CN115049377B - Main scanning payment method, aggregate payment platform, storage medium and computer equipment - Google Patents
Main scanning payment method, aggregate payment platform, storage medium and computer equipment Download PDFInfo
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- G06Q20/08—Payment architectures
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- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
According to the main scanning payment method, the aggregate payment platform, the storage medium and the computer equipment provided by the application, when a user submits order information in the merchant system, the merchant system can send the order information to the aggregate payment platform as a main scanning payment request, and the aggregate payment platform can issue a main scanning payment link supporting any third party payment platform to carry out payment operation to the merchant system, so that the merchant system can convert the main scanning payment link into a corresponding two-dimensional code under the condition that an independent research and development of an aggregate payment function is not needed, and then the user can scan the main scanning payment link by using a user terminal, and access the aggregate payment program running on the third party payment platform through the user terminal, so that the user can directly complete payment operation on a payment page of the aggregate payment program.
Description
Technical Field
The application relates to the technical field of mobile payment, in particular to a main scanning payment method, an aggregate payment platform, a storage medium and computer equipment.
Background
At present, in the daily consumption process, a user often uses a third party payment platform such as a payment bank, weChat payment, beijing east payment, QQ wallet and the like to pay. In order for merchants to meet the diversified payment requirements of users for making payments using various different types of third party payment platforms, various payment channels need to be established on the merchant platform for the users to select.
For example, due to diversification of business scenes, users not only have demands on the existing WeChat applet and public number payment and payment treasured code scanning payment, but also wish to use the payment functions of WeChat and payment treasured APP, when merchants themselves realize the demands through interactive process adjustment, the merchants need to automatically grind the applet and the public number, report and examine and approve WeChat and payment treasured, the whole process is complicated, the realization difficulty is high, and the input cost is high.
Disclosure of Invention
The application aims to at least solve one of the technical defects, and particularly aims to solve the technical defects that the whole process is complicated, the realization difficulty is high and the input cost is high when a merchant realizes the user demand through the adjustment of the interaction process in the prior art.
The application provides a main scanning payment method which is applied to an aggregate payment platform, and comprises the following steps:
receiving a main scanning payment request initiated by a merchant system, wherein the main scanning payment request comprises order information submitted by a user;
issuing a main scanning payment link supporting payment operation of any third party payment platform to the merchant system, wherein the main scanning payment link is used for converting the main scanning payment link into a two-dimensional code by the merchant system, the two-dimensional code is used for a user to scan by using any third party payment platform in a user terminal and accesses an aggregate payment program running on the third party payment platform, and a payment page containing the order information is displayed in the aggregate payment program;
and providing payment operation for the user by utilizing the payment page of the aggregate payment program, and sending a payment result to the merchant system.
Optionally, after receiving the main scanning payment request initiated by the merchant system, the method further includes:
verifying the request authority of the main scanning payment request;
if the verification is not passed, returning error information;
and if the verification is passed, executing the step of issuing a main scanning payment link supporting any third party payment platform to carry out payment operation to the merchant system.
Optionally, the issuing, to the merchant system, a main scan payment link supporting a payment operation performed by any third party payment platform includes:
issuing a payment page path of an aggregate payment program supporting payment operation of any third party payment platform to the merchant system;
the payment page path of the aggregate payment program is used for a user to scan by using any third party payment platform in the user terminal after the merchant system converts the payment page path into the two-dimensional code, and accesses the payment page of the aggregate payment program running on the third party payment platform.
Optionally, before the payment page of the aggregate payment procedure provides the payment operation for the user, the method further includes:
receiving order information acquired by the aggregate payment program and calling a two-dimensional code link of the aggregate payment program;
and checking the order information and the two-dimensional code link, and returning an order state to the aggregate payment program according to a checking result.
Optionally, before receiving the order information acquired by the aggregate payment procedure, the method further includes:
acquiring the identity of the user by using the aggregate payment program, and verifying the identity;
and receiving order information acquired by the aggregate payment program after the identity identification passes the verification.
Optionally, the checking the order information and the two-dimensional code link, and returning an order status to the aggregate payment procedure according to a checking result, includes:
checking the two-dimensional code link, and determining whether the two-dimensional code link is out of date and exists;
if the two-dimensional code link is out of date or the two-dimensional code link is not found, returning error information;
if the two-dimensional code link exists and is not expired, carrying out multidimensional verification on the order information;
if the order information is not verified in one dimension, returning prompt information that the order information is not verified in the dimension to the aggregate payment program;
and if the order information passes verification in all dimensions, returning corresponding order parameters to the aggregate payment program, wherein the order parameters are used for the aggregate payment program to generate a corresponding payment page.
Optionally, the payment page using the aggregate payment procedure provides payment operation for the user, including:
receiving confirmation payment operation clicked by a user by utilizing a payment page of the aggregated payment program, and checking an order state corresponding to the confirmation payment operation and a merchant product opening condition;
when the verification is passed, making an order to a transaction platform according to the determined payment operation, and after the order is successful, receiving transaction parameters returned by the transaction platform;
and sending the transaction parameters to the aggregate payment program so that the aggregate payment program calls a payment tool according to the transaction parameters, wherein the payment tool is used for a user to complete payment operation.
The application also provides an aggregate payment platform, which comprises:
the system comprises a request receiving module, a processing module and a processing module, wherein the request receiving module is used for receiving a main scanning payment request initiated by a merchant system, and the main scanning payment request comprises order information submitted by a user;
the user main scanning module is used for issuing a main scanning payment link supporting any third party payment platform to carry out payment operation to the merchant system, wherein the main scanning payment link is used for converting the merchant system into a two-dimensional code, the two-dimensional code is used for a user to scan by using any third party payment platform in a user terminal and accesses an aggregate payment program running on the third party payment platform, and a payment page containing the order information is displayed in the aggregate payment program;
and the payment module is used for providing payment operation for the user by utilizing the payment page of the aggregate payment program and sending the payment result to the merchant system.
The present application also provides a storage medium comprising: the storage medium has stored therein computer readable instructions that, when executed by one or more processors, cause the one or more processors to perform the steps of the main swipe payment method as in any of the embodiments above.
The present application also provides a computer device comprising: one or more processors, and memory;
the memory has stored therein computer readable instructions which, when executed by the one or more processors, perform the steps of the main swipe payment method as in any of the embodiments above.
From the above technical solutions, the embodiment of the present application has the following advantages:
according to the main scanning payment method, the aggregation payment platform, the storage medium and the computer equipment provided by the application, when a user submits order information in the merchant system, the merchant system can send the order information to the aggregation payment platform as a main scanning payment request, the aggregation payment platform can issue a main scanning payment link supporting any third party payment platform to carry out payment operation to the merchant system, so that the merchant system can convert the main scanning payment link into a corresponding two-dimensional code under the condition that an independent research and development of an aggregation payment function is not needed, the user can scan the main scanning payment link by using a user terminal, and access the aggregation payment program running on the third party payment platform through the user terminal, so that the user can directly complete payment operation on a payment page of the aggregation payment program, and the aggregation payment platform can send the payment result to the merchant system after the user confirms the payment, so that the merchant system knows the transaction result.
Drawings
In order to more clearly illustrate the embodiments of the application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic flow chart of a main scanning payment method according to an embodiment of the present application;
FIG. 2 is a page display diagram of a lower order page in a merchant system according to an embodiment of the application;
FIG. 3 is a page display diagram of a payment page of an aggregate payment procedure provided by an embodiment of the present application;
FIG. 4 is a schematic flow chart of checking order information by the aggregate payment platform according to the embodiment of the present application;
fig. 5 is a schematic structural diagram of an aggregate payment platform according to an embodiment of the present application;
fig. 6 is a schematic diagram of an internal structure of a computer device according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
At present, due to diversification of business scenes, users have demands on the existing WeChat applet, public number payment and payment treasured code scanning payment, and hope to use the payment functions of WeChat, payment treasured APP and the like, when merchants realize the demands through interactive process adjustment, the merchants need to automatically grind the applet, the public number and report, prepare and examine on WeChat and payment treasured, and the whole process is complicated, the realization difficulty is high, and the input cost is high.
Based on the above, the application provides the following technical scheme, and the specific scheme is as follows:
in one embodiment, as shown in fig. 1, fig. 1 is a schematic flow chart of a main-scanning payment method provided in an embodiment of the present application; the application provides a main scanning payment method which is applied to an aggregate payment platform, and the method can comprise the following steps:
s110: and receiving a main payment scanning request initiated by the merchant system.
In this step, the aggregate payment platform may receive a main payment request sent by the merchant system, where the main payment request may include order information submitted by a user, and the aggregate payment platform may perform corresponding operations according to the order information, where specific operations include, but are not limited to, verifying the authenticity of the order information, verifying the timeliness of the generated two-dimensional code link, and so on.
The main sweep payment request in the application refers to a main sweep entering mode of entering a payment page in interface parameters corresponding to the request, and the merchant system in the application refers to a platform for carrying out commodity/service transaction with a user, including but not limited to a catering platform, a recreation and entertainment platform, a knowledge science popularization platform, a shopping platform, a live broadcast platform and the like, without limitation.
Further, before sending the main payment request, the merchant system can display the corresponding order page to the user for the user to confirm the order. Schematically, as shown in fig. 2, fig. 2 is a page display diagram of an order page in a merchant system according to an embodiment of the present application; before sending the main payment request, the merchant system can display a corresponding order placing page to the user, wherein the merchant number, the order amount, the order description, the payment type and the like are set in the order placing page. The merchant number refers to a merchant number allocated to the merchant by the aggregate payment platform, the order amount may be a bigDecimal data type, the units may be set as elements or the like, the order description may be a String (64) data type, such as "fragrance milk tea", etc., and the payment type may include URL Scheme, weChat OpenSDK, etc., which may be set according to actual situations, and is not limited herein.
When the user clicks the confirm order button, the order page can call an interface corresponding to the main scanning payment request to make an order, and after the order is successful, the main scanning payment link issued by the aggregate payment platform is acquired.
S120: and issuing a main-scanning payment link supporting any third-party payment platform to carry out payment operation to the merchant system.
In this step, after the aggregate payment platform receives the main payment request sent by the merchant system, a main payment link supporting the payment operation of any third party payment platform can be issued to the merchant system, where the main payment link can be a payment page path of the aggregate payment program, and other links capable of implementing main payment, and the main payment link can support the payment operation of any third party payment platform.
After the merchant system acquires the main scanning payment link, the main scanning payment link can be converted into a two-dimensional code for a user to scan by using any third party payment platform in the user terminal, and after scanning, an aggregate payment program running on the third party payment platform is accessed, wherein a payment page containing order information is displayed in the aggregate payment program. It is understood that aggregate payoff programs herein refer to applets, public numbers, etc. that run on any third party payoff platform that are developed by the aggregate payoff platform.
Schematically, as shown in fig. 3, fig. 3 is a page display diagram of a payment page of the aggregate payment procedure according to an embodiment of the present application; when the order information in the aggregate payment procedure is verified, a pre-generated payment template page can be called to generate a payment page corresponding to the order information, wherein the payment page is shown in fig. 3 and comprises fields such as an amount to be paid, a merchant name, an order description and the like, so that a user can confirm and pay. The merchant name may be referred to as a merchant short or a merchant full name, and the order description is also referred to as a payment remark, and is mainly taken from an order_desc field in an interface called when the merchant system sends a main payment request, which is not limited herein.
S130: and providing payment operation for the user by using a payment page of the aggregated payment program, and sending a payment result to the merchant system.
In this step, the aggregate payment platform sends the main scan payment link to the merchant system through S120, the merchant system converts the main scan payment link into a corresponding two-dimensional code for the user to scan, the user terminal can jump to the payment page of the aggregate payment program running on the third party payment platform after scanning, the user can perform the payment operation in the payment page, and when the payment is completed, the aggregate payment platform can return the payment result to the merchant system for the merchant system to check.
In the above embodiment, after the user submits the order information in the merchant system, the merchant system may send the order information as a main scanning payment request to the aggregated payment platform, and the aggregated payment platform may issue a main scanning payment link supporting a payment operation of any third party payment platform to the merchant system, so that the merchant system may convert the main scanning payment link into a corresponding two-dimensional code for the user to scan by using the user terminal without independently developing the aggregated payment function, and access the aggregated payment program running on the third party payment platform through the user terminal, so that the user may directly complete the payment operation on a payment page of the aggregated payment program, and the aggregated payment platform may send the payment result to the merchant system after the user confirms the payment, so that the merchant system knows the transaction result.
In one embodiment, after receiving the main scan payment request initiated by the merchant system in S110, the method may further include:
s111: and checking the request authority of the main scanning payment request, if the check is not passed, executing S112, and if the check is passed, executing S120.
S112: an error message is returned.
In this embodiment, after receiving a main scanning payment request initiated by a merchant system, the aggregate payment platform may further check a request authority of the main scanning payment request, if the request authority does not pass the check, return an error message, and if the request authority passes the check, issue a main scanning payment link supporting any third party payment platform to perform payment operation to the merchant system.
Specifically, the aggregate payment platform can check the product opening condition of the merchant system according to the entry_type value when the merchant system calls the interface, if the merchant system opens the corresponding product, the subsequent steps are continuously executed, otherwise, error information such as "the merchant product is abnormal, please contact with the merchant for processing" is returned.
In addition, when the merchant system is verified to be opened for the corresponding product, the merchant order parameters such as the merchant order number, the transaction amount and the like can be put in storage, and the payment state is kept as 'unpaid'.
In one embodiment, issuing a main swipe payment link supporting payment operations by any third party payment platform to the merchant system in S120 may include:
and issuing a payment page path of an aggregate payment program supporting any third party payment platform to the merchant system.
In this embodiment, after receiving the main payment scanning request sent by the merchant system, the aggregate payment platform may issue a payment page path of the aggregate payment program supporting the payment operation performed by any third party payment platform to the merchant system, where the payment page path is used for the merchant system to convert the payment page path into the two-dimensional code, and after the user scans by using any third party payment platform in the user terminal, the user accesses the payment page of the aggregate payment program running on the third party payment platform through the user terminal, so that the payment operation can be performed, thereby greatly facilitating management of the merchant system.
In one embodiment, before providing the payment operation for the user using the payment page of the aggregate payment procedure in S130, the method may further include:
s310: and receiving order information acquired by the aggregate payment program and calling a two-dimensional code link of the aggregate payment program.
S320: and checking the order information and the two-dimensional code link, and returning an order state to the aggregate payment program according to a checking result.
In this embodiment, before the aggregate payment platform provides the payment operation for the user by using the aggregate payment program, the aggregate payment platform may further receive the order information acquired by the aggregate payment program, and call the two-dimensional code link of the aggregate payment program, and verify the order information and the two-dimensional code link, so as to obtain a verification result, and return a corresponding order state to the aggregate payment program according to the verification result.
For example, when the two-dimensional code link fails, the verification of the order information is not continued, when the two-dimensional code link is valid, the verification of the order information is performed, and when the order is in the state of "in-payment/successful payment/failure payment/refund/transaction closing/refund/partial refund/payment confirmation", the corresponding order state is returned, and the user is prompted to "the order is paid or closed, please contact with the merchant processing"; when the order is in 'to pay', corresponding order information can be returned for the user to confirm and pay.
In one embodiment, before receiving the order information acquired by the aggregate payment procedure in S310, the method may further include:
s301: and acquiring the identity of the user by using the aggregate payment program, and verifying the identity.
S302: and receiving order information acquired by the aggregate payment program after the identity identification passes the verification.
In this embodiment, before receiving the order information acquired by the aggregate payment program, the aggregate payment platform may further acquire an identity of the user by using the aggregate payment program, verify the identity, and after the identity verification is passed, receive the order information acquired by the aggregate payment program.
For example, before receiving the order information acquired by the aggregate payment program, the aggregate payment platform may further utilize the aggregate payment program to acquire an openID registered by the user in the third party payment platform, and verify the openID, where the verification is passed, that is, the current user is indicated as a safe user. In addition, if the acquisition of the openID of the user fails, the user is prompted by the aggregate payment program to "acquire user identification failed, please return to retry".
It can be understood that openID is mainly used for identifying a user, and public numbers or applications can store the openID, so that the user can conveniently identify the identity when logging in next time, or bind the openID with the original account number of the user in the third party application.
In one embodiment, as shown in fig. 4, fig. 4 is a schematic flow chart of checking order information by the aggregate payment platform according to the embodiment of the present application; in S320, verifying the order information and the two-dimensional code link, and returning the order status to the aggregate payment procedure according to the verification result may include:
s321: and checking the two-dimensional code link, determining whether the two-dimensional code link is expired or not, if the two-dimensional code link is expired or not, executing S322, and if the two-dimensional code link is not expired, executing S323.
S322: an error message is returned.
S323: and performing multi-dimensional verification on the order information, if the order information is not verified in one of the dimensions, executing S324, and if the order information is verified in all the dimensions, executing S325.
S324: and returning prompt information that order information is not verified in the dimension to the aggregate payment program.
S325: and returning corresponding order parameters to the aggregate payment program.
In this embodiment, as shown in fig. 4, after the aggregate payment platform receives the order information and the two-dimensional code link sent by the aggregate payment program, if the two-dimensional code link has expired or the two-dimensional code link is not found, an error message may be returned; if the two-dimension code is not expired, multi-dimension verification can be performed on the order information, if the order information is not verified in one dimension, prompt information that the order information is not verified in the dimension is returned to the aggregate payment program, and if the order information is verified in all dimensions, corresponding order parameters are returned to the aggregate payment program.
Specifically, when the aggregate payment program invokes the payment service interface of the aggregate payment platform to acquire order information, the order information needs to be uploaded and a two-dimensional code link when the aggregate payment program is evoked is required to be checked and processed by the aggregate payment platform. If the aggregate payment platform does not find the two-dimensional code link or the two-dimensional code link is expired, the user can be prompted to 'pay that the order is not present or is expired, please contact with the merchant for processing'; if the two-dimensional code is not expired but the order information cannot be found, the user can be prompted to pay that the order is not existed or is expired, and the merchant is contacted for processing; if the order information is in the state of "payment/payment success/payment failure/refund/transaction closing/refund/partial refund/payment confirmation", the user can be prompted to "order paid or closed, please contact with merchant processing"; if the corresponding product is not opened by the ordering merchant corresponding to the order information, the user can be prompted to 'the merchant product is abnormal, please contact with the merchant for processing'; if the order state is checked, the aggregate payment platform can return order parameters such as order number, merchant short, order description, order amount and the like to the aggregate payment program to be assembled into a payment page for the user to confirm payment.
In one embodiment, providing the payment operation for the user using the payment page of the aggregate payment procedure in S130 may include:
s131: and receiving confirmation payment operation clicked by the user by utilizing the payment page of the aggregated payment program, and checking the order state corresponding to the confirmation payment operation and the opening condition of the merchant product.
S132: and after verification is passed, making an order to the transaction platform according to the determined payment operation, and after the order is successfully made, receiving transaction parameters returned by the transaction platform.
S133: and sending the transaction parameters to the aggregate payment program so that the aggregate payment program calls a payment tool according to the transaction parameters, wherein the payment tool is used for a user to complete payment operation.
In this embodiment, the aggregate payment platform may receive a payment confirmation operation clicked by a user by using a payment page of the aggregate payment program, and verify an order status and a merchant product opening condition corresponding to the determined payment operation, and after the verification is passed, make an order to the transaction platform, and after the order is successful, receive a transaction parameter returned by the transaction platform, where the aggregate payment platform may send the transaction parameter to the aggregate payment program, so that the aggregate payment program calls a corresponding payment tool according to the transaction parameter for the user to complete the payment operation.
For example, when the user clicks the "confirm payment" button in the aggregate payment procedure, the aggregate payment procedure invokes the interface to send order information such as "user openID, order number, merchant number" to order the aggregate payment platform; before the aggregated payment platform calls an order placing interface corresponding to the third party payment platform in the transaction channel to place an order, the aggregated payment platform needs to check the order state and the opening condition of the merchant product, and the user can be prompted to pay or close the order and contact the merchant by placing the order to the transaction channel if the order is in the state of payment, payment success, payment failure, refund, transaction closing, refund, partial refund and payment confirmation, and the user can be prompted to contact the merchant if the order is not opened with the related product.
After verification, the aggregate payment platform can search transaction necessary information such as order amount and the like according to order numbers and merchant numbers, search transaction channels according to actually configured channel routes, call a third party payment-unified ordering interface according to channel interface specifications to order, and in the process, the aggregate payment platform can update the order state into payment.
After successful ordering, the aggregate payment platform can return transaction parameters such as transaction certificates and the like returned by the transaction channel to the aggregate payment program; the aggregate payment platform can update the order status to be "payment failure" when the following order fails, and return error codes and error prompts to the aggregate payment program after recording the reason of the payment failure, and the aggregate payment program can prompt the user of "payment failure" according to the error codes and error prompts: … … please contact the merchant process.
After the aggregate payment program receives the transaction parameters, the transaction parameters such as transaction certificates and the like can be used for arousing a password keyboard or face recognition and the like of a third party payment platform so as to allow a user to finish payment; if the user cancels the payment, the user can be prompted to "you cancel the payment, please return to the mall to initiate the payment again", and call the aggregate paymate interface to close the order.
In addition, the aggregated payment platform updates the order state after receiving the asynchronous notification result returned by the transaction channel, and asynchronously notifies the order state to the merchant system.
The aggregate payment platform provided by the embodiment of the application is described below, and the aggregate payment platform described below and the main scanning payment method described above can be referred to correspondingly.
In one embodiment, as shown in fig. 5, fig. 5 is a schematic structural diagram of an aggregate payment platform according to an embodiment of the present application; the application also provides an aggregate payment platform, which comprises a request receiving module 210, a user main scanning module 220 and a payment module 230, and specifically comprises the following steps:
the request receiving module 210 is configured to receive a main-scan payment request initiated by the merchant system, where the main-scan payment request includes order information submitted by a user.
The user main scanning module 220 is configured to issue a main scanning payment link supporting payment operations performed by any third party payment platform to the merchant system, where the main scanning payment link is configured to enable the merchant system to convert the main scanning payment link into a two-dimensional code, where the two-dimensional code is configured to enable a user to scan using any third party payment platform in a user terminal, and access an aggregate payment program running on the third party payment platform, where a payment page containing the order information is displayed in the aggregate payment program.
And the payment module 230 is configured to provide a payment operation for the user by using the payment page of the aggregate payment procedure, and send a payment result to the merchant system.
In the above embodiment, after the user submits the order information in the merchant system, the merchant system may send the order information as a main scanning payment request to the aggregated payment platform, and the aggregated payment platform may issue a main scanning payment link supporting a payment operation of any third party payment platform to the merchant system, so that the merchant system may convert the main scanning payment link into a corresponding two-dimensional code for the user to scan by using the user terminal without independently developing the aggregated payment function, and access the aggregated payment program running on the third party payment platform through the user terminal, so that the user may directly complete the payment operation on a payment page of the aggregated payment program, and the aggregated payment platform may send the payment result to the merchant system after the user confirms the payment, so that the merchant system knows the transaction result.
In one embodiment, the present application also provides a storage medium comprising: the storage medium has stored therein computer readable instructions that, when executed by one or more processors, cause the one or more processors to perform the steps of the main swipe payment method as in any of the embodiments above.
In one embodiment, the present application also provides a computer device comprising: one or more processors, and memory.
The memory has stored therein computer readable instructions which, when executed by the one or more processors, perform the steps of the main swipe payment method as in any of the embodiments above.
Schematically, as shown in fig. 6, fig. 6 is a schematic internal structure of a computer device according to an embodiment of the present application, and the computer device 300 may be provided as a server. Referring to FIG. 6, computer device 300 includes a processing component 302 that further includes one or more processors, and memory resources represented by memory 301, for storing instructions, such as applications, executable by processing component 302. The application program stored in the memory 301 may include one or more modules each corresponding to a set of instructions. Further, the processing component 302 is configured to execute instructions to perform the main swipe payment method of any of the embodiments described above.
The computer device 300 may also include a power supply component 303 configured to perform power management of the computer device 300, a wired or wireless network interface 304 configured to connect the computer device 300 to a network, and an input output (I/O) interface 305. The computer device 300 may operate based on an operating system stored in memory 301, such as Windows Server TM, mac OS XTM, unix TM, linux TM, free BSDTM, or the like.
It will be appreciated by those skilled in the art that the structure shown in FIG. 6 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.
Finally, it is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, 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 one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
In the present specification, each embodiment is described in a progressive manner, and each embodiment focuses on the difference from other embodiments, and may be combined according to needs, and the same similar parts may be referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (9)
1. A main scanning payment method applied to an aggregate payment platform, the method comprising:
receiving a main scanning payment request initiated by a merchant system, wherein the main scanning payment request comprises order information submitted by a user;
issuing a main scanning payment link supporting payment operation of any third party payment platform to the merchant system, wherein the main scanning payment link is used for converting the main scanning payment link into a two-dimensional code by the merchant system, the two-dimensional code is used for a user to scan by using any third party payment platform in a user terminal and accesses an aggregate payment program running on the third party payment platform, and a payment page containing the order information is displayed in the aggregate payment program; the aggregate payment program refers to a program which runs in any third party payment platform and is developed by the aggregate payment platform;
providing payment operation for a user by utilizing a payment page of the aggregate payment program, and sending a payment result to the merchant system;
the payment page using the aggregate payment procedure provides payment operation for the user, and the payment page comprises the following steps:
receiving a determined payment operation clicked by a user by utilizing a payment page of the aggregated payment program, and checking an order state corresponding to the determined payment operation and a merchant product opening condition;
when the verification is passed, making an order to a transaction platform according to the determined payment operation, and after the order is successful, receiving transaction parameters returned by the transaction platform;
and sending the transaction parameters to the aggregate payment program so that the aggregate payment program calls a payment tool according to the transaction parameters, wherein the payment tool is used for a user to complete payment operation.
2. The method of claim 1, wherein after receiving the main swipe payment request initiated by the merchant system, further comprising:
verifying the request authority of the main scanning payment request;
if the verification is not passed, returning error information;
and if the verification is passed, executing the step of issuing a main scanning payment link supporting any third party payment platform to carry out payment operation to the merchant system.
3. The method of claim 1, wherein issuing a main swipe payment link to the merchant system that supports payment operations by any third party paymate comprises:
issuing a payment page path of an aggregate payment program supporting payment operation of any third party payment platform to the merchant system;
the payment page path of the aggregate payment program is used for a user to scan by using any third party payment platform in the user terminal after the merchant system converts the payment page path into the two-dimensional code, and accesses the payment page of the aggregate payment program running on the third party payment platform.
4. The method of claim 1, wherein prior to providing payment operations to the user using the payment page of the aggregated payment program, further comprising:
receiving order information acquired by the aggregate payment program and calling a two-dimensional code link of the aggregate payment program;
and checking the order information and the two-dimensional code link, and returning an order state to the aggregate payment program according to a checking result.
5. The method of claim 4, wherein prior to receiving the order information acquired by the aggregate payment procedure, further comprising:
acquiring the identity of the user by using the aggregate payment program, and verifying the identity;
and receiving order information acquired by the aggregate payment program after the identity identification passes the verification.
6. The method of claim 4, wherein verifying the order information and the two-dimensional code link and returning an order status to the aggregate payment program based on a verification result comprises:
checking the two-dimensional code link, and determining whether the two-dimensional code link is out of date and exists;
if the two-dimensional code link is out of date or the two-dimensional code link is not found, returning error information;
if the two-dimensional code link exists and is not expired, carrying out multidimensional verification on the order information;
if the order information is not verified in one dimension, returning prompt information that the order information is not verified in the dimension to the aggregate payment program;
and if the order information passes verification in all dimensions, returning corresponding order parameters to the aggregate payment program, wherein the order parameters are used for the aggregate payment program to generate a corresponding payment page.
7. An aggregate paymate, comprising:
the system comprises a request receiving module, a processing module and a processing module, wherein the request receiving module is used for receiving a main scanning payment request initiated by a merchant system, and the main scanning payment request comprises order information submitted by a user;
the user main scanning module is used for issuing a main scanning payment link supporting any third party payment platform to carry out payment operation to the merchant system, wherein the main scanning payment link is used for converting the merchant system into a two-dimensional code, the two-dimensional code is used for a user to scan by using any third party payment platform in a user terminal and accesses an aggregate payment program running on the third party payment platform, and a payment page containing the order information is displayed in the aggregate payment program; the aggregate payment program refers to a program which runs in any third party payment platform and is developed by the aggregate payment platform;
the payment module is used for providing payment operation for the user by utilizing the payment page of the aggregate payment program and sending a payment result to the merchant system;
the payment module comprises:
receiving a determined payment operation clicked by a user by utilizing a payment page of the aggregated payment program, and checking an order state corresponding to the determined payment operation and a merchant product opening condition;
when the verification is passed, making an order to a transaction platform according to the determined payment operation, and after the order is successful, receiving transaction parameters returned by the transaction platform;
and sending the transaction parameters to the aggregate payment program so that the aggregate payment program calls a payment tool according to the transaction parameters, wherein the payment tool is used for a user to complete payment operation.
8. A storage medium, comprising: the storage medium having stored therein computer readable instructions which, when executed by one or more processors, cause the one or more processors to perform the steps of the main swipe payment method of any of claims 1 to 6.
9. A computer device, comprising: one or more processors, and memory;
stored in the memory are computer readable instructions which, when executed by the one or more processors, perform the steps of the main swipe payment method of any of claims 1 to 6.
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| CN112116438A (en) * | 2020-07-31 | 2020-12-22 | 福建亿能达信息技术股份有限公司 | Multi-channel payment integration method, platform, equipment and medium |
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| CN107833040A (en) * | 2017-07-28 | 2018-03-23 | 平安科技（深圳）有限公司 | Method of payment, device, storage medium and terminal |
| CN111160884A (en) * | 2019-11-29 | 2020-05-15 | 中国建设银行股份有限公司四川省分行 | Aggregated payment method, system, server and storage medium |
| CN112116438A (en) * | 2020-07-31 | 2020-12-22 | 福建亿能达信息技术股份有限公司 | Multi-channel payment integration method, platform, equipment and medium |
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