CN115170117B - 5G message payment method, system, device and computer readable storage medium - Google Patents
5G message payment method, system, device and computer readable storage medium Download PDFInfo
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- CN115170117B CN115170117B CN202210498409.5A CN202210498409A CN115170117B CN 115170117 B CN115170117 B CN 115170117B CN 202210498409 A CN202210498409 A CN 202210498409A CN 115170117 B CN115170117 B CN 115170117B
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- 238000000034 method Methods 0.000 title claims abstract description 60
- 238000012795 verification Methods 0.000 claims description 30
- 230000001413 cellular effect Effects 0.000 claims description 9
- 230000006870 function Effects 0.000 claims description 8
- 238000004590 computer program Methods 0.000 claims description 7
- 230000004044 response Effects 0.000 claims description 6
- 238000004806 packaging method and process Methods 0.000 claims description 3
- 230000004048 modification Effects 0.000 claims 6
- 238000012986 modification Methods 0.000 claims 6
- 230000008569 process Effects 0.000 description 11
- 238000010586 diagram Methods 0.000 description 6
- 230000003993 interaction Effects 0.000 description 5
- 230000002452 interceptive effect Effects 0.000 description 4
- 230000002776 aggregation Effects 0.000 description 3
- 238000004220 aggregation Methods 0.000 description 3
- 230000000694 effects Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/30—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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
Abstract
The application discloses a 5G message payment method, a system, a device and a computer readable storage medium, wherein the method comprises the following steps: based on the access request of the terminal user to the payment link contained in the 5G message, acquiring the mobile phone number of the terminal user, the merchant identification of the target merchant and the payment information corresponding to the commodity identification, wherein the payment link carries the payment information of the merchant identification of the target merchant and the commodity identification; establishing an association relation between the mobile phone number and payment information, and sending a payment mode selection page to a terminal user; based on the operation of the terminal user on the payment mode selection page, a payment request carrying payment information and a mobile phone number is sent to a target third party payment platform, so that the target third party payment platform creates a third party payment page based on a merchant identifier and a commodity identifier and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment; and sending a payment result notification to the terminal user based on the payment result corresponding to the payment request.
Description
Technical Field
The present disclosure relates to the field of communications technologies, and in particular, to a 5G message payment method, a system, an apparatus, and a computer readable storage medium.
Background
The 5G message is the upgrade of the traditional short message, and the traditional notification type short message is converted into the service type message, so that the short message has interactivity and service. Merchants realize connection and closed loop of services with users through 5G messages, and in the process of providing services, a lot of scenes need payment intervention, so that the users can directly purchase goods and services in 5G message channels. However, current 5G messages do not have a unified paymate to provide payment technology and services to merchants.
Disclosure of Invention
An objective of the embodiments of the present application is to provide a 5G message payment method, system, device, and computer readable storage medium, which are used for solving the problems of the existing 5G message payment.
In order to solve the technical problems, the present specification is implemented as follows:
in a first aspect, a 5G message payment method is provided, applied to a payment platform, the method including:
based on an access request of a terminal user to a payment link contained in a 5G message, acquiring a mobile phone number of the terminal user, a merchant identifier of a target merchant and payment information corresponding to a commodity identifier, wherein the payment link carries the merchant identifier of the target merchant and the payment information of the commodity identifier;
Establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user;
based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third party payment platform, so that the target third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
and sending a payment result notification to the terminal user based on the payment result corresponding to the payment request.
Optionally, before the end user accesses the payment link contained in the 5G message, the method further comprises:
receiving a commodity creation request sent by a merchant registered in the payment platform, wherein the commodity creation request carries a merchant identifier and a commodity identifier;
and generating a payment link according to the merchant identification and the commodity identification and storing the payment link in a target database, wherein the target merchant responds to the commodity order request sent by the terminal user, acquires the payment link corresponding to the commodity order request from the target database, and encapsulates the payment link into the 5G message to be sent to the terminal user.
Optionally, generating the payment link according to the merchant identifier and the commodity identifier includes:
encrypting the merchant identifier and the commodity identifier respectively;
and performing parameter splicing on the encrypted merchant identifier and the encrypted commodity identifier to generate the payment link.
Optionally, based on the access request of the terminal user to the payment link contained in the 5G message, acquiring the mobile phone number of the terminal user includes:
analyzing the parameters of the payment link, and judging whether the payment link carries the mobile phone number of the terminal user or not;
if yes, acquiring the mobile phone number from the payment link, wherein the mobile phone number is packaged into the payment link contained in the 5G message before the 5G message is sent to the terminal user by a CSP platform of a 5G message service provider;
if not, the mobile phone number is obtained through the target authentication server.
Optionally, the obtaining the mobile phone number through the target authentication server includes:
determining the network connection type of the terminal user;
under the condition that the network connection type is cellular network connection, calling automatic number-fetching capability to acquire the mobile phone number of the terminal user;
and after the mobile phone number passes through the authentication of the first target authentication server, acquiring the mobile phone number.
Optionally, the obtaining the mobile phone number through the target authentication server includes:
determining the network connection type of the terminal user;
receiving a mobile phone number input by the terminal user through a short message verification code function under the condition that the network connection type is non-cellular network connection;
and after the mobile phone number passes through the authentication of the second target authentication server, acquiring the mobile phone number.
In a second aspect, a 5G message payment method is provided, applied to a CSP platform, the method including:
intercepting a 5G message which is sent by a target merchant in response to a commodity order request of a terminal user and contains a first payment link, wherein the first payment link carries the merchant identification of the target merchant and payment information of the commodity identification, and the target merchant is registered in the CSP platform;
acquiring a mobile phone number and a CSP platform identifier of the terminal user according to the commodity ordering request;
and performing parameter splicing on the first payment link and the mobile phone number and CSP platform identifier, generating a second payment link, packaging the second payment link into the 5G message, and sending the second payment link to the terminal user.
In a third aspect, a 5G message payment system is provided, comprising an end user, a CSP platform, a merchant, a payment platform, and a third party payment platform,
The terminal user sends a commodity ordering request to a target merchant, and the target merchant registers in the CSP platform and the payment platform respectively;
the target merchant responds to the commodity order request, acquires a payment link corresponding to the commodity order request from the payment platform, encapsulates the payment link into a 5G message and sends the 5G message to the terminal user, wherein the payment link carries the merchant identifier of the target merchant and payment information of the commodity identifier;
the CSP platform intercepts the 5G message, encapsulates the mobile phone number of the terminal user into a payment link contained in the 5G message and then sends the payment link to the terminal user;
the payment platform acquires payment information corresponding to the mobile phone number of the terminal user, the merchant identification of the target merchant and the commodity identification based on the access request of the terminal user to the payment link contained in the 5G message; establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to the third party payment platform;
The third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
and the payment platform sends a payment result notification to the terminal user based on the payment result corresponding to the payment request.
In a fourth aspect, there is provided a 5G message payment device comprising a memory and a processor electrically connected to the memory, the memory storing a computer program executable by the processor to perform the steps of the method according to the first or second aspect when executed by the processor.
In a fifth aspect, there is provided a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the method according to the first or second aspect.
In the embodiment of the application, the payment platform acquires the mobile phone number of the terminal user, the merchant identifier of the target merchant and the payment information corresponding to the commodity identifier through the access request of the terminal user to the payment link contained in the 5G message, wherein the payment link carries the merchant identifier of the target merchant and the payment information of the commodity identifier; establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third party payment platform, so that the target third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment; based on the payment result corresponding to the payment request, a payment result notification is sent to the terminal user, so that 5G message payment and service can be provided for merchants through a unified payment platform, the universality and compatibility of the 5G message payment are improved, the cost of the 5G message payment is reduced, and the payment efficiency is improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute an undue limitation to the application. In the drawings:
fig. 1 is a flow chart of a 5G message payment method according to a first embodiment of the present application.
Fig. 2 is an interactive flow diagram of a 5G message payment method according to one embodiment of the present application.
Fig. 3 is an interactive flow diagram of a 5G message payment method according to another embodiment of the present application.
Fig. 4 is a flow chart of a 5G message payment method according to a second embodiment of the present application.
Fig. 5 is a block diagram of the structure of a 5G message payment system according to an embodiment of the present application.
Fig. 6 is a block diagram of the structure of a 5G message payment apparatus 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 fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all, of the embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application. The reference numerals in the present application are only used to distinguish the steps in the scheme, and are not used to limit the execution sequence of the steps, and the specific execution sequence controls the description in the specification.
In order to solve the problems in the prior art, an embodiment of the present application provides a 5G message payment method, and fig. 1 is a schematic flow chart of the 5G message payment method in the first embodiment of the present application. In this embodiment, the 5G message payment method is applied to a paymate.
As shown in fig. 1, the method comprises the following steps:
102, acquiring payment information corresponding to a mobile phone number of a terminal user, a merchant identifier of a target merchant and a commodity identifier based on an access request of the terminal user to a payment link contained in a 5G message, wherein the payment link carries the payment information of the merchant identifier of the target merchant and the commodity identifier;
104, establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user;
step 106, based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third party payment platform, so that the target third party payment platform creates a third party payment page based on the merchant identifier and the commodity identifier and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
And step 108, sending a payment result notice to the terminal user based on the payment result corresponding to the payment request.
In step 102, the payment link is retrieved from the paymate for the target merchant and packaged into a 5G message for transmission. The target merchant is a registered user of the payment platform, that is, the registration can use a 5G message mode to realize the payment function with the terminal user.
Optionally, before the end user accesses the payment link contained in the 5G message, the method further comprises:
receiving a commodity creation request sent by a merchant registered in the payment platform, wherein the commodity creation request carries a merchant identifier and a commodity identifier; and generating a payment link according to the merchant identification and the commodity identification and storing the payment link in a target database, wherein the target merchant responds to the commodity order request sent by the terminal user, acquires the payment link corresponding to the commodity order request from the target database, and encapsulates the payment link into the 5G message to be sent to the terminal user.
After registering on the payment platform, the merchant creates a commodity which can be paid by using the 5G message payment mode on the payment platform, wherein the merchant identifier is a unique identifier of the registered merchant on the payment platform, and the commodity identifier is a unique identifier of the corresponding created commodity on the payment platform.
And the payment platform generates a corresponding payment link containing the merchant identifier and the commodity identifier for each commodity according to the merchant identifier and the commodity identifier created by each merchant, and stores the payment link into a target database of the payment platform. When the merchant receives the order request of the target commodity of the end user, the merchant requests to acquire the payment link corresponding to the target commodity from the payment platform. And the payment platform searches the corresponding payment link from the target database according to the merchant identification and commodity identification requested by the merchant and sends the corresponding payment link to the corresponding merchant. Thus, the merchant may encapsulate the payment link into a 5G message and then send the 5G message to the end user corresponding to the merchandise order request.
Optionally, generating the payment link according to the merchant identifier and the commodity identifier includes: encrypting the merchant identifier and the commodity identifier respectively; and performing parameter splicing on the encrypted merchant identifier and the encrypted commodity identifier to generate the payment link.
Specifically, an example of a paymate generation payment link encapsulation process may be described as follows:
and acquiring a unified domain name { server } of the payment platform, and acquiring a merchant identifier { accountId } and a unique commodity identifier { ProductId }.
The merchant identification is encrypted by an AES256 symmetric algorithm, generating AES256 ({ accountId }).
The product identifier is encrypted by an AES256 symmetric algorithm to generate AES256 ({ product id }).
And carrying out path splicing on the unified domain name of the payment platform, the encrypted merchant number and the encrypted commodity identifier to generate a payment link https:// { server }/AES256 ({ accountId })/AES 256 ({ product Id }).
In this way, a 5G message based payment link may be obtained. The unified domain name of the payment platform is used for identifying that the corresponding payment link is a payment link based on the 5G message, and can be used for checking when interacting with other platforms in the subsequent 5G message payment process.
Based on the solution provided in the foregoing embodiment, optionally, in step 102, based on the access request of the terminal user to the payment link included in the 5G message, obtaining the mobile phone number of the terminal user includes: analyzing the parameters of the payment link, and judging whether the payment link carries the mobile phone number of the terminal user or not; if yes, acquiring the mobile phone number from the payment link, wherein the mobile phone number is packaged into the payment link contained in the 5G message before the 5G message is sent to the terminal user by a CSP platform of a 5G message service provider; if not, the mobile phone number is obtained through the target authentication server.
The payment of the 5G message is based on the mobile phone number of the end user, and in this step, it is necessary to determine whether the payment link included in the 5G message carries the mobile phone number of the end user. If yes, directly extracting from the payment link; otherwise, it needs to be obtained by other means.
The end user accesses the payment link by clicking on the payment control in the received 5G message, and enters the H5 page of the paymate, i.e., the 5 th generation internet hypertext markup language (Html) page. The front-end page interface of the payment platform analyzes the payment link and acquires the path and parameters of the payment link, so that whether the payment link carries a CSP platform unique identifier { cspCode } and a mobile phone number { proof } of the terminal user is judged. If yes, directly acquiring the mobile phone number of the terminal user.
The mobile phone number in the payment link is modified by the 5G message service provider (Chatbot Service Provider, CSP) from the payment link acquired by the merchant from the payment platform and added to the payment link sent by the merchant to the end user. The CSP platform is accessed to the 5G message payment capability of the payment platform, so that the payment link in the 5G message is transformed.
The CSP platform can reform the payment link of the merchant registered with the CSP platform, i.e., for a payment link sent to the end user by the merchant registered with both the payment platform and the CSP platform, the CSP platform can add the end user's cell phone number to the payment link.
Specifically, the CSP platform intercepts a 5G message including a payment link sent by a target merchant in response to an end user's merchandise order request. In addition, since the target merchant registers in the CSP platform, all commodity ordering related operation CSP platforms of the target merchant can be acquired. Therefore, the CSP platform can acquire the mobile phone number of the terminal user corresponding to the commodity order request so as to reform the payment link in the intercepted 5G message, namely, the mobile phone number of the terminal user correspondingly acquired is packaged into the payment link.
Specifically, an example of a CSP platform generating a payment link package process may be described as follows:
the CSP platform obtains the payment link encapsulated in the 5G message, namely the payment link https:// { server }/AES256 ({ accountId })/AES 256 ({ product Id }) obtained from the payment platform by the merchant, and obtains the CSP platform unique identifier { cspCode } and the mobile phone number { proof }, of the end user.
The CSP platform encrypts the CSP platform unique identifier by an RSA1024 asymmetric algorithm to generate RSA1024 ({ cspCode }).
The CSP platform encrypts the mobile phone number of the terminal user by an RSA1024 asymmetric algorithm to generate RSA1024 ({ proof }).
The CSP platform performs parameter splicing on the payment link and the CSP platform unique identification and the encrypted mobile phone number of the end user to generate a modified payment link https:///{ server }/AES256 ({ accountId })/AES 256 ({ product Id })? cspode=rsa 1024 ({ cspode }) & proof=rsa 1024 ({ proof }).
In this way, a 5G message based payment link carrying the mobile phone number of the end user can be obtained. The CSP platform unique identifier is used for identifying that the corresponding payment link is a payment link based on the 5G message after the CSP platform is modified, and can be used for checking when interacting with other platforms in the subsequent 5G message payment process.
And the CSP platform sends the modified payment link to the corresponding end user.
Thus, in step 102, the paymate may obtain the required phone number from the resolved payment link with the end user phone number and CSP platform identification to perform subsequent 5G message payments.
As described above, if the payment link does not carry the mobile phone number of the end user, the mobile phone number is obtained through verification by the corresponding authentication server. At this time, it is first necessary to determine the network connection type of the terminal device of the end user, that is, the network access mode of the end user, including cellular network connection and non-cellular network. The manner in which the cell phone number is obtained is also different for different network connection types.
In one embodiment, optionally, obtaining, by the target authentication server, the mobile phone number includes: determining the network connection type of the terminal user; under the condition that the network connection type is cellular network connection, calling automatic number-fetching capability to acquire the mobile phone number of the terminal user; and after the mobile phone number passes through the authentication of the first target authentication server, acquiring the mobile phone number.
In another embodiment, optionally, obtaining, by the target authentication server, the mobile phone number includes: determining the network connection type of the terminal user; receiving a mobile phone number input by the terminal user through a short message verification code function under the condition that the network connection type is non-cellular network connection; and after the mobile phone number passes through the authentication of the second target authentication server, acquiring the mobile phone number.
The determination of the network connection type of the end user may be performed by a front end page interface of the paymate. The front-end page interface calls browser network application program interface (Web API) corresponding to the H5 page of the payment link, and current network connection information of the terminal user is obtained through a network information object returned by the interface.
The front-end page interface can obtain the maximum download speed of the network connection, and when the value of the maximum download speed is less than 1 (Mbps), the user is prompted to 'the current network is unstable, please switch the network to retry'.
By acquiring the parameter networkinformation.type from the network connection information, the connection type with which the end user is communicating with the network can be determined. When the value of the parameter network information is cell, acquiring the mobile phone number of the terminal user from the service gateway by calling the automatic number acquisition capability, and checking the mobile phone number of the automatic number acquisition through the authentication server; when the value of the parameter networkinformation.type is a wireless network such as WIFI and Bluetooth, the mobile phone number input by the terminal user is obtained through the short message verification code function, and the mobile phone number input by the terminal user is checked through the authentication server.
In one embodiment, the mobile phone number of the terminal user is obtained by calling the automatic number-fetching capability and combining the verification of the authentication server, which is specifically described as follows:
the front page interface of the payment platform calls an automatic number-taking corresponding to a mobile phone number acquired by an automatic number-taking function under a cellular network; and sending the information such as the pre-signature, the merchant identification, the commodity identification and the like to a payment platform, and sending a mobile phone number authentication request to a corresponding authentication server of the service gateway by the payment platform.
The authentication server returns the certificate to the payment platform according to the pre-signature, the payment platform carries the certificate, and the mobile phone number is exchanged for the authentication server; the authentication server returns the encrypted mobile phone number information to the payment platform after successful verification through the certificate, and the payment platform decrypts the mobile phone number of the current terminal user to confirm the identity of the terminal user.
In one embodiment, the mobile phone number of the terminal user is obtained through the short message verification code function in combination with verification of the authentication server, and the specific description is as follows:
the front page interface of the payment platform jumps to a short message verification code interface to prompt a terminal user to input a mobile phone number; after the terminal user inputs the mobile phone number, the front-end page interface carries the mobile phone number to request the payment platform to issue the verification code.
The payment platform carries the mobile phone number and requests to issue a verification code to an authentication server, and the authentication server issues the verification code to terminal equipment of a terminal user needing a short message verification code. The terminal user inputs the verification code and requests verification from the payment platform; the payment platform carries a verification code and requests verification from the authentication server; and if the verification is successful, the authentication server returns verification success information to the payment platform. The payment platform acquires the mobile phone number of the current terminal user and confirms the identity of the terminal user.
Three different embodiments for obtaining the mobile phone number of the terminal user are described above, and in step 104, the payment platform establishes the association relationship between the mobile phone number and the payment information through the mobile phone number, the merchant identifier, the commodity identifier, the CSP platform identifier, and the like of the terminal device, creates a payment order, updates the H5 page, and returns a new H5 link address to the terminal user. The updated H5 page is a page for the end user to select a payment method. The payment information includes, in addition to the merchant identifier and the commodity identifier, other payment related information such as the amount of the corresponding commodity, and the like, which is not described herein.
In step 106, after the user terminal enters the new H5 page to select a payment mode, the front end page interface sends a request carrying payment information and a mobile phone number of the terminal user to the payment platform. The payment platform performs payment information verification, and judges whether parameters such as merchant identification and commodity identification analyzed by the front-end page interface from the H5 page exist in a database of the payment platform or not and whether the parameters are accurate or not. If the verification is successful, the third party payment platform corresponding to the payment mode selected by the terminal user sends a payment request carrying payment information and the mobile phone number so as to request the third party payment platform to execute order payment corresponding to the mobile phone number.
And the third party payment platform creates a third party payment page according to payment information comprising merchant identification, commodity identification, amount and the like and returns to the terminal user corresponding to the mobile phone number by a payment unified resource positioning system (UniformResourceLocator, URL). And after the third party payment page is jumped, the terminal user performs corresponding operation to finish payment. And the third party payment platform returns a payment result to the payment platform.
In step 108, the payment platform updates the order payment status according to the payment result returned by the third party payment platform, and returns an order payment result notification to the end user.
The following describes the interaction flow of the 5G message payment method according to the embodiment of the present application with reference to fig. 2 and 3, respectively. Fig. 2 shows the interactive steps of the 5G message payment method according to the embodiment of obtaining the mobile phone number of the user terminal through the CSP platform, and fig. 3 shows the interactive steps of the 5G message payment method according to the embodiment of obtaining the mobile phone number of the user terminal through verification of the authentication server in different manners.
As shown in fig. 2, the 5G message payment interaction of this embodiment is performed between the end user, the CSP platform, the merchant, the payment platform, and the third party payment platform, specifically including the following steps:
Step 1, a merchant issues a 5G message of an associated payment link, namely a payment URL, to a terminal user, wherein the mobile phone number of the terminal user is encapsulated and transformed into the 5G message through a CSP platform;
step 2, the terminal user clicks a payment button, accesses a payment URL, and informs a payment platform of the URL;
step 3, the payment platform creates a payment order number and updates an H5 page;
step 4, returning the H5 link by the payment platform;
step 5, the terminal user enters an H5 page, and selects a payment mode;
step 6, the terminal user sends a payment request carrying payment information to the payment platform;
step 7, the payment platform verifies the payment information;
step 8, the payment platform sends a payment request carrying payment information to a third party payment platform;
step 9, the third party payment platform returns a payment URL to the payment platform;
step 10, the payment platform returns a payment URL to the terminal user;
step 11, the terminal user jumps to a third party payment page to finish payment;
step 12, the third party payment platform sends a payment result notice to the payment platform;
step 13, the payment platform updates the order payment state;
and 14, the payment platform returns an order payment result notice to the terminal user through the H5 page.
As shown in fig. 3, the 5G message payment interaction of this embodiment is performed between the end user, the paymate and the authentication server, and the steps of interaction between the end user, the paymate and the third party paymate may refer to steps 6 to 14 of fig. 2, which are omitted here.
The method for authenticating the mobile phone number with the automatic number taking function by combining the authentication server specifically comprises the following steps:
step 21, the end user opens a payment link;
step 22, the front end page interface calls the automatic number-fetching capability and judges the connection network environment of the terminal equipment of the terminal user;
step 23, judging that the 4G network is successful in automatic number acquisition;
step 24, the front end page interface requests the authentication server to carry out number authentication on the automatically acquired mobile phone number;
step 25, the authentication server returns the certificate to the payment platform;
step 26, the payment platform carries the certificate to acquire the number from the authentication server;
step 27, the authentication server returns the encryption number information through the certificate;
and 28, decrypting the acquired mobile phone number by the payment platform to confirm the identity of the terminal user.
The method for authenticating the mobile phone number input by the short message verification code terminal user by combining the authentication server specifically comprises the following steps:
Step 31, the front-end page interface calls the automatic number-fetching failure, or judges the wireless network environment such as WiFi;
step 32, the front page interface jumps to a short message verification code interface and receives the mobile phone number input by the terminal user;
step 33, the front-end page interface carries a mobile phone number to request verification from the payment platform;
step 37, the payment platform carries a verification code to request verification from the authentication server;
step 38, the authentication server returns verification success information;
and 39, the payment platform acquires the mobile phone number input by the short message verification and confirms the identity of the terminal user.
After the mobile phone number of the end user is obtained by both embodiments shown in fig. 3, the payment step is entered.
Step 41, the payment platform creates a payment order and binds the mobile phone number of the terminal user, and creates a payment aggregation page, namely, updates the H5 page;
step 42, the payment platform returns a payment aggregation page of the new H5 link address to the end user;
and 43, the terminal user selects a payment mode to pay based on the payment aggregation page.
The steps of payment for interactions between the paymate, end user and third party paymate may be referred to as steps 6 through 14 of fig. 2.
In the embodiment of the application, the payment platform acquires the mobile phone number of the terminal user, the merchant identifier of the target merchant and the payment information corresponding to the commodity identifier through the access request of the terminal user to the payment link contained in the 5G message, wherein the payment link carries the merchant identifier of the target merchant and the payment information of the commodity identifier; establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third party payment platform, so that the target third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment; based on the payment result corresponding to the payment request, a payment result notification is sent to the terminal user, so that 5G message payment and service can be provided for merchants through a unified payment platform, the universality and compatibility of the 5G message payment are improved, the cost of the 5G message payment is reduced, and the payment efficiency is improved.
Optionally, the embodiment of the application also provides a 5G message payment method which is applied to the CSP platform. As shown in fig. 4, the method includes:
step 202, intercepting a 5G message which is sent by a target merchant in response to a commodity order request of a terminal user and contains a first payment link, wherein the first payment link carries payment information of a merchant identifier and a commodity identifier of the target merchant, and the target merchant is registered in the CSP platform;
step 204, according to the commodity order request, obtaining the mobile phone number and CSP platform identification of the terminal user;
and 206, performing parameter splicing on the first payment link, the mobile phone number and the CSP platform identifier, generating a second payment link, packaging the second payment link into the 5G message, and sending the second payment link to the terminal user.
In the embodiment of the application, the CSP platform is used for transforming the payment link encapsulated in the 5G message, so that the mobile phone number of the terminal user can be directly obtained from the payment link, and the association binding of the mobile phone number and the payment information is realized to finish the payment operation, thereby remarkably improving the payment speed and efficiency of the 5G message and improving the use experience of the user.
Optionally, the embodiment of the present application further provides a 5G message payment system, and fig. 5 is a block diagram of the structure of the 5G message payment system of the embodiment of the present application.
As shown in fig. 5, the 5G message payment system of embodiments of the present application includes an end user 1200, a CSP platform 1600, a merchant 1400, a payment platform 1800, and a third party payment platform 1900.
The end user 1200 sends a commodity ordering request to a target merchant, where the target merchant registers with the CSP platform and the payment platform, respectively;
the target merchant 1400 responds to the commodity order request, acquires a payment link corresponding to the commodity order request from the payment platform and packages the payment link into a 5G message to be sent to the terminal user, wherein the payment link carries payment information of a merchant identifier and a commodity identifier of the target merchant;
the CSP platform 1600 intercepts the 5G message and packages the mobile phone number of the terminal user into a payment link contained in the 5G message and then sends the payment link to the terminal user;
the payment platform 1800 obtains payment information corresponding to the mobile phone number of the terminal user, the merchant identifier of the target merchant and the commodity identifier based on the access request of the terminal user to the payment link included in the 5G message; establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to the third party payment platform;
The third party payment platform 1900 creates a third party payment page based on the merchant identifier and the commodity identifier and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
the payment platform 1800 sends a payment result notification to the end user based on the payment result corresponding to the payment request.
In addition, the embodiment of the application also provides a 5G message payment device, and fig. 6 is a structural block diagram of the 5G message payment device in the embodiment of the application.
As shown in fig. 6, the 5G message payment device 2000 includes a memory 2200 and a processor 2400 electrically connected to the memory 2200, where the memory 2200 stores a computer program that can be executed by the processor 2400, where the computer program implements the processes of any one of the foregoing 5G message payment method embodiments, and the processes achieve the same technical effects, and are not repeated herein.
The embodiment of the application further provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor, implements each process of any one of the above embodiments of the 5G message payment method, and can achieve the same technical effects, so that repetition is avoided, and no further description is given here. Wherein the computer readable storage medium is selected from Read-Only Memory (ROM), random access Memory (Random Access Memory, RAM), magnetic disk or optical disk.
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 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.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk), including several instructions for causing a terminal (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method described in the embodiments of the present application.
The embodiments of the present application have been described above with reference to the accompanying drawings, but the present application is not limited to the above-described embodiments, which are merely illustrative and not restrictive, and many forms may be made by those of ordinary skill in the art without departing from the spirit of the present application and the scope of the claims, which are also within the protection of the present application.
Claims (9)
1. A 5G message payment method, for use with a paymate, the method comprising:
generating a payment link; wherein the payment link carries payment information of a merchant identifier and a commodity identifier of a target merchant;
based on the access request of the terminal user to the payment link contained in the 5G message, acquiring the mobile phone number of the terminal user, the merchant identification of the target merchant and the payment information corresponding to the commodity identification;
establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user;
based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to a target third party payment platform, so that the target third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
Sending a payment result notification to the terminal user based on the payment result corresponding to the payment request;
based on an access request of a terminal user to a payment link contained in a 5G message, acquiring a mobile phone number of the terminal user comprises:
analyzing the parameters of the payment link, and judging whether the payment link carries the mobile phone number of the terminal user or not;
if yes, acquiring the mobile phone number from the payment link, wherein the mobile phone number is packaged into the payment link contained in the 5G message before the 5G message is sent to the terminal user by a CSP platform of a 5G message service provider;
if not, acquiring the mobile phone number through a target authentication server;
the mobile phone number in the payment link is obtained by the merchant from the payment platform through modification of the 5G message service provider CSP platform and is added into the payment link sent to the terminal user by the merchant;
the modification of the payment link acquired from the payment platform by the merchant through the CSP platform of the 5G message service provider is added to the payment link sent to the terminal user by the merchant, and the modification comprises the following steps:
The CSP platform intercepts a 5G message which is sent by a target merchant in response to a commodity order request of a terminal user and contains a first payment link, wherein the first payment link carries payment information of a merchant identifier and a commodity identifier of the target merchant, and the target merchant is registered in the CSP platform;
the CSP platform acquires the mobile phone number and CSP platform identification of the terminal user according to the commodity ordering request;
and the CSP platform performs parameter splicing on the first payment link, the mobile phone number and the CSP platform identifier, generates a second payment link, encapsulates the second payment link into the 5G message and sends the 5G message to the terminal user, wherein the second payment link is a payment link carrying the mobile phone number of the terminal user based on the 5G message.
2. The method of claim 1, further comprising, prior to the end user accessing the payment link contained in the 5G message:
receiving a commodity creation request sent by a merchant registered in the payment platform, wherein the commodity creation request carries a merchant identifier and a commodity identifier;
and generating a payment link according to the merchant identification and the commodity identification and storing the payment link in a target database, wherein the target merchant responds to the commodity order request sent by the terminal user, acquires the payment link corresponding to the commodity order request from the target database, and encapsulates the payment link into the 5G message to be sent to the terminal user.
3. The method of claim 2, wherein generating a payment link based on the merchant identification and the item identification comprises:
encrypting the merchant identifier and the commodity identifier respectively;
and performing parameter splicing on the encrypted merchant identifier and the encrypted commodity identifier to generate the payment link.
4. The method of claim 1, wherein obtaining the cell phone number by a target authentication server comprises:
determining the network connection type of the terminal user;
under the condition that the network connection type is cellular network connection, calling automatic number-fetching capability to acquire the mobile phone number of the terminal user;
and after the mobile phone number passes through the authentication of the first target authentication server, acquiring the mobile phone number.
5. The method of claim 1, wherein obtaining the cell phone number by a target authentication server comprises:
determining the network connection type of the terminal user;
receiving a mobile phone number input by the terminal user through a short message verification code function under the condition that the network connection type is non-cellular network connection;
and after the mobile phone number passes through the authentication of the second target authentication server, acquiring the mobile phone number.
6. A 5G message payment method, applied to a CSP platform, the method comprising:
intercepting a 5G message which is sent by a target merchant in response to a commodity order request of a terminal user and contains a first payment link, wherein the first payment link carries the merchant identification of the target merchant and payment information of the commodity identification, and the target merchant is registered in the CSP platform;
acquiring a mobile phone number and a CSP platform identifier of the terminal user according to the commodity ordering request;
and performing parameter splicing on the first payment link, the mobile phone number and the CSP platform identifier, generating a second payment link, and packaging the second payment link into the 5G message to be sent to the terminal user, wherein the second payment link is a payment link carrying the mobile phone number of the terminal user based on the 5G message.
7. A5G message payment system is characterized by comprising an end user, a CSP platform, a merchant, a payment platform and a third party payment platform,
the terminal user sends a commodity ordering request to a target merchant, and the target merchant registers in the CSP platform and the payment platform respectively;
the target merchant responds to the commodity order request, acquires a payment link corresponding to the commodity order request from the payment platform, encapsulates the payment link into a 5G message and sends the 5G message to the terminal user, wherein the payment link carries the merchant identifier of the target merchant and payment information of the commodity identifier;
The CSP platform intercepts the 5G message, encapsulates the mobile phone number of the terminal user into a payment link contained in the 5G message and then sends the payment link to the terminal user;
the payment platform generates a payment link, and obtains payment information corresponding to the mobile phone number of the terminal user, the merchant identification of the target merchant and the commodity identification based on the access request of the terminal user to the payment link contained in the 5G message; establishing an association relation between the mobile phone number and the payment information, and sending a payment mode selection page to the terminal user; based on the operation of the terminal user on the payment mode selection page, sending a payment request carrying the payment information and the mobile phone number to the third party payment platform;
the third party payment platform creates a third party payment page based on the merchant identification and the commodity identification and sends the third party payment page to the terminal user corresponding to the mobile phone number for payment;
the payment platform sends a payment result notification to the terminal user based on the payment result corresponding to the payment request;
based on an access request of a terminal user to a payment link contained in a 5G message, acquiring a mobile phone number of the terminal user comprises:
Analyzing the parameters of the payment link, and judging whether the payment link carries the mobile phone number of the terminal user or not;
if yes, acquiring the mobile phone number from the payment link, wherein the mobile phone number is packaged into the payment link contained in the 5G message before the 5G message is sent to the terminal user by a CSP platform of a 5G message service provider;
if not, acquiring the mobile phone number through a target authentication server;
the mobile phone number in the payment link is obtained by the merchant from the payment platform through modification of the 5G message service provider CSP platform and is added into the payment link sent to the terminal user by the merchant;
the modification of the payment link acquired from the payment platform by the merchant through the CSP platform of the 5G message service provider is added to the payment link sent to the terminal user by the merchant, and the modification comprises the following steps:
the CSP platform intercepts a 5G message which is sent by a target merchant in response to a commodity order request of a terminal user and contains a first payment link, wherein the first payment link carries payment information of a merchant identifier and a commodity identifier of the target merchant, and the target merchant is registered in the CSP platform;
The CSP platform acquires the mobile phone number and CSP platform identification of the terminal user according to the commodity ordering request;
and the CSP platform performs parameter splicing on the first payment link, the mobile phone number and the CSP platform identifier, generates a second payment link, encapsulates the second payment link into the 5G message and sends the 5G message to the terminal user, wherein the second payment link is a payment link carrying the mobile phone number of the terminal user based on the 5G message.
8. A 5G message payment device, comprising: a memory and a processor electrically connected to the memory, the memory storing a computer program executable by the processor to perform the steps of the method of any one of claims 1 to 5 or to perform the steps of the method of claim 6 when executed by the processor.
9. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, implements the steps of the method according to any one of claims 1 to 5 or the steps of the method according to claim 6.
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