CN115860745A - Secret payment-free signing method, gateway equipment and storage medium - Google Patents
Secret payment-free signing method, gateway equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a secret-free payment signing method, gateway equipment and a storage medium, belonging to the technical field of network payment, wherein the method comprises the following steps: when a first signing request of client-side secret-free payment is received, determining a preset parameter type of the secret-free payment signing, and acquiring a configuration parameter of a target payment channel in a target bank corresponding to the first signing request according to the preset parameter type; sending a second signing request to the target bank according to the configuration parameters, so that the target bank executes signing operation of the target payment channel and the client according to the second signing request and returns a corresponding signing result; and receiving the signing result, and sending corresponding notification information to the client according to the signing result. The invention aims to improve the development speed of the client-side digital RMB password-free payment function.
Description
Technical Field
The invention relates to the technical field of network payment, in particular to a secret-free payment signing method, gateway equipment and a storage medium.
Background
With the development of economic technology, electronic payment gradually becomes a daily transaction payment mode of people, and meanwhile, the digital RMB is also gradually popularized and applied. The digital RMB is accessed into the electronic payment, so that the safety and the reliability of the electronic payment transaction are improved, and the method is an important direction for the development of the electronic payment technology at present.
In the existing electronic payment transaction mode of the digital renminbi, when a user initiates a transaction by using a client application, the user needs to be in butt joint with the background of each bank through the soft wallet application of the digital renminbi so as to complete the digital renminbi transaction, the types of parameters required in the butt joint process are different due to the fact that the interface specifications of each bank are inconsistent, and the client needs to be developed according to the parameters required by different banks, so that the development work has large workload, and the development work of the client for supporting the digital renminbi transaction is influenced.
Disclosure of Invention
The invention mainly aims to provide a secret-free payment signing method, gateway equipment and a storage medium, aiming at improving the development speed of a client-side digital RMB secret-free payment function.
In order to achieve the above object, the present invention provides a secret-free payment signing method, which is applied to a gateway device, and the secret-free payment signing method comprises the following steps:
when a first signing request of client-side secret-free payment is received, determining a preset parameter type of the secret-free payment signing, and acquiring a configuration parameter of a target payment channel in a target bank corresponding to the first signing request according to the preset parameter type;
sending a second signing request to the target bank according to the configuration parameters so that the target bank executes signing operation of the target payment channel and the client according to the second signing request and returns a corresponding signing result;
and receiving the signing result, and sending corresponding notification information to the client according to the signing result.
Optionally, the step of sending a second signing request to the target bank according to the configuration parameters, so that the target bank executes the signing operation between the target payment channel and the client according to the second signing request includes:
sending a first signing message to the target bank according to the configuration parameters so that the target bank sends first verification information to the client according to the first signing message;
receiving second verification information sent by the client based on the first verification information, and sending a second signing message to the target bank according to the configuration parameters and the second verification information so that the target bank executes the signing operation according to the verification result of the first verification information and the second verification information and returns the signing result;
wherein the second subscription request includes the first subscription packet and the second subscription packet.
Optionally, the step of sending a first subscription message to the target bank according to the configuration parameter, so that the target bank sends first verification information to the client according to the first subscription message, includes:
acquiring a target mobile phone number corresponding to the client;
and sending the first signing message to the target bank according to the configuration parameters and the target mobile phone number, so that the target bank sends the first verification information to the target mobile phone number according to the first signing message.
Optionally, the step of sending the first subscription message to the target bank according to the configuration parameter includes:
determining a first address of the target bank, and sending the first signing message to the first address according to the configuration parameters;
the step of sending a second signing message to the target bank according to the configuration parameters and the second verification information comprises:
and determining a second address of the target bank, and sending the second signing message to the second address according to the configuration parameters and the second verification information.
Optionally, the step of obtaining, according to the preset parameter type, configuration parameters of a target payment channel in a target bank corresponding to the first subscription request includes:
determining a signing interface address and a public key of the target bank according to the bank identification corresponding to the target bank in the first signing request, wherein the preset parameter type comprises interface parameters corresponding to the signing interface address and key parameters corresponding to the public key, and the configuration parameters comprise the signing interface address and the public key.
Optionally, the step of sending a second signing request to the target bank according to the configuration parameters includes:
signing the parameter key value pair corresponding to the configuration parameter through the public key to generate the second signing request;
and sending the second signing request to the target bank.
Optionally, after the step of receiving the first subscription request for client privacy-exempt payment, the method further includes:
determining identity information corresponding to the client according to the first signing request;
determining whether the client side has signed a contract with the target payment channel according to the identity information;
when no subscription is determined, executing the step of determining the preset parameter type of the secret-free payment subscription, and acquiring the configuration parameters of the target payment channel in the target bank corresponding to the first subscription request according to the preset parameter type;
and when the subscription is determined, sending error information to the client.
Optionally, the step of sending corresponding notification information to the client according to the subscription result includes:
when the signing result comprises signing information of the client and the target payment channel, sending corresponding notification information to the client;
when the signing result is empty, sending a signing result request to the target bank so that the target bank returns the signing information of the client and the target payment channel according to the signing result request;
and receiving the subscription information, and sending corresponding notification information to the client according to the subscription information.
In addition, in order to achieve the above object, the present application also proposes a gateway device, including: a memory, a processor, and a privacy-exempt payment signing program stored on the memory and executable on the processor, the privacy-exempt payment signing program configured to implement the steps of the privacy-exempt payment signing method as described in any one of the above.
In addition, in order to achieve the above object, the present application also proposes a storage medium, on which a secret-free payment signing program is stored, and when being executed by a processor, the secret-free payment signing program implements the steps of the secret-free payment signing method according to any one of the above items.
The invention provides a secret payment-free signing method, which unifies parameter types required by a client and each bank when signing with digital RMB secret payment-free payment into preset parameter types through preset parameter types, acquires configuration parameters of a target payment channel in a target bank based on the preset parameter types when receiving a signing request of the client, thereby determining specific values of each parameter in the preset parameter types required by secret payment-free, sends the signing request to the target bank according to the configuration parameters to finish signing operation between the target payment channel and the client and feed back to the client.
Drawings
Fig. 1 is a schematic diagram of a hardware structure involved in the operation of an embodiment of the gateway device of the present invention;
fig. 2 is a schematic flow chart of a secret-free payment signing method according to an embodiment of the present invention;
fig. 3 is a schematic flow chart of a secret-free payment signing method according to another embodiment of the present invention;
fig. 4 is a schematic flowchart of a secret-free payment signing method according to another embodiment of the present invention;
fig. 5 is a flowchart illustrating a secret-free payment signing method according to still another embodiment of the present invention.
The implementation, functional features and advantages of the present invention will be further described with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and do not limit the invention.
The embodiment of the invention provides gateway equipment. As shown in fig. 1, the gateway apparatus may include: a processor 1001 such as a Central Processing Unit (CPU), a communication bus 1002, a network interface 1003, and a memory 1004. Wherein a communication bus 1002 is used to enable connective communication between these components. The network interface 1003 may optionally include a standard wired interface, a WIreless interface (e.g., a WIreless-FIdelity (WI-FI) interface). The Memory 1004 may be a Random Access Memory (RAM) Memory, or may be a Non-Volatile Memory (NVM), such as a disk Memory. The memory 1004 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the configuration shown in fig. 1 does not constitute a limitation of the gateway device and may include more or fewer components than shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, a storage 1004 as a kind of storage medium may include a secret payment exemption sign-up program therein. In the gateway device shown in fig. 1, the network interface 1003 is mainly used for data communication with other devices; the processor 1001 may be configured to call the secret-payment-exempting sign-up program stored in the memory 1004 and perform the operations of the relevant steps of the secret-payment-exempting sign-up method in the following embodiments.
The embodiment of the invention also provides a secret-free payment signing method. Referring to fig. 2, an embodiment of a secret-free payment signing method of the present application is provided. In this embodiment, the execution subject is a gateway device, and the secret-free payment signing method includes:
step S10, when a first signing request of client-side secret payment is received, determining a preset parameter type of secret payment-free signing, and acquiring a configuration parameter of a target payment channel in a target bank corresponding to the first signing request according to the preset parameter type;
the client is a client having a transaction payment function, such as application software for taking a public transportation. The password-free payment is an optional function of transaction payment on the client, and in the embodiment, the password-free payment is transacted based on the digital renminbi, so that the user also needs to sign respective passwords for password-free payment channels of different banks. Further, the first signing request is a request sent to the gateway device when the client requests for signing the secret-free payment with the target bank, and the target payment channel is a payment channel for the secret-free payment of the target bank.
It should be noted that the client has a logged-in user, and in this embodiment, the user logged in by the client actually signs a contract with the target payment channel. The first subscription request further includes user identification information for identifying a current user of the client, and the gateway device may determine a user to be subscribed according to the user identification information.
In the signing process, multiple types of parameters are needed to be used when the gateway device is in butt joint with the background of the bank, and the preset parameter types are multiple preset parameter types for unifying the parameter types needed by the butt joint of different banks, for example, the preset parameter types include interface parameters. In this embodiment, when the gateway device performs the docking of the privacy-free payment contract with the backgrounds of different banks, the parameters of the types defined by the preset parameter types are all used in a unified manner, and the actually required parameter values, that is, the configuration parameters, are obtained according to the preset parameter types. For different banks, parameters of the parameter types defined in the preset parameter types are used for butt joint, and different banks correspond to different configuration parameters.
Optionally, the user operates the client, selects a target bank to sign the secret-free payment, the client generates a corresponding first signing request and sends the first signing request to the gateway device, the gateway device determines a preset parameter type of the secret-free payment after receiving the first signing request, and obtains configuration parameters of a target payment channel in the target bank corresponding to the preset parameter type, so that the parameter required for signing the secret-free payment between the client and the target payment channel, namely signing the secret-free payment with the target bank, is obtained.
Step S20, sending a second signing request to the target bank according to the configuration parameters, so that the target bank executes signing operation of the target payment channel and the client according to the second signing request and returns a corresponding signing result;
and the second signing request is a request which is sent when the gateway equipment is in background butt joint with the target bank and informs the target bank that the client side wants to carry out secret-free payment signing. The second signing request comprises configuration parameters and user identification information, the target bank can complete the butt joint with the gateway equipment according to the configuration parameters, and a user to be signed is determined according to the user identification information.
Optionally, after determining the configuration parameters, the gateway device generates a second signing request according to the configuration parameters, and sends the second signing request to the target bank, and the target bank can know that the client intends to perform the privacy-free payment signing according to the second signing request, execute the signing operation of the corresponding target payment channel and the client, and return an execution result of the signing operation, that is, a signing result, to the gateway device.
And step S30, receiving the signing result, and sending corresponding notification information to the client according to the signing result.
Optionally, the gateway device receives a signing result returned by the target bank, determines whether the password-free payment signing between the client and the target payment channel is successful according to the signing result, and sends corresponding notification information to the client to notify a user of the client of whether the signing is successful.
The invention provides a secret payment free signing method, which unifies parameter types required by a client and each bank when signing with secret payment free of digital RMB into preset parameter types through the preset parameter types, acquires configuration parameters of a target payment channel in a target bank based on the preset parameter types when receiving a signing request of the client, thereby determining specific values of each parameter in the preset parameter types required by the secret payment free, sends the signing request to the target bank according to the configuration parameters to finish signing operation between the target payment channel and the client and feed back the signing operation to the client.
Further, in this embodiment, the step of sending the corresponding notification information to the client according to the subscription result includes:
when the signing result comprises signing information of the client and the target payment channel, sending corresponding notification information to the client;
when the signing result is empty, sending a signing result request to the target bank so that the target bank returns the signing information of the client and the target payment channel according to the signing result request;
and receiving the subscription information, and sending corresponding notification information to the client according to the subscription information.
Optionally, when the target bank returns the signing result, sending a return message including the signing result to the gateway device, judging the content in the return message after the gateway device receives the return message, and sending corresponding notification information to the client when the signing result includes the signing information of the client and the target payment channel; and when the signing result is empty (which is equivalent to that the return message is empty), sending a signing result request to a target bank, wherein the signing result request comprises user identification information, the target bank can inquire the signing information of the user and a target payment channel according to the user identification information, and repackages the signing information obtained by inquiry into the return message to be sent to the gateway equipment, so that the gateway equipment can judge the signing result again according to the returned signing information and inform the client.
The reason why the signing result is empty may be that data is damaged in data transmission or data is wrong when the target bank generates a return message.
By judging whether the signing result returned by the target bank is empty or not, the gateway equipment can be ensured to obtain the signing result of the client and the target payment channel from the target bank, and inform the client according to the signing result, so that the phenomenon that the user experience is influenced by directly sending a notice of data error to the client is avoided. Thus, the stability of the privacy-exempt payment subscription is improved.
In addition, in this embodiment, the parameter type of the gateway device and the password-free payment contract-signing and docking of each bank is defined by a preset parameter type; optionally, in order to implement the docking with each bank according to the configuration parameters defined by the preset parameter types, when the preset parameter types are set, the parameter types required by the docking of each bank may be respectively obtained, and the union of the obtained parameter types is determined, so as to determine the preset parameter types with the determined union.
The preset parameter types determined based on the method can include all parameter types required by the butt joint of various banks, and when the configuration parameters corresponding to different banks are input according to the preset parameter types, the parameters which are not required by the butt joint of the banks in the preset parameter types can set the values of the configuration parameters to be null aiming at any bank, so that the interference is avoided.
Different types of parameters required by the butting of all banks are unified through the preset parameter types, so that the condition that the parameter types required by different banks need to be developed respectively in the development process can be avoided, the workload generated by butting of the client and all banks in the development process is reduced, and the development speed of the client-side digital RMB password-free payment function is improved.
Further, based on the above embodiment, another embodiment of the secret-free payment signing method is provided. In this embodiment, referring to fig. 3, the second subscription request includes a first subscription message and a second subscription message, and the step of sending the second subscription request to the target bank according to the configuration parameter so that the target bank executes the subscription operation between the target payment channel and the client according to the second subscription request includes:
step S21, sending a first signing message to the target bank according to the configuration parameters, so that the target bank sends first verification information to the client according to the first signing message;
the first signing message is a message sent by the gateway device for informing the target bank of requesting the privacy-free payment signing, and the first signing message comprises the user identification information of the user to be signed and the configuration parameters.
For security, the target bank needs to verify the client initiating the privacy-free payment to ensure that the corresponding user of the user identification information in the first subscription message matches the user currently operating the client. Therefore, after determining the user identification information according to the first subscription message, the target bank sends first verification information to the client according to the user identification information.
Step S22, receiving second verification information sent by the client based on the first verification information, and sending a second signing message to the target bank according to the configuration parameter and the second verification information, so that the target bank executes the signing operation according to the verification result of the first verification information and the second verification information and returns the signing result.
Optionally, if the user corresponding to the user identification information matches the user currently operating the client, the client may receive the first verification information, at this time, the user may operate the client to input the first verification information and request verification, and the client generates second verification information according to information actually input by the user and sends the second verification information to the gateway device. And the gateway equipment generates a second signing message for verification according to the second verification information and the configuration parameters, and sends the second signing message to the target bank so that the target bank determines whether the first verification information and the second verification information are matched, namely, whether the information returned by the target bank is matched with the verification information input by the user according to the information is compared. When the matching is determined, the target bank executes signing operation and returns a signing result of successful signing; and when the contract is determined not to be matched, returning a contract signing result of the contract signing failure.
It should be noted that the first subscription message and the second subscription message are both information sent to the target bank by the gateway device, and when the gateway device receives the first subscription request, the gateway device generates a corresponding first subscription message to request the target bank for the secret-free payment subscription; and when the gateway equipment receives the second verification information, generating a corresponding second signing message to send the verification information to the target bank. Because both the two scenes need to be in butt joint with the interfaces of the bank, both the two messages need to be generated according to the configuration parameters which accord with the preset parameter types; however, since the two messages have different functions, the first subscription message and the second subscription message sent to two different interfaces can be generated by setting two corresponding configuration parameters, thereby realizing the function differentiation of the two messages.
The client determines a corresponding second signing message based on the second verification information sent by the first verification information, and sends the second signing message to the target bank, so that the verification of the target bank on the client is supported, the security of signing operation is improved, and the security of a secret-free payment signing process is improved.
Further, in this embodiment, the step of sending a first signing message to the target bank according to the configuration parameter, so that the target bank sends first verification information to the client according to the first signing message, includes:
acquiring a target mobile phone number corresponding to the client;
and sending the first signing message to the target bank according to the configuration parameters and the target mobile phone number, so that the target bank sends the first verification information to the target mobile phone number according to the first signing message.
Optionally, the target mobile phone number is a contact number of the mobile device currently carrying the client, and the target mobile phone number may be included in the user identification information, sent from the client to the gateway device through the first subscription request, and sent from the gateway device to the target bank through the second subscription request.
Further, the first subscription message includes user representation information, which is equivalent to the target mobile phone number in this embodiment, so that the target bank may determine the target mobile phone number according to the first subscription message and send the first verification information to the target mobile phone number.
The target mobile phone number corresponding to the client is sent to the target bank in the first signing message, so that the target bank can accurately determine the contact way of the equipment used by the user and send verification information, the client is verified, and the security of the password-free payment signing is improved.
Further, in this embodiment, the step of sending the first subscription message to the target bank according to the configuration parameter includes:
determining a first address of the target bank, and sending the first signing message to the first address according to the configuration parameters;
the step of sending a second signing message to the target bank according to the configuration parameters and the second verification information comprises:
and determining a second address of the target bank, and sending the second signing message to the second address according to the configuration parameters and the second verification information.
In this embodiment, the first subscription message and the second subscription message are respectively sent to two different interfaces of the target bank, and the target bank may also determine the service operation to be executed according to the interfaces. The interface address sent by the first signing message is the first address, and the interface address sent by the second signing message is the second address.
By distinguishing the addresses sent by the first signing message and the second signing message, the target bank can determine the business operation to be executed according to the interface of the received information, reduce the business flow in the process of signing the non-secret payment and improve the processing efficiency of signing the non-secret payment.
Further, based on the above embodiment, another embodiment of the secret-free payment signing method is provided. In this embodiment, referring to fig. 4, the step of obtaining, according to the preset parameter type, a configuration parameter of a target payment channel in a target bank corresponding to the first subscription request includes:
step S12, determining a signing interface address and a public key of the target bank according to the bank identification corresponding to the target bank in the first signing request, wherein the preset parameter type comprises interface parameters corresponding to the signing interface address and key parameters corresponding to the public key, and the configuration parameters comprise the signing interface address and the public key.
In this embodiment, the preset parameter types at least include two types of parameters, namely an interface parameter and a key parameter, where the interface parameter includes a signed interface address when the gateway device is docked with the target bank, for example, both the first address and the second address in the above embodiment belong to the signed interface address; the key parameters include a key required for sending and receiving messages between the gateway device and the target bank, for example, a public key of the target bank and a private key of the gateway device, and are used for encrypting the first signed message and the second signed message and decrypting a return message of the target bank; for safety, the interactive messages between the gateway device and the target bank are asymmetrically encrypted by respective public key and private key.
Optionally, bank identifiers corresponding to each bank and configuration parameters corresponding to the bank identifiers are stored in an associated manner, and after the gateway device determines a target bank to be signed and a corresponding bank identifier according to the first signing request, configuration parameters of the target bank, that is, the signing interface address and the public key of the target bank, are obtained according to the configuration parameters mapped by the bank identifier.
The method and the device have the advantages that the signing interface address and the public key corresponding to the target bank are obtained according to the bank identification, so that the configuration parameters corresponding to each bank are uniformly obtained, the configuration parameters are ensured to be in accordance with the preset parameter types, and the actually required parameter types and configuration parameters are prevented from being determined according to the bank when the client is in butt joint with the bank, so that the workload generated when the client is in butt joint with each bank during development is reduced, and the development speed of the client digital RMB password-free payment function is increased.
Further, in this embodiment, the step of sending a second subscription request to the target bank according to the configuration parameters includes:
signing the parameter key value pair corresponding to the configuration parameter through the public key to generate the second signing request;
and sending the second signing request to the target bank.
The key-value pair means that a corresponding value can be obtained by a key value, i.e., "key = value", and each parameter in the configuration parameters has a corresponding key-value pair. Optionally, a character string of a parameter key value pair corresponding to the configuration parameter is determined, and the public key is used to sign the character string, so as to generate the second subscription request.
The security of the second signing request obtained by encrypting the public key can be improved by utilizing the public key to sign the parameter key value pair corresponding to the configuration parameter, the signature content comprises the parameter key value pair of the configuration parameter, and the target bank can decrypt the second signing request and then obtain the corresponding configuration parameter according to the parameter key value pair, so that the subsequent signing operation is executed, and the security and the processing efficiency of the secret-free payment signing process are improved.
Further, based on the above embodiment, a further embodiment of the secret-free payment signing method is provided. In this embodiment, referring to fig. 5, after the step of receiving the first subscription request for client-side privacy-exempt payment, the method further includes:
step S101, determining identity information corresponding to the client according to the first subscription request;
the identity information is real name information about the current user of the client, such as name information and identification card number information, and also belongs to user identification information.
Step S102, determining whether the client side has signed a contract with the target payment channel according to the identity information;
optionally, in this embodiment, since the two parties actually signing the contract are the current user of the client and the target payment channel, and the user and the bank perform the password-free payment subscription by using the real name, in order to avoid repeated subscription, the gateway device may query, according to the identity information of the gateway device, whether the user has signed the contract with the target payment channel after receiving the first subscription request.
Step S103, when no subscription is determined, executing the step of determining the preset parameter type of the secret-free payment subscription, and acquiring the configuration parameters of the target payment channel in the target bank corresponding to the first subscription request according to the preset parameter type;
optionally, when it is determined that the user has not signed a contract, the gateway device may perform subsequent steps of the secret-free payment signing method to complete the secret-free payment signing between the user and the target payment channel.
And step S104, when the subscription is determined, sending error information to the client.
Optionally, when it is determined that the user has signed up, in order to avoid repeated signing up, error information is sent to the client, so that the client outputs the error information to notify that the user has signed up, and meanwhile, the gateway device stops executing the step of signing up with the target payment channel.
Through the identity information corresponding to the client, whether the client (equivalent to the current user of the client) signs a contract with a target payment channel for the secret-free payment is predetermined, the condition that data is disordered due to repeated signing is avoided, and the robustness of the secret-free payment signing process is improved.
In addition, an embodiment of the present invention further provides a storage medium, where a secret-free payment signing program is stored on the storage medium, and when executed by a processor, the secret-free payment signing program implements the relevant steps of any embodiment of the above secret-free payment signing method.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of other like elements in a process, method, article, or system comprising the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention or portions thereof contributing to the prior art may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) as described above and includes several instructions for enabling a terminal device (which may be a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and all equivalent structures or equivalent processes performed by the present invention or directly or indirectly applied to other related technical fields are also included in the scope of the present invention.
Claims (10)
1. A secret-free payment signing method is applied to gateway equipment and comprises the following steps:
when a first signing request of client-side secret payment is received, determining a preset parameter type of the secret payment free signing, and acquiring a configuration parameter of a target payment channel in a target bank corresponding to the first signing request according to the preset parameter type;
sending a second signing request to the target bank according to the configuration parameters so that the target bank executes signing operation of the target payment channel and the client according to the second signing request and returns a corresponding signing result;
and receiving the signing result, and sending corresponding notification information to the client according to the signing result.
2. The secret-free payment signing method of claim 1, wherein the step of sending a second signing request to the target bank according to the configuration parameters, so that the target bank executes signing operations of the target payment channel and the client according to the second signing request comprises:
sending a first signing message to the target bank according to the configuration parameters so that the target bank sends first verification information to the client according to the first signing message;
receiving second verification information sent by the client based on the first verification information, and sending a second signing message to the target bank according to the configuration parameters and the second verification information so that the target bank executes the signing operation according to the verification results of the first verification information and the second verification information and returns the signing result;
and the second subscription request comprises the first subscription message and the second subscription message.
3. The secret-free payment signing method of claim 2, wherein the step of sending a first signing message to the target bank according to the configuration parameters so that the target bank sends first verification information to the client according to the first signing message comprises:
acquiring a target mobile phone number corresponding to the client;
and sending the first signing message to the target bank according to the configuration parameters and the target mobile phone number, so that the target bank sends the first verification information to the target mobile phone number according to the first signing message.
4. The privacy-free payment signing method of claim 2, wherein the step of sending a first signing message to the target bank according to the configuration parameters comprises:
determining a first address of the target bank, and sending the first signing message to the first address according to the configuration parameters;
the step of sending a second signing message to the target bank according to the configuration parameters and the second verification information comprises:
and determining a second address of the target bank, and sending the second signing message to the second address according to the configuration parameters and the second verification information.
5. The secret-free payment signing method of claim 1, wherein the step of obtaining the configuration parameters of the target payment channel in the target bank corresponding to the first signing request according to the preset parameter type comprises:
and determining a signing interface address and a public key of the target bank according to a bank identifier corresponding to the target bank in the first signing request, wherein the preset parameter type comprises interface parameters corresponding to the signing interface address and key parameters corresponding to the public key, and the configuration parameters comprise the signing interface address and the public key.
6. The privacy-free payment signing method of claim 5, wherein the step of sending a second signing request to the target bank according to the configuration parameters comprises:
signing the parameter key value pair corresponding to the configuration parameter through the public key to generate the second signing request;
and sending the second signing request to the target bank.
7. A close-payment subscription method according to any one of claims 1 to 6, wherein the step of receiving a first subscription request for client-side close-payment further comprises:
determining identity information corresponding to the client according to the first subscription request;
determining whether the client side is signed with the target payment channel according to the identity information;
when no subscription is determined, executing the step of determining the preset parameter type of the secret-free payment subscription, and acquiring the configuration parameters of the target payment channel in the target bank corresponding to the first subscription request according to the preset parameter type;
and when the subscription is determined, sending error information to the client.
8. A secret-payment subscription method according to any one of claims 1 to 6, wherein the step of sending corresponding notification information to the client according to the subscription result comprises:
when the signing result comprises signing information of the client and the target payment channel, sending corresponding notification information to the client;
when the signing result is empty, sending a signing result request to the target bank so that the target bank returns the signing information of the client and the target payment channel according to the signing result request;
and receiving the subscription information, and sending corresponding notification information to the client according to the subscription information.
9. A gateway device, characterized in that the gateway device comprises: a memory, a processor, and a close-payment subscription program stored on the memory and executable on the processor, the close-payment subscription program configured to implement the steps of the close-payment subscription method as claimed in any one of claims 1 to 8.
10. A storage medium having stored thereon a cryptographic exemption payment signing program that, when executed by a processor, implements the steps of a cryptographic exemption payment signing method as recited in any one of claims 1-8.
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