CN115760121A - Payment processing method and device - Google Patents
Payment processing method and device Download PDFInfo
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- CN115760121A CN115760121A CN202211529134.3A CN202211529134A CN115760121A CN 115760121 A CN115760121 A CN 115760121A CN 202211529134 A CN202211529134 A CN 202211529134A CN 115760121 A CN115760121 A CN 115760121A
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Abstract
The invention provides a payment processing method and a payment processing device, wherein the method comprises the following steps: receiving a transaction payment instruction; wherein the transaction payment instructions include at least one digital signature of the customer; determining payment account information corresponding to each digital signature according to at least one digital signature; and determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature. The account which the customer wants to use for payment is determined through the digital signature provided by the customer, and compared with the multi-time card swiping verification in the prior art, the customer can complete large-amount payment only by providing the digital signatures of a plurality of accounts, so that the operation is simple, and the user experience is improved.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a payment processing method and device.
Background
In the prior art, a bank first establishes accounts for customers, and each account is made with a card. Each account corresponds to one card, and there are multiple cards for multiple accounts. When the customer uses the card, the corresponding card needs to be swiped according to which account is used. Especially when a customer needs to pay a large amount, the customer often needs to swipe a plurality of different cards to complete payment, the user needs to repeatedly swipe the card and verify (for example, input a password), the operation is complicated, and the user experience is poor.
Disclosure of Invention
The embodiment of the invention provides a payment processing method for improving user experience, which comprises the following steps:
receiving a transaction payment instruction; the transaction payment instructions include at least one digital signature of the customer;
determining payment account information corresponding to each digital signature according to the at least one digital signature;
and determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature.
An embodiment of the present invention further provides a payment processing apparatus, so as to improve user experience, where the apparatus includes:
the instruction receiving module is used for receiving a transaction payment instruction; the transaction payment instructions include at least one digital signature of the customer;
the account determining module is used for determining payment account information corresponding to each digital signature according to the at least one digital signature;
and the payment data determining module is used for determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the payment processing method when executing the computer program.
Embodiments of the present invention also provide a computer-readable storage medium storing a computer program for executing the above payment processing method.
Embodiments of the present invention also provide a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the payment processing method described above.
In the embodiment of the invention, a transaction payment instruction is received; wherein the transaction payment instructions include at least one digital signature of the customer; determining payment account information corresponding to each digital signature according to at least one digital signature; and determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature. The account which the customer wants to use for payment is determined through the digital signature provided by the customer, and compared with the multi-time card swiping verification in the prior art, the customer can complete large-amount payment only by providing the digital signatures of a plurality of accounts, so that the operation is simple, and the user experience is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic diagram of a payment processing method according to an embodiment of the present invention.
Fig. 2 is a schematic diagram of an implementation process of step 102 in the embodiment of the present invention.
Fig. 3 is a schematic diagram of a payment processing method according to an embodiment of the invention.
Fig. 4 is a schematic diagram of a payment processing apparatus according to an embodiment of the present invention.
Fig. 5 is a schematic diagram of a payment processing apparatus according to an embodiment of the invention.
Detailed Description
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 only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
An embodiment of the present invention provides a payment processing method to improve user experience, as shown in fig. 1, the method includes:
step 101: receiving a transaction payment instruction; the transaction payment instructions include at least one digital signature of the customer;
step 102: determining payment account information corresponding to each digital signature according to at least one digital signature;
step 103: and determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature.
As can be known from the flow shown in fig. 1, in the embodiment of the present invention, the transaction payment instruction is received; wherein the transaction payment instructions include at least one digital signature of the customer; determining payment account information corresponding to each digital signature according to at least one digital signature; and determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature. The account which the customer wants to use for payment is determined through the digital signature provided by the customer, and compared with the multi-time card swiping verification in the prior art, the customer can complete large-amount payment only by providing the digital signatures of a plurality of accounts, so that the operation is simple, and the user experience is improved.
In specific implementation, a transaction payment instruction is received first. The transaction payment instruction is generated and uploaded by the merchant based on the transaction and a digital signature submitted by the customer during a card swipe transaction by the customer, and the transaction payment instruction includes at least one digital signature of the customer.
Then, according to the at least one digital signature, payment account information corresponding to each digital signature is determined. The specific implementation process, as shown in fig. 2, includes:
step 201: inquiring each digital signature in a preset account database, and determining an account identifier corresponding to each digital signature;
step 202: determining the information of each payment account according to the account identifier corresponding to each digital signature;
the account database stores account identification, digital signature and the corresponding relation between the account identification and the digital signature. The account database is established by a bank background system and stores accounts of a plurality of customers of a bank and digital signatures corresponding to each account. Since the digital signature is a common physical signature similar to that written on paper, but is implemented by using the technology in the field of public key encryption, each digital signature is unique to ensure the security of payment.
Accordingly, the bank would associate in the background one card of the customer with all accounts under the customer's name,
and after the payment account information corresponding to each digital signature is determined, determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature. In particular, the transaction payment instructions comprise at least: a transaction payment amount; payment account information, including at least: the account balance. And comparing the account balance of each payment account with the transaction payment amount, and determining the transfer amount of each payment account.
For example, if there is only one digital signature, it is only necessary to compare whether the account balance of the payment account corresponding to the digital signature is greater than or equal to the transaction payment amount, and determine the transfer amount of the payment account corresponding to the digital signature as the transaction payment amount if the account balance is greater than or equal to the transaction payment amount after the comparison, and determine the information of the opposite party of the transaction based on the transaction payment instruction, generate a transfer instruction, and complete the transfer.
And if two or more digital signatures exist, determining the account balance of the payment account corresponding to each digital signature, and comparing the account balance with the transaction payment amount. Under the condition that the client does not set the deduction sequence, the transfer with more account balance can be preferentially selected from a plurality of payment accounts, the number of the used accounts is reduced, and the processing speed is improved. And under the condition that the client sets the deduction sequence, sending a request to a bank background system, calling deduction sequence setting information of the client, and determining the transfer amount of each payment account according to the deduction sequence and the comparison result set by the client.
There may be a situation where a plurality of digital signatures are provided by a customer, but a plurality of accounts still cannot pay for the full amount, and therefore, in an embodiment, the provided payment processing method, as shown in fig. 3, further includes, on the basis of fig. 1:
step 301: and if the sum of the account balance of the payment account corresponding to each digital signature is less than the transaction payment amount, sending a prompt message of insufficient transaction amount to the client.
Namely, the sum of the balance of the payment account corresponding to the digital signature provided by the client is not enough to complete the transaction payment, and the client is sent with a prompt message indicating that the transaction limit is insufficient, so that the client can cancel the transaction or add or replace the digital signature to complete the transaction payment.
By using the payment processing method provided by the embodiment of the invention, a customer can establish only one unique card by using the information of the identity card, and directly operate a plurality of accounts through the card, so that when a large amount of payment is carried out, the plurality of accounts can be associated for transaction payment by swiping the card once and providing corresponding digital signatures, and the payment convenience is improved. And the problem that a customer opens one account to handle one card and a plurality of accounts have a plurality of cards is avoided, and the waste of card making resources is reduced.
Based on the same inventive concept, embodiments of the present invention further provide a payment processing apparatus, and because the principle of the problem solved by the payment processing apparatus is similar to that of the payment processing method, the implementation of the payment processing apparatus may refer to the implementation of the payment processing method, and repeated details are not described, and the specific structure is shown in fig. 4:
an instruction receiving module 401, configured to receive a transaction payment instruction; the transaction payment instructions include at least one digital signature of the customer;
an account determining module 402, configured to determine, according to at least one digital signature, payment account information corresponding to each digital signature;
and a payment data determining module 403, configured to determine account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature.
In a specific embodiment, the account determining module 402 is specifically configured to:
inquiring each digital signature in a preset account database, and determining an account identifier corresponding to each digital signature;
determining information of each payment account according to the account identifier corresponding to each digital signature;
the account database stores account identification, digital signature and the corresponding relation between the account identification and the digital signature.
In particular, the transaction payment instructions include at least: a transaction payment amount; payment account information, including at least: an account balance;
accordingly, the payment data determining module 403 is specifically configured to:
and comparing the account balance of each payment account with the transaction payment amount, and determining the transfer amount of each payment account.
As shown in fig. 5, the payment processing apparatus provided in the specific embodiment further includes, on the basis of fig. 4:
and the quota insufficiency prompting module 501 is configured to send a transaction quota insufficiency prompting message to the client if the sum of the account balances of the payment accounts corresponding to each digital signature is smaller than the transaction payment amount.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the payment processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program for executing the payment processing method is stored.
Embodiments of the present invention also provide a computer program product, which includes a computer program, and when executed by a processor, the computer program implements the above payment processing method.
In summary, the payment processing method and device provided by the embodiment of the invention have the following advantages:
by receiving a transaction payment instruction; wherein the transaction payment instructions include at least one digital signature of the customer; determining payment account information corresponding to each digital signature according to at least one digital signature; and determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature. The account which the customer wants to use for payment is determined through the digital signature provided by the customer, and compared with the multi-time card swiping verification in the prior art, the customer can complete large-amount payment only by providing the digital signatures of a plurality of accounts, so that the operation is simple, and the user experience is improved. The method has the advantages that the customer can establish only one unique card by using the information of the identity card, a plurality of accounts are directly operated through the card, when the large amount of payment is carried out, the plurality of accounts can be associated for transaction payment only by swiping the card once and providing the corresponding digital signature, and the payment convenience is improved. And the problem that a customer opens one account to handle one card and a plurality of accounts have a plurality of cards is avoided, and the waste of card making resources is reduced.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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, embedded processor, 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, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (11)
1. A payment processing method, comprising:
receiving a transaction payment instruction; the transaction payment instructions include at least one digital signature of the customer;
determining payment account information corresponding to each digital signature according to the at least one digital signature;
and determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature.
2. The method of claim 1, wherein determining payment account information for each digital signature based on the at least one digital signature comprises:
inquiring each digital signature in a preset account database, and determining an account identifier corresponding to each digital signature;
determining the information of each payment account according to the account identifier corresponding to each digital signature;
the account database stores account identification, digital signature and the corresponding relation between the account identification and the digital signature.
3. The method of claim 1, wherein the transaction payment instructions include at least: a transaction payment amount;
the payment account information at least comprises: an account balance;
determining account payment data according to the transaction payment instruction and payment account information corresponding to each digital signature, wherein the account payment data comprises:
and comparing the account balance of each payment account with the transaction payment amount, and determining the transfer amount of each payment account.
4. The method of claim 3, further comprising:
and if the sum of the account balance of the payment account corresponding to each digital signature is less than the transaction payment amount, sending a prompt message of insufficient transaction amount to the client.
5. A payment processing apparatus, comprising:
the instruction receiving module is used for receiving a transaction payment instruction; the transaction payment instructions include at least one digital signature of the customer;
the account determining module is used for determining payment account information corresponding to each digital signature according to the at least one digital signature;
and the payment data determining module is used for determining account payment data according to the transaction payment instruction and the payment account information corresponding to each digital signature.
6. The apparatus of claim 5, wherein the account determination module is specifically configured to:
inquiring each digital signature in a preset account database, and determining an account identifier corresponding to each digital signature;
determining the information of each payment account according to the account identifier corresponding to each digital signature;
the account database stores account identification, digital signatures and corresponding relations between the account identification and the digital signatures.
7. The apparatus of claim 5, wherein the transaction payment instructions comprise at least: a transaction payment amount;
the payment account information at least includes: an account balance;
the payment data determination module is specifically configured to:
and comparing the account balance of each payment account with the transaction payment amount, and determining the transfer amount of each payment account.
8. The apparatus of claim 7, further comprising:
and the limit shortage prompting module is used for sending the transaction limit shortage prompting information to the client if the sum of the account balance of the payment account corresponding to each digital signature is less than the transaction payment amount.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
11. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211529134.3A CN115760121A (en) | 2022-11-30 | 2022-11-30 | Payment processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211529134.3A CN115760121A (en) | 2022-11-30 | 2022-11-30 | Payment processing method and device |
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| Publication Number | Publication Date |
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| CN115760121A true CN115760121A (en) | 2023-03-07 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN202211529134.3A Pending CN115760121A (en) | 2022-11-30 | 2022-11-30 | Payment processing method and device |
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| CN (1) | CN115760121A (en) |
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- 2022-11-30 CN CN202211529134.3A patent/CN115760121A/en active Pending
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