payment system is used in a first server and comprises a second display module, a first payment module and a second payment module, wherein the second display module is used for displaying a second payment bill; the second data storage module is used for storing the first payment bill, the second payment bill and the customer information; the second communication module is used for sending or receiving second data information of the payment system; the second payment request generation module is used for obtaining a second payment request; the sequencing encryption module is used for sequencing through a HASH algorithm and encrypting through MD5 to generate a second payment parameter; a first verification module for verifying the first payment request; the second verification module is used for verifying the payment parameters; and the second payment bill callback module is used for calling back the second payment bill.

A payment system for use in a second server, comprising,

The payment system refines a plurality of payment scenes and a plurality of payment modes (an abstract division of the payment modes):

(1) on-line payment

Data interaction with a three-party platform is required, including but not limited to three-party payment companies such as Payment treasures, WeChat and the like.

At present, the channels accessed by the payment mode mainly comprise: WeChat, Payment treasure, and industry POS.

The online payment is realized by uniformly submitting payment requests to a payment platform by each service, and the payment platform routes to various payment channels for payment according to a payment mode and stores.

Due to the diversification of the current payment mode and the payment scene, the current three-party large payment manufacturer platforms provide abundant payment scene choices, how the payment platform distinguishes the business scenes and distinguishes the business scenes, the current payment platform defines a set of payment modes aiming at the three-party platform, the payment modes are classified into a large class and a small class, the large class represents channels, and the small class represents scenes, and the detailed description is shown in the following table 1.

TABLE 1

(2) Offline payment

The general name of a payment mode which does not need to carry out data interaction with a single-party platform and only needs to interact with internal business or internal account balance is as follows, the current channels accessed by the payment mode mainly include: offline bank transfers, cash accounts, internal transfers and credit payments.

Order/admission/billing: and recording the actual amount due by the service.

The credit limit of the merchant: recording whether the merchant can use the credit payment, and recording the credit payment use record of the merchant.

Member account balance: and recording the remaining available balance of the membership payment user.

Accounting: all payment records of the user are recorded.

The payment method definition adopted for the management of the internal payment method is defined according to the actual service scene, as shown in table 2:

TABLE 2

And (3) payment process:

1. and (4) payment:

1.1 obtaining the payment mode which can be used in the current service scene, wherein the current stage is managed by each service module.

1.2, submitting payment, and verifying before payment aiming at the submitted payment by each service line, wherein the verification comprises service scenes that whether a coupon is available, whether a bill is paid, whether payment is excessive and the like cannot be paid, and if the verification fails, a foreground is informed that the payment is abnormal when the verification is initiated.

1.3, carrying out payment routing on the payment modes, selecting the payment class, and switching to the corresponding payment process, if the payment is on-line, please check '1.5', otherwise, switching to '1.4'.

And 1.4, after the corresponding fee deduction and accounting actions are carried out on the selected payment mode through off-line payment, recording the payment state of the payment order, recording the payment state into an accounting system, operating business payment scene requirements, and completing the off-line payment flow actions.

1.5 the necessary parameters needed for initiating payment are constructed, including information such as payment service order number, payment amount, payment mode and the like, and the information is sequenced through a HASH algorithm, then MD5 encrypts the information to generate a secret key Sign and transmits the secret key Sign and the request parameters to a payment platform.

1.6 the payment platform obtains the payment request, firstly, encryption is carried out according to the same encryption mode to obtain Sign and Sign submitted by a calling party for matching, if matching is successful, the submitted data is not tampered, follow-up operation can be carried out, verification is carried out on service scenes such as repeated submitted payment after passing, routing operation is carried out after passing verification, and a corresponding payment scene is found.

1.7 after finding the payment scene, will acquire the configuration information that current payment scene corresponds earlier, including trade company number, application number, callback address, payment secret key etc. obtain and establish payment request parameter according to the three-party SDK standard after the configuration, submit payment application request after, carry out the warehouse entry with this data of paying and save, wait to pay callback or JOB independently to inquire.

1.8 the follow-up payment callback or JOB autonomous query is in charge of obtaining the payment state of the submitted payment order and updating the payment result of the payment order, if the payment is successful, the callback state of the payment order is updated to the callback waiting party (callback service party), if the payment is failed, the payment result is only updated, and the payment is finished.

1.9JOB inquiries payment list waiting for callback of payment platform, constructs standard callback format and informs service party through callback address, where failure retry callback times are set, if callback fails, the number of failure times is counted once, and if 30 times of callback is maximum, no retry is carried out.

And 1.10 the service side receives the payment callback result, records the payment state of the payment order, counts into an accounting system, operates the service payment scene requirement, and finishes the on-line payment flow action.

The above is a complete payment process, but in actual application, partial payment scenes may not be paid according to the complete payment process, for example, when the secret payment is exempted in the WeChat code scanning payment scene, the payment result is synchronously obtained and recorded in the above 1.7 step, and there are no subsequent service scenes such as payment callback and the like, so that the specific payment scene can be flexibly applied and customized and developed according to the actual payment scene.

The payment platform has the requirements of refund business besides the payment function, and the standard payment platform refund follows several principles: the original in and out principle is that the refund has a corresponding payment order principle, and the refund amount is not larger than the payment order amount principle. The above principles are not only provided for business scenes, but also important for avoiding some potential safety hazards brought by some legal aspects, such as money laundering and the like.

At present, the main process and the payment process of the payment platform are different in size, and detailed description is omitted here.

The payment platform supports different merchants for different business parties such as different stores in different business scenes.

The payment platform is considered not to determine the flow of money, the payment platform provides a set of complete payment functions, and a client selects a payment mode payment scene by self and configures payment elements to complete payment actions. Based on the thought, the problem that multiple paying parties (shops, business scenes and the like) correspond to different payment account numbers is considered in the design process, and a set of flexible payment routing process is designed for the scene.

The process is as follows:

and (3) entering payment elements of the payment platform, acquiring a payment merchant number configured by the user according to the payer, wherein the payment merchant number and the payment service party are 1: the relationship of N.

And acquiring a payment merchant number, acquiring corresponding payment configuration parameters according to the payment merchant number and a payment channel, storing the payment configuration in a JSON mode at present, and storing the payment configuration in a database.

And calling the parameter structure according to the specific configuration component 3, and submitting three-party payment to complete the payment process.

It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus once an item is defined in one figure, it need not be further defined and explained in subsequent figures, and moreover, the terms "first", "second", "third", etc. are used merely to distinguish one description from another and are not to be construed as indicating or implying relative importance.

Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the present invention in its spirit and scope. Are intended to be covered by the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A payment method, comprising the steps of:

acquiring a second payment request of the target client according to the first payment bill, and constructing payment parameters by acquiring parameter information of all service scenes;

and acquiring payment results of all the business scenarios based on the payment parameters to obtain a second payment bill of the target customer, wherein the second payment bill is used for representing the paid bill of the target customer.

2. A payment method as claimed in claim 1, wherein before the first payment bill of the target client is created, the first payment request is checked to determine whether the first payment request is available, and if so, the first payment bill is obtained; and if the verification is not feasible, sending first verification abnormal information to the current business scene, wherein the verified content at least comprises whether the coupon is available, whether the bill is paid or not and whether the payment is excessive or not.

3. A payment method as claimed in claim 1, wherein the second payment bill is constructed by obtaining the payment method of the target customer based on the second payment request.

4. A payment method as claimed in claim 3, comprising, when obtaining payment means of the target customer, the payment means including online payment and offline payment, wherein the online payment includes at least WeChat payment, Payment treasurement payment, and band POS payment, and the offline payment includes at least bank transfer, internal balance, system wallet, channel merchant credit payment.

5. A payment method as claimed in claim 4, wherein the payment method is an online payment when the payment parameters are constructed;

collecting first payment parameters of all the service scenes, ordering the first payment parameters based on a HASH algorithm, and encrypting the first payment parameters through MD5 to obtain second payment parameters;

6. A payment method as claimed in claim 5, wherein the payment parameter is verified based on the second payment parameter;

if the verification is passed, acquiring the second payment bill by collecting the payment result;

7. The payment method as claimed in claim 6, wherein in the process of obtaining the second payment bill, a number of failed retry call-backs for obtaining the second payment bill is set, and is used for recording a number of call-back failures, wherein the number of failed retry call-backs is used for indicating a corresponding situation of the second payment bill in all the business scenarios, and the number of failed retry call-backs is set to be 30 at most.

8. A payment system for a payment method according to any one of claims 1 to 7 wherein the payment system is used in a mobile device, comprising, a first display module for displaying the first payment bill;

a first data storage module for storing the first payment bill and the customer information of the target customer;

9. The payment system as claimed in claim 8, wherein the payment system is used in a first server, comprising a second display module for displaying the second bill for payment;

a second payment request generation module, configured to obtain the second payment request;

a sorting encryption module, configured to sort through the HASH algorithm, encrypt through the MD5, and generate the second payment parameter;

a first verification module for verifying the first payment request;

a second verification module for verifying the payment parameters;

10. The payment system of claim 9, wherein the payment system is used in a second server, comprising a third data storage module for storing user data generated by the mobile device and the first server;

and the third communication module is used for the information interaction between the second server and the mobile equipment and between the second server and the first server.