CN115730930A - 5G message-based application external payment method and device - Google Patents
5G message-based application external payment method and device Download PDFInfo
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- CN115730930A CN115730930A CN202211515080.5A CN202211515080A CN115730930A CN 115730930 A CN115730930 A CN 115730930A CN 202211515080 A CN202211515080 A CN 202211515080A CN 115730930 A CN115730930 A CN 115730930A
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Abstract
The invention provides a 5G message-based payment method and a device outside an application, wherein a 5G message application background applies for a 5G message payment platform to generate a payment order, the 5G message payment platform applies for a payment system to generate the payment order and returns a payment link to the 5G message application background, a user clicks the payment link in the 5G message application, jumps to a 5G message payment platform payment page, and invokes a payment application from the payment page and completes payment. The method has the advantages that a 5G message payment platform is added, a unified interface is provided for the merchant chatbot chat robot by aggregating multiple payment modes, the merchant access flow is simplified, and the payment experience of a user is improved.
Description
Technical Field
The invention relates to the field of communication, in particular to an external application payment method and device based on 5G messages.
Background
The 5G message is an upgrade of the traditional short message and provides a message service with multimedia and interactive capabilities. At present, when the 5G message is used for payment, payment is usually carried out by calling a third party payment APP, and due to the fact that the third party payment APP lacks of unified interface specifications, interfaces provided by different third party payment APP service providers are different, and therefore the access cost of merchants is greatly increased.
Specifically, the method implemented by the prior art is as follows: when the third-party payment APP is called for payment, the merchant pushes payment links of different payment APPs for the user through chatbot (chat robot), the payment links are displayed for the user (payer) in a card mode, the user selects a payment mode through the card, the 5G message application opens a webpage, and the webpage jumps to call the third-party payment webpage or the APP to finish payment.
Therefore, the payment process in the prior art encounters the problem that the mode of the merchant accessing the third party payment APP is not uniform. Therefore, how to provide an out-of-application payment method capable of unifying interfaces based on 5G messages becomes an urgent problem to be solved.
Disclosure of Invention
The invention provides an external application payment method based on 5G messages, and a 5G message payment platform is added to solve the problem that in the prior art, when payment is carried out through the 5G messages, modes of merchants accessing third-party payment APPs are not uniform.
In order to achieve the above object, the technical solution of the present invention provides a 5G message-based out-of-application payment method, including:
the 5G message application background receives payment order request information sent from a client 5G message application and sends the payment order request information to a 5G message payment platform;
the 5G message payment platform performs data processing on the items in the payment order requesting information and feeds payment prompt information obtained after data processing back to the 5G message application background;
after the client selects a payment mode according to the received payment prompt information, the 5G message application background sends a payment order request message to the 5G message payment platform, the 5G message payment platform recombines the payment order request message according to the interface specification of a payment system, and the recombined payment order request message is sent to the payment system to initiate a user payment process. After the user finishes payment, the payment system synchronously informs a payment result to the 5G message payment platform and the payment application, the 5G message payment platform informs the payment result to the 5G message application background, and the 5G message application platform informs the payment result to the 5G message application.
Preferably, as a preferred aspect of the foregoing technical solution, the 5G message payment platform performs data processing on the item in the payment order request information, and feeds back payment prompt information obtained after the data processing to the 5G message application background, including:
the 5G message payment platform records the payment request and all data in the payment order request information, wherein the payment order request information at least comprises the following data: trade name, amount, merchant number;
and the 5G message payment platform sends a plurality of supported payment modes to the 5G message application background.
Preferably, as a preferred aspect of the above technical solution, the payment order request message includes: order information and the payment method selected by the user.
Preferably, as a preferred aspect of the above technical solution, the sending of the recombined payment order request message to the payment system to initiate a user payment process includes: the recombined payment order solving message is converted into payment prompt information, and the payment prompt information is sent to the 5G message application and then a user payment process is initiated; and if the message application of 5G does not receive the payment prompt message within the specified time, the 5G message application informs the 5G message application background to send the payment prompt message again.
Preferably, the payment process includes: the payment system sends orders and payment information to a 5G message application background through the 5G message payment platform, the 5G message application invokes corresponding payment application according to a previously selected payment mode, and the payment system executes payment actions after verifying the payment application.
The invention also provides a 5G message-based external application payment device, which comprises: the system comprises a terminal provided with a payment application and a 5G message application, a 5G message application background deployed with a 5G bank and/or a 5G mall, an acceptance service party and a payment mechanism.
The terminal is used for sending the payment order request information to the 5G message application platform;
the 5G message application background is used for sending the payment order request message received from the terminal to the 5G message payment platform;
the acceptance service party is provided with a 5G message payment platform and is used for carrying out data processing on items in the payment order request information sent by the 5G message application platform and feeding back payment prompt information obtained after data processing to the 5G message application background; used for recombining the payment order request message according to the interface specification of a payment system in a payment mechanism, sending the recombined payment order request message to the payment system to initiate a user payment process,
and the payment system in the payment mechanism is used for executing a payment process and informing the 5G message payment platform and the 5G message application background of a payment result.
Preferably, as a preferred aspect of the foregoing technical solution, the 5G message payment platform is configured to record the payment request and all data in the payment order request information, where the payment order request information at least includes: trade name, amount, merchant number. The 5G message payment platform is further used for sending the supported payment modes to the 5G message application background.
Preferably, as an optimization of the above technical solution, the payment system is configured to send the order and the payment information to the 5G message payment platform and then to the 5G message application background, the 5G message application background invokes the corresponding payment application according to a payment method selected by the terminal before, and the payment system performs a payment action after verifying the payment application.
The technical scheme of the invention provides an external application payment method and device based on 5G messages, wherein a 5G message application background applies for a 5G message payment platform to generate a payment order, the 5G message payment platform applies for a payment system to generate the payment order and returns a payment link to the 5G message application background, a user clicks the payment link in the 5G message application to jump to a 5G message payment platform payment page, and the payment page invokes a payment application and completes payment.
The invention has the advantages that a unified interface is provided for the merchant chatbot chat robot by aggregating a plurality of payment modes, the access flow of the merchant is simplified, and the payment experience of a user is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and it is also possible for those skilled in the art to obtain other drawings based on the drawings without creative efforts.
Fig. 1 is a first flowchart provided in an embodiment of the present invention.
Fig. 2 is a second flowchart provided in the embodiment of the present invention.
Fig. 3 is a schematic structural diagram provided in the embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some embodiments of the present invention, but not all embodiments. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.
As referred to in the present invention: the 5G message service is a message service which supports rich media formats and has the characteristics of standardization, multimedia and light weight; the 5G message application is an application program based on a 5G message service and running on the mobile equipment; the 5G message out-of-application payment is a payment process executed and completed outside the 5G message application; the 5G message payment platform provides a uniform payment interface for 5G message application by aggregating a plurality of payment modes.
The process of the invention is summarized first:
and the 5G message application sends the payment order request information to a 5G message application platform. And after receiving the information of the payment order request, the 5G message application background sends the information to the 5G message payment platform. And the 5G message payment platform records the payment request and the data in the information of the payment order request, generates payment prompt information and sends the payment prompt information to the 5G message application background. After the client receives the payment prompt information and selects the payment mode, the 5G message application background sends the payment order request message to the 5G message payment platform, the 5G message payment platform recombines the payment order request message according to the interface specification of the payment system, and the recombined payment order request message is sent to the payment system. And the payment system generates payment information according to the recombined message, sends the order and the payment information to the 5G message application background through the 5G message payment platform, invokes the corresponding payment application according to the previously selected payment mode, and executes payment action after verifying the payment application. And after the user finishes payment, the payment system synchronously informs the payment result to the 5G message payment platform and the 5G message application background.
The technical solution of the present invention will now be described with reference to specific embodiments, as shown in fig. 1, fig. 1 is a schematic flow chart provided by the embodiments of the present invention:
step S1.1, the user sends a payment order request through the 5G messaging application.
And S1.2, the 5G message application background sends the payment order request information to the 5G message payment platform.
The order request information includes: trade name, amount, merchant number, and other information related to the order;
and S2.1, the 5G message payment platform sends payment prompt information. The payment prompt message includes: and the 5G message payment platform stores supported payment modes such as cloud flash payment, mobile phone PAY and the like.
And S2.2, the 5G message application background sends payment prompt information to the user.
In this step, if the 5G message application does not receive the payment prompt message within the specified time, the 5G message application notifies the 5G message application background to send the payment prompt message again.
And S3, selecting a payment mode by the user according to the payment prompt information.
And S4, the 5G message application sends a payment order request to the 5G message application background.
After the user selects the payment mode, the 5G message application of the user side sends a payment order request to the 5G message application background of the merchant.
And S5, the 5G message application background initiates a payment order request to the 5G message payment platform.
The payment order request comprises order information and a payment mode selected by a user.
And S6, the 5G message payment platform judges the payment type and initiates a payment request to a corresponding payment system. The payment request comprises order information and a payment mode selected by a user.
And S7.1, the payment system generates payment information according to the payment request.
And S7.2, the payment system returns order information and payment information to the 5G message payment platform.
And S8, the 5G message payment platform returns the order information and the payment information to the 5G message application background.
And S9, the 5G message application background sends the order information and the payment information to the 5G message application.
In this step, if the 5G application message does not receive the order information and the payment information within the specified time, the 5G message application notifies the 5G message application background to send the order information and the payment information again.
And step S10, the 5G message application calls the payment application selected by the user.
Step S11, the payment application initiates a payment request to the payment system.
And S12.1, the payment system verifies information such as payment parameters, application authority and the like.
And step S12.2, the payment system completes verification and returns to obtain authorization.
In this step, if the payment application of the user side does not receive the information for obtaining the user authorization within the specified time, the payment application notifies the payment system to send the information for obtaining the user authorization again.
And S13, the user confirms the authorization.
If the payment application at the user side does not receive the user confirmation authorization information within the specified time, the payment application notifies the user to authorize again (step S12.1 is repeated).
And S14, submitting the user confirmation authorization information to the payment system by the payment application.
And S15.1, the payment system verifies the authorization information.
And S15.2, the payment system sends the payment result to the payment application.
In this step, if the payment application of the client does not receive the payment result within the specified time, the payment application notifies the payment system to send the payment result again.
And S15.3, the payment system sends the payment result to the 5G message payment platform.
S16.1, the 5G message payment platform feeds back the payment result to the 5G message application background,
and S16.2, feeding back the payment result to the 5G message application by the 5G message application background.
In this step, if the 5G application message does not receive the payment result within the specified time, the 5G message notifies the 5G message application background to send the payment result again.
For better explaining the technical scheme of the invention, the invention is now explained by combining with a specific use scenario, and it is assumed that the payment mode of cloud flash payment or hua Pay is supported in the embodiment, but other payment modes can be used in practical use:
step a, the user generates a public payment order (such as a water fee order) in the 5G message public payment application.
And b, the 5G message public payment application sends a payment order request to a 5G message public payment application background.
And c, the 5G message public payment application background initiates a payment order request to the Unionpay 5G message aggregation cashier desk.
And d, the Unionpay 5G message aggregation cashier desk returns payment page information to the 5G message public payment application background.
And e, the 5G message public payment application background returns payment page information to the 5G message public payment application.
And f, selecting cloud flash payment or paying as Pay on a payment page (displaying payment options according to the payment page information) on the user terminal by the user.
And step G, the 5G message public payment application of the user side sends a payment order request to the 5G message public payment application background.
And h, the 5G message public payment application background initiates a payment order request to the Unionpay 5G message aggregation cashier desk.
And step i, the Unionpay 5G message aggregation cashier desk judges the payment type according to the payment order request and initiates a payment request to the Unionpay payment system.
And j, generating payment information by the Unionpay payment system.
And step k, the Unionpay payment system returns order information and payment information to the Unionpay 5G message aggregation cashier desk.
And step l, the Unionpay 5G message aggregation cashier desk returns order information and payment information to the 5G message public payment application background, and the 5G message public payment application background returns the order information and the payment information to the 5G message public payment application.
And step m, the 5G message public payment application calls a cloud flash payment or Pay payment control according to the order information and the payment information.
And n, prompting the user to acquire identity authentication information by using a payment application cloud flash payment or Pay payment control, and submitting the identity authentication information to a Unionpay payment system.
And step o, the Unionpay payment system completes verification and returns a payment result to the payment application (cloud flash payment or Pay).
And p, the Unionpay 5G message aggregation cashier desk informs the 5G message public payment application background of the payment result.
And step q, the 5G message public payment application background synchronizes the payment result to the 5G message public payment application.
As shown in fig. 3, the present invention further provides an out-of-application payment apparatus based on 5G message, which includes: the payment system comprises a terminal A provided with a payment application 101 and a 5G message application 102, a 5G message application background B of a 5G bank and/or a 5G mall, an acceptance service party C and a payment mechanism D.
Terminal a is configured to send information requesting a payment order to the 5G messaging application 102 platform.
The 5G message application background B is configured to send the payment order request message received from the terminal a to the 5G message payment platform 103.
The acceptance service party C is provided with a 5G message payment platform 103 which is used for carrying out data processing on items in the payment order request information sent by the 5G message application 102 and feeding back payment prompt information obtained after the data processing to a 5G message application background B; and is further configured to recombine the payment order request message according to the interface specification of the payment system 104 in the payment mechanism D, and send the recombined message to the payment system to initiate a user payment process.
And the payment system 104 in the payment mechanism D is configured to execute a payment process and notify the 5G message payment platform and the 5G message application background of a payment result. The payment system is used for sending the order and the payment information to the 5G message payment platform and then sending the order and the payment information to the 5G message application background, the 5G message application background calls up the corresponding payment application 101 according to the payment mode selected by the terminal A before, and the payment system executes payment action after verifying the payment application 101.
The 5G message payment platform 103 is further configured to record all data in the payment request and the payment order request information, where the payment order request information at least includes: trade name, amount, merchant number. The 5G message payment platform 103 is further configured to send the supported payment methods to the 5G message application background B.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (8)
1. A method for 5G message-based out-of-application payment, the method comprising:
the 5G message application background receives payment order request information sent from a client 5G message application and sends the payment order request information to a 5G message payment platform;
the 5G message payment platform performs data processing on items in the payment order requesting information and feeds back payment prompt information obtained after data processing to the 5G message application background;
after the client selects a payment mode according to the received payment prompt information, the 5G message application background sends a payment order request message to the 5G message payment platform, the 5G message payment platform recombines the payment order request message according to the interface specification of a payment system, and the recombined payment order request message is sent to the payment system to initiate a user payment process;
after the user finishes payment, the payment system synchronously informs a payment result to the 5G message payment platform and the payment application, the 5G message payment platform informs the payment result to the 5G message application background, and the 5G message application platform informs the payment result to the 5G message application.
2. The method according to claim 1, wherein the 5G message payment platform performs data processing on the items in the payment order request information, and feeds back payment prompt information obtained after the data processing to the 5G message application background, including:
the 5G message payment platform records the payment request and all data in the payment order request information, wherein the payment order request information at least comprises the following data: trade name, amount, merchant number;
and the 5G message payment platform sends a plurality of supported payment modes to the 5G message application background.
3. The method of claim 1, wherein the payment order request message comprises: order information and the payment method selected by the user.
4. The method of claim 1, wherein sending the reassembled payment order request message to the payment system to initiate a user payment process comprises:
the recombined payment order solving message is converted into payment prompt information, and the payment prompt information is sent to the 5G message application to initiate a user payment process; and if the message application of 5G does not receive the payment prompt message within the specified time, the 5G message application informs the 5G message application background to send the payment prompt message again.
5. The method of claim 1, wherein the payment process comprises: the payment system sends orders and payment information to a 5G message application background through the 5G message payment platform, the 5G message application invokes corresponding payment application according to a previously selected payment mode, and the payment system executes payment actions after verifying the payment application.
6. An out-of-app payment apparatus based on 5G messages, comprising: the system comprises a terminal provided with a payment application and a 5G message application, a 5G message application background deployed with a 5G bank and/or a 5G mall, an acceptance service party and a payment mechanism;
the terminal is used for sending the payment order request information to the 5G message application platform;
the 5G message application background is used for sending the payment order request message received from the terminal to the 5G message payment platform;
the acceptance service party is provided with a 5G message payment platform which is used for carrying out data processing on items in the payment order request information sent by the 5G message application background and feeding back payment prompt information obtained after data processing to the 5G message application background; the payment order request message is recombined according to the interface specification of a payment system in a payment mechanism, and the recombined payment order request message is sent to the payment system to initiate a user payment process;
and the payment system in the payment mechanism is used for executing a payment process and informing the 5G message payment platform and the 5G message application background of a payment result.
7. The apparatus of claim 6, comprising:
the 5G message payment platform is used for recording the payment request and all data in the payment order request information, wherein the payment order request information at least comprises: trade name, amount, merchant number;
and the 5G message payment platform is also used for sending a plurality of supported payment modes to the 5G message application background.
8. The apparatus of claim 6, further comprising:
the payment system is used for sending the order and the payment information to the 5G message payment platform and then sending the order and the payment information to the 5G message application background, the 5G message application background invokes the corresponding payment application according to the payment mode selected by the terminal before, and the payment system executes payment action after verifying the payment application.
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| CN202211515080.5A CN115730930A (en) | 2022-11-30 | 2022-11-30 | 5G message-based application external payment method and device |
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| CN202211515080.5A CN115730930A (en) | 2022-11-30 | 2022-11-30 | 5G message-based application external payment method and device |
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