CN114742547A

CN114742547A - Internet online collection control method, device, medium and electronic equipment

Info

Publication number: CN114742547A
Application number: CN202210374691.6A
Authority: CN
Inventors: 郑琪
Original assignee: Baianju Information Technology Shanghai Co ltd
Current assignee: Baianju Information Technology Shanghai Co ltd
Priority date: 2022-04-11
Filing date: 2022-04-11
Publication date: 2022-07-12

Abstract

The invention provides an Internet online collection control method, an Internet online collection control device, an Internet online collection control medium and electronic equipment. The method comprises the steps of receiving a payment request with a payment mode sent by a user terminal, and inquiring an implementation class for sending the payment request to a first cooperation institution payment platform in an implementation class list according to the payment request; the method comprises the steps that parameter information of a payment order is assembled, and a request for obtaining a payment string of a payment channel is sent to a first cooperation institution payment platform according to the parameter information; receiving information returned by an interface connected with the first cooperation mechanism, if the information returned by the interface is abnormal, switching the first cooperation mechanism to a payment platform of a second cooperation mechanism, and if the information returned by the interface is abnormal, calling a payment channel sdk to wake up a payment channel cashier desk through the payment channel to facilitate the user to finish payment. When the third-party cash register fails, the method and the system can switch under the condition that the user does not sense the failure, so that the user can continue normal payment, and the user experience is improved.

Description

Internet online collection control method, device, medium and electronic equipment

Technical Field

The invention relates to the field of intelligent collection, in particular to an internet online collection control method, device, medium and electronic equipment.

Background

In the network mall system, the payment modes for ordering by the user generally include official WeChat, official Payment treasure, Bank or WeChat and Payment treasure which are secondarily packaged by a bank organization. In the traditional internet cash collecting device, the server side needs to be in interface butt joint and joint adjustment with the third-party cash collecting institutions, the process is complex, and the period is long. With the increase of enterprise mall systems, the work time of the third party docking is increased linearly, and the repeated work is numerous, so that the time of putting the system into production and getting on line is influenced, and the loss is caused to enterprises. When a third-party interface provider of one payment mode breaks down, the enterprise can not finish payment collection directly, the user can not finish the ordering process, troubles are caused to the user, the user has low sensitivity to the system, and meanwhile, the enterprise can not normally collect the payment.

Disclosure of Invention

In view of the above-mentioned shortcomings of the prior art, it is an object of the present invention to provide an internet online payment control method, apparatus, medium and electronic device, which are used to solve the above problems in the prior art.

In order to achieve the above objects and other related objects, the present invention provides an internet online payment control method, including: receiving a payment request with a payment mode sent by a user terminal, and inquiring an implementation class for sending the payment request to a first cooperation mechanism payment platform in an implementation class list according to the payment request; the method comprises the steps that parameter information of a payment order is assembled, and a request for obtaining a payment string of a payment channel is sent to a first cooperation institution payment platform according to the parameter information; receiving information returned by an interface connected with the first cooperation mechanism, if the information returned by the interface is abnormal, switching the first cooperation mechanism to a payment platform of a second cooperation mechanism, and if the information returned by the interface is abnormal, calling a payment channel sdk to wake up a payment channel cashier desk through the payment channel to facilitate the user to finish payment.

In an embodiment of the present invention, the method further includes: the implementation class list comprises payment modes and implementation classes corresponding to the payment modes, wherein the payment modes are configured in the modes of a payment platform of a cooperative mechanism and a payment channel, the payment channel is a classification of different terminal payment modes, and the implementation classes define a method for interacting with the payment platform of the cooperative mechanism and comprise ordering, payment result inquiring, refund and refund result inquiring.

In an embodiment of the present invention, the method further includes: calling subclasses to filter different payment modes of the cashier terminal; and classifying the payment modes by adopting an abstract parent class method.

In an embodiment of the present invention, before receiving a payment request with a payment method sent by a user terminal: signature verification is carried out on sign parameters sent by a business module through an RSA public key, the sign parameters are generated by the business module through signature of an RSA private key to a first character string, the first character string is generated by json assembling payment order information fields and values, and the RSA public key is registered in a payment center after an RSA private key pair is generated in advance by the business module; after the signature verification is passed, encrypting the specific payment order information in the sign parameters by using an RSA public key to generate payment center cash register information; and sending the cashier information of the payment center to a service module, and reading payment parameters and calling the parameters to wake up the cashier terminal after confirming the used cashier terminal by the service module.

In an embodiment of the present invention, the method further includes, after acquiring the payment request sent by the user terminal: performing md5 verification on each parameter field in the payment center cash register information, and performing RSA decryption on the payment center cash register information after the verification is passed; and reading and displaying a payment mode list supported by the service module in the decrypted payment center cash register information.

In an embodiment of the present invention, after receiving a payment request with a payment method sent by a user terminal: and calling a payment interface initiating payment to store the payment mode of the payment order and the payment state of the payment order in a database, wherein the payment state is to be paid.

In an embodiment of the present invention, the method further includes: further comprising, after the user makes a payment through the user terminal: inquiring a payment result at regular time, and calling back an http interface corresponding to a corresponding field of the payment order by the payment platform of the cooperative mechanism to return a payment record; changing the payment state of the payment order into payment completion according to the payment record, and updating and storing the payment completion into the database; and sending the paid mq message to a service module according to the payment parameters constructed by the service module so that the service module changes the order state. Wherein the mq message comprises an order number, a payment amount and a payment time.

To achieve the above and other related objects, the present invention provides an internet online collection control system, comprising: the receiving module is used for receiving a payment request with a payment mode sent by a user terminal; the query module: the realization class is used for inquiring in a realization class list according to the payment request and sending the payment request to the first cooperation institution payment platform; the payment system comprises a sending module, a payment channel acquisition module and a payment module, wherein the sending module is used for sending a request for acquiring a payment string of a payment channel to a first cooperation mechanism payment platform according to parameter information of a payment order by assembling the parameter information; the switching module is used for switching the first cooperation mechanism into a second cooperation mechanism payment platform after receiving the abnormal information returned by the first cooperation mechanism docking interface; and the awakening module is used for awakening a payment channel cashier desk through the payment string calling the payment channel sdk so as to facilitate the user to complete payment when receiving the payment channel payment string returned by the first cooperation mechanism docking interface.

To achieve the above and other related objects, the present invention provides a computer-readable storage medium, in which a computer program is stored, and when the computer program is loaded and executed by a processor, the internet online charging control method is implemented.

To achieve the above and other related objects, the present invention provides an electronic device, comprising: a processor, a memory, and a communication interface; wherein the memory is for storing a computer program; the processor is used for loading and executing the computer program to enable the electronic equipment to execute the Internet online cash register control method; the communication interface is used for realizing communication between the access device and other equipment.

As described above, the internet online collection control method, device, medium, and electronic device provided by the present invention solve the problems of complex development process and time waste caused by differences of interface documents when a business system autonomously accesses different third-party collection institutions, in view of the problems in the prior art. The method of the invention has simple and quick access, supports various types of terminals such as PC, H5, APP and small programs, is accessed once and used by multiple terminals, and greatly reduces the development time and labor cost of a service system. Meanwhile, when the third-party cash register breaks down, switching can be performed under the condition that the user does not sense, so that the user can continue normal payment, and the user experience is improved.

Drawings

Fig. 1 is a schematic flow chart illustrating an internet online collection control method according to an embodiment of the present invention.

Fig. 2 is a block diagram of an internet online collection control system according to an embodiment of the present invention.

Fig. 3 is a block diagram of an internet online collection control system according to an embodiment of the present invention.

Fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the invention.

Detailed Description

The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.

It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.

The invention provides an internet online collection control method, device, medium and electronic equipment, and aims to solve the problems that in the prior art, a collection device is in butt joint with a third-party collection mechanism, the flow is complex, the period is long, and the fault affects the payment experience of a client.

As shown in fig. 1, the present embodiment provides an internet online collection control method, which includes the following steps:

s11: and receiving a payment request with a payment mode sent by a user terminal, and inquiring an implementation class for sending the payment request to a payment platform of the first cooperation mechanism in an implementation class list according to the payment request.

Specifically, before a payment request with a payment mode sent by a user terminal is received, a business module assembles payment order information through json, performs initial ascending sequencing on fields and values of all parameters in a payment order to generate a new character string, signs the character string by using an RSA private key, and transmits the character string to a payment center module as a sign parameter. And when the payment center module receives the parameters, signature verification is carried out on the sign parameters sent by the business module through the RSA public key. It should be noted that the RSA public key is generated by the service module in advance as an RSA key pair, and then registered with the payment center module.

Further, after the signature verification is passed, the RSA public key is used for encrypting the specific payment order information in the sign parameters through the RSA public key, and then the information such as the business order number, the time stamp and the like is subjected to md5 encryption to generate payment center cash register information.

And further, the payment center cash register information is sent to the business module, and the business module reads the payment parameter calling parameter to awaken the cash register terminal after confirming the used cash register terminal. That is, the service module confirms the used response parameters according to the service requirements, for example, if only the PC and the H5 cash register are used, the payment character string is read and the link is opened to wake up the PC and the H5 cash register, if the APP cash register needs to be used, the parameters under the payment request are read, and then the parameters are called and transmitted to the APP cash register SDK to wake up the APP cash register.

Further, after the user selects the payment mode on the user terminal, the cash register terminal calls the payment initiating interface of the payment center module to transmit the specific payment mode to the payment center. It should be noted that, at this time, the payment center module first stores a payment state as a to-be-paid payment, and the payment record of the payment method selected by the user is recorded in the database.

Further, the specific implementation class which is sent to the payment request by the payment platform of the first cooperation mechanism is inquired according to the payment mode. The implementation class list includes payment methods and implementation classes corresponding to the payment methods, and the implementation class interface defines, for example, a connection mechanism: the method for interaction of the Unionpay, the invitation and the like comprises ordering, payment result inquiry, refund result inquiry and the like. The payment mode is configured in the form of a payment platform and a payment channel of a cooperative institution, for example: union pay business (partner organization) + WeChat (payment channel), so there are many payment methods such as: the payment of the Unionpay business WeChat H5, the payment of the Unionpay business WeChat public number, the payment of the Unionpay business WeChat APP and the payment of the Unionpay business WeChat applet. However, different specific payment methods need to be used for different cash register terminals, so that subclasses are called to filter the payment methods of the different cash register terminals, and then an abstract parent method is adopted to classify the payment methods. For example: the payment of the Unionpay business WeChat APP, the payment of the Unionpay business WeChat applet, the payment of the WeChat public number of the recruiter bank is classified into WeChat payment, the payment of the Unionpay business payment APP is classified into Paibao, and the classification is a payment mode list seen by a user on the first page of a cashier terminal.

S12: and sending a request for acquiring a payment string of a payment channel to a first cooperative payment platform according to the parameter information by assembling the parameter information of the payment order.

Specifically, after a payment request sent by the user terminal is acquired, md5 verification is performed on various parameter fields in the payment center cash information, such as an order number, a sign parameter, a timestamp and the like, and after the verification is passed, RSA decryption is performed on the payment center cash information.

Further, a 'payment mode' list supported by the business module in the decrypted payment center cash information is read and displayed, for example, a set of default payment mode list including a two-dimensional code, a payment treasure, a WeChat, an enterprise online bank and the like is displayed.

Further, after the user selects the payment request of the 'payment method', the specific payment method is responded according to the type of the cash register of the user, for example, the specific payment method of the payment of the Unionpay business WeChat applet is responded after the payment of the Unionpay WeChat is selected.

Further, after the specific implementation class of the payment request sent by the payment platform of the cooperative institution is inquired according to the payment mode, information such as a timestamp and a sign parameter is assembled through JSON, and then the assembled parameter information is sent to the payment platform of the cooperative institution to request for awakening the payment string of the payment channel cashier desk, for example, the parameter for awakening the WeChat official cashier desk.

S13: receiving information returned by an interface connected with the first cooperation mechanism, if the information returned by the interface is abnormal, switching the first cooperation mechanism to a payment platform of a second cooperation mechanism, and if the information returned by the interface is abnormal, calling a payment channel sdk to wake up a payment channel cashier desk through the payment channel to facilitate the user to finish payment.

Specifically, if the first cooperation institution payment platform has an interface abnormality, for example: when a service interface provided by the Unionpay business is down or a request sent by the service interface cannot be responded due to other reasons, the currently configured cooperation mechanism can be replaced by a second cooperation mechanism payment platform which is accessed by other cashier desks such as a tendering bank and the like which can normally provide interface service, then the payment mode obtained by inquiring the payment mode list can be changed into the payment mode of the tendering bank, and finally a request for awakening the payment string of the payment channel cashier desk is sent again, for example, the tendering bank WeChat APP payment is carried out, so that a user can switch a third-party service provider in an imperceptible manner. If the interface returns a payment channel payment string, a WeChat register is awakened sdk by calling the WeChat through this string parameter.

Further, after the user finishes payment, the payment center module queries a payment result from the cooperative mechanism payment platform at regular time, the cooperative mechanism payment platform recalls an http interface corresponding to the corresponding field of the payment order and returns a payment record, and the payment center module changes the payment state of the payment order into payment completion according to the payment record and updates and stores the payment completion into the database.

Further, the paid mq message is sent to the service module according to the payment parameter constructed by the service module so that the service module changes the order state to complete the service logic of the service module. The mq message comprises an order number, payment amount and payment time.

The data flow of the implementation method of fig. 1 in the invention refers to fig. 2.

All or part of the steps for implementing the above method embodiments may be performed by hardware associated with a computer program. Based upon such an understanding, the present invention also provides a computer program product comprising one or more computer instructions. The computer instructions may be stored in a computer readable storage medium. The computer-readable storage medium can be any available medium that a computer can store or a data storage device, such as a server, a data center, etc., that is integrated with one or more available media.

Referring to fig. 3, the present embodiment provides an internet online charging control system 30, which is installed in an electronic device as software to execute the internet online charging control method according to the foregoing method embodiment when running. Since the technical principle of the embodiment of the system is similar to that of the embodiment of the method, repeated description of the same technical details is omitted.

The internet online collection control system 30 of the present embodiment specifically includes: the device comprises a receiving module 21, an inquiring module 22, a sending module 23, a switching module 24 and a waking module 25. The receiving module 21 is configured to receive a payment request with a payment method sent by a user terminal; the data query module 22 is configured to query, according to the payment request, an implementation class that sends the payment request to the first partner institution payment platform in the implementation class list; the sending module 23 is configured to send a request for obtaining a payment string of a payment channel to a first partner institution payment platform according to parameter information of a payment order by assembling the parameter information; the switching module 24 is configured to switch the first cooperation mechanism to a second cooperation mechanism payment platform upon receiving the abnormal information returned by the first cooperation mechanism docking interface; the wake-up module 25 is configured to, upon receiving the payment channel payment string returned from the first partner mechanism docking interface, invoke sdk the payment channel through the payment string to wake up a payment channel checkout counter for the user to complete the payment.

It should be understood by those skilled in the art that the division of the modules in the embodiment of fig. 3 is only a logical division, and all or part of the actual implementation may be integrated on one or more physical entities. And the modules can be realized in a form that all software is called by the processing element, or in a form that all the modules are realized in a form that all the modules are called by the processing element, or in a form that part of the modules are called by the hardware. For example, the switching module 34 may be a separate processing element, or may be integrated in a chip, or may be stored in a memory in the form of program code, and a certain processing element calls and executes the function of the switching module 34. Other modules are implemented similarly. The processing element described herein may be an integrated circuit having signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in the form of software.

Referring to fig. 4, the embodiment provides an electronic device, which may be a portable computer, a smart phone, a tablet computer, or the like. In detail, the electronic device comprises at least, connected by a bus 41: a memory 42, a processor 43, and a communication interface 44, wherein the communication interface 44 is used for implementing communication between the data access device and other devices, the memory 42 is used for storing computer programs, and the processor 43 is used for executing the computer programs stored in the memory 42 to execute all or part of the steps in the foregoing method embodiments.

The above-mentioned system bus may be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The system bus may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown, but this does not mean that there is only one bus or one type of bus. The communication interface is used for realizing communication between the database access device and other equipment (such as a client, a read-write library and a read-only library). The Memory may include a Random Access Memory (RAM), and may further include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory.

The Processor may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; the Integrated Circuit may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, or discrete hardware components.

In summary, according to the internet online collection control method, device, medium and electronic device provided by the invention, for the problems that the traditional collection device is long in butt joint with a third party, the process is complex, the repetitive work is various, and the collection cannot be normally completed when the third party interface fails in the collection process, so that the customer experience is affected, the invention forms a general method based on the classification of the payment mode, and the collection mechanism is switched in a non-inductive manner when the collection is abnormal, so that the butt joint is simple and rapid, the use is convenient, multiple terminals are supported, and the user experience is improved. Therefore, the invention effectively overcomes various defects in the prior art and has high industrial utilization value.

The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which may be made by those skilled in the art without departing from the spirit and scope of the present invention as defined in the appended claims.

Claims

1. An Internet online collection control method is characterized by comprising the following steps:

receiving a payment request with a payment mode sent by a user terminal, and inquiring an implementation class for sending the payment request to a first cooperation mechanism payment platform in an implementation class list according to the payment request;

the method comprises the steps that parameter information of a payment order is assembled, and a request for obtaining a payment string of a payment channel is sent to a first cooperation institution payment platform according to the parameter information;

receiving information returned by an interface connected with the first cooperation mechanism, if the information returned by the interface is abnormal, switching the first cooperation mechanism to a payment platform of a second cooperation mechanism, and if the information returned by the interface is abnormal, calling a payment channel sdk to wake up a payment channel cashier desk through the payment channel to facilitate the user to finish payment.

2. The method of claim 1, further comprising:

the implementation class list comprises payment modes and implementation classes corresponding to the payment modes, wherein the payment modes are configured in the forms of a payment platform of a cooperative mechanism and a payment channel, the payment channel is used for classifying different terminal payment modes, and the implementation classes define a method for interacting with the payment platform of the cooperative mechanism and comprise ordering, payment result inquiring, refund and refund result inquiring.

3. The method of claim 2, further comprising:

calling subclasses to filter different payment modes of the cashier terminal;

and classifying the payment modes by adopting an abstract parent class method.

4. The method of claim 1, further comprising, prior to receiving a payment request with a payment method from a user terminal:

signature verification is carried out on a sign parameter sent by a business module through an RSA public key, the sign parameter is generated by the business module through signature of an RSA private key to a first character string, the first character string is generated by json assembled payment order information fields and values, and the RSA public key is registered to a payment center after an RSA private key pair is generated in advance by the business module;

after the signature verification is passed, encrypting the specific payment order information in the sign parameters by using an RSA public key to generate payment center cash register information;

and sending the cashier information of the payment center to a service module, and reading payment parameters and calling the parameters to wake up the cashier terminal after confirming the used cashier terminal by the service module.

5. The method according to claim 4, further comprising, after obtaining the payment request sent by the user terminal:

performing md5 verification on each parameter field in the payment center cash register information, and performing RSA decryption on the payment center cash register information after the verification is passed;

and reading and displaying a payment mode list supported by the service module in the decrypted payment center cash register information.

6. The method according to claim 1 or 5, further comprising, after receiving a payment request with a payment method sent by a user terminal:

and calling a payment interface initiating payment to store the payment mode of the payment order and the payment state of the payment order in a database, wherein the payment state is to be paid.

7. The method of claim 6, further comprising, after payment by the user through the user terminal:

inquiring a payment result at regular time, and calling back an http interface corresponding to a corresponding field of the payment order by the payment platform of the cooperative mechanism to return a payment record;

changing the payment state of the payment order into payment completion according to the payment record, and updating and storing the payment completion into the database;

and sending the paid mq message to a service module according to the payment parameters constructed by the service module so that the service module changes the order state. Wherein the mq message comprises an order number, a payment amount and a payment time.

8. An internet online collection control system, the system comprising:

the receiving module is used for receiving a payment request with a payment mode sent by a user terminal;

the query module: the realization class is used for inquiring in a realization class list according to the payment request and sending the payment request to the first cooperation institution payment platform;

the payment system comprises a sending module, a payment channel acquisition module and a payment module, wherein the sending module is used for sending a request for acquiring a payment string of a payment channel to a first cooperation mechanism payment platform according to parameter information of a payment order by assembling the parameter information;

the switching module is used for switching the first cooperation mechanism into a second cooperation mechanism payment platform after receiving the abnormal information returned by the first cooperation mechanism docking interface;

and the awakening module is used for awakening a payment channel cashier desk through the payment string calling the payment channel sdk so as to facilitate the user to complete payment when receiving the payment channel payment string returned by the first cooperation mechanism docking interface.

9. A computer-readable storage medium, in which a computer program is stored, which, when loaded and executed by a processor, implements the internet online charging control method according to any one of claims 1 to 7.

10. An electronic device, comprising: a processor, a memory, and a communication interface; wherein the content of the first and second substances,

the memory is used for storing a computer program;

the processor is used for loading and executing the computer program to enable the electronic equipment to execute the Internet online cash register control method according to any one of claims 1 to 7;

the communication interface is used for realizing communication between the access device and other equipment.