CN113496407A

CN113496407A - Contract signing application processing method and device, electronic equipment and storage medium

Info

Publication number: CN113496407A
Application number: CN202010204526.7A
Authority: CN
Inventors: 潘舒婕; 孔令斌
Original assignee: NetsUnion Clearing Corp
Current assignee: NetsUnion Clearing Corp
Priority date: 2020-03-21
Filing date: 2020-03-21
Publication date: 2021-10-12

Abstract

The application provides a contract signing application processing method, a contract signing application processing device, electronic equipment and a storage medium, wherein the contract signing application processing method is applied to a clearing mechanism and comprises the following steps: receiving a signing request from a receiving mechanism, wherein the signing request carries signing application information; extracting an account name, a first account mechanism identification, a certificate type and a certificate number in the signing application information; under the condition that the signing application information is successfully verified, generating encrypted signing information and a jump address based on the signing application information, sending the encrypted signing information to a receiving mechanism, sending the encrypted signing information to a first account mechanism corresponding to a first account mechanism identifier by the receiving mechanism, and sending the jump address to a user terminal initiating a signing request; receiving a signing processing result from the first account mechanism and forwarding the signing processing result to the accepting mechanism; the first account mechanism generates a signing processing result according to the encrypted signing information and the signing information from the user terminal. Therefore, the payment signing application is processed through the account mechanism, and the security of signing application processing is facilitated.

Description

Contract signing application processing method and device, electronic equipment and storage medium

Technical Field

The present application relates to the field of payment processing technologies, and in particular, to a method and an apparatus for processing a subscription application, an electronic device, and a storage medium.

Background

At present, in the existing third-party payment network signing service mode, an account mechanism performs identity authentication and protocol authorization through user information sent by a verification acceptance mechanism, but the mode has certain defects. For example, in a service scenario with a large amount or a relatively high risk, identity authentication and subscription information performed only according to user information cannot meet the own wind control requirement of an account institution, and cannot support a subscription payment service scenario with a high wind control requirement of the account institution. For another example, when signing, a payment limit cannot be set for a signed account, transaction risk is increased, and control of a transaction amount by a user cannot be realized.

Disclosure of Invention

The present application is directed to solving, at least to some extent, one of the technical problems in the related art.

Therefore, the application provides a signing application processing method, which solves the technical problem that the signing payment service scene with higher requirements on account mechanism wind control cannot be supported in the prior art, and the signing application is processed through the account mechanism, so that the security of signing application processing is facilitated.

An embodiment of a first aspect of the present application provides a method for processing a contract application, which is applied to a clearing institution, and includes:

receiving a signing request from an acceptance mechanism, wherein the signing request carries signing application information;

extracting an account name, a first account mechanism identification, a certificate type and a certificate number in the signing application information;

under the condition that the signing application information is successfully verified, encrypted signing information and a jump address are generated based on the signing application information and are sent to the accepting mechanism, so that the accepting mechanism sends the encrypted signing information to a first account mechanism corresponding to the first account mechanism identification, and the accepting mechanism sends the jump address to a user terminal initiating the signing request;

receiving a signing processing result from the first account mechanism, and forwarding the signing processing result to the accepting mechanism; and the first account mechanism generates the signing processing result according to the encrypted signing information and the signing information from the user terminal.

An embodiment of a second aspect of the present application provides a method for processing a subscription application, which is applied to an account mechanism, and includes:

receiving encrypted signing information sent by a receiving mechanism; the encrypted signing information is generated by a clearing mechanism and is sent to the accepting mechanism;

receiving subscription information sent by a user terminal through accessing a jump address, wherein the jump address is generated by the clearing mechanism and is sent to the acceptance mechanism;

and performing subscription processing according to the encrypted subscription information and the subscription information from the user terminal, generating a subscription processing result and sending the subscription processing result to a clearing mechanism, so that the clearing mechanism sends the subscription processing result to the receiving mechanism.

An embodiment of a third aspect of the present application provides a method for processing a contracted application, which is applied to an acceptance mechanism, and includes:

receiving a signing request from a user terminal, and calling a preset signing interface to submit the signing request to a clearing mechanism; the signing request carries signing application information of an account name, a first account mechanism identification, a certificate type and a certificate number;

receiving encrypted subscription information and a jump address sent by the clearing mechanism;

sending the encrypted signing information to an account mechanism so that the account mechanism generates a signing processing result according to the encrypted signing information and the signing information from the user terminal; and the user terminal jumps to an account mechanism gateway page corresponding to the jump address and receives the subscription information of the user terminal through a preset safety device.

An embodiment of a fourth aspect of the present application provides a method for processing a subscription application, which is applied to a user terminal, and includes:

receiving signing application information input by a user, generating a signing request according to the signing application information, and sending the signing request to a receiving mechanism;

receiving a jump address sent by the acceptance mechanism; the skip address is generated by the clearing mechanism based on the signing application information and is sent to the acceptance mechanism;

and jumping to an account mechanism gateway page corresponding to the jump address, receiving signing information on the account mechanism gateway page through a preset safety device, and sending the signing information to an account mechanism, so that the account mechanism generates a signing processing result according to the encrypted signing information and the signing information and sends the signing processing result to a clearing mechanism.

The embodiment of the fifth aspect of the present application provides a payment processing method, which is applied to a clearing institution, and includes:

receiving a payment request from an acceptance mechanism, wherein the payment request comprises a payment amount and a payment account;

forwarding the payment request to the account mechanism corresponding to the payment account so that the account mechanism completes payment processing of the payment amount through the payment account; the account mechanism completes the signing processing of the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal;

and receiving a payment result returned by the account mechanism, and sending the payment result to the acceptance mechanism so that the acceptance mechanism sends the payment result to the user terminal.

An embodiment of a sixth aspect of the present application provides a clearinghouse comprising:

the first receiving module is used for receiving a signing request from an acceptance mechanism, wherein the signing request carries signing application information;

the extraction module is used for extracting the account name first account mechanism identification certificate type and the certificate number in the signing application information;

a generation and transmission module, configured to generate encrypted subscription information and a jump address based on the subscription application information and transmit the encrypted subscription information and the jump address to the acceptance mechanism when the subscription application information is successfully verified, so that the acceptance mechanism transmits the encrypted subscription information to a first account mechanism corresponding to the first account mechanism identifier, and the acceptance mechanism transmits the jump address to a user terminal corresponding to the user identifier information that initiates the subscription request;

the receiving and forwarding module is used for receiving the signing processing result from the first account mechanism and forwarding the signing processing result to the accepting mechanism; and the first account mechanism generates the signing processing result according to the encrypted signing information and the signing information from the user terminal.

An embodiment of a seventh aspect of the present application provides an account mechanism, including:

the second receiving module is used for receiving the encrypted subscription information sent by the acceptance mechanism; the encrypted signing information is generated by a clearing mechanism and is sent to the accepting mechanism;

the third receiving module is used for receiving the subscription information sent by the user terminal through accessing a jump address, and the jump address is generated by the clearing mechanism and sent to the acceptance mechanism;

and the generation module is used for carrying out subscription processing according to the encrypted subscription information and the subscription information from the user terminal, generating a subscription processing result and sending the subscription processing result to a clearing mechanism so that the clearing mechanism sends the subscription processing result to the acceptance mechanism.

An eighth aspect of the present application provides a receiving mechanism, including:

the receiving and submitting module is used for receiving a signing request from a user terminal and calling a preset signing interface to submit the signing request to a clearing mechanism; the signing request carries signing application information of an account name, a first account mechanism identification, a certificate type and a certificate number;

the fourth receiving module is used for receiving the encrypted subscription information and the jump address sent by the clearing mechanism;

a sending module, configured to send the encrypted subscription information to an account mechanism, so that the account mechanism generates a subscription processing result according to the encrypted subscription information and subscription information from the user terminal; the user terminal jumps to an account mechanism gateway page corresponding to the jump address and receives subscription information of the user terminal through a preset safety device;

and the fifth receiving module is used for receiving the signing processing result sent by the account mechanism through the clearing mechanism.

An embodiment of a ninth aspect of the present application provides a user terminal, including:

the first receiving and sending module is used for receiving signing application information input by a user, generating a signing request according to the signing application information and sending the signing request to a receiving mechanism;

a sixth receiving module, configured to receive the jump address sent by the acceptance mechanism; the skip address is generated by the clearing mechanism based on the signing application information and is sent to the acceptance mechanism;

and the skip receiving module is used for skipping to an account mechanism gateway page corresponding to the skip address, receiving the signing information at the account mechanism gateway page through a preset safety device and sending the signing information to an account mechanism, so that the account mechanism generates a signing processing result according to the encrypted signing information and the signing information and sends the signing processing result to a clearing mechanism.

A tenth aspect of the present application provides a clearinghouse, including:

a seventh receiving module, configured to receive a payment request from an acceptance mechanism, where the payment request includes a payment amount and a payment account;

the forwarding module is used for forwarding the payment request to the account mechanism corresponding to the payment account so that the account mechanism completes payment processing of the payment amount through the payment account; and the account mechanism completes the signing processing of the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal.

And the second receiving and sending module is used for receiving the payment result returned by the account mechanism and sending the payment result to the acceptance mechanism so that the acceptance mechanism sends the payment result to the user terminal.

An embodiment of an eleventh aspect of the present application provides a system for processing a contracted application, where the system includes: a clearing mechanism according to an embodiment of a sixth aspect, an account mechanism according to an embodiment of a seventh aspect, an acceptance mechanism according to an embodiment of an eighth aspect, and a user terminal according to an embodiment of a ninth aspect; wherein the content of the first and second substances,

the user terminal receives signing application information input by a user, generates a signing request according to the signing application information and sends the signing request to the acceptance mechanism;

the acceptance mechanism calls a preset signing interface to submit the signing request to the clearing mechanism;

the clearing mechanism receives the signing request, and the signing request carries signing application information;

the clearing mechanism generates encrypted signing information and a jump address and sends the encrypted signing information and the jump address to the acceptance mechanism under the condition that the signing application information is successfully verified;

the acceptance mechanism sends the encrypted signing information to the account mechanism and sends the jump address to the user terminal;

the user terminal jumps to an account mechanism gateway page corresponding to the jump address, receives subscription information input by a user through the account mechanism gateway page and sends the subscription information to an account mechanism;

and the account mechanism performs signing processing according to the encrypted signing information and the signing information from the user terminal, generates a signing processing result and sends the signing processing result to the clearing mechanism, so that the clearing mechanism sends the signing processing result to the accepting mechanism.

An embodiment of a twelfth aspect of the present application provides a payment processing system, including: a clearing mechanism, an account mechanism, an acceptance mechanism and a user terminal according to the tenth aspect of the embodiment; wherein the content of the first and second substances,

the user terminal receives payment information input by a user, generates a payment request according to the payment information and sends the payment request to the acceptance mechanism;

the acceptance mechanism calls a preset payment interface to submit the payment request to the clearing mechanism, wherein the payment request comprises payment amount and a payment account;

the clearing mechanism forwards the payment request to the account mechanism corresponding to the payment account;

the account mechanism completes payment processing of the payment amount through the payment account; and the account mechanism completes the signing processing of the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal.

The clearing mechanism receives the payment result sent by the account mechanism and sends the payment result to the acceptance mechanism;

and the acceptance mechanism returns the payment result to the user terminal.

An embodiment of a thirteenth aspect of the present application provides an electronic device, including: a memory, a processor and a computer program stored on the memory and executable on the processor, when executing the program, implementing the contract application processing method as described in the foregoing method embodiments, and the payment processing method as described in the foregoing method embodiments.

A fourteenth aspect of the present application provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the contract application processing method described in the foregoing method embodiment and the payment processing method described in the foregoing method embodiment.

The technical scheme provided by the embodiment of the application can have the following beneficial effects:

receiving a signing request from a receiving mechanism, wherein the signing request carries signing application information; extracting an account name, a first account mechanism identification, a certificate type and a certificate number in the signing application information; under the condition that the signing application information is successfully verified, encrypted signing information and a jump address are generated based on the signing application information and are sent to an acceptance mechanism, so that the acceptance mechanism sends the encrypted signing information to a first account mechanism corresponding to a first account mechanism identifier, and the acceptance mechanism sends the jump address to a user terminal initiating a signing request; receiving a signing processing result from the first account mechanism, and forwarding the signing processing result to the accepting mechanism; and the first account mechanism generates a signing processing result according to the encrypted signing information and the signing information from the user terminal. Therefore, the payment signing application is processed through the account mechanism, and the security of signing application processing is improved.

Drawings

The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:

fig. 1 is a schematic flowchart of a method for processing a contracted application according to an embodiment of the present application;

fig. 2 is a schematic flowchart of another method for processing a contracted application according to an embodiment of the present application;

fig. 3 is a schematic flowchart of another method for processing a contracted application according to an embodiment of the present application;

fig. 4 is a schematic flowchart of another method for processing a contracted application according to an embodiment of the present application;

fig. 5 is a schematic flowchart of a method for processing a contracted application according to an embodiment of the present application;

fig. 6 is an exemplary diagram of a method for processing a contracted application according to an embodiment of the present application;

fig. 7 is a schematic flowchart of a payment processing method according to an embodiment of the present application;

FIG. 8 is an exemplary diagram of a payment processing method provided in an embodiment of the present application;

FIG. 9 is a schematic diagram of a clearing mechanism provided in an embodiment of the present application;

FIG. 10 is a schematic diagram of an account mechanism according to an embodiment of the present application;

fig. 11 is a schematic structural diagram of a receiving mechanism according to an embodiment of the present application;

fig. 12 is a schematic structural diagram of a user terminal according to an embodiment of the present application;

FIG. 13 is a schematic diagram of another clearinghouse provided in accordance with an embodiment of the present application;

fig. 14 is a schematic structural diagram of a system for processing a contracted application according to an embodiment of the present application.

Detailed Description

Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary and intended to be used for explaining the present application and should not be construed as limiting the present application.

A method, an apparatus, an electronic device, and a storage medium for processing a subscription application according to an embodiment of the present application are described below with reference to the drawings.

Specifically, in order to make the description of the contracted application processing method more clear to those skilled in the art, the contracted application processing method in the present application includes: the account mechanism, the clearing mechanism, the user terminal and the acceptance mechanism are used for explanation.

The account institution provides the account system service for the user, receives and processes the signing or payment instruction forwarded by the clearing institution, and settles the fund of the user. The account institution may be a bank account institution or may be a third party payment institution.

The acceptance mechanism provides various payment modes for the user to accept, receive and process the signing or payment instruction forwarded by the clearing mechanism.

The clearing institution is an institution approved by the Chinese people bank and responsible for processing fund clearing business related to the payment institution and the bank, and is responsible for receiving and processing a signing or payment instruction, clearing and clearing the transaction fund and playing a role in transferring in account signing.

And the user terminal inputs the signing information required for completing signing application for the user through the webpage corresponding to the acceptance mechanism or the webpage corresponding to the account mechanism.

In practical application, before a user needs to pay through an acceptance mechanism, a bank account signing is performed, namely the acceptance mechanism needs to obtain authorization of the user and an account mechanism before payment, and agrees to initiate a network payment instruction to the bank account of the user to deduct funds.

However, in the existing signing application processing mode technology, the acceptance mechanism collects information such as a user name, a user bank account, a user certificate number, a user mobile phone number and the like, and then sends the information to the account mechanism through the clearing mechanism, and then the account mechanism performs user identity authentication and protocol authorization.

Fig. 1 is a schematic flowchart of a method for processing a subscription application according to an embodiment of the present application.

In order to more clearly describe the contract application processing method of the present application, first, a clearinghouse side is described, as shown in fig. 1, the method includes the following steps:

step 101, receiving a subscription request from an acceptance mechanism, wherein the subscription request carries subscription application information.

And 103, extracting the account name, the first account mechanism identification, the certificate type and the certificate number in the signing application information.

Specifically, the user generates a subscription request carrying the subscription application information from one or more pieces of information, such as an account type, an account number, an account name, an account mechanism identifier, a certificate type, a certificate number, a mobile phone number (a mobile phone number reserved in an account mechanism), an acceptance mechanism identifier, an acceptance mechanism number, and the like, input at the user terminal, and sends the subscription application through the acceptance mechanism.

Therefore, after receiving the signing request carrying the signing application information, the clearing mechanism can extract the account name, the first account mechanism identification, the certificate type and the certificate number from the signing application information according to the service scene requirement.

And 105, when the signing application information is successfully verified, generating encrypted signing information and a jump address based on the signing application information, and sending the encrypted signing information and the jump address to the accepting mechanism so that the accepting mechanism sends the encrypted signing information to a first account mechanism corresponding to the first account mechanism identification, and the accepting mechanism sends the jump address to the user terminal initiating the signing request.

Step 107, receiving the signing processing result from the first account mechanism, and forwarding the signing processing result to the accepting mechanism; and the first account mechanism generates a signing processing result according to the encrypted signing information and the signing information from the user terminal.

Specifically, in order to further improve the security of the contract, the clearinghouse needs to verify the contract application information, and if the verification is successful, the encrypted contract information and the jump address are generated based on the contract application information and transmitted to the receiving house.

There are many ways to verify the subscription application information, which can be selected according to the needs, for example, as follows:

as an example, whether the certificate number conforms to a certificate number standard format corresponding to the certificate type is judged; judging whether the account name meets the standard format of the account agency name; and under the condition that the certificate number conforms to the standard format of the certificate number and the account name conforms to the standard format of the account institution name, determining that the signing application information is successfully verified.

For example, the certificate type is an identity card, the corresponding certificate number standard format is 18 digits, whether the certificate number is 18 digits is judged, the account institution name standard format is only Chinese, namely whether the account name is all Chinese is judged, and the success of the signing application information verification is determined when the certificate number is 18 digits and the account name is all Chinese.

It should be noted that, if the subscription application information further includes a mobile phone number, an account number, and the like, verification needs to be performed according to a corresponding standard format, that is, the account number and the mobile phone number are also verified by the clearing institution, and part of the information is put into the encrypted information and is transmitted to the first account institution.

Further, generating encrypted subscription information based on the subscription application information, wherein the information content to be encrypted includes: account institution identification, account type, account number, account name, certificate type, certificate number, mobile phone number, acceptance institution identification, acceptance institution number, transaction category, transaction serial number, transaction date and time, bounce address, etc., the processing of the subscription application for the present application may only include: the system comprises a first account institution identification, an account name, a certificate type, a certificate number, an acceptance institution identification, a transaction category, a transaction serial number, a transaction date and time and a skip back address.

Further, the information such as the account name, the certificate type, the certificate number and the like can be generated by performing encryption processing according to a preset encryption algorithm (such as a national encryption algorithm, an international algorithm and the like), for example, an asymmetric encryption mode is adopted, a symmetric encryption key is encrypted through a public key certificate of an account institution to generate a digital envelope, that is, the public key certificates of different account institutions are different, so that the encryption keys of different account institutions are different; for another example, in the asymmetric encryption algorithm, the encryption key corresponding to the account institution refers to a public key of the account institution, and the decryption key refers to a private key of the account institution.

It can be understood that there are many ways to generate the encrypted subscription information based on the subscription application information, which are illustrated as follows:

in a first example, a first account mechanism is determined according to a first account mechanism identifier, an encryption key corresponding to the first account mechanism is obtained, and an account name, a certificate type and a certificate number are encrypted through the encryption key to generate encrypted signing information; the decryption key corresponding to the encryption key is stored in the first account entity, and the decryption key corresponding to the encryption key is not stored in the acceptance entity.

A second example is that a first account mechanism is determined according to a first account mechanism identifier, an encryption key corresponding to the first account mechanism is obtained, and information such as an account name, an account number, a certificate type, a certificate number, a user mobile phone number and the like is encrypted through the encryption key to generate encrypted signing information; the decryption key corresponding to the encryption key is stored in the first account entity, and the decryption key corresponding to the encryption key is not stored in the acceptance entity.

That is, the decryption key corresponding to the encryption key is stored in the account institution, the encrypted subscription information and the jump address are transmitted to the acceptance institution, the acceptance institution cannot decrypt the encrypted subscription information, only the acceptance institution transmits the encrypted subscription information to the account institution corresponding to the first account institution identification, and the account institution can decrypt the encrypted subscription information and perform the related subscription processing operation, thereby further improving the security of the subscription application processing.

Furthermore, there are many ways to generate the jump address based on the subscription application information, and as a possible implementation way, the jump address is obtained based on the preset corresponding relationship between the first account mechanism identifier and the jump address.

Specifically, the clearing institution prestores a jump address corresponding to the account institution identification, so as to obtain the jump address according to a preset corresponding relationship between the first account institution identification and the jump address, wherein the jump address can be understood as a link address corresponding to the account institution gateway page.

It can be understood that, after generating the signing application information, generating the encrypted signing information and the jump address, and sending the encrypted signing information and the jump address to the accepting mechanism, the accepting mechanism sends the encrypted signing information to the first account mechanism corresponding to the first account mechanism identifier, and the accepting mechanism sends the jump address to the user terminal corresponding to the signing request, so that the first account mechanism generates the signing processing result according to the encrypted signing information and the signing information from the user terminal.

Finally, a subscription process result from the first account institution may be received, and a subsequent payment processing operation may be performed according to the subscription result.

In the signing application processing method of the embodiment of the application, a signing request from an acceptance mechanism is received, wherein the signing request carries signing application information; extracting an account name, a first account mechanism identification, a certificate type and a certificate number in the signing application information; under the condition that the signing application information is successfully verified, encrypted signing information and a jump address are generated based on the signing application information and are sent to an acceptance mechanism, so that the acceptance mechanism sends the encrypted signing information to a first account mechanism corresponding to a first account mechanism identifier, and the acceptance mechanism sends the jump address to a user terminal initiating a signing request; receiving a signing processing result from the first account mechanism, and forwarding the signing processing result to the accepting mechanism; and the first account mechanism generates a signing processing result according to the encrypted signing information and the signing information from the user terminal. Therefore, the contract signing application is processed through the account mechanism, and the safety of contract signing application processing is facilitated.

Based on the description of the above embodiment, it can also be understood that, in the payment processing method in the prior art, when the user uses the gateway payment method to perform a transaction each time, the user terminal jumps from the page corresponding to the acceptance mechanism to the page corresponding to the account mechanism through the internet environment to perform an operation, so that the problem of payment failure caused by page jump in each payment cannot be avoided, and there are risks that transaction information is hijacked in the jump process, dependence on security devices such as a security control or a U-shield in the payment process, and technical problems that the payment operation is complicated.

By the subscription application processing method of the embodiment, the user terminal page jumps to the account mechanism gateway page to submit the subscription information, so that the protocol payment function of the service with relatively high risk is processed, and therefore, page jumping is not needed for subsequent payment processing, and the security of payment processing is improved, which is described with reference to fig. 2.

Fig. 2 is a schematic flow chart of another subscription application processing method provided in the embodiment of the present application.

As shown in fig. 2, after step 107, the method further includes:

step 201, a payment request from an acceptance mechanism is received, wherein the payment request comprises a payment amount and a payment account.

Step 203, forwarding the payment request to a second account mechanism corresponding to the payment account, so that the second account mechanism completes payment processing of the payment amount through the payment account; and the second account mechanism is an account mechanism corresponding to the payment account in the signed multiple first account mechanisms.

And step 205, receiving the payment result returned by the second account mechanism, and sending the payment result to the acceptance mechanism so that the acceptance mechanism sends the payment result to the user terminal.

Specifically, when a user uses a signed account for payment, a payment request is submitted to an acceptance mechanism through a user terminal, after the acceptance mechanism receives the payment request, a payment interface is called, the payment request is lifted up to a clearing mechanism, the clearing mechanism forwards the payment request to a second account mechanism to which a payment account belongs, the second account mechanism receives the payment request of the clearing mechanism and carries out payment processing, the second account mechanism returns a payment result to the clearing mechanism, the clearing mechanism returns the payment result to the acceptance mechanism, and the acceptance mechanism displays the payment result to the user through the user terminal to complete payment.

It should be noted that, the user may select one account institution among the plurality of signed first account institutions to perform payment processing, and therefore, the second account institution is any one account institution among the plurality of signed first account institutions, which further improves the user experience.

In the contract signing application processing method of the embodiment of the application, a payment request from an acceptance mechanism is received, the payment request comprises a payment amount and a payment account, and the payment request is forwarded to a second account mechanism corresponding to the payment account, so that the second account mechanism completes payment processing of the payment amount through the payment account; the second account mechanism is any one of the signed first account mechanisms, receives the payment result returned by the second account mechanism, and sends the payment result to the acceptance mechanism, so that the acceptance mechanism sends the payment result to the user terminal. Therefore, when the payment service scene with higher risk is carried out, the payment does not need to be carried out by jumping to the account mechanism gateway through the page every time, the problem of payment failure caused by page jumping in each payment process is greatly reduced, the risk that transaction information is hijacked in the jumping process is reduced, dependence on safety equipment such as a safety control or a U shield in the payment process is reduced, and the payment convenience is improved.

In order to more fully describe the above embodiments, this embodiment provides another signing application processing method, which is described by using an account institution side, and fig. 3 is a schematic flow diagram of another signing application processing method provided in this embodiment of the application.

As shown in fig. 3, the method may include the steps of:

in step 301, the encrypted contract information transmitted by the accepting mechanism is received, and the encrypted contract information is generated by the clearing mechanism and transmitted to the accepting mechanism.

Step 303, receiving the subscription information sent by the user terminal by accessing the jump address, wherein the jump address is generated by the clearing mechanism and sent to the accepting mechanism.

In step 305, the contract signing process is performed based on the encrypted contract signing information and the contract signing information from the user terminal, and the contract signing process result is generated and transmitted to the clearing mechanism so that the clearing mechanism transmits the contract signing process result to the receiving mechanism.

Specifically, the clearing mechanism needs to verify the signing application information, and if the verification is successful, the encrypted signing information and the jump address are generated based on the signing application information and are sent to the accepting mechanism, the decryption key corresponding to the encryption key is stored in the account mechanism, the encrypted signing information and the jump address are sent to the accepting mechanism, the accepting mechanism cannot decrypt, only the accepting mechanism sends the encrypted signing information to the account mechanism corresponding to the first account mechanism identifier, and the account mechanism can decrypt the encrypted signing information and perform related signing processing operations.

The user terminal receives the jump address sent by the acceptance mechanism, jumps to the account mechanism gateway page corresponding to the jump address, receives the subscription information on the account mechanism gateway page and sends the subscription information to the account mechanism.

It will be appreciated that receiving subscription information may include one or more of an account number, an account password, a certificate type, a certificate number, and the like. The subscription information can be received by pre-installing a security control or inserting security equipment such as a U shield and the like, so that the security of subscription application is further ensured.

Therefore, there are many ways to perform subscription processing according to the encrypted subscription information and the subscription information from the user terminal, and as one possible implementation way, the subscription information of the user terminal includes: the method comprises the steps that account numbers, account passwords, a first certificate type and a first certificate number are used for decrypting encrypted signing information through a decryption key to obtain account names, a second certificate type and a second certificate number; the method comprises the steps of storing an encryption key corresponding to a decryption key in a clearing institution, matching an account name, a second certificate type and a second certificate number with pre-registered user information, determining a candidate account, acquiring a target account in the candidate account according to the account number, and completing signing of the target account under the condition that an account password, a first certificate type and a first certificate number are matched with account information corresponding to the target account.

Further, the account mechanism signing processing result is sent to the clearing mechanism, and the clearing mechanism sends the signing processing result to the accepting mechanism, so that the user can know the signing result in time to perform subsequent payment processing operation, and the user experience is improved.

It can be understood that, during signing, if the payment limit cannot be set for the signed account, the transaction risk is increased, and the control of the user on the transaction amount cannot be realized, therefore, the signing application processing method of the application can enable the user to set the payment limit for the signed account during signing, reduce the transaction risk of the user to a certain extent, as a possible implementation manner, receive the amount adjustment instruction including the payment amount sent by the user terminal, and adjust the payment amount of the target account according to the payment amount.

Therefore, the method and the device realize that the security of signing can be improved and the risk of account theft is reduced by using a security device, submitting account password verification, filling in user information and the like by a user at an account mechanism side gateway, increase a way for the user to actively adjust the payment limit, and the user can set the payment limit for a signing account during signing, thereby reducing the transaction risk of the user to a certain extent.

In the contract signing application processing method according to the embodiment of the application, encrypted contract signing information sent by the receiving mechanism is received, the encrypted contract signing information is generated and sent to the receiving mechanism by the clearing mechanism, contract signing information sent by a user terminal through accessing a jump address is received, the jump address is generated and sent to the receiving mechanism by the clearing mechanism, contract signing processing is performed according to the encrypted contract signing information and the contract signing information from the user terminal, a contract signing processing result is generated and sent to the clearing mechanism, and the clearing mechanism sends the contract signing processing result to the receiving mechanism. Therefore, the payment signing application is processed through the account mechanism, and the security of signing application processing is facilitated.

In order to more fully describe the above embodiments, the present embodiment provides another method for processing a subscription application, which is described by the accepting mechanism side, and fig. 4 is a schematic flow chart of another method for processing a subscription application provided in the embodiments of the present application.

As shown in fig. 4, the method may include the steps of:

step 401, receiving a signing request from a user terminal, calling a preset signing interface to submit the signing request to a clearing institution, wherein the signing request carries signing application information of an account name, a first account institution identification, a certificate type and a certificate number.

And step 403, receiving the encrypted subscription information and the jump address sent by the clearing institution.

Step 405, sending the encrypted subscription information to the account institution, so that the account institution generates a subscription processing result according to the encrypted subscription information and the subscription information from the user terminal; and the user terminal jumps to the account mechanism gateway page corresponding to the jump address and receives the subscription information of the user terminal through the preset safety equipment.

Step 407, receiving the signing processing result sent by the account institution through the clearing institution.

Specifically, the user generates a subscription request carrying subscription application information, such as one or more of an account type, an account number, an account name, an account mechanism identifier, a certificate type, a certificate number, a mobile phone number, and the like, input at the user terminal, and sends the subscription request to the acceptance mechanism, so that the acceptance mechanism sends the subscription application.

Therefore, when the receiving and clearing mechanism successfully verifies the contract application information, the accepting mechanism generates encrypted contract information and a jump address based on the contract application information, and further, the accepting mechanism transmits the encrypted contract information to the account mechanism corresponding to the account mechanism identifier and transmits the jump address to the user terminal that initiated the contract request, so that the account mechanism generates a contract processing result based on the encrypted contract information and the contract information from the user terminal.

Further, a signing processing result sent by the account mechanism through the clearing mechanism is received.

In the signing application processing method of the embodiment of the application, a signing request from a user terminal is received, a preset signing interface is called to submit the signing request to a clearing mechanism, the signing request carries signing application information of an account name, a first account mechanism identifier, a certificate type and a certificate number, encrypted signing information and a jump address sent by the clearing mechanism are received, and the encrypted signing information is sent to the account mechanism so that the account mechanism generates a signing processing result according to the encrypted signing information and the signing information from the user terminal; and the user terminal jumps to the gateway page of the account mechanism corresponding to the jump address to receive the subscription information of the user terminal through the preset safety equipment, and receives the subscription processing result sent by the account mechanism through the clearing mechanism. Therefore, the payment signing application is processed through the account mechanism, and the security of signing application processing is facilitated.

In order to more fully implement the foregoing embodiment, this embodiment provides another method for processing a subscription application, which is described by using a user terminal side, and fig. 5 is a schematic flow chart of the another method for processing a subscription application provided in this embodiment of the present application.

As shown in fig. 5, the method may include the steps of:

step 501, receiving the signing application information input by the user, generating a signing request according to the signing application information, and sending the signing request to the acceptance mechanism.

And step 503, receiving the jump address sent by the accepting mechanism, generating the jump address by the clearing mechanism based on the signing application information and sending the jump address to the accepting mechanism.

And 505, jumping to an account mechanism gateway page corresponding to the jump address, receiving the signing information at the account mechanism gateway page through a preset safety device, and sending the signing information to an account mechanism, so that the account mechanism generates a signing processing result according to the encrypted signing information and the signing information and sends the signing processing result to a clearing mechanism.

Specifically, under the condition that the verification is successful, the clearing mechanism generates encrypted signing information and a jump address based on the signing application information and sends the encrypted signing information and the jump address to the accepting mechanism, so that the account mechanism jumps to an account mechanism gateway page corresponding to the jump address, receives signing information on the account mechanism gateway page through a preset safety device and sends the signing information to the account mechanism, and the account mechanism generates a signing processing result according to the encrypted signing information and the signing information and sends the signing processing result to the clearing mechanism.

It can be understood that, in order to improve the security of the contract signing application processing, a related security control or device needs to be installed, so that it can be determined whether the current operating environment meets the payment security condition, and if the current operating environment does not meet the payment security condition, a preset security device is installed to further improve the security.

In the contract signing application processing method of the embodiment of the application, contract signing application information input by a user is received, a contract signing request is generated according to the contract signing application information and is sent to a receiving mechanism, a jump address sent by the receiving mechanism is received, the jump address is generated by a clearing mechanism based on the contract signing application information and is sent to the receiving mechanism, the jump is carried out to an account mechanism gateway page corresponding to the jump address, the contract signing information is received on the account mechanism gateway page through a preset safety device and is sent to an account mechanism, and the account mechanism generates a contract signing processing result according to the encrypted contract signing information and the contract signing information and sends the contract signing processing result to the clearing mechanism. Therefore, the payment signing application is processed through the account mechanism, and the security of signing application processing is facilitated.

Based on the description of the above embodiment, in order to describe the contracted application processing method of the present application more clearly, the following detailed description is made with reference to fig. 6, specifically as shown in fig. 6:

(1) when a user has a payment requirement of a large amount of business or a business scene with relatively high risk, submitting a signing request to a receiving mechanism through a user terminal; (2) the acceptance mechanism calls a signing interface and submits a signing request to the clearing mechanism; (3) the clearing mechanism receives the signing request of the acceptance mechanism, and generates encrypted signing information, jump address and other information after successfully verifying signing application information in the signing request; (4) the clearing mechanism returns a receiving result, encrypted signing information, a jump address and other related parameters to the receiving mechanism; (5) the acceptance mechanism acquires an acceptance result and related parameters returned by the clearing mechanism and initiates the user terminal page to jump to the account mechanism gateway from the acceptance mechanism page; (6) a user installs a security control or inserts security equipment such as a U shield and the like according to the wind control requirement of an account institution, and inputs information such as signing and payment limit and the like on a gateway page of the account institution according to the requirement; (7) the account mechanism carries out signing processing; (8) the account mechanism displays a signing result to the user and jumps back a user side page from the account mechanism gateway to a receiving mechanism page; (9) the account institution returns the signing processing result to the clearing institution; (10) and the clearing mechanism receives the signing processing result sent by the account mechanism and forwards the signing processing result to the acceptance mechanism to complete signing.

Therefore, the method can meet the wind control requirement of the account mechanism, broaden the payment service scene that the account mechanism cannot authorize the user to sign a contract for a large amount or has relatively high risk due to the wind control problem in the original scheme, improve the security of the signature by using a security device, submitting account password verification, filling user information and the like at the gateway of the account mechanism side by the user, reduce the risk of account theft, increase the way for actively adjusting the payment limit by the user, and set the payment limit for the signed account by the user during signing, thereby reducing the transaction risk of the user to a certain extent.

Based on the prior art, when a user uses a gateway payment mode to perform transaction each time in a payment processing mode, a user terminal needs to jump from a page corresponding to an acceptance mechanism to a page corresponding to an account mechanism through an internet environment for operation, the problem of payment failure caused by page jump in each payment can not be avoided, the risk of transaction information hijacking in the jump process exists, the dependence on safety devices such as a safety control or a U shield in the payment process exists, and the technical problem of complicated payment operation is solved.

Fig. 7 is a schematic flowchart of a payment processing method according to an embodiment of the present application.

In order to more clearly describe the contracted application processing method of the present application, first, the method is described on the clearing institution side, as shown in fig. 7, and the method includes the following steps:

step 601, receiving a payment request from an acceptance mechanism, wherein the payment request comprises a payment amount and a payment account.

Step 603, forwarding the payment request to an account mechanism corresponding to the payment account so that the account mechanism completes payment processing of the payment amount through the payment account; the account mechanism completes the signing processing of the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal.

Step 605, receiving the payment result returned by the account mechanism, and sending the payment result to the acceptance mechanism so that the acceptance mechanism sends the payment result to the user terminal.

Specifically, a payment request is submitted to an acceptance mechanism through a user terminal, the acceptance mechanism calls a payment interface after receiving the payment request, the payment request is lifted to a clearing mechanism, the clearing mechanism forwards the payment request to an account mechanism to which a signed account belongs, the account mechanism receives the payment request of the clearing mechanism and carries out payment processing, the account mechanism returns a payment result to the clearing mechanism, the clearing mechanism returns the payment result to the acceptance mechanism, and the acceptance mechanism displays the payment result to a user through the user terminal to complete payment.

The user may select one account institution among the signed multiple account institutions to perform payment processing, so that the account institution corresponding to the payment account is any one account institution among the signed multiple account institutions, and the user experience is further improved.

The account mechanism completes the subscription processing of the payment account according to the encrypted subscription information sent by the acceptance mechanism and the subscription information from the user terminal, and more specifically, the user terminal receives the subscription application information input by the user, generates a subscription request according to the subscription application information, and sends the subscription request to the acceptance mechanism; the acceptance mechanism calls a preset signing interface to submit a signing request to the clearing mechanism; the clearing mechanism receives a signing request, wherein the signing request carries signing application information; the clearing mechanism generates encrypted signing information and a jump address and sends the encrypted signing information and the jump address to the acceptance mechanism under the condition that the signing application information is successfully verified; the acceptance mechanism sends the encrypted signing information to the account mechanism and sends the jump address to the user terminal; the user terminal jumps to an account mechanism gateway page corresponding to the jump address, receives the subscription information input by the user through the account mechanism gateway page and sends the subscription information to the account mechanism; the account mechanism performs signing processing according to the encrypted signing information and the signing information from the user terminal, generates a signing processing result and sends the signing processing result to the clearing mechanism, so that the clearing mechanism sends the signing processing result to the accepting mechanism.

In the payment processing method of the embodiment of the application, a payment request from an acceptance mechanism is received, the payment request comprises a payment amount and a payment account, and the payment request is forwarded to an account mechanism corresponding to the payment account, so that the account mechanism completes payment processing of the payment amount through the payment account; the account mechanism completes the signing processing of the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal, receives the payment result sent by the account mechanism, and sends the payment result to the acceptance mechanism, so that the acceptance mechanism sends the payment result to the user terminal. Therefore, when a user frequently has a payment service scene with a larger amount or higher risk, the user does not need to jump to the account mechanism gateway for payment through the page every time, the problem of payment failure caused by page jump in each payment is greatly reduced, the risk that transaction information is hijacked in the jumping process is reduced, dependence on safety devices such as a safety control or a U shield in the payment process is reduced, and the payment convenience is improved.

Based on the description of the above embodiment, in order to describe the contracted application processing method of the present application more clearly, the following detailed description is made with reference to fig. 8, specifically as shown in fig. 8:

(1) when a user uses a signed account for payment, submitting a payment request to an acceptance mechanism; (2) after receiving a payment application of a user, the acceptance mechanism calls a payment interface and raises a payment request to a clearing mechanism; (3) the clearing mechanism forwards the payment request to an account mechanism to which the signed account belongs; (4) the account mechanism receives a payment transaction application of the clearing mechanism and carries out transaction processing; (5) the account institution returns the payment result to the clearing institution; (6) the clearing mechanism returns the payment result to the acceptance mechanism; (7) and the acceptance mechanism displays the payment result to the user to complete the payment.

Therefore, when a user frequently has a payment service scene with a larger amount or higher risk, the user does not need to jump to the account mechanism gateway for payment through the page every time, the page jump during gateway payment is compressed to only one page jump during signing, the problem of payment failure caused by the page jump during payment at every time is greatly reduced, the risk that transaction information is hijacked in the jump process is reduced, the dependence on safety equipment such as a safety control or a U shield in the payment process is relieved, and the payment convenience is improved.

In order to implement the above embodiment, the present application also provides a clearing mechanism, and fig. 9 is a schematic structural diagram of a clearing mechanism provided in the embodiment of the present application.

As shown in fig. 9, the clearing mechanism 700 includes: a first receiving module 701, an extracting module 703, a generating and sending module 705 and a receiving and forwarding module 707.

A first receiving module 701, configured to receive a subscription request from an acceptance mechanism, where the subscription request carries subscription application information;

an extraction module 703, configured to extract an account name, a first account mechanism identification certificate type, and a certificate number in the subscription application information;

a generating and sending module 705, configured to, if the subscription application information is successfully verified, generate encrypted subscription information and a jump address based on the subscription application information, and send the encrypted subscription information and the jump address to the accepting mechanism, so that the accepting mechanism sends the encrypted subscription information to a first account mechanism corresponding to the first account mechanism identifier, and the accepting mechanism sends the jump address to a user terminal corresponding to the user identifier information that initiates the subscription request;

a receiving and forwarding module 707, configured to receive a subscription processing result from the first account mechanism, and forward the subscription processing result to the accepting mechanism; and the first account mechanism generates the signing processing result according to the encrypted signing information and the signing information from the user terminal.

Further, in a possible implementation manner of the embodiment of the present application, it is determined whether the certificate number conforms to a certificate number standard format corresponding to the certificate type; judging whether the account name meets the standard format of the account institution name; and under the condition that the certificate number conforms to the certificate number standard format and the account name conforms to the account institution name standard format, determining that the signing application information is successfully verified.

Further, in a possible implementation manner of the embodiment of the present application, the generating encrypted subscription information based on the subscription application information includes: determining the first account mechanism according to the first account mechanism identification, and acquiring an encryption key corresponding to the first account mechanism; encrypting the account name, the certificate type and the certificate number through the encryption key to generate the encrypted signing information; wherein a decryption key corresponding to the encryption key is stored in the first account entity, and a decryption key corresponding to the encryption key is not stored in the acceptance entity.

Further, in a possible implementation manner of the embodiment of the present application, the generating a jump address based on the subscription application information includes: and acquiring the jump address based on a preset corresponding relation between the first account mechanism identification and the jump address.

Further, in a possible implementation manner of the embodiment of the present application, after receiving the subscription processing result from the first account entity and forwarding the subscription processing result to the acceptance entity, the method further includes: receiving a payment request from the acceptance mechanism, wherein the payment request comprises a payment amount and a payment account; forwarding the payment request to a second account mechanism corresponding to the payment account so that the second account mechanism completes payment processing of the payment amount through the payment account; wherein the second account institution is an account institution corresponding to a payment account in the signed plurality of first account institutions;

and receiving a payment result returned by the second account mechanism, and sending the payment result to the acceptance mechanism so that the acceptance mechanism sends the payment result to the user terminal.

It should be noted that the foregoing explanation of the method embodiment is also applicable to the apparatus of this embodiment, and is not repeated herein.

In the clearing mechanism of the embodiment of the application, a signing request from an acceptance mechanism is received, wherein the signing request carries signing application information; extracting an account name, a first account mechanism identification, a certificate type and a certificate number in the signing application information; under the condition that the signing application information is successfully verified, encrypted signing information and a jump address are generated based on the signing application information and are sent to an acceptance mechanism, so that the acceptance mechanism sends the encrypted signing information to a first account mechanism corresponding to a first account mechanism identifier, and the acceptance mechanism sends the jump address to a user terminal initiating a signing request; receiving a signing processing result from the first account mechanism, and forwarding the signing processing result to the accepting mechanism; and the first account mechanism generates a signing processing result according to the encrypted signing information and the signing information from the user terminal. Therefore, the payment signing application is processed through the account mechanism, and the security of signing application processing is facilitated.

In order to implement the above embodiments, the present application further provides an account mechanism, and fig. 10 is a schematic structural diagram of an account mechanism provided in the embodiments of the present application.

As shown in fig. 10, the account mechanism 800 includes: a second receiving module 801, a third receiving module 803 and a generating module 805.

A second receiving module 801, configured to receive encrypted subscription information sent by an acceptance mechanism; the encrypted subscription information is generated by a clearing institution and sent to the acceptance institution.

A third receiving module 803, configured to receive subscription information sent by the user terminal by accessing a jump address, where the jump address is generated by the clearing mechanism and sent to the accepting mechanism.

A generating module 805, configured to perform subscription processing according to the encrypted subscription information and the subscription information from the user terminal, generate a subscription processing result, and send the subscription processing result to a clearing mechanism, so that the clearing mechanism sends the subscription processing result to the accepting mechanism.

Further, in a possible implementation manner of the embodiment of the present application, the subscription information of the user terminal includes: the certificate authentication system comprises an account number, an account password, a first certificate type and a first certificate number; the generating module 805 is specifically configured to:

decrypting the encrypted signing information through a decryption key to obtain an account name, a second certificate type and a second certificate number; wherein an encryption key corresponding to the decryption key is stored at the clearinghouse; matching the account name, the second certificate type and the second certificate number with pre-registered user information to determine a candidate account; and acquiring a target account in the candidate account according to the account number, and completing signing on the target account under the condition that the account password, the first certificate type and the first certificate number are matched with account information corresponding to the target account.

In the account mechanism according to the embodiment of the present application, encrypted contract information transmitted by the acceptance mechanism is received, the encrypted contract information is generated by the clearing mechanism and transmitted to the acceptance mechanism, contract information transmitted by a user terminal by accessing a jump address is received, the jump address is generated by the clearing mechanism and transmitted to the acceptance mechanism, and a contract processing result is generated and transmitted to the clearing mechanism, so that the clearing mechanism transmits the contract processing result to the acceptance mechanism. Therefore, the payment signing application is processed through the account mechanism, and the security of signing application processing is facilitated.

In order to implement the above embodiments, the present application further provides a receiving mechanism, and fig. 11 is a schematic structural diagram of the receiving mechanism provided in the embodiments of the present application.

As shown in fig. 11, the receiving mechanism 900 includes: a receive commit module 901, a fourth receive module 903, a transmit module 905, and a fifth receive module 907.

A receiving and submitting module 901, configured to receive a subscription request from a user terminal, and invoke a preset subscription interface to submit the subscription request to a clearing institution; the signing request carries signing application information of an account name, a first account mechanism identification, a certificate type and a certificate number.

A fourth receiving module 903, configured to receive the encrypted subscription information and the jump address sent by the clearing mechanism.

A sending module 905, configured to send the encrypted subscription information to an account mechanism, so that the account mechanism generates a subscription processing result according to the encrypted subscription information and subscription information from the user terminal; and the user terminal jumps to an account mechanism gateway page corresponding to the jump address and receives the subscription information of the user terminal through a preset safety device.

A fifth receiving module 907, configured to receive the subscription processing result sent by the account mechanism through the clearing mechanism.

The acceptance mechanism of the embodiment of the application receives a signing request from a user terminal, calls a preset signing interface to submit the signing request to a clearing mechanism, wherein the signing request carries signing application information of an account name, a first account mechanism identifier, a certificate type and a certificate number, receives encrypted signing information and a jump address sent by the clearing mechanism, and sends the encrypted signing information to the account mechanism so that the account mechanism generates a signing processing result according to the encrypted signing information and the signing information from the user terminal; and the user terminal jumps to the gateway page of the account mechanism corresponding to the jump address to receive the subscription information of the user terminal through the preset safety equipment, and receives the subscription processing result sent by the account mechanism through the clearing mechanism. Therefore, the payment signing application is processed through the account mechanism, and the security of signing application processing is facilitated.

In order to implement the foregoing embodiment, the present application further provides a user terminal, and fig. 12 is a schematic structural diagram of the user terminal provided in the embodiment of the present application.

As shown in fig. 12, the user terminal 1000 includes: a first receiving and sending module 1001, a sixth receiving module 1003 and a skip receiving module 1005.

The first receiving and sending module 1001 is configured to receive subscription application information input by a user, generate a subscription request according to the subscription application information, and send the subscription request to an acceptance mechanism.

A sixth receiving module 1003, configured to receive the jump address sent by the accepting mechanism, where the jump address is generated by the clearing mechanism based on the contract signing application information and is sent to the accepting mechanism.

A skip receiving module 1005, configured to skip to an account mechanism gateway page corresponding to the skip address, receive, at the account mechanism gateway page, subscription information through a preset security device, and send the subscription information to an account mechanism, so that the account mechanism generates a subscription processing result according to the encrypted subscription information and the subscription information, and sends the subscription processing result to a clearing mechanism.

The user terminal receives the signing application information input by the user, generates a signing request according to the signing application information, sends the signing request to the acceptance mechanism, receives a jump address sent by the acceptance mechanism, generates the jump address based on the signing application information by the clearing mechanism, sends the jump address to the acceptance mechanism, jumps to an account mechanism gateway page corresponding to the jump address, receives the signing information through a preset safety device on the account mechanism gateway page, and sends the signing information to the account mechanism, so that the account mechanism generates a signing processing result according to the encrypted signing information and the signing information and sends the signing processing result to the clearing mechanism. Therefore, the payment signing application is processed through the account mechanism, and the security of signing application processing is facilitated.

In order to realize the above embodiment, the present application also proposes another clearing mechanism, and fig. 13 is a schematic structural diagram of another clearing mechanism provided in the embodiment of the present application.

As shown in fig. 13, the clearing mechanism 700 includes: a seventh receiving module 1101, a forwarding module 1103, and a forwarding module 1103.

A seventh receiving module 1101, configured to receive a payment request from an acceptance mechanism, where the payment request includes a payment amount and a payment account.

A forwarding module 1103, configured to forward the payment request to the account mechanism corresponding to the payment account, so that the account mechanism completes payment processing of the payment amount through the payment account; and the account mechanism completes the signing processing of the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal.

A second receiving and sending module 1105, configured to receive the payment result returned by the account mechanism, and send the payment result to the acceptance mechanism, so that the acceptance mechanism sends the payment result to the user terminal.

The clearing mechanism of the embodiment of the application receives a payment request from an acceptance mechanism, wherein the payment request comprises a payment amount and a payment account, and forwards the payment request to an account mechanism corresponding to the payment account so that the account mechanism completes payment processing of the payment amount through the payment account; the account mechanism finishes signing processing on the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal, receives a payment result sent by the account mechanism and returns the payment result to the acceptance mechanism, so that the acceptance mechanism sends the payment result to the user terminal, and therefore when a payment service scene with a large amount or high risk frequently exists in a user, the user does not need to jump to an account mechanism gateway through a page for payment every time, the problem of payment failure caused by page jump in each payment process is greatly reduced, the risk that transaction information is hijacked in the jumping process is reduced, dependence on safety devices such as a safety control or a U shield in the payment process is reduced, and the payment convenience is improved.

In order to implement the foregoing embodiment, the present application further provides a system for processing a subscription application, and fig. 14 is a schematic structural diagram of the system for processing a subscription application provided in the embodiment of the present application.

As shown in fig. 14, the contract application processing system includes: a clearing means 700, an account means 800, an acceptance means 900, and a user terminal 1000.

The user terminal 1000 receives the subscription application information input by the user, generates a subscription request according to the subscription application information, and sends the subscription request to the acceptance mechanism 900.

The acceptance mechanism 900 calls a preset signing interface to submit the signing request to the clearing mechanism 700.

The clearing mechanism 700 receives the subscription request, where the subscription request carries subscription application information.

When the verification of the contract signing application information is successful, the clearing mechanism 700 generates encrypted contract signing information and a jump address, and sends the encrypted contract signing information and the jump address to the receiving mechanism 900.

The acceptance mechanism 900 sends the encrypted subscription information to the account mechanism 800, and sends the jump address to the user terminal 1000.

The user terminal 1000 jumps to the gateway page of the account mechanism 800 corresponding to the jump address, receives the subscription information input by the user through the gateway page of the account mechanism 800, and sends the subscription information to the account mechanism 800.

The account mechanism 800 performs a subscription process according to the encrypted subscription information and the subscription information from the user terminal 1000, generates a subscription process result, and sends the subscription process result to the clearing mechanism 700, so that the clearing mechanism 700 sends the subscription process result to the receiving mechanism 900.

In the contract signing application processing system of the embodiment of the application, a user terminal receives contract signing application information input by a user, generates a contract signing request according to the contract signing application information and sends the contract signing request to an acceptance mechanism, the acceptance mechanism calls a preset contract signing interface to submit the contract signing request to a clearing mechanism, the clearing mechanism receives the contract signing request, the contract signing request carries the contract signing application information, the clearing mechanism generates encrypted contract signing information and a jump address to send to the acceptance mechanism under the condition that the contract signing application information is successfully verified, the acceptance mechanism sends the encrypted contract signing information to an account mechanism, the jump address is sent to the user terminal, the user terminal jumps to an account mechanism gateway page corresponding to the jump address, receives the contract signing information input by the user through the account mechanism gateway page and sends the contract signing request to an account mechanism, and the account mechanism performs signing processing according to the encrypted signing information and the signing information from the user terminal, generates a signing processing result and sends the signing processing result to the clearing mechanism, so that the clearing mechanism sends the signing processing result to the accepting mechanism.

In order to implement the above embodiment, the present application further provides a system for processing a subscription application.

The contract signing application processing system comprises: a clearing means 700, an account means 800, an acceptance means 900, and a user terminal 1000.

the acceptance mechanism calls a preset payment interface to submit the payment request to the clearing mechanism 700, wherein the payment request comprises payment amount and a payment account;

the clearing mechanism 700 forwards the payment request to the account mechanism corresponding to the payment account;

the account mechanism completes payment processing of the payment amount through the payment account; the account mechanism completes the signing processing of the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal;

the clearing mechanism 700 receives the payment result sent by the account mechanism and sends the payment result to the acceptance mechanism;

and the acceptance mechanism returns the payment result to the user terminal.

In the payment processing system of the embodiment of the application, a payment request from an acceptance mechanism is received, the payment request comprises a payment amount and a payment account, and the payment request is forwarded to an account mechanism corresponding to the payment account, so that the account mechanism completes payment processing of the payment amount through the payment account; the account mechanism finishes signing processing on the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal, receives a payment result sent by the account mechanism and returns the payment result to the acceptance mechanism, so that the acceptance mechanism sends the payment result to the user terminal, and therefore when a payment service scene with a large amount or high risk frequently exists in a user, the user does not need to jump to an account mechanism gateway through a page for payment every time, the problem of payment failure caused by page jump in each payment process is greatly reduced, the risk that transaction information is hijacked in the jumping process is reduced, dependence on safety devices such as a safety control or a U shield in the payment process is reduced, and the payment convenience is improved.

In order to implement the foregoing embodiments, an embodiment of the present application provides an electronic device, including: the system comprises a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor executes the program to realize the contract application processing method and the payment processing method according to the embodiment of the first account institution execution method.

In order to implement the foregoing embodiments, the present application provides a computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, the computer program implements the contract application processing method and the payment processing method described in the foregoing method embodiments.

In the description herein, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present application in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present application.

The logic and/or steps represented in the flowcharts or otherwise described herein, e.g., an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the computer-readable medium would include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM). Additionally, the computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via for instance optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner if necessary, and then stored in a computer memory.

It should be understood that portions of the present application may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. If implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.

It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.

In addition, functional units in the embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.

The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc. Although embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present application, and that variations, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present application.

Claims

1. A contract signing application processing method is applied to a clearing institution, wherein the method comprises the following steps:

2. A method for processing a subscription application as claimed in claim 1, wherein after the extracting the account name, the first account mechanism identifier, the certificate type and the certificate number in the subscription application information, the method further comprises:

judging whether the certificate number conforms to a certificate number standard format corresponding to the certificate type;

judging whether the account name meets the standard format of the account institution name;

and under the condition that the certificate number conforms to the certificate number standard format and the account name conforms to the account institution name standard format, determining that the signing application information is successfully verified.

3. A method for processing a subscription application as claimed in claim 1, wherein the generating encrypted subscription information based on the subscription application information comprises:

determining the first account mechanism according to the first account mechanism identification, and acquiring an encryption key corresponding to the first account mechanism;

encrypting the account name, the certificate type and the certificate number through the encryption key to generate the encrypted signing information; wherein a decryption key corresponding to the encryption key is stored in the first account entity, and a decryption key corresponding to the encryption key is not stored in the acceptance entity.

4. A method as claimed in claim 1, wherein the generating a jump address based on the subscription application information comprises:

and acquiring the jump address based on a preset corresponding relation between the first account mechanism identification and the jump address.

5. A method as claimed in claim 1, wherein after receiving the subscription processing result from the first account entity and forwarding the subscription processing result to the acceptance entity, the method further comprises:

receiving a payment request from the acceptance mechanism, wherein the payment request comprises a payment amount and a payment account;

forwarding the payment request to a second account mechanism corresponding to the payment account so that the second account mechanism completes payment processing of the payment amount through the payment account; wherein the second account institution is an account institution corresponding to the payment account in the signed plurality of first account institutions;

6. A contract signing application processing method is applied to an account mechanism, wherein the method comprises the following steps:

7. A subscription application processing method as claimed in claim 6, wherein the subscription information of the user terminal includes: the certificate authentication system comprises an account number, an account password, a first certificate type and a first certificate number;

the signing processing is performed according to the encrypted signing information and the signing information from the user terminal, and a signing processing result is generated, and the signing processing result comprises the following steps:

decrypting the encrypted signing information through a decryption key to obtain an account name, a second certificate type and a second certificate number; wherein an encryption key corresponding to the decryption key is stored at the clearinghouse;

matching the account name, the second certificate type and the second certificate number with pre-registered user information to determine a candidate account;

and acquiring a target account in the candidate account according to the account number, and completing signing on the target account under the condition that the account password, the first certificate type and the first certificate number are matched with account information corresponding to the target account.

8. A contracting application processing method according to claim 7, further comprising:

receiving a limit adjusting instruction which comprises payment amount and is sent by a user terminal;

and adjusting the payment amount of the target account according to the payment amount.

9. A contract signing application processing method is applied to an acceptance mechanism, wherein the method comprises the following steps:

sending the encrypted signing information to an account mechanism so that the account mechanism generates a signing processing result according to the encrypted signing information and the signing information from the user terminal; and the user terminal jumps to an account mechanism gateway page corresponding to the jump address to receive the subscription information of the user terminal.

And receiving the signing processing result sent by the account mechanism through the clearing mechanism.

10. A processing method for signing application is applied to a user terminal, wherein the method comprises the following steps:

11. A method for processing a subscription application as claimed in claim 10, wherein before the account institution gateway page receives subscription information via a preset security device and sends the subscription information to the account institution, the method further comprises:

judging whether the current operating environment meets the payment safety condition;

and under the condition that the current operating environment does not accord with the payment safety condition, installing the preset safety equipment.

12. A payment processing method for use with a clearinghouse, wherein the method comprises the steps of:

forwarding the payment request to an account mechanism corresponding to the payment account so that the account mechanism completes payment processing of the payment amount through the payment account; the account mechanism completes the signing processing of the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal;

13. A clearinghouse, comprising:

the extraction module is used for extracting the account name, the first account mechanism identification certificate type and the certificate number in the signing application information;

a generation and transmission module, configured to generate encrypted subscription information and a jump address based on the subscription application information and transmit the encrypted subscription information and the jump address to the acceptance mechanism when the subscription application information is successfully verified, so that the acceptance mechanism transmits the encrypted subscription information to a first account mechanism corresponding to the first account mechanism identifier, and the acceptance mechanism transmits the jump address to a user terminal that initiates the subscription request;

14. An account institution, comprising:

15. An acceptance mechanism, comprising:

16. A user terminal, comprising:

17. A clearinghouse, comprising:

the forwarding module is used for forwarding the payment request to the account mechanism corresponding to the payment account so that the account mechanism completes payment processing of the payment amount through the payment account; the account mechanism completes the signing processing of the payment account according to the encrypted signing information sent by the acceptance mechanism and the signing information from the user terminal;

18. A system for processing a contracted application, comprising: a clearing house according to claim 13, an account house according to claim 14, an acceptance house according to claim 15 and a user terminal according to claim 16; wherein the content of the first and second substances,

19. A payment processing system, comprising: the clearinghouse, account institution, acceptance institution and user terminal of claim 17; wherein the content of the first and second substances,

and the acceptance mechanism returns the payment result to the user terminal.

20. An electronic device, comprising: a memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing the program implementing a subscription application processing method as claimed in any one of claims 1 to 11 and a payment processing method as claimed in claim 12.

21. A computer-readable storage medium on which a computer program is stored, the program, when executed by a processor, implementing a contract application processing method according to any one of claims 1 to 11 and a payment processing method according to claim 12.