CN115310958A - Payment method, device, equipment, system and medium based on 5G message application - Google Patents

Payment method, device, equipment, system and medium based on 5G message application Download PDF

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Publication number
CN115310958A
CN115310958A CN202210847546.5A CN202210847546A CN115310958A CN 115310958 A CN115310958 A CN 115310958A CN 202210847546 A CN202210847546 A CN 202210847546A CN 115310958 A CN115310958 A CN 115310958A
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China
Prior art keywords
payment
message
message application
user
application
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CN202210847546.5A
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Inventor
侯腾
孙权
杨阳
赵海
陈芳
回春野
谭颖
傅珏
杨波
张彦超
佟冬
胡明涛
吴裕
高峰
陈硌琼
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN202210847546.5A priority Critical patent/CN115310958A/en
Publication of CN115310958A publication Critical patent/CN115310958A/en
Priority to TW112101634A priority patent/TW202405714A/en
Priority to PCT/CN2023/072804 priority patent/WO2024016619A1/en
Pending legal-status Critical Current

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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Information Transfer Between Computers (AREA)

Abstract

The application discloses a payment method, a payment device, payment equipment, a payment system and payment media based on 5G message application, and belongs to the field of data processing. The method comprises the following steps: responding to a first input of a user to the 5G message application, and sending a payment order request to the 5G message payment platform by the 5G message application through a 5G message application background system, wherein the payment order request comprises a user identifier which is used for representing a mobile phone number of the user; receiving a payment object list fed back by a 5G message payment platform through a 5G message application background system by a 5G message application, wherein the payment object list comprises payment objects bound with user identifications; and responding to a second input of the user to the payment object list, and sending a payment request to the 5G message payment platform by the 5G message application, wherein the payment request comprises payment information, so that the 5G message payment platform interacts with the payment system according to the payment information to complete payment. According to the embodiment of the application, the payment based on the 5G message application can be realized.

Description

Payment method, device, equipment, system and medium based on 5G message application
Technical Field
The application belongs to the field of data processing, and particularly relates to a payment method, device, equipment, system and medium based on 5G message application.
Background
The fifth Generation Mobile Communication technology (5 th Generation Mobile Communication technology,5 g) message is a traditional short message upgrading technology capable of providing a message service with multimedia and interactive capabilities. The 5G message application is an application program that implements 5G messages.
At present, electronic payment is very popular, and in order to meet the demand of users for electronic payment, a payment method based on 5G message application is urgently needed.
Disclosure of Invention
The embodiment of the application provides a payment method, a payment device, payment equipment, a payment system and a payment medium based on 5G message application, and payment based on 5G message application can be realized.
In a first aspect, an embodiment of the present application provides a payment method based on a 5G message application, which is applied to a terminal device, where the terminal device has the 5G message application, and the method includes: responding to a first input of a user to the 5G message application, and sending a payment order request to the 5G message payment platform by the 5G message application through a 5G message application background system, wherein the payment order request comprises a user identifier which is used for representing a mobile phone number of the user; receiving a payment object list fed back by a 5G message payment platform through a 5G message application background system by a 5G message application, wherein the payment object list comprises payment objects bound with user identifications, and the binding relationship between the user identifications and the payment objects is stored in the 5G message payment platform; and responding to a second input of the user to the payment object list, and sending a payment request to the 5G message payment platform by the 5G message application, wherein the payment request comprises payment information, so that the 5G message payment platform interacts with the payment system according to the payment information to complete payment.
In a second aspect, an embodiment of the present application provides a payment method based on a 5G message application, which is applied to a 5G message payment platform, where the 5G message payment platform stores a binding relationship between a user identifier and a payment object, and the method includes: receiving a payment order request sent by a 5G message application of terminal equipment through a 5G message application background system, wherein the payment order request is generated by the terminal equipment in response to a first input of a user to the 5G message application and comprises a user identifier, and the user identifier is used for representing a mobile phone number of the user; feeding back a payment object list to the 5G message application through a 5G message application background system, wherein the payment object list comprises payment objects bound with the user identification; receiving a payment request sent by the terminal equipment in response to a second input of the user to the payment object list, wherein the payment request comprises payment information; and interacting with a payment system according to the payment information to finish payment.
In a third aspect, an embodiment of the present application provides a terminal device, where the terminal device has a 5G message application, and the terminal device includes: the sending module is used for responding to first input of a user to the 5G message application, the first input is called by the 5G message application and a payment order request is sent to the 5G message payment platform through the 5G message application background system, the payment order request comprises a user identifier, and the user identifier is used for representing a mobile phone number of the user; the receiving module is used for being called by the 5G message application and receiving a payment object list fed back by the 5G message payment platform through the 5G message application background system, the payment object list comprises a payment object bound with the user identification, and the 5G message payment platform stores the binding relationship between the user identification and the payment object; and the sending module is also used for responding to a second input of the user to the payment object list, calling the payment request to the 5G message payment platform by the 5G message application, wherein the payment request comprises payment information, so that the 5G message payment platform interacts with the payment system according to the payment information to finish payment.
In a fourth aspect, an embodiment of the present application provides a payment apparatus based on a 5G message application, which is applied to a 5G message payment platform, where the 5G message payment platform stores a binding relationship between a user identifier and a payment object, and the apparatus includes: the system comprises a receiving module, a sending module and a receiving module, wherein the receiving module is used for receiving a payment order request sent by a 5G message application of a terminal device through a 5G message application background system, the payment order request is generated by the terminal device in response to a first input of a user to the 5G message application and comprises a user identifier, and the user identifier is used for representing a mobile phone number of the user; the sending module is used for feeding back a payment object list to the 5G message application through the 5G message application background system, wherein the payment object list comprises payment objects bound with the user identification; the receiving module is further used for receiving a payment request sent by the terminal equipment in response to a second input of the user to the payment object list, and the payment request comprises payment information; and the sending module is also used for interacting with a payment system according to the payment information to finish payment.
In a fifth aspect, an embodiment of the present application provides a terminal device, including: a processor and a memory storing computer program instructions; the processor, when executing the computer program instructions, implements the 5G message application based payment method of the first aspect.
In a sixth aspect, an embodiment of the present application provides an electronic device, including: a processor and a memory storing computer program instructions; the processor, when executing the computer program instructions, implements the 5G message application based payment method of the second aspect.
In a seventh aspect, an embodiment of the present application provides a payment system based on a 5G message application, including: a terminal device for executing the 5G message application-based payment method of the first aspect; a 5G message payment platform for performing the payment method of the second aspect based on the 5G message application.
In an eighth aspect, embodiments of the present application provide a computer-readable storage medium having stored thereon computer program instructions, which when executed by a processor, implement the 5G message application-based payment method of the first aspect or the 5G message application-based payment method of the second aspect.
The embodiment of the application provides a payment method, a payment device, a payment system and a payment medium based on 5G message application, wherein a terminal device responds to a first input for 5G message application, triggers the terminal device to send a payment order request to a 5G message payment platform through a 5G message application background system, and the 5G message payment platform responds to the payment order request and feeds back a payment object list corresponding to a user identifier of a mobile phone number of a user to the 5G message application in the terminal device through the 5G message application background system. And the terminal equipment receives second input of the user to the payment object list to obtain payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform completes payment with the payment system in an interactive mode according to the payment information, a payment interface of the 5G message application is established, and payment based on the 5G message application is realized.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the embodiments of the present application will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic diagram of an example of an application scenario of a payment method based on a 5G message application according to an embodiment of the present application;
fig. 2 is a flowchart of a payment method based on a 5G message application according to an embodiment of the first aspect of the present application;
fig. 3 is a flowchart of a payment method based on a 5G message application according to another embodiment of the first aspect of the present application;
fig. 4 is a flowchart of a payment method based on a 5G message application according to an embodiment of the second aspect of the present application;
fig. 5 is a flowchart of a payment method based on a 5G message application according to another embodiment of the second aspect of the present application;
fig. 6 is a flowchart of an example of a payment process based on a 5G message application provided in an embodiment of the present application;
fig. 7 is a flowchart of an example of a card binding process based on a 5G message application according to an embodiment of the present application;
fig. 8 is a schematic structural diagram of a terminal device according to an embodiment of the third aspect of the present application;
fig. 9 is a schematic structural diagram of a payment apparatus based on a 5G message application according to an embodiment of a fourth aspect of the present application;
fig. 10 is a schematic structural diagram of a terminal device according to an embodiment of the fifth aspect of the present application;
fig. 11 is a schematic structural diagram of an electronic device according to an embodiment of a sixth aspect of the present application.
Detailed Description
Features of various aspects and exemplary embodiments of the present application will be described in detail below, and in order to make objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative only and are not intended to be limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by illustrating examples thereof.
The fifth Generation Mobile Communication technology (5 th Generation Mobile Communication technology,5 g) message is a traditional short message upgrade technology, and can provide a message service with multimedia and interactive capabilities. The 5G message application is an application program that implements 5G messages. With the development of payment technology, the application of electronic payment is very common. With the popularization and application of 5G message application, a payment method based on 5G message application is urgently needed in order to meet the requirement of users on electronic payment.
The application provides a payment method, a payment device, payment equipment, a payment system and a payment medium based on 5G message application, wherein 5G message application is installed on terminal equipment, and payment based on the 5G message application is realized through interaction among the terminal equipment, a 5G message application background system, a 5G message payment platform and a payment system.
The embodiment of the application provides a payment method based on 5G message application, which is applied to a payment scene in the 5G message application and can relate to terminal equipment, a 5G message application background system, a 5G message payment platform, a payment system and the like. Fig. 1 is a schematic diagram of an example of an application scenario of a payment method based on a 5G message application according to an embodiment of the present application. As shown in fig. 1, terminal device 11 may be communicatively interactive with 5G message application backend system 12 and 5G message payment platform 13, respectively, 5G message application backend system 12 may be communicatively interactive with 5G message payment platform 13, and 5G message payment platform 13 may be communicatively interactive with payment system 14. In some examples, terminal device 11 may also communicatively interact with payment system 14.
The terminal device 11 has a 5G message application 111. The 5G application message 111 may provide a 5G messaging service (i.e., 5G messaging service), and the 5G messaging service is a messaging service that can support rich media formats and has the characteristics of standardization, multimedia and light weight. The 5G message application 111 in the terminal device 11 has a mapping relationship with a Subscriber Identity Module (SIM) card in the terminal device, where the mapping relationship may be specifically implemented as a corresponding relationship between the 5G message application 111 and a SIM card number, or implemented as a corresponding relationship between the 5G message application 111 and a mobile phone number corresponding to the SIM card, and is not limited herein. The 5G message application 111 has an in-application payment function, for example, the 5G message application may include a payment function such as living payment and public payment, so as to implement payment in the 5G message application 111, an entry of the payment function may be implemented in the 5G message application by using a control or in another manner, and a user inputs an area corresponding to an interface of the 5G message application 111, so as to trigger payment in the 5G message application 111. The 5G messaging application 111 of terminal device 11 may be communicatively interactive with the 5G messaging application backend system 12 and the payment application 112 of terminal device 11 may be communicatively interactive with the payment system 14. The terminal device 11 may specifically include a mobile phone, a tablet computer, an electronic computer, a smart wearable device, and the like, which is not limited herein.
The 5G message application backend system 12 is a backend system of the 5G message application 111 and may include more than one electronic device. The electronic devices may include servers, gateways, routers, etc., and the type and number of electronic devices in the 5G messaging application backend system 12 are not limited herein. In some examples, 5G message application back office system 12 may provide message service functionality to a user of terminal device 11 by way of a message conversation in the manner of a chat bot and/or a human customer service. During the payment process, the 5G message application may interact with the 5G message payment platform 13 through the 5G message application backend system 12.
The 5G message payment platform 13 is a platform system for managing and processing payments initiated by the 5G message application, and provides a unified payment interface for the 5G message application. 5G message payment platform 13 may include more than one electronic device, which may include a server, a gateway, a router, etc., without limitation to the type and number of electronic devices in 5G message payment platform 13. In the payment process, the 5G message payment platform 13 may interact with the 5G message application in the terminal device 11 through the 5G message application background system 12.
The payment system 14 is a system for managing a payment account and/or a payment card of a user, and can perform resource deduction and resource transfer required for payment. The payment system 14 may include more than one electronic device, which may include servers, gateways, routers, etc., and the type and number of electronic devices in the payment system 14 is not limited herein. The payment system 14 can acquire payment information through interaction with the 5G message payment platform 13, and complete payment.
The following describes a payment method, apparatus, device system and medium based on 5G message application in this application in sequence.
The first aspect of the present application provides a payment method based on a 5G message application, where the payment method based on the 5G message application is applicable to a terminal device, that is, the payment method based on the 5G message application is executable by the terminal device. The terminal device has a 5G message application, and specific contents of the 5G message application may refer to relevant descriptions in the above embodiments, which are not described herein again. Fig. 2 is a flowchart of a payment method based on a 5G message application according to an embodiment of the first aspect of the present application. As shown in fig. 2, the payment method based on the 5G message application may include steps S201 to S203.
In step S201, in response to a first input by the user to the 5G message application, a payment order request is sent by the 5G message application to the 5G message payment platform through the 5G message application backend system.
The first input is used to trigger a payment order request. The first input may be, but is not limited to, a single-click input, a long-press input, a double-click input, or other gesture input to a control in the 5G messaging application that initiates the order request. And the 5G message application of the terminal equipment sends a payment order request to the 5G message application background system, and the 5G message application background system sends the payment order request to the 5G message payment platform.
The 5G message application has a mapping relation with the SIM card in the terminal equipment. The payment order request comprises a user identification, the user identification is used for representing the mobile phone number of the user, and the user of the 5G message application can be determined through the mobile phone number. The user identifier may include one or more of information such as a SIM card number of the user, a mobile phone number, a SIM card number after desensitization, a mobile phone number after desensitization, and the like, which is not limited herein.
In step S202, the 5G message application receives the payment object list fed back by the 5G message payment platform through the 5G message application background system.
The 5G message payment platform stores the binding relationship between the user identification and the payment object, and can send a payment object list corresponding to the user identification to the 5G message application background system according to the user identification, and the 5G message application background system sends the payment object list to the terminal equipment, so that the 5G message application acquires the payment object list.
The payment object list includes payment objects bound to the user identification. The payment object is the object of which the resource is required to be deducted in the payment. In some examples, the payment object includes a payment card and/or a payment account number.
In step S203, in response to a second input of the user to the payment object list, the 5G message application sends a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system according to the payment information to complete payment.
And the second input is used for indicating the payment object selected by the user for payment in the payment object list and triggering the 5G message application in the terminal equipment to send a payment request to the 5G message payment platform. The second input may be, but is not limited to, a single-click input, a long-press input, a double-click input, or other gesture input to a payment object selected by the user to make a payment in the payment object list. The payment request includes payment information. The payment information includes information related to the payment, for example, the payment information may include a payment object, a payment amount, a payment item, etc. which are defined by the user to make the payment, and is not limited herein. The payment object can be a desensitized payment object.
The 5G message payment platform responds to the payment request and can interact with the payment system according to the payment information so as to complete payment. In some examples, the 5G message payment platform may send payment information to the payment system, which may deduct resources of the payment amount from payment objects selected for payment and transfer the resources of the payment amount to revenue objects, which may include revenue cards and/or revenue account numbers of the revenue party, based on the payment information.
In some examples, the selection of whether to require authentication authorization by the user may be based on payment scenarios, payment information, and the like. For example, in a scenario where the payment amount is less than or equal to the limit amount, no authentication authorization of the user may be performed; in a scenario where the payment amount is greater than the quota amount, authentication authorization of the user is required. The payment request may also include authentication authorization information in case authentication authorization of the user is required. The authentication authorization information may include, but is not limited to, an authentication code, a payment password, a biometric feature, and the like. Before the terminal equipment sends a payment request to the 5G message payment platform, the safety verification function of the 5G message application can be called, and verification authorization is applied to the user. For example, the terminal device may send a prompt message through the 5G messaging application to prompt the user to input authentication authorization information. The terminal equipment can receive the verification authorization information input by the user and generate a payment request according to the verification authorization information, or add the verification authorization information into the payment request. The 5G message payment platform can carry out user authentication according to the authentication authorization information, and then interacts with the payment system to complete payment under the condition that the user authentication is passed. The 5G message payment platform can also send the verification authorization information to the payment system, the payment system carries out user verification according to the verification authorization information, and payment is finished under the condition that the user verification is passed.
In the embodiment of the application, the terminal device is triggered to send a payment order request to the 5G message payment platform through the 5G message application background system in response to the first input for applying the 5G message, and the 5G message payment platform feeds back a payment object list corresponding to the user identifier of the mobile phone number of the user to the 5G message application in the terminal device through the 5G message application background system in response to the payment order request. And the terminal equipment receives second input of the user to the payment object list to obtain payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform completes payment with the payment system in an interactive mode according to the payment information, a payment interface of the 5G message application is established, and payment based on the 5G message application is realized.
In addition, in the payment method based on the 5G message application, the user can directly pay through the 5G message application, and does not need to click a link or jump to an H5 page to pay in the payment process, so that the payment time is shortened, and the payment efficiency is improved. Moreover, the payment method based on the 5G message application defines the payment interface of the 5G message application, can unify the consistency of the payment process based on the 5G message application, improves the success rate of payment, is convenient for managing the payment process, and is simpler and more convenient for user operation.
In some embodiments, after the 5G message payment platform completes payment through interaction with the payment system, the terminal device may further receive, by the 5G message application, a payment result message sent by the payment system through the 5G message payment platform. The payment result information is used to characterize whether the payment was successful. After receiving the payment result information, the terminal device can also send out notification information for prompting the user whether the payment is successful or not, so that the user can know the payment result conveniently.
In some embodiments, in order to be able to obtain the payment object list from the 5G message payment platform, a user identification and a corresponding payment card may be bound in advance in order to obtain the payment object list. Fig. 3 is a flowchart of a payment method based on a 5G message application according to another embodiment of the first aspect of the present application. Fig. 3 is different from fig. 2 in that the payment method based on the 5G message application shown in fig. 3 may further include steps S204 to S208.
In step S204, in response to a third input of the 5G message application by the user, a payment object binding request is sent by the 5G message application to the 5G message payment platform through the 5G message application background system.
The third input is used to trigger a payment object binding request. The first input may be, but is not limited to, a single click input, a long press input, a double click input, or other gesture input to a control in the 5G messaging application that initiates the payment object binding request. In some examples, the interface of the 5G message application may include a payment object binding control, and the third input may be an input to a payment object binding space. And the 5G message application sends a payment object binding request to the 5G message application background system, and the 5G message application background system sends the payment object binding request to the 5G message payment platform. The payment object binding request is used for triggering 5G message payment platform feedback binding connection.
In step S205, the 5G message application receives the binding link fed back by the 5G message payment platform through the 5G message application background system.
And the 5G message payment platform responds to the payment object binding request and sends the binding link to the 5G message application background system, and the 5G message application background system sends the binding link to the terminal equipment, so that the 5G message application can acquire the binding link.
The binding link may indicate a binding page of the 5G message payment platform, and in some examples, the binding page may be an H5 page, which is not limited herein. The binding page includes information that prompts the user to enter the identification of the payment card.
In step S206, the bound card page is accessed by the 5G message application in response to a fourth input of the bound link by the user.
The fourth input is used for triggering a jump to the bound card page, and the fourth input may be a single click input, a long press input, a double click input, or other gesture input for the bound link, which is not limited herein. The binding link may be an address of a binding page. Upon receiving a fourth input by the user to the bind link, the 5G messaging application accesses and exposes the bind card page. The binding page includes information that prompts the user to enter the identification of the payment card. The 5G message application has a corresponding relation with user identifications such as mobile phone numbers. The card binding page of the 5G message payment platform is accessed by the 5G message application of the terminal device, the 5G message payment platform may determine a user identifier corresponding to the 5G message application, and the card binding page may not include the user identifier, may also include the user identifier, and is not limited herein. For example, the binding page may include a payment card identification input box for inputting a payment card identification and a mobile phone number input box for inputting a mobile phone number.
In step S207, a card binding submission message is sent by the 5G message application to the 5G message payment platform, so that the 5G message payment platform sends a binding request message to the payment system, and the payment system binds the user identifier and the payment card indicated by the payment card identifier input by the user.
The binding card submission message and the binding request message include the user identification and the payment card identification entered by the user. The user identification indicates a user identification corresponding to the 5G message application. The user identifier in the binding card submission message and the binding request message may be a user identifier directly obtained from the 5G message application, or may be a user identifier input by the user, which is not limited herein.
Taking the example that the payment object comprises a payment card, the payment system binds the user identifier and the payment card indicated by the payment card identifier input by the user in response to the binding request message. And under the condition that the binding is successful, the payment system can send a binding result and a binding relationship to the 5G message payment platform, wherein the binding relationship comprises the binding relationship between the user identification and the payment card indicated by the payment card identification input by the user, and the binding result represents that the binding between the user identification and the payment card indicated by the payment card identification input by the user is successful. The 5G message payment platform can store the binding information and respectively send the binding result to the terminal equipment and the 5G message application background system.
In some examples, if the user identifier and the payment card indicated by the payment card identifier input by the user fail to be bound, the payment system may send a binding result indicating that the binding fails to be bound to the 5G message payment platform, and the 5G message payment platform may send the binding result indicating that the binding fails to be bound to the terminal device and the 5G message application background system, respectively.
In step S208, the binding result sent by the 5G message payment platform is received by the 5G message application.
And the terminal equipment receives the binding result, and the 5G message application in the terminal equipment can also obtain the binding result. Under the condition of obtaining the binding result, the 5G message application can send out prompt information which represents that the user identification and the payment card indicated by the payment card identification input by the user are successfully bound, so that the user can know the binding result in time.
The payment card identification is input by the user, the binding of the 5G message application to the payment card is realized, the card binding selection range of the user is wider, and the flexibility of the binding of the payment card of the 5G message application is improved.
In a second aspect of the present application, a payment method based on a 5G message application is provided, where the payment method based on the 5G message application is applicable to a 5G message payment platform, that is, the payment method based on the 5G message application is executable by the 5G message payment platform. Fig. 4 is a flowchart of a payment method based on a 5G message application according to an embodiment of the second aspect of the present application. As shown in fig. 4, the payment method based on the 5G message application may include steps S301 to S304.
In step S301, a payment order request sent by the 5G message application of the terminal device through the 5G message application background system is received.
The payment order request is generated by the terminal device in response to a first input applied by the user to the 5G message, including the user identification. The user identification is used for representing the mobile phone number of the user.
In step S302, the payment object list is fed back to the 5G message application through the 5G message application backend system.
The 5G message payment platform stores the binding relationship between the user identification and the payment object and can feed back a payment object list. The payment object list includes payment objects bound to the user identification.
In some examples, the payment object includes a payment card and/or a payment account number.
In step S303, a payment request sent by the terminal device in response to the second input of the payment object list by the user is received.
The payment request includes payment information.
In some examples, the payment request further includes authentication authorization information.
In step S304, the payment is completed by interacting with the payment system according to the payment information.
The 5G message payment platform can send payment information to the payment system, the payment system determines payment amount and a payment card according to the payment information, and resources of the payment amount are deducted from the payment card to complete payment.
The specific contents of the steps S301 to S304 can refer to the related contents in the above embodiments, and are not described herein again.
In the embodiment of the application, the terminal device is triggered to send a payment order request to the 5G message payment platform through the 5G message application background system in response to the first input for applying the 5G message, and the 5G message payment platform feeds back a payment object list corresponding to the user identifier of the mobile phone number of the user to the 5G message application in the terminal device through the 5G message application background system in response to the payment order request. And the terminal equipment receives second input of the user to the payment object list to obtain payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system to complete payment according to the payment information, a payment interface of the 5G message application is established, and payment based on the 5G message application is realized.
In addition, in the payment method based on the 5G message application, the user can directly pay through the 5G message application, a link does not need to be clicked in the payment process, and the user does not need to jump to an H5 page for payment, so that the payment time is shortened, and the payment efficiency is improved. Moreover, the payment method based on the 5G message application defines the payment interface of the 5G message application, can unify the consistency of the payment process based on the 5G message application, improves the success rate of payment, is convenient for managing the payment process, and is simpler and more convenient for user operation.
In some embodiments, the payment system may also generate a payment result message after the payment system completes the payment. The 5G message payment platform may further receive a payment result message sent by the payment system, send the payment result message to the 5G message application of the terminal device, and send the payment result message to the 5G message application background system, and specific contents may refer to relevant descriptions in the above embodiments, which are not described herein again.
In order to obtain the payment object list from the 5G message payment platform, the user identifier and the corresponding payment card may be bound in advance so as to obtain the payment object list. Fig. 5 is a flowchart of a payment method based on a 5G message application according to another embodiment of the second aspect of the present application. Fig. 5 is different from fig. 4 in that the payment method based on the 5G message application shown in fig. 5 may further include step S305 and step S306.
In step S305, a payment object binding request sent by the 5G message application through the 5G message application back office system is received.
In step S306, the binding link is fed back to the 5G message application through the 5G message application background system.
The binding link indicates a binding card page of the 5G messaging payment platform that includes information prompting the user to enter a payment card identification.
In step S307, the card binding page is provided for the 5G message application.
The 5G message payment platform responds to the access of the 5G message application in the terminal equipment and provides a first card binding page for the 5G message application.
In step S308, the card binding submission message sent by the 5G message application is received.
The binding card submission message includes the user identification and the payment card identification entered by the user.
In step S309, a binding request message is sent to the payment system, so that the payment system binds the user identifier and the payment card indicated by the payment card identifier input by the user.
In step S310, a binding relationship between the user identifier sent by the payment system and the payment card indicated by the payment card identifier input by the user is received and stored.
The 5G message payment platform stores the binding relationship between the user identification and the payment card indicated by the payment card identification input by the user, so that the binding relationship between the user identification and the payment card is managed, and a payment object list is provided for the 5G message application in the terminal equipment in the payment process.
In step S311, the binding result is sent to the 5G message application and the 5G message application backend system.
And the binding result represents that the payment card indicated by the user identification and the payment card identification is successfully bound.
The specific contents of the steps S305 to S311 can refer to the related contents in the above embodiments, and are not described herein again.
For convenience of understanding, the following overall description is given by taking three scenes of payment, card binding input and card binding calling of payment application among the terminal device, the 5G message application background system, the 5G message payment platform and the payment system as examples. Wherein the terminal device has a 5G message application.
Fig. 6 is a flowchart of an example of a payment process based on a 5G message application according to an embodiment of the present application. As shown in fig. 6, the payment process may include steps S401 to S411.
In step S401, the 5G message application sends a payment order request to the 5G message application backend system in response to the first input.
In step S402, the 5G message application backend system sends a payment order request to the 5G message payment platform.
In step S403, the 5G message payment platform feeds back the payment object list to the 5G message application background system.
In step S404, the 5G message application backend system feeds back a list of payment objects to the 5G message application.
In step S405, the 5G message application receives a second input of the payment object list and a verification authorization input from the user, determines payment information and verification authorization information, and generates a payment request.
In step S406, the 5G message application sends a payment request to the 5G message payment platform.
In step S407, the 5G message payment platform sends payment information and verification authorization information to the payment system.
In step S408, the payment system performs authorization verification by using the verification authorization information, and in case of successful authorization verification, completes payment according to the payment information.
In step S409, the payment system sends a payment result message to the 5G message payment platform.
In step S410, the 5G message payment platform sends a payment result message to the 5G message application.
In step S411, the 5G message payment platform sends a payment result message to the 5G message application backend system.
For the details of the steps S401 to S411, reference may be made to the relevant description in the above embodiments, and details are not repeated herein.
Fig. 7 is a flowchart of an example of a card binding process based on a 5G message application according to an embodiment of the present application. The binding in this example is an input binding mode. As shown in fig. 7, the card binding process may include steps S501 to S514.
In step S501, in response to the third input, the 5G message application sends a payment object binding request to the 5G message application backend system.
In step S502, the 5G message application backend system sends a payment object binding request to the 5G message payment platform.
In step S503, the 5G message payment platform feeds back the binding link to the 5G message application background system.
In step S504, the 5G message application backend system feeds back the binding link to the 5G message application.
In step S505, in response to a fourth input of the binding link by the user, the 5G message application accesses a binding page provided by the 5G message payment platform.
In step S506, the 5G message payment platform applies feedback binding card input prompting information to the 5G message.
In step S507, the 5G message application receives the input of the payment card identifier and the input of the authorization confirmation of the user, and obtains the payment card identifier and the authorization confirmation information.
In step S508, the 5G message application sends a bind commit message to the 5G message payment platform. The bind card submission message may include a user identification, a payment card identification, and authorization confirmation information.
In step S509, the 5G message payment platform sends a binding request message to the payment system.
In step S510, in response to the binding request message, the payment system binds the user identifier and the payment card indicated by the payment card identifier input by the user.
In step S511, the payment system sends the binding result and the binding relationship between the user identifier and the payment card indicated by the payment card identifier input by the user to the 5G message payment platform.
In step S512, the 5G message payment platform stores the binding relationship.
In step S513, the 5G message payment platform sends the binding result to the 5G message application.
In step S514, the 5G message payment platform sends the binding result to the 5G message application background system.
The details of the steps S501 to S514 can refer to the related descriptions in the above embodiments, and are not repeated herein.
It should be noted that, in the embodiment of the present application, the acquisition, storage, use, processing, and the like of information and data are authorized by a user or a related organization, and meet related regulations of national laws and regulations.
A third aspect of the present application provides a terminal device. Fig. 8 is a schematic structural diagram of a terminal device according to an embodiment of the third aspect of the present application. As shown in fig. 8, the terminal device 700 may include a transmitting module 701 and a receiving module 702.
The sending module 701 is operable to send, in response to a first input of the 5G message application by the user, a payment order request to the 5G message payment platform through the 5G message application backend system invoked by the 5G message application. The payment order request includes a user identification, which is used to characterize the mobile phone number of the user.
The receiving module 702 may be configured to be invoked by the 5G message application to receive a payment object list fed back by the 5G message payment platform through the 5G message application backend system. The payment object list includes payment objects bound to the user identification. The 5G message payment platform stores the binding relationship between the user identification and the payment object.
In some examples, the payment object includes a payment card and/or a payment account number.
The sending module 701 may further be configured to, in response to a second input of the user to the payment object list, be called by the 5G message application to send a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system according to the payment information to complete payment. The payment request includes payment information.
In some examples, the payment request further includes authentication authorization information.
In the embodiment of the application, the terminal device is triggered to send a payment order request to the 5G message payment platform through the 5G message application background system in response to the first input for applying the 5G message, and the 5G message payment platform feeds back a payment object list corresponding to the user identifier of the mobile phone number of the user to the 5G message application in the terminal device through the 5G message application background system in response to the payment order request. And the terminal equipment receives second input of the user to the payment object list to obtain payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system to complete payment according to the payment information, a payment interface of the 5G message application is established, and payment based on the 5G message application is realized.
In addition, in the payment method based on the 5G message application, the user can directly pay through the 5G message application, a link does not need to be clicked in the payment process, and the user does not need to jump to an H5 page for payment, so that the payment time is shortened, and the payment efficiency is improved. In addition, the payment method based on the 5G message application defines the payment interface of the 5G message application, can unify the consistency of the payment process based on the 5G message application, improves the success rate of payment, is convenient for managing the payment process, and is simpler and more convenient for user operation.
In some embodiments, the receiving module 702 may be configured to be invoked by a 5G message application to receive a payment result message sent by a payment system through a 5G message payment platform.
In some embodiments, the sending module 701 is further operable to send, by the 5G messaging application invocation, a payment object binding request to the 5G messaging payment platform through the 5G messaging application backend system in response to a third input by the user to the 5G messaging application.
The receiving module 702 may further be configured to be invoked by the 5G message application to receive a binding link fed back by the 5G message payment platform through the 5G message application background system.
The binding connection indicates a binding card page of the 5G messaging payment platform that includes information prompting the user to enter a payment card identification.
The sending module 701 and the receiving module 702 may be further configured to be invoked by the 5G message application to access the binding page in response to a fourth input by the user to the binding link.
The sending module 701 may be configured to be invoked by a 5G message application to send a bind card submission message to a 5G message payment platform, so that the 5G message payment platform sends a bind request message to the payment system. The binding card submission message and the binding request message include the user identification and the payment card identification entered by the user.
The receiving module 702 may be configured to be invoked by the 5G message application to receive the binding result sent by the 5G message payment platform. And the binding result represents that the user identification and the payment card indicated by the payment card identification input by the user are successfully bound.
The fourth aspect of the present application provides a payment device based on a 5G message application, which is applied to a 5G message payment platform. The 5G message payment platform stores the binding relationship between the user identification and the payment object. Fig. 9 is a schematic structural diagram of a payment apparatus based on a 5G message application according to an embodiment of a fourth aspect of the present application. As shown in fig. 9, the payment apparatus 800 based on the 5G message application may include a receiving module 801 and a transmitting module 802.
The receiving module 801 may be configured to receive a payment order request sent by a 5G message application of a terminal device through a 5G message application background system. The payment order request is generated by the terminal device in response to a first input applied by the user to the 5G message, including the user identification. The user identification is used for representing the mobile phone number of the user.
The sending module 802 may be configured to feed back the list of payment objects to the 5G message application through the 5G message application backend system. The payment object list includes payment objects bound to the user identification.
In some examples, the payment object includes a payment card and/or a payment account number.
The receiving module 801 may be further configured to receive a payment request sent by the terminal device in response to a second input of the payment object list by the user. The payment request includes payment information.
In some examples, the payment request further includes authentication authorization information.
The sending module 802 may also be configured to interact with a payment system to complete payment according to the payment information.
In the embodiment of the application, the terminal device is triggered to send a payment order request to the 5G message payment platform through the 5G message application background system in response to the first input for applying the 5G message, and the 5G message payment platform feeds back a payment object list corresponding to the user identifier of the mobile phone number of the user to the 5G message application in the terminal device through the 5G message application background system in response to the payment order request. And the terminal equipment receives second input of the user to the payment object list to obtain payment information, and sends a payment request to the 5G message payment platform, so that the 5G message payment platform interacts with the payment system to complete payment according to the payment information, a payment interface of the 5G message application is established, and payment based on the 5G message application is realized.
In addition, in the payment method based on the 5G message application, the user can directly pay through the 5G message application, and does not need to click a link or jump to an H5 page to pay in the payment process, so that the payment time is shortened, and the payment efficiency is improved. Moreover, the payment method based on the 5G message application defines the payment interface of the 5G message application, can unify the consistency of the payment process based on the 5G message application, improves the success rate of payment, is convenient for managing the payment process, and is simpler and more convenient for user operation.
In some embodiments, the receiving module 801 may also be used to receive payment result messages sent by the payment system.
The sending module 802 may also be configured to send a payment result message to a 5G message application of the terminal device, and to send the payment result message to a 5G message application background system.
In some embodiments, the receiving module 801 may also be configured to receive a payment object binding request sent by the 5G message application through the 5G message application backend system.
The sending module 802 may also be configured to apply feedback of the binding link to the 5G message through the 5G message application backend system. The binding link indicates a binding card page of the 5G messaging payment platform that includes information prompting the user to enter a payment card identification.
The sending module 802 may also be configured to provide a first binding page for a 5G messaging application.
The receiving module 801 may also be used to receive a card bind submission message sent by the 5G messaging application. The binding card submission message includes the user identification and the payment card identification entered by the user.
The sending module 802 may also be configured to send a binding request message to the payment system, so that the payment system binds the user identifier and the payment card indicated by the payment card identifier input by the user.
The receiving module 801 may further be configured to receive a binding relationship between the user identifier sent by the payment system and a payment card indicated by the payment card identifier input by the user.
The storage module can be used for storing the binding relationship between the user identification and the payment card indicated by the payment card identification input by the user.
The sending module 802 may also be configured to send the binding result to the 5G message application and the 5G message application backend system. And the binding result represents that the payment card indicated by the user identification and the payment card identification is successfully bound.
The fifth aspect of the present application further provides a terminal device. Fig. 10 is a schematic structural diagram of a terminal device according to an embodiment of the fifth aspect of the present application. As shown in fig. 10, the terminal device 900 comprises a memory 901, a processor 902 and a computer program stored on the memory 901 and executable on the processor 902.
In one example, the processor 902 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present Application.
Memory 901 may include Read-Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash Memory devices, electrical, optical, or other physical/tangible Memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform the operations described with reference to the 5G message application-based payment method in embodiments according to the first aspect of the present application.
The processor 902 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 901, for implementing the payment method based on the 5G message application in the embodiment of the first aspect described above.
In one example, terminal device 900 can also include a communication interface 903 and a bus 904. As shown in fig. 10, the memory 901, the processor 902, and the communication interface 903 are connected via a bus 904 to complete communication therebetween.
The communication interface 903 is mainly used for implementing communication between modules, apparatuses, units and/or devices in this embodiment of the application. Input devices and/or output devices are also accessible through communication interface 903.
The bus 904 may include hardware, software, or both to couple the components of the terminal apparatus 900 to one another. By way of example and not limitation, bus 904 may include an Accelerated Graphics Port (AGP) or other Graphics Bus, an Enhanced Industrial Standard Architecture (EISA) Bus, a Front Side Bus (Front Side Bus, FSB), a HyperTransport (HT) Interconnect, an Industrial Standard Architecture (ISA) Bus, an infiniband Interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a MicroChannel Architecture (MCA) Bus, a Peripheral Component Interconnect (PCI) Bus, a PCI-Express (PCI-E) Bus, a Serial Advanced Technology Attachment (Serial Advanced Technology Attachment, bus), a Video Electronics Standard Local area Electronics (SATA) Association, a vlsecurity Association, or a combination of two or more of these buses, as appropriate. Bus 904 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the present application, any suitable buses or interconnects are contemplated by the present application.
The sixth aspect of the present application also provides an electronic device. Fig. 11 is a schematic structural diagram of an electronic device according to an embodiment of a sixth aspect of the present application. As shown in fig. 11, the electronic device 1000 comprises a memory 1001, a processor 1002, and a computer program stored on the memory 1001 and executable on the processor 1002.
In one example, the processor 1002 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present Application.
Memory 1001 may include Read-Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash Memory devices, electrical, optical, or other physical/tangible Memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform the operations described with reference to the 5G message application-based payment method in embodiments in accordance with the second aspect of the present application.
The processor 1002 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 1001 for implementing the payment method based on the 5G message application in the embodiment of the second aspect described above.
In one example, electronic device 1000 may also include a communication interface 1003 and a bus 1004. As shown in fig. 11, the memory 1001, the processor 1002, and the communication interface 1003 are connected to each other via a bus 1004 to complete communication therebetween.
The communication interface 1003 is mainly used to implement communication between each module, apparatus, unit and/or device in this embodiment. Input devices and/or output devices may also be accessed through communication interface 1003.
The bus 1004 includes hardware, software, or both to couple the components of the electronic device 1000 to one another. By way of example, and not limitation, the bus 1004 may include an AGP or other graphics bus, an EISA bus, an FSB, an HT interconnect, an ISA bus, an infiniband interconnect, an LPC bus, a memory bus, an MCA bus, a PCI-E bus, a SATA bus, a VLB bus, or other suitable bus, or a combination of two or more of these. Bus 1004 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.
A seventh aspect of the present application provides a payment system based on a 5G message application, where the payment system may include the terminal device and the 5G message payment platform in the foregoing embodiments. The terminal device may perform the above-described payment method based on the 5G message application of the first aspect. The 5G message payment platform may perform the 5G message application-based payment method of the second aspect described above. For specific contents of the terminal device, the 5G message payment platform, and the payment method based on the 5G message application executed by each terminal device, reference may be made to relevant descriptions in the foregoing embodiments, and details are not repeated here.
In some embodiments, the payment system based on the 5G message application may further include a 5G message application background system and/or a payment system in the above embodiments, and specific contents may refer to relevant descriptions in the above embodiments, and are not described herein again.
An eighth aspect of the present application further provides a computer-readable storage medium, where computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the payment method based on the 5G message application in the first aspect embodiment or the payment method based on the 5G message application in the second aspect embodiment may be implemented, and the same technical effect may be achieved, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may include a non-transitory computer-readable storage medium, such as a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and is not limited herein.
The present application may also provide a computer program product, where when the instruction in the computer program product is executed by a processor of the electronic device and/or the terminal device, the electronic device and/or the terminal device may execute the payment method based on the 5G message application in the first aspect embodiment or the payment method based on the 5G message application in the second aspect embodiment, and may achieve the same technical effect, and in order to avoid repetition, details are not repeated here.
It should be clear that the embodiments in this specification are described in a progressive manner, and the same or similar parts between the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. For terminal device embodiments, apparatus embodiments, electronic device embodiments, system embodiments, computer-readable storage medium embodiments, computer program product embodiments, reference may be made to the description of the method embodiments for their relevance. The present application is not limited to the particular steps and structures described above and shown in the drawings. Those skilled in the art may make various changes, modifications and additions or change the order between the steps after appreciating the spirit of the present application. Also, a detailed description of known process techniques is omitted herein for the sake of brevity.
Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, implement the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware for performing the specified functions or acts, or combinations of special purpose hardware and computer instructions.
It should be understood by those skilled in the art that the above embodiments are illustrative and not restrictive. Different features which are present in different embodiments may be combined to advantage. Other variations to the disclosed embodiments can be understood and effected by those skilled in the art upon studying the drawings, the specification, and the claims. In the claims, the term "comprising" does not exclude other means or steps; the word "a" or "an" does not exclude a plurality; the terms "first" and "second" are used to denote a name and not to denote any particular order. Any reference signs in the claims shall not be construed as limiting the scope. The functions of the various parts appearing in the claims may be implemented by a single hardware or software module. The mere fact that certain measures are recited in mutually different dependent claims does not indicate that a combination of these measures cannot be used to advantage.

Claims (18)

1. A payment method based on a 5G message application is applied to a terminal device, the terminal device is provided with the 5G message application, and the method comprises the following steps:
responding to a first input of a user to the 5G message application, and sending a payment order request to a 5G message payment platform by the 5G message application through a 5G message application background system, wherein the payment order request comprises a user identifier, and the user identifier is used for representing a mobile phone number of the user;
receiving, by the 5G message application through a 5G message application background system, a payment object list fed back by the 5G message payment platform, where the payment object list includes a payment object bound to the user identifier, and the 5G message payment platform stores a binding relationship between the user identifier and the payment object;
and responding to a second input of the user to the payment object list, and sending a payment request to a 5G message payment platform by the 5G message application, wherein the payment request comprises payment information, so that the 5G message payment platform interacts with a payment system according to the payment information to complete payment.
2. The method of claim 1, wherein the payment object comprises a payment card and/or a payment account number.
3. The method of claim 1, wherein the payment request further comprises authentication authorization information.
4. The method of claim 1, further comprising:
and receiving a payment result message sent by the payment system through the 5G message payment platform by the 5G message application.
5. The method of claim 1, further comprising:
in response to a third input to the 5G message application by the user, sending, by the 5G message application, a payment object binding request to the 5G message payment platform through the 5G message application backend system;
receiving, by the 5G message application, a binding link fed back by the 5G message payment platform through the 5G message application background system, where the binding link indicates a binding card page of the 5G message payment platform, and the binding card page includes information prompting the user to input a payment card identifier;
accessing, by the 5G message application, the bound card page in response to a fourth input by the user to the bound link;
sending, by the 5G message application, a binding card submission message to the 5G message payment platform, so that the 5G message payment platform sends a binding request message to the payment system, the payment system binds the user identifier and a payment card indicated by a payment card identifier input by a user, and the binding card submission message and the binding request message include the user identifier and the payment card identifier input by the user.
6. The method of claim 5, further comprising, after the sending, by the 5G message application, a card bind submit message to the 5G message payment platform:
and receiving a binding result sent by the 5G message payment platform by the 5G message application, wherein the binding result represents that the user identification and the payment card indicated by the payment card identification input by the user are successfully bound.
7. The payment method based on the 5G message application is applied to a 5G message payment platform, wherein the 5G message payment platform stores a binding relationship between a user identifier and a payment object, and the method comprises the following steps:
receiving a payment order request sent by a 5G message application of a terminal device through a 5G message application background system, wherein the payment order request is generated by the terminal device in response to a first input of a user to the 5G message application and comprises a user identifier, and the user identifier is used for representing a mobile phone number of the user;
feeding back a payment object list to the 5G message application through the 5G message application background system, wherein the payment object list comprises the payment objects bound with the user identification;
receiving a payment request sent by the terminal equipment in response to a second input of the user to the payment object list, wherein the payment request comprises payment information;
and interacting with a payment system according to the payment information to finish payment.
8. The method of claim 7, wherein the payment object comprises a payment card and/or a payment account number.
9. The method of claim 7, wherein the payment request further comprises authentication authorization information.
10. The method of claim 7, further comprising:
receiving a payment result message sent by the payment system;
sending the payment result message to the 5G message application of the terminal device;
and sending the payment result message to the 5G message application background system.
11. The method of claim 7, further comprising:
receiving a payment object binding request sent by the 5G message application through the 5G message application background system;
feeding back, by the 5G message application back-end system, a binding link to the 5G message application, the binding link indicating a binding card page of the 5G message payment platform, the binding card page including information prompting the user to input a payment card identification,
providing the card binding page for the 5G message application;
receiving a card binding submission message sent by the 5G message application, wherein the card binding submission message comprises the user identification and a payment card identification input by a user;
sending a binding request message to the payment system so as to enable the payment system to bind the user identification and a payment card indicated by the payment card identification input by the user;
and receiving and storing the binding relationship between the user identification sent by the payment system and the payment card indicated by the payment card identification input by the user.
12. The method of claim 11, further comprising, after the receiving and storing the binding relationship between the user identifier sent by the payment system and the payment card indicated by the payment card identifier input by the user, the following steps:
and sending a binding result to the 5G message application and the 5G message application background system, wherein the binding result represents that the binding of the user identifier and the payment card indicated by the payment card identifier is successful.
13. A terminal device, characterized in that the terminal device has a 5G message application, the terminal device comprising:
the sending module is used for responding to a first input of a user to the 5G message application, calling a payment order request to a 5G message payment platform through a 5G message application background system by the 5G message application, wherein the payment order request comprises a user identifier, and the user identifier is used for representing a mobile phone number of the user;
the receiving module is used for being called by the 5G message application and receiving a payment object list fed back by the 5G message payment platform through a 5G message application background system, the payment object list comprises a payment object bound with the user identifier, and the 5G message payment platform stores the binding relationship between the user identifier and the payment object;
the sending module is further configured to respond to a second input of the user to the payment object list, and send a payment request to a 5G message payment platform by being called by the 5G message application, where the payment request includes payment information, so that the 5G message payment platform interacts with a payment system according to the payment information to complete payment.
14. A payment device based on 5G message application is applied to a 5G message payment platform, wherein the 5G message payment platform stores a binding relationship between a user identifier and a payment object, and the device comprises:
the system comprises a receiving module, a payment module and a processing module, wherein the receiving module is used for receiving a payment order request sent by a 5G message application of a terminal device through a 5G message application background system, the payment order request is generated by the terminal device in response to a first input of a user to the 5G message application, and comprises a user identifier, and the user identifier is used for representing a mobile phone number of the user;
a sending module, configured to feed back a payment object list to the 5G message application through the 5G message application background system, where the payment object list includes the payment object bound to the user identifier;
the receiving module is further configured to receive a payment request sent by the terminal device in response to a second input of the user to the payment object list, where the payment request includes payment information;
and the sending module is also used for interacting with a payment system according to the payment information to finish payment.
15. A terminal device, comprising: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements a 5G messaging application based payment method as claimed in any one of claims 1 to 6.
16. An electronic device, comprising: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements a 5G messaging application based payment method as claimed in any one of claims 7 to 12.
17. A payment system based on a 5G messaging application, comprising:
a terminal device for performing the 5G message application based payment method according to any one of claims 1 to 6;
a 5G message payment platform for performing a 5G message application based payment method according to any of claims 7 to 12.
18. A computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement a 5G messaging application based payment method according to any one of claims 1 to 12.
CN202210847546.5A 2022-07-19 2022-07-19 Payment method, device, equipment, system and medium based on 5G message application Pending CN115310958A (en)

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TW112101634A TW202405714A (en) 2022-07-19 2023-01-13 Payment method, apparatus and system based on 5G messaging application, and device and medium
PCT/CN2023/072804 WO2024016619A1 (en) 2022-07-19 2023-01-18 Payment method, apparatus and system based on 5g messaging application, and device and medium

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WO2024016619A1 (en) * 2022-07-19 2024-01-25 中国银联股份有限公司 Payment method, apparatus and system based on 5g messaging application, and device and medium

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US10127544B2 (en) * 2014-12-16 2018-11-13 Facebook, Inc. Sending and receiving payments using a message system
CN112288429B (en) * 2020-10-23 2023-12-12 中国银联股份有限公司 Transaction method, terminal device, payment system, merchant system and storage medium
CN112967050A (en) * 2021-02-25 2021-06-15 中国银联股份有限公司 Payment method and device
CN113450098A (en) * 2021-07-14 2021-09-28 中国银行股份有限公司 Payment transaction processing method and device, storage medium and electronic equipment
CN115170117B (en) * 2022-05-09 2024-03-19 中移互联网有限公司 5G message payment method, system, device and computer readable storage medium
CN115310958A (en) * 2022-07-19 2022-11-08 中国银联股份有限公司 Payment method, device, equipment, system and medium based on 5G message application

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WO2024016619A1 (en) * 2022-07-19 2024-01-25 中国银联股份有限公司 Payment method, apparatus and system based on 5g messaging application, and device and medium

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