CN115204860A - Self-service payment system based on unified payment platform - Google Patents
Self-service payment system based on unified payment platform Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The invention discloses a self-service payment system based on a unified payment platform, which relates to the technical field of internet payment and solves the technical problem that payment two-dimensional codes in a transmission process are not encrypted, the payment two-dimensional codes are segmented to be divided into nine groups of micro-images, the nine groups of micro-images after the segmentation are marked, corresponding i value sequences are obtained according to the arrangement form of the marks, different two-dimensional codes to be paralleled are generated according to the internal codes of the i value sequences, three groups of different network channels are adopted for transmission, and the parallel two-dimensional codes are identified to complete the combination of the nine groups of micro-images to obtain original payment two-dimensional codes; the payment two-dimensional code is divided by the method, encryption processing is carried out by the method of transmitting through different network channels, external personnel are prevented from stealing and modifying the payment two-dimensional code in the transmission process, encryption performance and encryption effect are improved, and property loss of external payment personnel is avoided.
Description
Technical Field
The invention belongs to the technical field of internet payment, and particularly relates to a self-service payment system based on a unified payment platform.
Background
The city rhythm is faster and faster, in order to reduce troubles of paying and handling various services as much as possible, people want to make time difference, entrust banks to withhold and other methods, but all the methods cannot really help people to save worry, labor and time \8230and8230, and along with the development of the internet technology, the internet paying platform enables various requirements of life of people to be met at the fastest speed.
The invention with patent publication number CN112036871A discloses a secure unified payment platform, which comprises a center end, a server end and a client end; a central end: according to the requirement of equal insurance, a central terminal is provided with 9 areas, namely an internet access area, a WEB service area, a remote access area, an internet access area, a core exchange area, an application server area, a database area, an access area and a management area; and on this basis, a security authentication service management platform and a security password service management platform are deployed, and the mechanism end: deploying a front server in an access area of an organization intranet and a private network, and installing a CLA security certification support system and a cloud security transmission system on the server; a client: deploying a CLA client, a secure two-dimensional code reading client, an SSL client and a VPN client on APP used by Internet residents; the invention realizes the deep integration of the resident health card platform and the mechanism platform and fully meets the urgent requirements of the public on medical health and public service.
The internet payment platform needs to generate a payment two-dimensional code in real time in a specific operation process, then transmits the payment two-dimensional code, and in the transmission process, the payment two-dimensional code is not encrypted and is changed according to a transmission path of the payment two-dimensional code after being stolen by an external illegal person, so that the payment problem of the payment person is easily caused, and property loss is also caused in severe cases.
Disclosure of Invention
The present invention is directed to solving at least one of the problems of the prior art; therefore, the invention provides a self-service payment system based on a unified payment platform, which is used for solving the technical problem that a payment two-dimensional code in a transmission process is not encrypted.
In order to achieve the above object, an embodiment according to a first aspect of the present invention provides a self-service payment system based on a unified payment platform, including a personal mobile terminal, a platform payment center, and a transmission terminal;
the platform payment center comprises a two-dimensional code generation unit, a two-dimensional code processing unit and a storage unit;
the personal mobile terminal is a mobile device used by an external person, generates a payment request, generates a payment two-dimensional code according to the payment request, identifies the two-dimensional code through the mobile device, performs payment processing, and transmits payment information to the platform payment center;
the two-dimension code generating unit in the platform payment center generates various payment two-dimension codes of different types according to the received payment request and transmits the generated payment two-dimension codes to the two-dimension code processing unit;
the two-dimension code processing unit is used for dividing the generated payment two-dimension code to divide the payment two-dimension code into a plurality of micro-images, marking the micro-images, and generating three groups of parallel two-dimension codes according to the marks, wherein the parallel two-dimension codes are used for integrating nine groups of micro-images to obtain an original payment two-dimension code;
and the transmission terminal transmits the nine groups of micro images and the parallel two-dimensional codes to the personal mobile terminal in a channel-by-channel transportation mode.
Preferably, the specific processing step of the two-dimensional code processing unit dividing the generated payment two-dimensional code is as follows:
extracting the formed payment two-dimensional code, and dividing the payment two-dimensional code into nine groups of micro images to be processed in a Sudoku manner;
sequentially marking nine groups of micro images to be processed, wherein the marked micro images are represented by i, wherein i =1, 2, 8230, and 9;
according to the arrangement form of the nine groups of micro images, acquiring a mark i value sequence from top to bottom, wherein the first group of i value sequences are 1, 4 and 7, the second group of i value sequences are 2, 5 and 8, and the third group of i value sequences are 3, 6 and 9;
generating a first group of two-dimensional codes to be paralleled according to parameters of the first group of i value sequences, sequentially generating two subsequent groups of two-dimensional codes to be paralleled according to subsequent different i value sequences, and merging the first group of two-dimensional codes to be paralleled and the two subsequent groups of two-dimensional codes to be paralleled to obtain complete parallel two-dimensional codes;
and conveying the nine groups of micro images and the parallel two-dimensional codes after the segmentation into a transmission terminal, and transmitting the nine groups of micro images and the parallel two-dimensional codes into a personal mobile terminal through the transmission terminal.
Preferably, the transmission terminal adopts a specific way of sub-channel transportation of the nine groups of micro images and the parallel two-dimensional codes as follows:
disorganizing nine groups of micro images, randomly dividing the nine groups of micro images, binding the three groups of micro images to obtain a first group of binding data packets, and sequentially processing the rest micro images to obtain subsequent different binding data packets, wherein the parallel two-dimensional codes are positioned in one group of binding data packets;
transmitting the three groups of binding data packets by adopting three groups of different network channels, so that the three groups of binding data packets are sequentially transmitted to the personal mobile terminal;
after transmission is finished, the parallel two-dimensional codes are decoded by the corresponding payment platforms to obtain corresponding i value sequence codes, nine groups of micro images are combined according to the three groups of i value sequence codes to obtain original payment two-dimensional codes, the personal mobile terminal identifies the payment two-dimensional codes to complete payment processing, and information of payment completion is transmitted to the platform payment center again.
Preferably, the platform payment center further comprises an information verification unit, a confirmation unit and a reconciliation file generation unit;
the information checking unit is used for checking the information of the identity of the unit and the payment data, checking whether the accounts are consistent, generating a checking result and transmitting the checking result to the confirmation unit;
the confirmation unit is used for confirming the verification result, and after the verification result is confirmed to be correct, the payment channel is informed to the self-service payment system based on the unified payment platform through the interface;
the reconciliation file generation unit is used for completing reconciliation of the self-service payment system based on the unified payment platform and each channel on the next successful payment day; and sending the direct payment data assembly reconciliation message with successful reconciliation to a financial electronic payment general interface for reconciliation, generating a reconciliation file of each unit, and transmitting the generated reconciliation file to a storage unit for storage.
Preferably, the storage unit is used for storing the account checking file, the payment two-dimensional code and the parallel two-dimensional code.
Compared with the prior art, the invention has the beneficial effects that: after a two-dimensional code generating unit in a platform payment center generates corresponding payment two-dimensional codes, the payment two-dimensional codes are segmented to enable the payment two-dimensional codes to be segmented into nine groups of micro images, the nine groups of micro images after segmentation are marked, corresponding i value sequences are obtained according to the arrangement form of the marks, different two-dimensional codes to be arranged in parallel are generated according to the internal codes of the i value sequences, the multiple groups of two-dimensional codes to be arranged in parallel are combined to obtain parallel two-dimensional codes, the multiple groups of nine different groups of micro images and the parallel two-dimensional codes are divided into three groups of data packets, the three groups of data packets are transmitted by three groups of different network channels, the three groups of data packets are transmitted into a personal mobile terminal, the parallel two-dimensional codes are identified, the nine groups of micro images are sorted and combined to obtain original payment two-dimensional codes, and payment processing is carried out through the payment two-dimensional codes;
the payment two-dimensional code is divided by the method, encryption processing is carried out by the method of transmitting through different network channels, external personnel are prevented from stealing and modifying the payment two-dimensional code in the transmission process, encryption performance and encryption effect are improved, and property loss of external payment personnel is avoided.
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Fig. 1 is a schematic diagram of the principle of the present invention.
Detailed Description
The technical solutions of the present invention will be described below clearly and completely in conjunction with the embodiments, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The invention provides two sets of embodiments
Example one
Referring to fig. 1, the present application provides a self-service payment system based on a unified payment platform, which includes a personal mobile terminal, a platform payment center and a transmission terminal;
the output end of the personal mobile terminal is electrically connected with the input end of the platform payment center, and the output end of the platform payment center is electrically connected with the input end of the transmission terminal;
the platform payment center comprises a two-dimension code generation unit, a two-dimension code processing unit and a storage unit, wherein the output end of the two-dimension code generation unit is electrically connected with the input end of the two-dimension code processing unit, the two-dimension code processing unit is bidirectionally connected with the storage unit, the platform payment center also comprises an information verification unit, the output end of the information verification unit is electrically connected with the input end of a confirmation unit, the output end of the confirmation unit is electrically connected with an account checking file generation unit, and the output end of the account checking file generation unit is electrically connected with the input end of the storage unit;
the personal mobile terminal is a mobile device used by an external person, generates a payment request, generates a payment two-dimensional code according to the payment request, identifies the two-dimensional code through the mobile device, performs payment processing, and transmits payment information to the platform payment center;
the two-dimension code generating unit in the platform payment center generates various payment two-dimension codes of different types according to the received payment request and transmits the generated payment two-dimension codes to the two-dimension code processing unit;
the two-dimensional code processing unit divides the payment two-dimensional code that generates, makes the payment two-dimensional code divide into a plurality of microimage, marks a plurality of microimage again to regenerate into three groups of two-dimensional codes side by side according to the mark, through discerning the two-dimensional code side by side alright integrate nine groups of microimages, obtain original payment two-dimensional code, wherein specific processing step that cuts apart is:
extracting the formed payment two-dimensional code, and dividing the payment two-dimensional code into nine groups of micro images to be processed in a Sudoku manner;
sequentially marking nine groups of micro images to be processed in a marking mode, wherein the marking is represented by i, i =1, 2, \8230;, 9;
acquiring a marked i value sequence from top to bottom according to an arrangement form of nine groups of micro images, wherein the first group of i value sequences are 1, 4 and 7, the second group of i value sequences are 2, 5 and 8, and the third group of i value sequences are 3, 6 and 9 (specifically, the arrangement form of the nine groups of micro images after preliminary segmentation is 1, 2 and 3 from left to right, the second group is 4, 5 and 6, and the third group is 7, 8 and 9);
generating a first group of two-dimensional codes to be paralleled according to parameters of a first group of i value sequences, sequentially generating two subsequent groups of two-dimensional codes to be paralleled according to subsequent different i value sequences, and combining the first group of two-dimensional codes to be paralleled and the two subsequent groups of two-dimensional codes to be paralleled to obtain complete parallel two-dimensional codes (specifically, the parallel two-dimensional codes comprise three groups of recognizable i value sequence two-dimensional codes, when the first group of i value sequence two-dimensional codes are recognized, a digital arrangement form of the i value sequences can be obtained, and recognition results of the second group of i value sequence two-dimensional codes and the third group of i value sequence two-dimensional codes are also the same);
and conveying the nine groups of micro images and the parallel two-dimensional codes after the segmentation into a transmission terminal, and transmitting the nine groups of micro images and the parallel two-dimensional codes into a personal mobile terminal through the transmission terminal.
The transmission terminal adopts the mode of subchannel transportation with nine groups of microimages and parallel two-dimensional codes, transmits nine groups of microimages and parallel two-dimensional codes to the personal mobile terminal, wherein specific transmission mode is:
disorganizing nine groups of micro images, randomly dividing the nine groups of micro images, binding the three groups of micro images to obtain a first group of binding data packets, and sequentially processing the rest micro images to obtain subsequent different binding data packets, wherein the parallel two-dimensional codes are positioned in one group of binding data packets;
transmitting the three groups of binding data packets by adopting three groups of different network channels, so that the three groups of binding data packets are sequentially transmitted to the personal mobile terminal;
after transmission is finished, the parallel two-dimensional codes are decoded by the corresponding payment platform to obtain corresponding i value sequence codes, nine groups of micro images are combined according to the three groups of i value sequence codes to obtain original payment two-dimensional codes, the personal mobile terminal identifies the payment two-dimensional codes to complete payment processing, and information of payment completion is transmitted to the platform payment center again.
The information checking unit is used for checking the information of the identity of the unit and the payment data, checking whether the accounts are consistent, generating a checking result and transmitting the checking result to the confirmation unit;
the confirmation unit is used for confirming the verification result, and after the verification result is confirmed to be correct, the payment channel is informed to the self-service payment system based on the unified payment platform through the interface;
the reconciliation file generation unit is used for completing reconciliation of the self-service payment system based on the unified payment platform and each channel on the next successful payment day; and sending the direct payment data assembly reconciliation message with successful reconciliation to a financial electronic payment general interface (adapter) for reconciliation, generating a reconciliation file of each unit, and transmitting the generated reconciliation file to a storage unit for storage.
The platform payment center comprises the following specific operation steps:
when the unit is in charge of the payment service, the unit system calls a self-service payment system interface based on the unified payment platform, and after the unified payment platform receives the request, the identity of the unit is checked, and whether the unit is the direct payment service or the remittance service is judged. If the service is a direct payment service, calling a non-tax system to generate a payment notice; if the generation is successful, returning the page/payment two-dimensional code to a cashier desk page of the unit system; if the generation fails, the failure reason is returned to the unit system. And if the transaction information is the transaction information of the remittance service storage business 1, returning the remittance service information to a cashier desk page/payment two-dimensional code of the unit system.
A payer initiates a payment request by selecting a payment mode on a cash register page; the payer scans the payment two-dimensional code, and the mobile phone opens a cash desk page to select a payment mode to initiate a payment request.
And after receiving the payment request, the self-service payment system based on the unified payment platform checks payment information, calls a payment channel and returns to a cash desk page of the payment channel.
And after the payer successfully pays, the payment channel informs the self-service payment system based on the unified payment platform through an interface.
And after receiving the notification request, the self-service payment system based on the unified payment platform notifies the receipt unit system and judges whether the transaction is a direct payment service or a remittance service. If the business is a direct payment business, calling a non-tax system to initiate payment confirmation; if the confirmation is successful, the electronic bill is changed out in a non-tax way; if the payment confirmation fails, manual processing is needed. If the transaction is remittance service, the non-tax receipt system is called to make an electronic bill.
The next day of successful payment, a self-service payment system based on a unified payment platform and checking accounts of all channels are completed; and (4) sending the direct payment data assembly reconciliation message with successful reconciliation to a financial electronic payment general interface (adapter) for reconciliation, and generating a reconciliation file of each unit.
Example two
The online self-service payment system is an internet charging system provided by a charge execution unit; the online self-service payment system adopts a cloud deployment mode, and a unit can be directly used as long as a channel merchant is opened without any modification. Meanwhile, the system is in seamless connection with the electronic bill system, and workers and payers only need to directly log in, so that one-stop service processes of transaction, internet payment and real-time electronic bill acquisition of payment items of the receiving unit can be realized. On one hand, the processes of fund collection and invoicing are unified and standard through the online self-service payment system; on the other hand, electronic and automatic real-time fund collection, real-time account checking and real-time settlement are ensured;
the online self-service payment system provides various payment entrances such as unit WeChat public numbers, administrative payment cloud platforms, login websites and the like for the receipt units, and the rear end can realize payment through channels such as WeChat, paibao, unionpay and the like. The online self-service payment system provides payment modes such as online self-service check payment, on-site real-time payment, mobile real-time payment and mobile phone self-service payment. Meanwhile, a super manager can manage the commercial tenant through the system, and unit workers can manage basic information of the unit, a payment interface, payment information and the like through the system;
applying for a WeChat public number for a receiving unit, embedding a payment module, jumping to a page H5 of an online self-service payment system, and realizing internet payment and obtaining one-stop service of an electronic bill by a payer;
logging in a WeChat public number 'administrative payment cloud platform', and after entering a page, selecting an 'online self-service payment system' by a unit worker to realize mobile code scanning payment; the payer selects 'political payment and cloud payment' to realize mobile check payment and real-time acquisition of an electronic bill;
providing a login website for each receiving unit, wherein the website comprises a unit end and a user end. The method comprises the following steps that a worker logs in a website of a unit end to realize a transaction service, a payer logs in a website of a user end to realize internet payment and obtain an electronic bill in real time, and the website of the unit end and the website of the user end support a PC page and a mobile end H5 page;
the online payment pendant realizes quick butt joint with the service handling platform, can be embedded or called in various application forms such as websites, weChat public numbers, small programs and the like, and helps the service handling platform to quickly realize online payment of funds.
The payment pendant interface mainly provides functions of uniformly accessing and hanging JS, distributing JS on classified pages, classifying pendant interfaces of merchants, sequencing and displaying payment channels and the like.
The merchant order interface mainly comprises functions of merchant order receiving, merchant order decrypting, merchant order verifying, merchant order service distributing and the like;
the payment two-dimensional code module provides functions of generating, skipping and the like of the payment two-dimensional code according to payment information. The payment-based two-dimensional code service can help a unit and a third party to realize the function of code scanning payment.
The payment order processing is used for generating, displaying and distributing payment orders, and processing and recording merchant orders; and generating a payment order of the corresponding channel according to the merchant order, distributing the payment order to the corresponding channel, assembling the channel and displaying the content to the front end.
The non-tax receipt module is used for managing the generation of non-tax orders and the development of non-tax receipt interfaces, and realizes the message encapsulation of the non-tax system receipt interfaces, the message transmission of the non-tax system receipt interfaces, the merging processing after the non-tax receipt data is generated, the analysis of non-tax receipt information, the forwarding of the non-tax receipt information and the like.
The non-tax payment business module realizes the butt joint payment inquiry, payment confirmation and the like with the financial adapter.
The payment accounting processing provides an accounting engine function, processes non-tax business core accounts, and realizes payment order bookkeeping, payment result bookkeeping and accounting exception processing.
The transaction result notification realizes the front-end and back-end notification of the payment result, and provides the functions of payment channel notification processing, merchant notification packaging, merchant notification encryption, notification transmission to each business system and the like.
When the result is successfully sent to the service system but the service system does not receive the result due to external factors such as network and the like, the transaction inquiry interface can be called to automatically inquire the notice of payment, refund and the like.
And after the electronic bill pushing is realized, the electronic bill pushing and the electronic bill display are carried out according to the financial electronic bill service specification, the coding specification and the data specification.
The payment channel account checking module provides two account checking modes of automatic account checking and manual account checking. The automatic account checking adopts a timing service mode, the unified payment platform and the real-time receiving condition of the payment channel are automatically checked, each payment order is checked, and the consistency of payment data is ensured. And manual account checking is carried out manually, the uniform payment platform and the payment channel real-time receiving condition are manually operated, the payment order is checked, and the consistency of payment data is ensured. This approach is typically used when an exception occurs with an automatic reconciliation.
The unified account checking module is used for platform background unified account checking management, realizes account checking with the UnionPay transaction, paibao transaction and WeChat payment transaction, and collects account checking results to generate unified account checking bills. And error processing is carried out if necessary to ensure the matching of the collecting information flow and the fund flow. The unified account checking mainly provides functions of summarizing two-wheel account checking generated data, cleaning unified account checking data, solidifying the unified account checking data and the like.
The non-tax reconciliation module is used for managing transaction data reconciliation, fund reconciliation and the like of the non-tax adapter.
(1) Wrong payment and payment returning: the system generates a payment withdrawal order and pushes the payment withdrawal order to a general payment service; and after the general payment service is pushed to a non-tax payment system for auditing, the payment withdrawal information is sent to a corresponding payment channel to complete payment withdrawal.
(2) And (3) paying off the repeated payment under the line: when the bank feeds back the payment result to the adapter after completing a payment from the off-line bank channel, the adapter can judge whether the payment is a repeated payment; and if the payment is repeated, returning the original path of the fund to the payer through a manual way under the line.
The refund result notification realizes the refund result front-end and back-end notifications, and provides the functions of payment channel notification processing, merchant notification packaging, merchant notification encryption, notification sending to the adapter and the like.
The fund clearing module is used for providing payment fund clearing and is responsible for transferring relevant messages such as clearing and distributing result, clearing and distributing fund to account and the like, and helping a payment channel to complete fund clearing treatment according to the receiving and paying electronization requirement;
the paying demands on the cable, paying personnel and information are relatively unified and fixed, and the scenes of orders can be recorded in advance. For example: the education payment of the school, the school unit uses the online self-help payment system to log in the backstage system to import the payment information that the student should pay, the student uses the computer or mobile phone to log in the payment website of the school, the student enters his own payment code and name, look over the student's own payment information, choose the payment mode (such as WeChat, payment treasuret, internet bank, etc.) to pay online after confirming the information is correct, look over the payment electronic bill after paying successfully, finish the personal check and payment online.
The information of the payment personnel in the scene is relatively unified and fixed, and the working personnel can enter payment orders in advance.
Scene examples: the school learns to check and pay the fee.
The payment process of the school fee investigation and payment is as follows:
after logging in the online payment system, a unit administrator opens payment information management in payment information and payment management, and the payment information management is used for maintaining payment information of a payer;
paying by a unit on site: for example, when the students pay by the school unit, the teacher of the unit can immediately pay after inputting the student payment information, the system generates a collection two-dimensional code, and the students scan the code to pay the payment. The unit can also use the card station equipment to display the collection two-dimensional code;
the payers open system payment pages on PC web pages and mobile phone pages, input checking and paying information to inquire payment information, and during checking and paying, a payment unit needs to manage and maintain payment information of the payers in a background system payment information management mode.
Part of data in the formula is obtained by removing dimension and taking the value to calculate, and the formula is obtained by simulating a large amount of collected data through software and is closest to a real situation; the preset parameters and the preset threshold values in the formula are set by those skilled in the art according to actual conditions or obtained through simulation of a large amount of data.
The working principle of the invention is as follows: after a two-dimensional code generating unit in a platform payment center generates corresponding payment two-dimensional codes, the payment two-dimensional codes are segmented to enable the payment two-dimensional codes to be segmented into nine groups of micro images, the nine groups of micro images after segmentation are marked, corresponding i value sequences are obtained according to the arrangement form of the marks, different two-dimensional codes to be arranged in parallel are generated according to the internal codes of the i value sequences, the multiple groups of two-dimensional codes to be arranged in parallel are combined to obtain parallel two-dimensional codes, the multiple groups of nine different groups of micro images and the parallel two-dimensional codes are divided into three groups of data packets, the three groups of data packets are transmitted by three groups of different network channels, the three groups of data packets are transmitted into a personal mobile terminal, the parallel two-dimensional codes are identified, the nine groups of micro images are sorted and combined to obtain original payment two-dimensional codes, and payment processing is carried out through the payment two-dimensional codes;
the method is used for cutting the payment two-dimensional code, and then encryption processing is carried out in a transmission mode through different network channels, so that the payment two-dimensional code in the transmission process is prevented from being stolen and modified by external personnel, the encryption performance and the encryption effect are improved, and the property loss of external payers is avoided.
Although the present invention has been described in detail with reference to the preferred embodiments, it will be understood by those skilled in the art that various changes may be made and equivalents may be substituted for elements thereof without departing from the spirit and scope of the present invention.
Claims (5)
1. A self-service payment system based on a unified payment platform is characterized by comprising a personal mobile terminal, a platform payment center and a transmission terminal;
the platform payment center comprises a two-dimensional code generation unit, a two-dimensional code processing unit and a storage unit;
the personal mobile terminal is a mobile device used by an external person, generates a payment request, generates a payment two-dimensional code according to the payment request, identifies the two-dimensional code through the mobile device, performs payment processing, and transmits payment information to the platform payment center;
the two-dimension code generating unit in the platform payment center generates various payment two-dimension codes of different types according to the received payment request and transmits the generated payment two-dimension codes to the two-dimension code processing unit;
the two-dimension code processing unit is used for segmenting the generated payment two-dimension code, so that the payment two-dimension code is segmented into a plurality of micro images, then the micro images are marked, and three groups of parallel two-dimension codes are generated according to the marks, wherein the parallel two-dimension codes are used for integrating the nine groups of micro images to obtain an original payment two-dimension code;
and the transmission terminal transmits the nine groups of micro images and the parallel two-dimensional codes to the personal mobile terminal in a channel-by-channel transportation mode.
2. The self-service payment system based on the unified payment platform of claim 1, wherein the two-dimension code processing unit is configured to segment the generated payment two-dimension code by the specific processing steps of:
extracting the formed payment two-dimensional code, and dividing the payment two-dimensional code into nine groups of micro images to be processed in a Sudoku manner;
sequentially marking nine groups of micro images to be processed in a marking mode, wherein the marking is represented by i, i =1, 2, \8230;, 9;
according to the arrangement form of the nine groups of micro images, acquiring a mark i value sequence from top to bottom, wherein the first group of i value sequences are 1, 4 and 7, the second group of i value sequences are 2, 5 and 8, and the third group of i value sequences are 3, 6 and 9;
generating a first group of two-dimensional codes to be parallel according to parameters of the first group of i value sequences, sequentially generating two subsequent groups of two-dimensional codes to be parallel according to subsequent different i value sequences, and combining the first group of two-dimensional codes to be parallel and the two subsequent groups of two-dimensional codes to be parallel to obtain complete parallel two-dimensional codes;
and conveying the nine groups of micro images and the parallel two-dimensional codes after the segmentation into a transmission terminal, and transmitting the nine groups of micro images and the parallel two-dimensional codes into a personal mobile terminal through the transmission terminal.
3. The self-service payment system based on the unified payment platform of claim 2, wherein the transmission terminal adopts a specific way of sub-channel transportation for nine groups of micro-images and parallel two-dimensional codes as follows:
disorganizing nine groups of micro images, randomly dividing the nine groups of micro images, binding the three groups of micro images to obtain a first group of binding data packets, and sequentially processing the rest micro images to obtain subsequent different binding data packets, wherein the parallel two-dimensional codes are positioned in one group of binding data packets;
transmitting the three groups of binding data packets by adopting three groups of different network channels, so that the three groups of binding data packets are sequentially transmitted to the personal mobile terminal;
after transmission is finished, the parallel two-dimensional codes are decoded by the corresponding payment platform to obtain corresponding i value sequence codes, nine groups of micro images are combined according to the three groups of i value sequence codes to obtain original payment two-dimensional codes, the personal mobile terminal identifies the payment two-dimensional codes to complete payment processing, and information of payment completion is transmitted to the platform payment center again.
4. The self-service payment system based on the unified payment platform as claimed in claim 3, wherein the platform payment center further comprises an information verification unit, a confirmation unit and a reconciliation file generation unit;
the information checking unit is used for checking the unit identity and the payment data, checking whether the accounts are consistent, generating a checking result and transmitting the checking result to the confirmation unit;
the confirmation unit is used for confirming the verification result, and after the verification result is confirmed to be correct, the payment channel is informed to the self-service payment system based on the unified payment platform through the interface;
the reconciliation file generation unit is used for completing reconciliation of the self-service payment system based on the unified payment platform and each channel on the next successful payment day; and sending the direct payment data assembly reconciliation message with successful reconciliation to a financial electronic payment general interface for reconciliation, generating a reconciliation file of each unit, and transmitting the generated reconciliation file to a storage unit for storage.
5. The self-service payment system based on the unified payment platform as claimed in claim 4, wherein the storage unit is used for storing the reconciliation document, the payment two-dimensional code and the parallel two-dimensional code.
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