CN115860745B - 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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- CN115860745B CN115860745B CN202310189766.8A CN202310189766A CN115860745B CN 115860745 B CN115860745 B CN 115860745B CN 202310189766 A CN202310189766 A CN 202310189766A CN 115860745 B CN115860745 B CN 115860745B
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Abstract
The invention discloses a secret payment-free 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 subscription request of the client-side free-payment is received, determining a preset parameter type of the free-payment subscription, and acquiring configuration parameters of a target payment channel in a target bank corresponding to the first subscription 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 digital RMB secret payment-free function.
Description
Technical Field
The present invention relates to the field of network payment technologies, and in particular, to a secret payment-free subscription method, gateway device, and storage medium.
Background
Along with the development of economic technology, electronic payment gradually becomes a daily transaction payment mode of people, and meanwhile, digital RMB is also gradually popularized and applied. The digital RMB is connected into the electronic payment, so that the safety and the reliability of the electronic payment transaction are improved, and the electronic payment method is an important direction of the development of the electronic payment technology nowadays.
In the current electronic payment transaction mode of the digital RMB, when a user initiates a transaction by using a client application, the user needs to dock with the background of each bank through the soft wallet application of the digital RMB, so that the digital RMB transaction is completed, and because the interface specifications of each bank are inconsistent, the types of parameters required in the docking process are also different, and the client needs to develop according to the parameters required by different banks, so that great workload exists in development work, and the development work of the client for supporting the digital RMB transaction is influenced.
Disclosure of Invention
The invention mainly aims to provide a secret payment-free signing method, gateway equipment and a storage medium, aiming at improving the development speed of a secret payment-free function of a client digital RMB.
In order to achieve the above object, the present invention provides a secret payment-free subscription method, which is applied to a gateway device, and the secret payment-free subscription method includes the following steps:
when a first subscription request of the client-side free-payment is received, determining a preset parameter type of the free-payment subscription, and acquiring configuration parameters of a target payment channel in a target bank corresponding to the first subscription 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 subscription request to the target bank according to the configuration parameter, so that the target bank performs the subscription operation of the target payment channel and the client according to the second subscription request includes:
sending a first subscription 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 subscription 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;
the second subscription request comprises the first subscription message and the second subscription message.
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 subscription 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 subscription 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 subscription message to the first address according to the configuration parameters;
the step of sending a second subscription message to the target bank according to the configuration parameters and the second verification information includes:
and determining a second address of the target bank, and sending the second subscription message to the second address according to the configuration parameters and the second verification information.
Optionally, the step of obtaining the configuration parameters of the target payment channel in the target bank corresponding to the first subscription request according to the preset parameter type includes:
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 an interface parameter corresponding to the signing interface address and a key parameter corresponding to the public key, and the configuration parameter comprises the signing interface address and the public key.
Optionally, the step of sending a second subscription request to the target bank according to the configuration parameter 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 subscription request to the target bank.
Optionally, after the step of receiving the first subscription request of the client for the payment-free, the method further includes:
determining identity information corresponding to the client according to the first subscription request;
determining whether the client has contracted with the target payment channel according to the identity information;
when no subscription is determined, executing the preset parameter type for determining the subscription without dense payment, and acquiring configuration parameters of a target payment channel in a target bank corresponding to the first subscription request according to the preset parameter type;
and when the subscription is determined, sending error reporting information to the client.
Optionally, 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 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 further proposes a gateway apparatus, including: a memory, a processor, and a non-secure payment subscription program stored on the memory and executable on the processor, the non-secure payment subscription program configured to implement the steps of the non-secure payment subscription method of any one of the preceding claims.
In addition, in order to achieve the above object, the present application further proposes a storage medium having stored thereon a non-secret payment subscription program, which when executed by a processor, implements the steps of the non-secret payment subscription method according to any one of the above.
The invention provides a secret payment-free signing method, which is characterized in that a preset parameter type is designed in advance, the parameter type required by a client and each bank when secret payment-free signing is performed by utilizing digital RMB is unified to be the preset parameter type, the configuration parameters of a target payment channel in a target bank are obtained based on the preset parameter type when a signing request of the client is received, so that specific numerical values of all parameters in the preset parameter type required by secret payment are determined, the signing request is sent to the target bank according to the configuration parameters to complete 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 a gateway device according to the present invention;
FIG. 2 is a flow chart of an embodiment of a method for subscription without dense payment according to the present invention;
FIG. 3 is a flow chart illustrating a method for subscription without dense payment according to another embodiment of the present invention;
FIG. 4 is a flow chart of a method for subscription without dense payment according to another embodiment of the present invention;
fig. 5 is a flowchart of a method for subscription without dense payment according to another embodiment of the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
The embodiment of the invention provides gateway equipment. As shown in fig. 1, the gateway device may include: a processor 1001, such as a central processing unit (Central Processing Unit, CPU), a communication bus 1002, a network interface 1003, and a memory 1004. Wherein the communication bus 1002 is used to enable connected 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 high-speed random access Memory (Random Access Memory, RAM) Memory or a stable Non-Volatile Memory (NVM), such as a disk Memory. The memory 1004 may also optionally be a storage device separate from the processor 1001 described above.
Those skilled in the art will appreciate that the architecture shown in fig. 1 is not limiting of the gateway device and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
As shown in fig. 1, a pay-as-you-go subscription program may be included in the memory 1004 as one storage medium. 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 payment-free subscription program stored in the memory 1004 and perform the related step operations of the payment-free subscription method in the following embodiments.
The embodiment of the invention also provides a secret payment-free signing method. Referring to fig. 2, an embodiment of a payment-free subscription method of the present application is provided. In this embodiment, the execution subject is a gateway device, and the method for signing contract without dense payment includes:
step S10, when a first subscription request of the client for free-close payment is received, determining a preset parameter type of free-close payment subscription, and acquiring configuration parameters of a target payment channel in a target bank corresponding to the first subscription request according to the preset parameter type;
the client is a client having a transaction payment function, such as application software for riding public transportation. The secret payment-free is an optional function of transaction payment on the client, and in this embodiment, the secret payment-free is based on digital RMB for transaction, so that subscription needs to be performed for secret payment-free channels of different banks respectively. Further, the first subscription request is a request sent to the gateway device when the client requests to sign up with the target bank for the non-secret payment, and the target payment channel is the non-secret payment channel 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 signs up 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, the gateway device needs to use various parameters when in butt joint with the background of the bank, and the preset parameter types are various parameter types preset for unifying the parameter types required by the butt joint of different banks, for example, the parameters comprise interface parameters. In this embodiment, when the gateway device performs the butt joint with the background of different banks for the secret payment-free subscription, parameters of a type defined by a preset parameter type are uniformly used, and the actually required parameter values are obtained according to the preset parameter type, namely, the configuration parameters are obtained. For different banks, parameters of the parameter types defined in the preset parameter types are used for butt joint, and the different banks correspond to different configuration parameters.
Optionally, the user operates the client, selects a target bank needing to sign up for the non-secret payment, the client generates a corresponding first sign-up request and sends the first sign-up request to the gateway device, the gateway device determines a preset parameter type needing the non-secret payment after receiving the first sign-up request, and obtains configuration parameters of a target payment channel in the target bank corresponding to the preset parameter type, so that the client signs up with the target payment channel, namely signs up with the target bank, and the parameters needed by the non-secret payment are obtained.
Step S20, a second signing request is sent 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;
the second signing request is a request for informing the target bank client of the need of carrying out the secret payment-free signing when the gateway equipment is in butt joint with the background of the target bank. The second subscription request comprises configuration parameters and user identification information, and the target bank can complete the docking with the gateway equipment according to the configuration parameters and determine the user to be subscribed according to the user identification information.
Optionally, after determining the configuration parameters, the gateway device generates a second subscription request according to the configuration parameters, and sends the second subscription request to the target bank, and the target bank can learn that the client wants to make a payment-free subscription according to the second subscription request, execute the subscription operation of the corresponding target payment channel and the client, and return the execution result of the subscription operation, that is, the subscription result, to the gateway device.
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 private payment-free signing of the client and the target payment channel is successful according to the signing result, and sends corresponding notification information to the client so as to notify the user of the client whether the signing is successful.
According to the secret payment-free signing method, through the preset parameter types designed in advance, the parameter types required by the client and each bank when the secret payment-free signing of the digital RMB are unified, are the preset parameter types, the configuration parameters of the target payment channels in the target bank are obtained based on the preset parameter types when the signing request of the client is received, so that specific numerical values of all parameters in the preset parameter types required by the secret payment-free signing are determined, the signing request is sent to the target bank according to the configuration parameters to complete signing operation between the target payment channels and the client and feed back 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 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 when the signing result includes signing information of the client and the target payment channel, sending corresponding notification information to the client; when the signing result is empty (corresponding 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 signing information of the user and a target payment channel according to the user identification information, and package the signing information obtained by inquiry again into a return message and send the return message 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 subscription result may be null because of data corruption in the data transmission or data errors 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 situation that the user experience is affected by directly sending a data error notice to the client is avoided. Therefore, the stability of the secret payment-free subscription is improved.
In addition, in the embodiment, the parameter types of the gateway equipment for the contract docking of the bank payment-free subscription with each bank are limited through preset parameter types; optionally, in order to realize 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 can be respectively acquired, and the union of the acquired parameter types is determined, so that the determined union determines the preset parameter types.
The preset parameter types determined based on the method can comprise all parameter types required by the butt joint of each bank, and when 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 bank in the preset parameter types can be set to be null for any bank so as to avoid interference.
Different parameters required by the butt joint of each bank are unified through preset parameter types, the need of respectively developing the parameter types required by different banks in development can be avoided, the workload generated by the butt joint of each bank when the client is developed is reduced, and the development speed of the client digital RMB secret payment-free function is improved.
Further, based on the above embodiment, another embodiment of the present application of a payment-free subscription method is provided. In this embodiment, referring to fig. 3, the step of sending, according to the configuration parameter, a second subscription request to the target bank to enable the target bank to execute the subscription operation of the target payment channel and the client according to the second subscription request includes:
step S21, a first signing message is sent 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 subscription message is a message sent by the gateway equipment for informing the target bank of requesting the non-secret payment subscription, and comprises user identification information of a user to be subscribed and configuration parameters.
For security reasons, the target bank needs to verify the client that initiates the secure 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 the target bank determines 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 subscription message to the target bank according to the configuration parameter and the second verification information, so that the target bank executes the subscription operation according to the verification results of the first verification information and the second verification information and returns the subscription result.
Optionally, if the corresponding user of the user identification information matches the user of the current operation client, the client receives the first verification information, at this time, the user can operate the client to input the first verification information and request verification, and the client generates second verification information according to the information actually input by the user and sends the second verification information to the gateway device. The gateway equipment generates a second subscription message for verification according to the second verification information and the configuration parameters, and sends the second subscription message to the target bank so that the target bank can determine 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 signing results of successful signing; and when the matching is not determined, returning a signing result of 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 a payment-free subscription; and when the gateway equipment receives the second verification information, generating a corresponding second subscription message to send the verification information to the target bank. Because both scenes need to be in butt joint with the interface of the bank, both messages need to be generated according to configuration parameters conforming to the preset parameter types; however, as the specific functions of the two messages are not the same, by setting the corresponding two configuration parameters, the first subscription message and the second subscription message sent to the two different interfaces can be generated, thereby realizing the function distinction of the two messages.
The client determines the corresponding second subscription message based on the second verification information sent by the first verification information, and sends the second subscription message to the target bank, so that the verification of the client by the target bank is supported, the security of subscription operation is improved, and the security of the secret payment-free subscription flow is improved.
Further, in this embodiment, 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 subscription 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 subscription 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, and 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 in this embodiment corresponds to the target mobile phone number, so that the target bank can 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 subscription message, so that the target bank can accurately determine the contact way of equipment used by the user and send verification information, verification of the client is realized, and the security of secret payment-free subscription 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 subscription message to the first address according to the configuration parameters;
the step of sending a second subscription message to the target bank according to the configuration parameters and the second verification information includes:
and determining a second address of the target bank, and sending the second subscription 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 subscription message is the first address, and the interface address sent by the second subscription message is the second address.
By distinguishing the addresses sent by the first subscription message and the second subscription message, the target bank can determine the business operation to be executed according to the interface of the received information, so that the business flow in the process of the non-secret payment subscription is reduced, and the processing efficiency of the non-secret payment subscription is improved.
Further, based on the above embodiment, a further embodiment of the present disclosure of the payment-free subscription method is provided. In this embodiment, referring to fig. 4, the step of obtaining, according to the preset parameter type, the configuration parameter of the target payment channel in the 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 a bank identifier corresponding to the target bank in the first signing request, wherein the preset parameter type comprises an interface parameter corresponding to the signing interface address and a key parameter corresponding to the public key, and the configuration parameter comprises the signing interface address and the public key.
In this embodiment, the preset parameter types include at least two types of parameters including an interface parameter and a key parameter, where the interface parameter includes a sign interface address when the gateway device interfaces with the target bank, for example, the first address and the second address in the foregoing embodiment both belong to the sign interface address; the key parameters include keys required when 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 subscription message and the second subscription message and decrypting the return message of the target bank; for security, the interaction messages between the gateway device and the target bank are asymmetrically encrypted by the public key and the private key respectively.
Optionally, the bank identifiers corresponding to the banks are stored in association with the corresponding configuration parameters, and when the gateway device determines the target bank to be signed and the corresponding bank identifier according to the first signing request, the configuration parameters of the target bank, namely 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 configuration parameters corresponding to the banks are uniformly acquired by acquiring the signing interface address and the public key corresponding to the target bank according to the bank identification, the configuration parameters are ensured to be in accordance with the preset parameter types, and the practically required parameter types and configuration parameters are prevented from being determined according to the banks when the client is in butt joint with the banks, so that the workload generated by the butt joint with the banks when the client is developed is reduced, and the development speed of the secret payment-free function of the digital RMB of the client is improved.
Further, in this embodiment, the step of sending the second subscription request to the target bank according to the configuration parameter 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 subscription request to the target bank.
The key value pair means that a corresponding value, namely "key=value", can be obtained through one key value, and each parameter in the configuration parameters has a corresponding key value pair. Optionally, determining a character string of the parameter key value pair corresponding to the configuration parameter, and signing the character string by using the public key to generate a second signing request.
The security of the second signing request obtained through public key encryption can be improved by signing the parameter key value pair corresponding to the configuration parameter by utilizing the public key, the signature content comprises the parameter key value pair of the configuration parameter, and the target bank can acquire the corresponding configuration parameter according to the parameter key value pair after decrypting the second signing request, so that subsequent signing operation is executed, and the security and the processing efficiency of the secret payment-free signing process are improved.
Further, based on the above embodiment, a further embodiment of the present disclosure of the payment-free subscription method is provided. In this embodiment, referring to fig. 5, after the step of receiving the first subscription request of the client for free-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, such as name information and identity card number information, of the current user of the client, and also belongs to user identification information.
Step S102, determining whether the client has contracted with the target payment channel according to the identity information;
optionally, in this embodiment, because the two parties actually signing a contract are the current user of the client and the target payment channel, and the private payment-free signing a contract is performed by the user and the bank in real name, in order to avoid repeated signing, after receiving the first signing request, the gateway device may query whether the user has already signed a contract with the target payment channel according to the identity information thereof.
Step S103, when no subscription is determined, executing the step of determining the preset parameter type of the subscription without dense payment, 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 determining that the subscription is not made, the gateway device may perform a subsequent step of the method for subscription without dense payment, to complete subscription without dense payment between the user and the target payment channel.
Step S104, when the signed contract is determined, error reporting information is sent to the client.
Optionally, when determining that the subscription has been made, in order to avoid repeated subscription, error reporting information is sent to the client, so that the client outputs the error reporting information to notify the user that the subscription has been made, and the gateway device stops executing the step of signing with the target payment channel.
And (3) determining whether the client (corresponding to the current user of the client) signs a contract with the target payment channel to avoid the situation that repeated signs lead to data disorder or not in advance through the identity information corresponding to the client, and improving the robustness of the contract signing process of the contract without the secret payment.
In addition, the embodiment of the invention also provides a storage medium, and the storage medium stores a secret payment-free signing program, and when the secret payment-free signing program is executed by a processor, the relevant steps of any embodiment of the secret payment-free signing method are realized.
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 phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on this understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) as described above, including several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.
Claims (8)
1. The secret payment-free signing method is characterized by being applied to gateway equipment and comprises the following steps of:
when a first subscription request of the client-side free-payment is received, determining a preset parameter type of the free-payment subscription, and acquiring configuration parameters of a target payment channel in a target bank corresponding to the first subscription 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;
receiving the signing result and sending corresponding notification information to the client according to the signing result;
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 includes:
determining a first address of the target bank, and sending the first subscription message to the first address according to the configuration parameters so that the target bank sends first verification information to the client according to the first subscription message;
receiving second verification information sent by the client based on the first verification information;
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, 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;
the first address and the second address are interface addresses corresponding to two different interfaces of the target bank, and interaction messages between the gateway equipment and the target bank are asymmetrically encrypted through corresponding public keys and private keys.
2. The method of claim 1, wherein the step of sending the first subscription message to the first address 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 subscription message to the first address 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 subscription message.
3. The 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 subscription request according to the preset parameter type includes:
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 an interface parameter corresponding to the signing interface address and a key parameter corresponding to the public key, and the configuration parameter comprises the signing interface address and the public key.
4. A method of payment-less sign-up as recited in claim 3 wherein the step of sending a second sign-up request to the target bank in accordance with the configuration parameters comprises:
signing the parameter key value pair corresponding to the configuration parameter by the public key of the target bank to generate the second signing request;
and sending the second subscription request to the target bank.
5. A method of payment-less sign-up as claimed in any one of claims 1 to 4 wherein, after the step of receiving the first sign-up request for payment-less by the client, further comprises:
determining identity information corresponding to the client according to the first subscription request;
determining whether the client has contracted with the target payment channel according to the identity information;
when no subscription is determined, executing the preset parameter type for determining the subscription without dense payment, and acquiring configuration parameters of a target payment channel in a target bank corresponding to the first subscription request according to the preset parameter type;
and when the subscription is determined, sending error reporting information to the client.
6. A method of payment-less subscription according to any one of claims 1 to 4, wherein the step of sending corresponding notification information to the client in accordance with 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 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.
7. A gateway device, the gateway device comprising: a memory, a processor and a non-secure payment subscription program stored on the memory and executable on the processor, the non-secure payment subscription program configured to implement the steps of the non-secure payment subscription method of any one of claims 1 to 6.
8. A storage medium having stored thereon a non-secure payment subscription program which when executed by a processor performs the steps of the non-secure payment subscription method of any one of claims 1 to 6.
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Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018076607A1 (en) * | 2016-10-31 | 2018-05-03 | 华为技术有限公司 | Transaction method, payment device, verification device and server |
| WO2021147296A1 (en) * | 2020-01-23 | 2021-07-29 | 中国银联股份有限公司 | Qr code payment method and system employing mobile phone business card |
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| CN113496407A (en) * | 2020-03-21 | 2021-10-12 | 网联清算有限公司 | Contract signing application processing method and device, electronic equipment and storage medium |
| CN112801660B (en) * | 2021-01-28 | 2024-02-23 | 中国工商银行股份有限公司 | Secret subscription-free method and device of payment protocol |
| CN113988844A (en) * | 2021-11-09 | 2022-01-28 | 中国银行股份有限公司 | Service subscription method, device and system |
| CN114219480A (en) * | 2021-12-09 | 2022-03-22 | 杭州每刻科技有限公司 | Multi-channel fee-control quick payment method and system |
| CN115689706A (en) * | 2022-10-21 | 2023-02-03 | 广州市玄武无线科技股份有限公司 | One-stop type banking business signing system |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018076607A1 (en) * | 2016-10-31 | 2018-05-03 | 华为技术有限公司 | Transaction method, payment device, verification device and server |
| WO2021147296A1 (en) * | 2020-01-23 | 2021-07-29 | 中国银联股份有限公司 | Qr code payment method and system employing mobile phone business card |
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