CN113592503A - Unified payment authentication transaction method, server and system - Google Patents
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Abstract
The invention provides a unified payment authentication transaction method, a server and a system, wherein the method comprises the following steps: receiving a transaction payment request of a user, and determining a corresponding certification authority server according to the transaction payment request; transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed; and receiving account information transmitted by a user according to the account confirmation information, determining a payment mechanism server according to the account information, and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
Description
Technical Field
The invention relates to the technical field of internet, in particular to the technical field of finance, and particularly relates to a unified payment authentication transaction method, a server and a system.
Background
At present, the payment of commercial banks is bound with self-acquiring mechanisms, authentication mechanisms and clearing mechanisms, and if a merchant or a user terminal wants to access the payment modes of multiple merchant banks, the merchant or the user terminal needs to establish files and open an account in each bank and butt joint and develop a payment interface of each bank, so that the access cost is very high.
Disclosure of Invention
The invention aims to provide a unified payment authentication transaction method, which is used for paying and receiving a bill, clearing and authenticating payment of payment mechanisms such as banks and the like, and solving the problems that a merchant needs to build files and butt joint for many times when accessing payment modes of a plurality of commercial banks. Another object of the present invention is to provide a unified payment authentication server. It is a further object of this invention to provide a certificate authority server. It is yet another object of the present invention to provide a payment authority server. It is a further object of the present invention to provide a computer apparatus. It is a further object of this invention to provide such a readable medium.
In order to achieve the above object, the present invention discloses a unified payment authentication transaction method, including:
receiving a transaction payment request of a user, and determining a corresponding certification authority server according to the transaction payment request;
transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed;
and receiving account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information, and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
Preferably, the transmitting the transaction payment request to the certificate authority server specifically includes:
transmitting the transaction payment request to an order receipt server to cause the order receipt server to transmit the transaction payment request to the certification authority server.
Preferably, the transmitting the transaction payment request to an order receiving server so that the order receiving server transmits the transaction payment request to the certification authority server specifically includes:
and if the receipt server and the certification authority server belong to different transaction systems, transmitting the transaction payment request to the certification authority server through direct connection and disconnection processing of a clearing server.
Preferably, the feeding back the account confirmation information to the user specifically includes:
determining whether the user has an account of a payment mechanism corresponding to the authentication mechanism server according to the transaction payment request, and if so, determining all accounts of the user and forming account confirmation information;
and if the account confirmation information does not exist, forming account binding account confirmation information.
Preferably, the receiving the account information transmitted by the user according to the account confirmation information specifically includes:
if the account of the payment mechanism corresponding to the certification mechanism server exists, displaying all accounts for the user, and forming account information based on the account selected by the user;
and if the account of the payment mechanism corresponding to the certification mechanism server does not exist, displaying an account binding interface to the user, and forming account information based on the account bound by the user.
Preferably, the account binding includes binding a new account and opening a card, and the forming of account information based on the account bound by the user specifically includes:
if the user selects to bind a new account, based on a new account payment mechanism and an account input by the user, transmitting the account to a payment mechanism server of the payment mechanism for user identity verification, and if the verification is passed, receiving user account information transmitted by the payment mechanism server;
if the user selects to open the card, based on a card opening application input by the user, determining a payment mechanism according to the card opening application, transmitting the card opening application to a payment mechanism server of the payment mechanism for user identity verification, and if the verification is passed, opening an account corresponding to the user and receiving user account information transmitted by the payment mechanism server.
The invention also discloses a unified payment authentication transaction method, which comprises the following steps:
receiving a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is obtained by the unified payment authentication server receiving a transaction payment request of a user, determining a corresponding authentication mechanism server according to the transaction payment request and transmitting the transaction payment request to the authentication mechanism server;
and carrying out user identity verification on the transaction payment request, if the user identity verification is passed, feeding back account confirmation information to the user so as to enable the unified payment authentication server to receive the account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
The invention also discloses a unified payment authentication transaction method, which comprises the following steps:
receiving a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is a transaction payment request of a user received by the unified payment authentication server, and determining a corresponding authentication mechanism server according to the transaction payment request; transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed; receiving account information transmitted by a user according to the account confirmation information, determining a payment mechanism server according to the account information, and transmitting the transaction payment request to the payment mechanism server to obtain the transaction payment request;
and carrying out transaction deduction according to the transaction payment request.
The invention also discloses a unified payment authentication transaction device, which comprises:
the request analysis module is used for receiving a transaction payment request of a user and determining a corresponding authentication mechanism server according to the transaction payment request;
the user authentication module is used for transmitting the transaction payment request to the authentication mechanism server so as to enable the authentication mechanism server to carry out user identity verification on the transaction payment request, and if the user identity verification is passed, account confirmation information is fed back to the user;
and the payment transaction module is used for receiving the account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
The invention also discloses a certification authority server which is configured to receive the transaction payment request transmitted by the unified payment certification server, wherein the transaction payment request is obtained by the unified payment certification server receiving the transaction payment request of the user, determining the corresponding certification authority server according to the transaction payment request and transmitting the transaction payment request to the certification authority server; and carrying out user identity verification on the transaction payment request, if the user identity verification is passed, feeding back account confirmation information to the user so as to enable the unified payment authentication server to receive the account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
The invention also discloses a payment mechanism server, which is configured to receive the transaction payment request transmitted by the unified payment authentication server, wherein the transaction payment request is the transaction payment request of the user received by the unified payment authentication server, and the corresponding authentication mechanism server is determined according to the transaction payment request; transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed; and receiving account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information, transmitting the transaction payment request to the payment mechanism server to obtain the transaction payment request, and carrying out transaction deduction according to the transaction payment request.
The invention also discloses a unified payment authentication transaction system, which comprises a unified payment authentication transaction device, an authentication mechanism server and a payment mechanism server;
the unified payment authentication transaction device is used for receiving a transaction payment request of a user and determining a corresponding authentication mechanism server according to the transaction payment request; transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed; and receiving account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information, and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
The invention also discloses a computer 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, implements the method as described above.
The invention also discloses a computer-readable medium, having stored thereon a computer program,
which when executed by a processor implements the method as described above.
The unified payment authentication transaction method receives a transaction payment request of a user, determines a corresponding authentication mechanism server according to the transaction payment request, transmits the transaction payment request to the authentication mechanism server so that the authentication mechanism server performs user identity verification on the transaction payment request, feeds back account confirmation information to the user if the user identity verification is passed, receives account information transmitted by the user according to the account confirmation information, determines a payment mechanism server according to the account information, and transmits the transaction payment request to the payment mechanism server for transaction deduction. Therefore, after receiving the transaction payment request of the user, the authentication mechanism server determined by the user through the transaction payment request is obtained through analysis, and the transaction payment request is transmitted to the authentication mechanism server for user identity verification. And after the user identity authentication is passed, further determining a payment mechanism server according to the account information of the user and transmitting the transaction payment request to the payment mechanism server for transaction deduction. Therefore, in the invention, the user identity verification and the transaction deduction for the user transaction payment request are respectively arranged on the authentication mechanism server and the payment mechanism server, and the user can carry out identity authentication and transaction deduction through different financial mechanisms, thereby solving the problem that the user (merchant) needs to build files and butt joint and develop for multiple times when accessing multiple financial mechanisms.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 illustrates a flow diagram of a particular embodiment of a unified payment authentication transaction method of the present invention;
FIG. 2 is a flow diagram illustrating connection and disconnection of a particular embodiment of a unified payment authentication transaction method of the present invention;
FIG. 3 is a flow diagram of a unified payment authentication transaction method embodiment S200 of the present invention;
FIG. 4 is a flow diagram of a unified payment authentication transaction method embodiment S300 of the present invention;
FIG. 5 is a flowchart of a specific embodiment of a unified payment authentication transaction method S320 according to the present invention;
FIG. 6 is a flow diagram illustrating a merchant bank unified payment authentication transaction in accordance with a specific embodiment of the unified payment authentication transaction methodology of the present invention;
FIG. 7 is a block diagram illustrating an exemplary embodiment of a unified payment authentication transaction apparatus according to the present invention;
FIG. 8 shows a schematic block diagram of a computer device suitable for use in implementing embodiments of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the unified payment authentication transaction method, the server and the system disclosed in the present application can be used in the financial technology field, and can also be used in any field except the financial technology field.
In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application. The uniform payment authentication transaction method provided by the embodiment of the invention is used for analyzing and obtaining the authentication mechanism server determined by the user through the transaction payment request after receiving the transaction payment request of the user, and transmitting the transaction payment request to the authentication mechanism server for user identity verification. And after the user identity authentication is passed, further determining a payment mechanism server according to the account information of the user and transmitting the transaction payment request to the payment mechanism server for transaction deduction. Therefore, in the invention, the user identity verification and the transaction deduction for the user transaction payment request are respectively arranged on the authentication mechanism server and the payment mechanism server, and the user can carry out identity authentication and transaction deduction through different financial mechanisms, thereby solving the problem that the user (merchant) needs to build files and butt joint and develop for multiple times when accessing multiple financial mechanisms.
The unified payment authentication transaction system provided by the embodiment of the invention comprises a user terminal 1, a unified payment authentication server 2, an authentication mechanism server 3 and a payment mechanism server 4.
The unified payment authentication server 2 can receive a transaction payment request of a user transmitted by a user terminal 1, determine a corresponding authentication mechanism server 3 according to the transaction payment request, transmit the transaction payment request to the authentication mechanism server 3 so that the authentication mechanism server 3 performs user identity verification on the transaction payment request, feed back account confirmation information to the user if the user identity verification passes, receive account information transmitted by the user according to the account confirmation information, determine a payment mechanism server 4 according to the account information, and transmit the transaction payment request to the payment mechanism server 4 for transaction deduction.
The user terminal 1 may directly form a transaction payment request according to a transaction initiation operation of the user and transmit the transaction payment request to the unified payment authentication server 2. When a user needs to initiate a transaction through a merchant, the user can send a transaction request through the user terminal 1, the transaction request is transmitted to the merchant terminal 5, and the merchant terminal 5 forms a transaction payment request according to the transaction request of the user terminal 1 and transmits the transaction payment request to the unified payment authentication server 2.
The following describes an implementation process of the unified payment authentication transaction method provided by the embodiment of the present invention, taking the unified payment authentication server 2 as an execution subject. It can be understood that the execution subject of the unified payment authentication transaction method provided by the embodiment of the present invention includes, but is not limited to, the unified payment authentication server 2.
According to one aspect of the invention, the embodiment discloses a unified payment authentication transaction method. As shown in fig. 1, in this embodiment, the method includes:
s100: receiving a transaction payment request of a user, and determining a corresponding certification authority server according to the transaction payment request.
S200: and transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to the user if the user identity verification is passed.
S300: and receiving account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information, and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
The unified payment authentication transaction method receives a transaction payment request of a user, determines a corresponding authentication mechanism server according to the transaction payment request, transmits the transaction payment request to the authentication mechanism server so that the authentication mechanism server performs user identity verification on the transaction payment request, feeds back account confirmation information to the user if the user identity verification is passed, receives account information transmitted by the user according to the account confirmation information, determines a payment mechanism server according to the account information, and transmits the transaction payment request to the payment mechanism server for transaction deduction. Therefore, after receiving the transaction payment request of the user, the authentication mechanism server determined by the user through the transaction payment request is obtained through analysis, and the transaction payment request is transmitted to the authentication mechanism server for user identity verification. And after the user identity authentication is passed, further determining a payment mechanism server according to the account information of the user and transmitting the transaction payment request to the payment mechanism server for transaction deduction. Therefore, in the invention, the user identity verification and the transaction deduction for the user transaction payment request are respectively arranged on the authentication mechanism server and the payment mechanism server, and the user can carry out identity authentication and transaction deduction through different financial mechanisms, thereby solving the problem that the user (merchant) needs to build files and butt joint and develop for multiple times when accessing multiple financial mechanisms.
In a preferred embodiment, the step S200 of transmitting the transaction payment request to the certificate authority server specifically includes:
s210: transmitting the transaction payment request to an order receipt server to cause the order receipt server to transmit the transaction payment request to the certification authority server.
Specifically, it is understood that the transaction payment request transmitted by the user may be directly sent to the certificate authority server, or may be forwarded to the certificate authority server through the receipt server. The acquiring organization is a clearing member unit which has an agreement with the merchant or provides service for the cardholder, participates in exchange by directly or indirectly relying on a transaction document, and is mainly responsible for development and management, authorization request, bill settlement and other activities of the special merchant. The authentication mechanism verifies the user identity information in the payment process to complete the payment authentication. The payment institution is a commercial bank that issues various bank cards to users, is responsible for account management, and is the initiator and organizer of the bank card market. Clearing institutions (network payment clearing platforms) mainly handle transaction transfer and fund clearing business related to payment institutions and banks. In a specific example, the acquiring institution may be each commercial bank and a non-banking institution with an associated payment license plate, the certifying institution may be each commercial bank, the payment institution may be each commercial bank, and the clearing institution (internet payment clearing platform) may be a unionpay/internetwork.
In a preferred embodiment, the transmitting the transaction payment request to the order receiving server by the S210 so that the order receiving server transmits the transaction payment request to the certificate authority server specifically includes:
s211: and if the receipt server and the certification authority server belong to different transaction systems, transmitting the transaction payment request to the certification authority server through direct connection and disconnection processing of a clearing server.
Specifically, when the acquiring mechanism and the authentication mechanism belong to the same transaction system, for example, the acquiring mechanism and the authentication mechanism are the same commercial bank, user identity verification and transaction deduction can be directly processed, a transaction link is shortened, processing speed is higher, and operation is more stable. When the acquiring mechanism and the certification mechanism belong to different transaction systems, namely the acquiring mechanism and the certification mechanism are different, the transaction payment request needs to be transmitted to the certification mechanism server through the disconnection and direct connection processing of the clearing mechanism, namely the acquiring server of the acquiring mechanism and the certification mechanism server of the certification mechanism belong to different transaction systems, and then the acquiring server transmits the transaction payment request to the certification mechanism server through the disconnection and direct connection processing of the clearing server of the clearing mechanism.
The disconnected and connected mode refers to a mode that a third-party payment mechanism is connected with a bank directly before being disconnected, is connected into an internet connection or a bank connection, and is interacted and cleared through the internet connection or the bank connection. The disconnected and connected transaction usually comprises the interaction of three parties, namely a non-banking institution (acceptance institution), a clearing institution (network payment clearing platform) and a banking institution. As shown in fig. 2, the specific interaction flow is as follows:
step 1: a non-banking institution (acceptance institution, for example, acquirer) issues a request, and the request information includes: the system comprises a sender mechanism identification TransID1 (financial institution code), a message direction identification OrientID1 (identification from a receiving mechanism to a platform), a transaction serial number orderID, a basic information field message (regional information, transaction equipment information, order information and the like), and a sensitive information field encryption message (personal account information).
Step 2: the clearing institution forwards the request, re-identifies the sending institution identification TransID2 (financial institution code), the message direction identification OrientID2 (identification from the receiving institution to the platform), the transaction serial number orderID, the basic information field message (region information, transaction equipment information, order information and the like), and the sensitive information field encrypted message (personal account information).
Step 3: the banking institution processes the request.
Step 4: the bank organization returns the request, re-identifies the sending organization identification TransID3 (financial organization code), the message direction identification OrientID3 (identification from the accepting organization to the platform), the transaction serial number orderID and the transaction result field message.
Step 5: the clearing institution forwards the request, re-identifies the sending institution identification TransID2 (financial institution code), the message direction identification OrientID4 (identification from the receiving institution to the platform), the transaction serial number orderID and the transaction result field message.
Step 6: an acceptance mechanism receives the request.
In a preferred embodiment, as shown in fig. 3, the step S200 of feeding back the account confirmation information to the user specifically includes:
s221: and determining whether the user has an account of a payment mechanism corresponding to the authentication mechanism server according to the transaction payment request, and if so, determining all accounts of the user and forming account confirmation information.
S222: and if the account confirmation information does not exist, forming account binding account confirmation information.
Specifically, when the user selects one authentication mechanism to perform user identity verification, whether the user has an account in the payment mechanism can be inquired, if the user has an account, account confirmation information can be formed according to all accounts of the user, and the account confirmation information is fed back to the user, so that the user can select an account for payment deduction according to the account confirmation information. When the user does not have an account in the authentication mechanism, account confirmation information bound with the account can be formed, and the user can add or open accounts of other payment mechanisms after receiving the account confirmation information, so that the user can select different authentication mechanisms and payment mechanisms to respectively complete user identity verification and payment deduction through one-time registration, and the flexibility of transaction authentication payment is improved.
In a preferred embodiment, as shown in fig. 4, the receiving, by the S300, the account information transmitted by the user according to the account confirmation information specifically includes:
s310: and if the account of the payment mechanism corresponding to the certification mechanism server exists, displaying all the accounts to the user, and forming account information based on the account selected by the user.
S320: and if the account of the payment mechanism corresponding to the certification mechanism server does not exist, displaying an account binding interface to the user, and forming account information based on the account bound by the user.
Specifically, it can be understood that when the certification authority does not have an available account for the user, an account binding interface may be displayed to the user, the user may input information related to the account through the account binding interface, and the account information may be formed and payment deduction may be performed according to the account input by the user.
In a preferred embodiment, as shown in fig. 5, the account binding includes binding a new account and opening a card, and the S320 forming account information based on the account bound by the user specifically includes:
s321: and if the user selects to bind a new account, transmitting the account to a payment mechanism server of the payment mechanism for user identity verification based on a new account payment mechanism and the account input by the user, and if the verification is passed, receiving user account information transmitted by the payment mechanism server.
S322: if the user selects to open the card, based on a card opening application input by the user, determining a payment mechanism according to the card opening application, transmitting the card opening application to a payment mechanism server of the payment mechanism for user identity verification, and if the verification is passed, opening an account corresponding to the user and receiving user account information transmitted by the payment mechanism server.
Specifically, when the user binds new accounts of other payment mechanisms for payment, the user can input a selected new account payment mechanism and an account application, the account application is transmitted to a payment mechanism server of the payment mechanism for user identity verification, and if the account application passes the verification, user account information fed back by the payment mechanism server is received for subsequent transaction deduction. When the user does not have an account and needs to open the account, the user can select to open the card and input a card opening application, wherein the card opening application can comprise user information and a payment mechanism for opening the card. And determining a payment mechanism according to the card opening application, transmitting the card opening application to the payment mechanism for user identity authentication, and opening an account for the user if the authentication is passed, so that the user account information fed back by the payment mechanism server can be received for transaction payment.
The invention will be further illustrated by means of a specific example. As shown in fig. 6, in this specific example, the merchant bank unifies the payment authentication transaction flow as follows:
step 1: the user makes a payment, triggering a transaction.
Step 2: the order-receiving merchant integrates the unified payment authentication transaction service of the unified payment authentication transaction device.
Step 3: and the user selects a unified payment authentication transaction mode of the commercial bank.
Step 4: the user selects a specific commercial bank payment authentication mechanism and initiates payment.
Step 5: the receiving institution forwards a transaction payment request to the authentication institution selected by the user, wherein the transaction payment request comprises an uploading channel ID (commercial bank comprehensive payment authentication interface identifier), a sending institution identifier TransID (financial institution code), a message direction identifier OrientID (identifier from the receiving institution to the platform), a transaction serial number orderID and a basic information field message (regional information and order information).
Step 6: if the certification mechanism is different from the acquiring mechanism, the payment request needs to be processed by disconnection and connection of a clearing mechanism (a network payment clearing platform) and transmitted to the certification mechanism, and the certification mechanism analyzes the transaction payment request.
Step 7: the certification authority guides the user to select or bind an account with the payment authority.
Step 8: if the user opens the payment mode of the selected authentication mechanism, all payment cards of the authentication mechanism can be directly selected for payment; if the user does not open the payment mode of the selected authentication mechanism, the card binding process is carried out, the related accounts of other authentication mechanisms can be bound, the payment mode of the selected authentication mechanism is opened synchronously, and a new payment account is determined.
Step 9: the authentication mechanism guides the user to perform user authentication.
Step 10: and the user performs payment authentication.
Step 11: and the authentication mechanism performs payment verification, and if the verification is passed.
Step 12: the payment mechanism completes the transaction deduction processing.
Step 13: the payment institution carries out the bank card account withholding processing (the payment institution and the authentication institution are the same institution in general).
Step 14: the payment institution transfers the funds to a clearing institution, which performs the funds clearing.
Step 15: the clearing institution transfers the cleared funds to the acquirer to complete the transaction process.
Compared with the existing payment modes such as Paibao and WeChat, the payment authentication service of the commercial bank mainly has two differences: 1. the payment bank and the WeChat do not have card issuing qualification, so the interaction between the payment bank and the card issuing organization must be processed by the connection between a UnionPay and a network disconnection, and the transaction link is long; in the payment authentication process of the commercial bank, the card issuing mechanism and the authentication mechanism are usually the same mechanism, the system level can be directly butted without direct connection and disconnection processing, the transaction link is shortened, and the transaction processing speed is higher; 2. the payment bank and the WeChat do not have card-issuing qualification, if a customer selects the payment bank and the WeChat payment, the payment is finished by quickly binding a bank card through three parties, and the customer needs to perform full-flow identity authentication every time the customer binds the bank card, so that the system interaction overhead is high; the commercial bank is used as a payment authentication mechanism and a card issuing mechanism, and supports signing a payment protocol from the dimension of a customer, so that the customer can realize payment of a full-amount bank card only by carrying out one-time payment signing authentication, and the payment process is simplified.
The invention separates the payment authentication ability of the commercial bank from the complete system of merchant management, payment authentication and customer management, so that the payment authentication is independently output as independent ability and packaged to form a comprehensive payment interface, and the appeal of the payment authentication way of accessing the commercial bank by the merchant at one time can be met. On the technical aspect, on one hand, the commercial bank is used as an authentication mechanism and a card issuing mechanism at the same time, authentication and account deduction transaction are directly connected and processed, the existing aggregation and disconnection of the directly connected transaction link is shortened, the transaction processing speed is higher, and the system stability is stronger; and on the other hand, the commercial bank is used as a certification mechanism and a card issuing mechanism at the same time, and supports the dimension signing of the customer, namely the customer can use all the cards of the same bank for payment by signing once, so that the problem of overlarge interaction overhead between systems caused by binding the cards for multiple times and signing for multiple times in quick payment is solved.
Based on the same principle, the embodiment also discloses a unified payment authentication transaction device. As shown in fig. 7, in the present embodiment, the apparatus includes a request parsing module 11, a user authentication module 12, and a payment transaction module 13.
The request analysis module 11 is configured to receive a transaction payment request of a user, and determine a corresponding certificate authority server according to the transaction payment request.
The user authentication module 12 is configured to transmit the transaction payment request to the certificate authority server, so that the certificate authority server performs user authentication on the transaction payment request, and feeds back account confirmation information to the user if the user authentication passes.
The payment transaction module 13 is configured to receive account information transmitted by a user according to the account confirmation information, determine a payment mechanism server according to the account information, and transmit the transaction payment request to the payment mechanism server for transaction deduction.
Since the principle of the device for solving the problems is similar to the method, the implementation of the device can refer to the implementation of the method, and the detailed description is omitted here.
In a preferred embodiment, the user authentication module 12 is specifically configured to transmit the transaction payment request to an order receipt server so that the order receipt server transmits the transaction payment request to the certification authority server.
In a preferred embodiment, the user authentication module 12 is specifically configured to transmit the transaction payment request to the certification authority server through direct connection and disconnection processing of a clearing server if the order receiving server and the certification authority server belong to different transaction systems.
In a preferred embodiment, the user authentication module 12 is specifically configured to determine whether the user has an account of a payment mechanism corresponding to the authentication mechanism server according to the transaction payment request, and if yes, determine all accounts of the user and form account confirmation information; and if the account confirmation information does not exist, forming account binding account confirmation information.
In a preferred embodiment, the payment transaction module 13 is specifically configured to, if an account of a payment mechanism corresponding to the certificate authority server exists, present all accounts to the user, and form account information based on an account selected by the user; and if the account of the payment mechanism corresponding to the certification mechanism server does not exist, displaying an account binding interface to the user, and forming account information based on the account bound by the user.
In a preferred embodiment, the account binding includes binding a new account and opening a card, and the forming account information based on the account bound by the user specifically includes: if the user selects to bind a new account, based on a new account payment mechanism and an account input by the user, transmitting the account to a payment mechanism server of the payment mechanism for user identity verification, and if the verification is passed, receiving user account information transmitted by the payment mechanism server; if the user selects to open the card, based on a card opening application input by the user, determining a payment mechanism according to the card opening application, transmitting the card opening application to a payment mechanism server of the payment mechanism for user identity verification, and if the verification is passed, opening an account corresponding to the user and receiving user account information transmitted by the payment mechanism server.
Based on the same principle, the embodiment also discloses a certificate authority server. The authentication mechanism server is configured to receive a transaction payment request transmitted by the unified payment authentication server, wherein the transaction payment request is obtained by the unified payment authentication server receiving a transaction payment request of a user, determining a corresponding authentication mechanism server according to the transaction payment request and transmitting the transaction payment request to the authentication mechanism server; and carrying out user identity verification on the transaction payment request, if the user identity verification is passed, feeding back account confirmation information to the user so as to enable the unified payment authentication server to receive the account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
Since the principle of solving the problem by the server is similar to the above method, the implementation of the server may refer to the implementation of the method, and is not described herein again.
Based on the same principle, the embodiment also discloses a payment mechanism server. The payment mechanism server is configured to receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is a transaction payment request of a user received by the unified payment authentication server, and a corresponding authentication mechanism server is determined according to the transaction payment request; transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed; and receiving account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information, transmitting the transaction payment request to the payment mechanism server to obtain the transaction payment request, and carrying out transaction deduction according to the transaction payment request.
Since the principle of solving the problem by the server is similar to the above method, the implementation of the server may refer to the implementation of the method, and is not described herein again.
Based on the same principle, the embodiment also discloses a unified payment authentication transaction system. The unified payment authentication transaction system comprises a unified payment authentication transaction device, an authentication mechanism server and a payment mechanism server.
The unified payment authentication transaction device is used for receiving a transaction payment request of a user and determining a corresponding authentication mechanism server according to the transaction payment request; transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed; and receiving account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information, and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
Since the principle of the system for solving the problem is similar to the above method, the implementation of the system can refer to the implementation of the method, and the detailed description is omitted here.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
In a typical example, the computer device specifically includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and the processor implements the method executed by the user terminal as described above when executing the program, or implements the method executed by the server as described above when executing the program.
Referring now to FIG. 8, shown is a schematic diagram of a computer device 600 suitable for use in implementing embodiments of the present application.
As shown in fig. 8, the computer apparatus 600 includes a Central Processing Unit (CPU)601 which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data necessary for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 606 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 608.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (14)
1. A unified payment authentication transaction method, comprising:
receiving a transaction payment request of a user, and determining a corresponding certification authority server according to the transaction payment request;
transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed;
and receiving account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information, and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
2. The unified payment authentication transaction method of claim 1, wherein said transmitting the transaction payment request to the certificate authority server specifically comprises:
transmitting the transaction payment request to an order receipt server to cause the order receipt server to transmit the transaction payment request to the certification authority server.
3. The unified payment authentication transaction method of claim 2, wherein said transmitting the transaction payment request to an order receipt server to cause the order receipt server to transmit the transaction payment request to the certificate authority server specifically comprises:
and if the receipt server and the certification authority server belong to different transaction systems, transmitting the transaction payment request to the certification authority server through direct connection and disconnection processing of a clearing server.
4. The unified payment authentication transaction method according to claim 1, wherein the feeding back account confirmation information to the user specifically comprises:
determining whether the user has an account of a payment mechanism corresponding to the authentication mechanism server according to the transaction payment request, and if so, determining all accounts of the user and forming account confirmation information;
and if the account confirmation information does not exist, forming account binding account confirmation information.
5. The unified payment authentication transaction method according to claim 4, wherein the receiving the account information transmitted by the user according to the account confirmation information specifically comprises:
if the account of the payment mechanism corresponding to the certification mechanism server exists, displaying all accounts for the user, and forming account information based on the account selected by the user;
and if the account of the payment mechanism corresponding to the certification mechanism server does not exist, displaying an account binding interface to the user, and forming account information based on the account bound by the user.
6. The unified payment authentication transaction method of claim 5, wherein the account binding comprises binding a new account and opening a card, and the forming account information based on the account bound by the user specifically comprises:
if the user selects to bind a new account, based on a new account payment mechanism and an account input by the user, transmitting the account to a payment mechanism server of the payment mechanism for user identity verification, and if the verification is passed, receiving user account information transmitted by the payment mechanism server;
if the user selects to open the card, based on a card opening application input by the user, determining a payment mechanism according to the card opening application, transmitting the card opening application to a payment mechanism server of the payment mechanism for user identity verification, and if the verification is passed, opening an account corresponding to the user and receiving user account information transmitted by the payment mechanism server.
7. A unified payment authentication transaction method, comprising:
receiving a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is obtained by the unified payment authentication server receiving a transaction payment request of a user, determining a corresponding authentication mechanism server according to the transaction payment request and transmitting the transaction payment request to the authentication mechanism server;
and carrying out user identity verification on the transaction payment request, if the user identity verification is passed, feeding back account confirmation information to the user so as to enable the unified payment authentication server to receive the account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
8. A unified payment authentication transaction method, comprising:
receiving a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is a transaction payment request of a user received by the unified payment authentication server, and determining a corresponding authentication mechanism server according to the transaction payment request; transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed; receiving account information transmitted by a user according to the account confirmation information, determining a payment mechanism server according to the account information, and transmitting the transaction payment request to the payment mechanism server to obtain the transaction payment request;
and carrying out transaction deduction according to the transaction payment request.
9. A unified payment authentication transaction apparatus, comprising:
the request analysis module is used for receiving a transaction payment request of a user and determining a corresponding authentication mechanism server according to the transaction payment request;
the user authentication module is used for transmitting the transaction payment request to the authentication mechanism server so as to enable the authentication mechanism server to carry out user identity verification on the transaction payment request, and if the user identity verification is passed, account confirmation information is fed back to the user;
and the payment transaction module is used for receiving the account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
10. The certification authority server is characterized by being configured to receive a transaction payment request transmitted by a unified payment certification server, wherein the transaction payment request is obtained by the unified payment certification server receiving a transaction payment request of a user, determining a corresponding certification authority server according to the transaction payment request and transmitting the transaction payment request to the certification authority server; and carrying out user identity verification on the transaction payment request, if the user identity verification is passed, feeding back account confirmation information to the user so as to enable the unified payment authentication server to receive the account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
11. The payment mechanism server is characterized by being configured to receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is a transaction payment request of a user received by the unified payment authentication server, and a corresponding authentication mechanism server is determined according to the transaction payment request; transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed; and receiving account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information, transmitting the transaction payment request to the payment mechanism server to obtain the transaction payment request, and carrying out transaction deduction according to the transaction payment request.
12. A unified payment authentication transaction system is characterized by comprising a unified payment authentication transaction device, an authentication mechanism server and a payment mechanism server;
the unified payment authentication transaction device is used for receiving a transaction payment request of a user and determining a corresponding authentication mechanism server according to the transaction payment request; transmitting the transaction payment request to the certification authority server so that the certification authority server performs user identity verification on the transaction payment request, and feeding back account confirmation information to a user if the user identity verification is passed; and receiving account information transmitted by the user according to the account confirmation information, determining a payment mechanism server according to the account information, and transmitting the transaction payment request to the payment mechanism server for transaction deduction.
13. A computer 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, implements the method of any of claims 1-8.
14. A computer-readable medium, having stored thereon a computer program,
the program when executed by a processor implementing the method according to any one of claims 1-8.
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