CN113673983A - Method, system, device, equipment and computer medium for paying unit settlement card - Google Patents
Method, system, device, equipment and computer medium for paying unit settlement card Download PDFInfo
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Abstract
The invention discloses a payment method system, a device, equipment and a computer medium for a unit settlement card, wherein the method comprises the following steps: when an enterprise fund application request is received, outputting an information configuration page; acquiring application information input in the configuration page, encrypting the application information and sending the encrypted application information to an enterprise server, and authenticating the application information through the enterprise server to obtain approval information; receiving approval information sent by the enterprise server, and writing the approval information into the NFC chip; and when a payment application is received, executing payment operation and updating the available amount in the approval information in the NFC chip according to the payment amount in the payment application. The payment operation of the unit settlement card is executed based on the NFC chip, so that one unit settlement card can be used by a plurality of persons at the same time, and the safety and convenience of payment are ensured.
Description
Technical Field
The present invention relates to the field of financial technology (Fintech), and more particularly, to a method, system, apparatus, device, and computer medium for payment of a unit settlement card.
Background
With the rapid development of internet technologies, especially internet financial technology (Fintech), more and more technologies (big data, distributed, Blockchain, artificial intelligence, etc.) are applied in the financial field.
NFC (Near Field Communication abbreviation, namely Near Field Communication technology) payment scenes are increasing, the current NFC payment mode is bound with a bank card and can execute Near Field payment, the current unit settlement card is generally a one-time pad use mode, namely, when employees of an enterprise apply for enterprise funds, a financial department can give the unit settlement card to an application user, after the application user takes the unit settlement card of an entity, the unit settlement card is close to a terminal so that limit information in the unit settlement card is written into a terminal NFC chip, the unit settlement card entity card of the enterprise still needs to be carried during the payment mode, once the number of business trips is increased, the requirements are difficult to meet.
Disclosure of Invention
The invention mainly aims to provide a unit settlement card payment method, a system, a device, equipment and a computer medium, aiming at solving the technical problems that when the current unit settlement card is settled, the password needs to be modified by holding the unit settlement card for each payment, the operation is troublesome, and the use requirement cannot be met when a plurality of persons use the unit settlement card.
In order to achieve the above object, the present invention provides a payment method for a unit settlement card, which is applied to an application terminal, the payment method for the unit settlement card comprising the steps of:
when an enterprise fund application request is received, outputting an information configuration page for a user to configure application information in the information configuration page;
acquiring application information input in the configuration page, encrypting the application information and sending the encrypted application information to an enterprise server, and authenticating the application information through the enterprise server to obtain approval information;
receiving approval information sent by the enterprise server, and writing the approval information into the NFC chip;
and when a payment application is received, executing payment operation and updating the available amount in the approval information in the NFC chip according to the payment amount in the payment application.
Optionally, before the step of outputting an information configuration page when the enterprise fund application request is received, so that the user configures application information in the information configuration page, the method includes:
when an account registration request is received, acquiring user information associated with the account registration request, and sending the user information to an enterprise server, so that the enterprise server associates the user information with a unit settlement card identifier and sends key information to an application terminal;
receiving key information sent by the enterprise server, and storing the key information;
the step of outputting an information configuration page when receiving an enterprise fund application request, so that a user configures application information in the information configuration page comprises the following steps:
when an enterprise fund application request is received, acquiring user information related to the enterprise fund application request and a unit settlement card identifier of a unit to which the user information belongs;
and generating a configuration page containing the unit settlement card identifier so that a user can configure application information in the configuration page.
Optionally, the step of executing a payment operation and updating an available amount in approval information in the NFC chip according to a payment amount in the payment application when the payment application is received includes:
when a payment instruction is received, calling out a payment page through an NFC chip to prompt a user to input payment verification information and a payment amount;
obtaining payment verification information and payment amount in the payment page, and performing user identity verification according to the payment verification information;
when the user identity authentication is passed, judging whether the available amount in the approval information is larger than or equal to the payment amount in the payment application;
and if the available amount in the approval information is larger than or equal to the payment amount in the payment application, executing payment operation and updating the available amount in the approval information in the NFC chip.
In addition, in order to achieve the above object, the present invention also provides a unit settlement card payment method applied to an enterprise server, the method comprising the steps of:
after application information sent by an application terminal is received, the application information is sent to an approval terminal so as to approve the application information through the approval terminal, wherein the application information comprises unit settlement card identification and application limit information;
when the approval of the approval terminal is detected to pass, the approval terminal is obtained to sign the application information according to a preset signature mode, and the signed application information is sent to a bank server so that the bank server can generate approval information based on the application information with the signature;
and when receiving the approval information sent by the bank server, sending the approval information to the application terminal so as to write the approval information into an NFC chip of the application terminal to execute payment operation.
Optionally, after the step of receiving the application information sent by the application terminal and sending the application information to the approval terminal, the method includes:
if the approval result sent by the approval terminal is not received within a preset time period, sending a prompt message to the approval terminal so that the approval terminal can carry out approval;
and prompting a user to input new application information when the approval of the approval terminal is not passed.
In addition, to achieve the above object, the present invention provides a payment system for a unit settlement card, comprising an application terminal and an enterprise server which are communicatively connected:
the application terminal is used for outputting an information configuration page when an enterprise fund application request is received, so that a user can configure application information in the information configuration page;
the application terminal is used for acquiring the application information input in the configuration page, encrypting the application information and then sending the encrypted application information to the enterprise server;
the enterprise server is used for sending the application information to the approval terminal after receiving the application information sent by the application terminal so as to approve the application information through the approval terminal, wherein the application information comprises unit settlement card identification and application limit information;
the enterprise server is used for acquiring the application information signed by the approval terminal according to a preset signature mode when the approval of the approval terminal is detected to pass, and sending the signed application information to the bank server so that the bank server can generate approval information based on the application information with the signature;
the enterprise server is used for sending the approval information to the application terminal when receiving the approval information sent by the bank server so as to write the approval information into an NFC chip of the application terminal to execute payment operation;
the application terminal is used for receiving the approval information sent by the enterprise server and writing the approval information into the NFC chip;
and the application terminal is used for executing payment operation and updating the available limit in the approval information in the NFC chip according to the payment limit in the payment application when receiving the payment application.
In order to achieve the above object, the present invention also provides a unit settlement card payment apparatus provided at an application terminal, the apparatus including:
the page output module is used for outputting an information configuration page when an enterprise fund application request is received, so that a user can configure application information in the information configuration page;
the encryption sending module is used for acquiring the application information input in the configuration page, sending the application information to an enterprise server after encryption processing, and authenticating the application information through the enterprise server to obtain approval information;
the receiving and writing module is used for receiving the approval information sent by the enterprise server and writing the approval information into the NFC chip;
and the payment updating module is used for executing payment operation and updating the available amount in the approval information in the NFC chip according to the payment amount in the payment application when receiving the payment application.
In order to achieve the above object, the present invention also provides a unit settlement card payment apparatus provided in an enterprise server, the apparatus comprising:
the receiving and sending module is used for sending the application information to an approval terminal after receiving the application information sent by the application terminal so as to approve the application information through the approval terminal, wherein the application information comprises unit settlement card identification and application limit information;
the detection signature module is used for acquiring the signature of the approval terminal on the application information according to a preset signature mode when the approval of the approval terminal is detected to pass, and sending the signed application information to the bank server so that the bank server can generate the approval information based on the application information with the signature;
and the receiving and sending module is used for sending the approval information to the application terminal when receiving the approval information sent by the bank server, so that the approval information is written into the NFC chip of the application terminal to execute payment operation.
Further, to achieve the above object, the present invention also provides a unit settlement card payment apparatus including: a memory, a processor and a unit settlement card payment program stored on the memory and executable on the processor, the unit settlement card payment program when executed by the processor implementing the steps of the unit settlement card payment method as described above.
In addition, to achieve the above object, the present invention also provides a computer medium having a unit settlement card payment program stored thereon, the unit settlement card payment program implementing the steps of the unit settlement card payment method as described above when executed by a processor.
The invention provides a payment method, a system, a device, equipment and a computer medium for a unit settlement card. In the embodiment of the invention, when an enterprise fund application request is received, an information configuration page is output; acquiring application information input in the configuration page, encrypting the application information and sending the encrypted application information to an enterprise server, and authenticating the application information through the enterprise server to obtain approval information; receiving approval information sent by the enterprise server, and writing the approval information into the NFC chip; and when a payment application is received, executing payment operation and updating the available amount in the approval information in the NFC chip according to the payment amount in the payment application. In this embodiment, application terminal encrypts application information and sends to enterprise's server, and enterprise's server is through examining and approving application information for enterprise user's settlement card uses application information and passes through the back in examination and approval, can directly pay, need not find financial affairs and binds to NFC again after taking entity card, makes a unit settlement card use many people to use simultaneously, guarantees the security and the convenience of payment simultaneously effectively.
Drawings
FIG. 1 is a schematic diagram of an apparatus architecture of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart illustrating a payment method for a settlement card according to a first embodiment of the present invention;
fig. 3 is a flow chart illustrating a payment method for a unit settlement card according to a third embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, fig. 1 is a schematic device structure diagram of a hardware operating environment according to an embodiment of the present invention.
The unit settlement card payment device in the embodiment of the invention can be a PC or a server.
As shown in fig. 1, the unit settlement card payment apparatus may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the configuration of the apparatus shown in fig. 1 is not intended to be limiting of the apparatus and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and a unit settlement card payment program.
In the device shown in fig. 1, the network interface 1004 is mainly used for connecting to a backend server and performing data communication with the backend server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and the processor 1001 may be configured to call the unit settlement card payment program stored in the memory 1005 and perform the operations in the unit settlement card payment method described below.
Based on the hardware structure, the embodiment of the payment method of the unit settlement card is provided.
In a first embodiment of the payment method for a settlement card of a unit of the present invention, the method comprises:
when an enterprise fund application request is received, outputting an information configuration page for a user to configure application information in the information configuration page;
acquiring application information input in the configuration page, encrypting the application information and sending the encrypted application information to an enterprise server, and authenticating the application information through the enterprise server to obtain approval information;
receiving approval information sent by the enterprise server, and writing the approval information into the NFC chip;
and when a payment application is received, executing payment operation and updating the available amount in the approval information in the NFC chip according to the payment amount in the payment application.
In this embodiment, the method for paying a single settlement card is applied to an application terminal (also called a client), where the application terminal is a hardware carrier of a payment platform for the single settlement card, and the application terminal registers in advance before implementing the steps of the first embodiment of the present invention, and specifically includes:
when an account registration request is received, acquiring user information associated with the account registration request, and sending the user information to an enterprise server, so that the enterprise server associates the user information with a unit settlement card identifier and sends key information to an application terminal;
and receiving the key information sent by the enterprise server and storing the key information.
The method comprises the steps that a user in an application terminal receives a user registration request, the application terminal obtains user information related to the account registration request, wherein the user information comprises information such as a user name, a user contact way and a user job number, the application terminal sends the user information to an enterprise server so that the enterprise server can associate the user information with a unit settlement card identifier, and after association of the enterprise server is completed, the enterprise server sends key information to the application terminal so that the application terminal can encrypt according to a sent key and the safety of an information transmission process is guaranteed.
Referring to fig. 2, fig. 2 is a schematic flow chart of a first embodiment of the payment method for a unit settlement card according to the present invention, the method including:
and step S10, when the enterprise fund application request is received, outputting an information configuration page for the user to configure the application information in the information configuration page.
The application terminal receives an enterprise fund application request, wherein the triggering mode of the enterprise fund application request is not limited, for example, a user inputs in an application software page corresponding to the payment of a unit settlement card by an enterprise: the "travel expense reimbursement" application terminal actively triggers the enterprise fund application request according to the information input by the user, and in addition, the triggering mode of the enterprise fund application request can also be automatic triggering, for example, the triggering conditions of the enterprise fund application request preset in the application terminal are as follows: the business trip expense is automatically reimbursed every month, and the enterprise fund application request is automatically triggered by the application terminal every month. When the application terminal receives the enterprise fund application request, the application terminal outputs an information configuration page (the configuration page includes the identification information of the existing unit settlement card in the enterprise), so that the user configures the application information in the information configuration page, in this embodiment, step S10 specifically includes:
step a1, when receiving an enterprise fund application request, acquiring user information associated with the enterprise fund application request and a unit settlement card identifier of a unit to which the user information belongs;
step a2, generating a configuration page containing the identity of the unit settlement card, so that the user can configure the application information in the configuration page.
That is, when an application terminal receives an enterprise fund application request, the application terminal obtains user information associated with the enterprise fund application request, the application terminal determines a unit to which a user belongs according to the user information, and then the application terminal obtains a unit settlement card identifier of the unit to which the user information belongs; the application terminal generates a configuration page containing the unit settlement card identification so that the user can configure application information in the configuration page, wherein the application information comprises but is not limited to the unit settlement card identification, application time, application amount and use information.
And step S20, acquiring the application information input in the configuration page, encrypting the application information and sending the encrypted application information to an enterprise server, and authenticating the application information through the enterprise server to obtain approval information.
The application terminal acquires application information input in the configuration page, the application terminal sends the application information to the enterprise server after encryption processing, the application information is authenticated through the enterprise server to obtain approval information, namely, the enterprise server generates the application information to the approval terminal (called financial terminal again) for approval, when the approval of the financial terminal is passed, the enterprise server generates the application information to the bank server to enable the bank server to perform approval and acquire the approval information, the bank server generates the approval information to the enterprise server, and the approval information is sent to the application terminal through the enterprise server,
And step S30, receiving the approval information sent by the enterprise server, and writing the approval information into the NFC chip.
The application terminal receives the approval information sent by the enterprise server, the application terminal outputs the approval information to confirm the page, the user can click a confirmation button in the page, and when the application terminal receives the confirmation operation of the user, the application terminal writes the approval information into an NFC chip in the application terminal to realize the payment operation.
And step S40, when a payment application is received, executing payment operation and updating the available quota in the approval information in the NFC chip according to the payment quota in the payment application.
When the application terminal receives the payment application, the application terminal acquires the payment amount information, deducts the available amount in the unit settlement card according to the payment amount, and subtracts the payment amount from the available amount to update the available amount in the approval information in the NFC chip.
In this embodiment, the application terminal encrypts the application information, so that the application can be directly used for payment after the application is approved by the application terminal of the enterprise user, and the NFC is bound to the financial account after the financial account is taken by the entity card, so that the payment can be simultaneously used by multiple persons in one unit, and the security and convenience of payment can be effectively guaranteed.
Further, based on the first embodiment of the payment method for the unit settlement card of the present invention, a second embodiment of the payment method for the unit settlement card of the present invention is provided.
This embodiment is a refinement step of step S40 in the first embodiment, and the areas of this embodiment and the above embodiments lie in:
when a payment instruction is received, calling out a payment page through an NFC chip to prompt a user to input payment verification information and a payment amount;
obtaining payment verification information and payment amount in the payment page, and performing user identity verification according to the payment verification information;
when the user identity authentication is passed, judging whether the available amount in the approval information is larger than or equal to the payment amount in the payment application;
and if the available amount in the approval information is larger than or equal to the payment amount in the payment application, executing payment operation and updating the available amount in the approval information in the NFC chip.
Namely, when the application terminal receives a payment instruction, the application terminal calls out a payment page through the NFC chip to prompt a user to input payment verification information and a payment amount; the method comprises the steps that an application terminal obtains payment verification information (the payment verification information comprises user biological characteristic information such as user fingerprint information, user face information or password information) and payment amount in a payment page, and the application terminal conducts user identity verification according to the payment verification information; when the user identity authentication is passed, the application terminal judges whether the available amount in the approval information is greater than or equal to the payment amount in the payment application; if the available amount in the approval information is smaller than the payment amount in the payment application, the application terminal outputs prompt information; and if the available limit in the approval information is larger than or equal to the payment limit in the payment application, executing the payment operation and updating the available limit in the approval information in the NFC chip, and subtracting the payment limit from the available limit by the application terminal to obtain a new available limit.
In the embodiment, the application terminal sends information to be paid (payment information comprises information such as settlement card numbers and authorized amount) and information such as the authorized amount to the bank system, and the whole message is asymmetrically encrypted by adopting the user key in the whole communication process, so that the payment elements are difficult to tamper, and the safety of a communication link is ensured.
Further, referring to fig. 3, a third embodiment of the payment method for a unit settlement card of the present invention is provided based on the above-described embodiment of the payment method for a unit settlement card of the present invention.
In this embodiment, the payment method for a single settlement card is applied to an enterprise server, and in this embodiment, the payment method for a single settlement card specifically includes:
step S50, receiving the application information sent by the application terminal, sending the application information to the approval terminal, so as to pass through the approval terminal to approve the application information, wherein the application information comprises unit settlement card identification and application limit information
The enterprise server receives application information sent by the application terminal, the enterprise server sends the application information to the approval terminal, the approval terminal refers to a terminal corresponding to a financial staff, the number of the approval terminals is not specifically limited, and the application information is approved through the approval terminal, wherein the application information comprises unit settlement card identification and application limit information, an approval process and an approval rule are preset in the enterprise server in the embodiment, when the enterprise server receives the application information sent by the application terminal, the enterprise server determines the approval process and the approval rule according to the application information, and the enterprise server sends the application information to the approval terminal according to the approval process, so that the approval terminal can approve according to the approval rule. In this embodiment, the enterprise server sends the application information to the approval terminal for approval, so as to ensure the reasonability of the approval quota.
And step S60, when the approval of the approval terminal is detected to pass, the approval terminal is obtained to sign the application information according to a preset signature mode, and the signed application information is sent to the bank server so that the bank server can generate the approval information based on the application information with the signature.
When the enterprise server detects that the approval of the approval terminal passes, the enterprise server obtains application information signed by the approval terminal according to a preset signature mode (the preset signature mode refers to that a bank server and the approval terminal set a signature mode when the approval terminal registers in a unit settlement card, for example, the approval terminal processes the application information through a U shield), and the enterprise server sends the signed application information to the bank server so that the bank server can generate the approval information based on the application information with the signature.
And step S70, when receiving the approval information sent by the bank server, sending the approval information to the application terminal so as to write the approval information into the NFC chip of the application terminal to execute payment operation.
When the enterprise server receives the approval information sent by the bank server, the enterprise server sends the approval information to the application terminal so as to write the approval information into the NFC chip of the application terminal to execute payment operation. The enterprise server processes the application information in the embodiment and sends the application information to the bank server, namely, the enterprise server sends information such as information to be paid, an enterprise certificate and an authorized amount to a bank system, the whole communication process adopts a user key to asymmetrically encrypt the whole message, the enterprise encrypted certificate is used for signing data, it is guaranteed that payment elements are difficult to be tampered, the safety of a communication link is guaranteed, meanwhile, current available amount information is recorded through an NFC chip, an additional password introduced by a traditional one-time pad is avoided, the enterprise multi-person shared settlement card is facilitated, a more convenient way is provided for a user to rapidly and safely use a unit settlement card, meanwhile, the safety is also guaranteed, and various requirements of general enterprise users can be met.
The embodiment of the invention also provides a unit settlement card payment system, which comprises an application terminal and an enterprise server which are in communication connection:
the application terminal is used for outputting an information configuration page when an enterprise fund application request is received, so that a user can configure application information in the information configuration page;
the application terminal is used for acquiring the application information input in the configuration page, encrypting the application information and then sending the encrypted application information to the enterprise server;
the enterprise server is used for sending the application information to the approval terminal after receiving the application information sent by the application terminal so as to approve the application information through the approval terminal, wherein the application information comprises unit settlement card identification and application limit information;
the enterprise server is used for acquiring the application information signed by the approval terminal according to a preset signature mode when the approval of the approval terminal is detected to pass, and sending the signed application information to the bank server so that the bank server can generate approval information based on the application information with the signature;
the enterprise server is used for sending the approval information to the application terminal when receiving the approval information sent by the bank server so as to write the approval information into an NFC chip of the application terminal to execute payment operation;
the application terminal is used for receiving the approval information sent by the enterprise server and writing the approval information into the NFC chip;
and the application terminal is used for executing payment operation and updating the available limit in the approval information in the NFC chip according to the payment limit in the payment application when receiving the payment application.
The present invention also provides a unit settlement card payment apparatus applied to an application terminal, the unit settlement card payment apparatus comprising:
the page output module is used for outputting an information configuration page when an enterprise fund application request is received, so that a user can configure application information in the information configuration page;
the encryption sending module is used for acquiring the application information input in the configuration page, sending the application information to an enterprise server after encryption processing, and authenticating the application information through the enterprise server to obtain approval information;
the receiving and writing module is used for receiving the approval information sent by the enterprise server and writing the approval information into the NFC chip;
and the payment updating module is used for executing payment operation and updating the available amount in the approval information in the NFC chip according to the payment amount in the payment application when receiving the payment application.
In one embodiment, the unit settlement card payment apparatus includes:
the system comprises a registration sending module, a key information sending module and an application terminal, wherein the registration sending module is used for acquiring user information associated with an account registration request when the account registration request is received, and sending the user information to an enterprise server so that the enterprise server associates the user information with a unit settlement card identifier and sends key information to the application terminal;
the receiving and storing module is used for receiving the key information sent by the enterprise server and storing the key information;
the page output module comprises:
the request receiving unit is used for acquiring user information related to an enterprise fund application request and a unit settlement card identifier of a unit to which the user information belongs when the enterprise fund application request is received;
and the page generating unit is used for generating a configuration page containing the unit settlement card identifier so that a user can configure application information in the configuration page.
In one embodiment, the payment update module includes:
the request receiving unit is used for calling out a payment page through the NFC chip when receiving the payment instruction so as to prompt a user to input payment verification information and a payment amount;
the acquisition unit is used for acquiring payment verification information and payment amount in the payment page and carrying out user identity verification according to the payment verification information;
the information judgment unit is used for judging whether the available amount in the approval information is larger than or equal to the payment amount in the payment application or not when the user identity authentication passes;
and the payment updating unit is used for executing payment operation and updating the available amount in the approval information in the NFC chip if the available amount in the approval information is greater than or equal to the payment amount in the payment application.
The present invention also provides a unit settlement card payment apparatus applied to an enterprise server, the unit settlement card payment apparatus comprising:
the request receiving module is used for sending the application information to an approval terminal after receiving the application information sent by the application terminal so as to approve the application information through the approval terminal, wherein the application information comprises unit settlement card identification and application limit information;
the detection sending module is used for acquiring the signature of the approval terminal on the application information according to a preset signature mode when the approval of the approval terminal is detected to pass, and sending the signed application information to the bank server so that the bank server can generate the approval information based on the application information with the signature;
and the receiving and sending module is used for sending the approval information to the application terminal when receiving the approval information sent by the bank server, so that the approval information is written into the NFC chip of the application terminal to execute payment operation.
In one embodiment, the unit settlement card payment device includes:
the prompt sending module is used for sending prompt information to the approval terminal if the approval result sent by the approval terminal is not received within a preset time period so as to enable the approval terminal to carry out approval;
and the sending prompting module is used for prompting a user to input new application information when the approval of the approval terminal is detected to be failed.
In the embodiment of the invention, when an enterprise fund application request is received, an information configuration page is output; acquiring application information input in the configuration page, encrypting the application information and sending the encrypted application information to an enterprise server, and authenticating the application information through the enterprise server to obtain approval information; receiving approval information sent by the enterprise server, and writing the approval information into the NFC chip; and when a payment application is received, executing payment operation and updating the available amount in the approval information in the NFC chip according to the payment amount in the payment application. In this embodiment, the application terminal encrypts the application information, so that the application can be directly used for payment after the application is approved by the application terminal of the enterprise user, and the NFC is bound to the financial account after the financial account is taken by the entity card, so that the payment can be simultaneously used by multiple persons in one unit, and the security and convenience of payment can be effectively guaranteed.
The method executed by each program module can refer to each embodiment of the payment method for the unit settlement card of the invention, and is not described herein again.
The present invention also provides a computer medium.
The computer medium of the present invention stores thereon a unit settlement card payment program which, when executed by a processor, implements the steps of the unit settlement card payment method as described above.
The method implemented when the unit settlement card payment program running on the processor is executed can refer to the embodiments of the unit settlement card payment method of the present invention, and is not described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. 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 system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A payment method of a unit settlement card is characterized in that the payment method of the unit settlement card is applied to an application terminal, an NFC chip is preset in the application terminal, and the method comprises the following steps:
when an enterprise fund application request is received, outputting an information configuration page for a user to configure application information in the information configuration page;
acquiring application information input in the configuration page, encrypting the application information and sending the encrypted application information to an enterprise server, and authenticating the application information through the enterprise server to obtain approval information;
receiving approval information sent by the enterprise server, and writing the approval information into the NFC chip;
and when a payment application is received, executing payment operation and updating the available amount in the approval information in the NFC chip according to the payment amount in the payment application.
2. The unit settlement card payment method of claim 1, wherein the step of outputting an information configuration page for a user to configure application information in the information configuration page upon receiving a request for a corporate fund application is preceded by the step of:
when an account registration request is received, acquiring user information associated with the account registration request, and sending the user information to an enterprise server, so that the enterprise server associates the user information with a unit settlement card identifier and sends key information to an application terminal;
receiving key information sent by the enterprise server, and storing the key information;
the step of outputting an information configuration page when receiving an enterprise fund application request, so that a user configures application information in the information configuration page comprises the following steps:
when an enterprise fund application request is received, acquiring user information related to the enterprise fund application request and a unit settlement card identifier of a unit to which the user information belongs;
and generating a configuration page containing the unit settlement card identifier so that a user can configure application information in the configuration page.
3. The unit settlement card payment method of claim 1, wherein the step of performing a payment operation and updating an available amount in approval information in the NFC chip according to a payment amount in a payment application upon receiving the payment application comprises:
when a payment instruction is received, calling out a payment page through an NFC chip to prompt a user to input payment verification information and a payment amount;
obtaining payment verification information and payment amount in the payment page, and performing user identity verification according to the payment verification information;
when the user identity authentication is passed, judging whether the available amount in the approval information is larger than or equal to the payment amount in the payment application;
and if the available amount in the approval information is larger than or equal to the payment amount in the payment application, executing payment operation and updating the available amount in the approval information in the NFC chip.
4. A unit settlement card payment method applied to an enterprise server, the method comprising the steps of:
after application information sent by an application terminal is received, the application information is sent to an approval terminal so as to approve the application information through the approval terminal, wherein the application information comprises unit settlement card identification and application limit information;
when the approval of the approval terminal is detected to pass, the approval terminal is obtained to sign the application information according to a preset signature mode, and the signed application information is sent to a bank server so that the bank server can generate approval information based on the application information with the signature;
and when receiving the approval information sent by the bank server, sending the approval information to the application terminal so as to write the approval information into an NFC chip of the application terminal to execute payment operation.
5. The unit settlement card payment method of claim 4, wherein after the step of receiving the application information transmitted from the application terminal and transmitting the application information to the approval terminal, comprising:
if the approval result sent by the approval terminal is not received within a preset time period, sending a prompt message to the approval terminal so that the approval terminal can carry out approval;
and prompting a user to input new application information when the approval of the approval terminal is not passed.
6. A payment system for a unit settlement card, comprising an application terminal and an enterprise server which are connected in communication:
the application terminal is used for outputting an information configuration page when an enterprise fund application request is received, so that a user can configure application information in the information configuration page;
the application terminal is used for acquiring the application information input in the configuration page, encrypting the application information and then sending the encrypted application information to the enterprise server;
the enterprise server is used for sending the application information to the approval terminal after receiving the application information sent by the application terminal so as to approve the application information through the approval terminal, wherein the application information comprises unit settlement card identification and application limit information;
the enterprise server is used for acquiring the application information signed by the approval terminal according to a preset signature mode when the approval of the approval terminal is detected to pass, and sending the signed application information to the bank server so that the bank server can generate approval information based on the application information with the signature;
the enterprise server is used for sending the approval information to the application terminal when receiving the approval information sent by the bank server so as to write the approval information into an NFC chip of the application terminal to execute payment operation;
the application terminal is used for receiving the approval information sent by the enterprise server and writing the approval information into the NFC chip;
and the application terminal is used for executing payment operation and updating the available limit in the approval information in the NFC chip according to the payment limit in the payment application when receiving the payment application.
7. A unit settlement card payment apparatus, wherein the unit settlement card payment apparatus is provided to an application terminal, the apparatus comprising:
the page output module is used for outputting an information configuration page when an enterprise fund application request is received, so that a user can configure application information in the information configuration page;
the encryption sending module is used for acquiring the application information input in the configuration page, sending the application information to an enterprise server after encryption processing, and authenticating the application information through the enterprise server to obtain approval information;
the receiving and writing module is used for receiving the approval information sent by the enterprise server and writing the approval information into the NFC chip;
and the payment updating module is used for executing payment operation and updating the available amount in the approval information in the NFC chip according to the payment amount in the payment application when receiving the payment application.
8. A unit settlement card payment apparatus provided in an enterprise server, the apparatus comprising:
the receiving and sending module is used for sending the application information to an approval terminal after receiving the application information sent by the application terminal so as to approve the application information through the approval terminal, wherein the application information comprises unit settlement card identification and application limit information;
the detection signature module is used for acquiring the signature of the approval terminal on the application information according to a preset signature mode when the approval of the approval terminal is detected to pass, and sending the signed application information to the bank server so that the bank server can generate the approval information based on the application information with the signature;
and the receiving and sending module is used for sending the approval information to the application terminal when receiving the approval information sent by the bank server, so that the approval information is written into the NFC chip of the application terminal to execute payment operation.
9. A unit settlement card payment apparatus, which may be an application terminal and/or an enterprise server, comprising: a memory, a processor, and a unit settlement card payment program stored on the memory and executable on the processor,
the unit settlement card payment program, when executed by the processor, implements the steps of the unit settlement card payment method as recited in any one of claims 1 to 5.
10. A computer medium, characterized in that the computer medium has stored thereon a unit settlement card payment program which, when executed by a processor, implements the steps of the unit settlement card payment method as claimed in any one of claims 1 to 5.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010408691.4A CN113673983A (en) | 2020-05-14 | 2020-05-14 | Method, system, device, equipment and computer medium for paying unit settlement card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN202010408691.4A CN113673983A (en) | 2020-05-14 | 2020-05-14 | Method, system, device, equipment and computer medium for paying unit settlement card |
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| CN101251913A (en) * | 2008-04-10 | 2008-08-27 | 华为技术有限公司 | Administrative system and method of self-help apply for reimbursement |
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