CN115879951A - Polymerization payment platform - Google Patents
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- CN115879951A CN115879951A CN202211632187.8A CN202211632187A CN115879951A CN 115879951 A CN115879951 A CN 115879951A CN 202211632187 A CN202211632187 A CN 202211632187A CN 115879951 A CN115879951 A CN 115879951A
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Abstract
The invention belongs to the technical field of network payment, and particularly relates to an aggregation payment platform which comprises an application service system and an operation management system; the application service system is used for carrying out the aggregation payment service; the operation management system comprises a channel management module, an order management module and a payment management module; the channel management module is used for setting the functional authority of the payment channel, adjusting the opening and closing of the payment channel and configuring the functional parameters of the payment channel; the order management module is used for inquiring the states of recharging, trading, cash withdrawal and refund orders of the merchant; the payment management module is used for setting the payment mode of the cashier according to the requirements of the merchant. The invention can support a plurality of payment modes and can assist the merchant to carry out other business activities.
Description
Technical Field
The invention belongs to the technical field of network payment, and particularly relates to an aggregation payment platform.
Background
With the wide application of electronic commerce, the payment of third parties is rapidly developed, and the payment modes which can be selected by people in daily life are also developed towards diversification and convenience. With the overall expansion of the mobile payment market, more and more places are available for people to provide mobile payment services.
Supermarkets, shopping malls, convenience stores, drug stores, restaurants and the like can use mobile phones to complete payment, and a primary perfect payment network is formed. When people pay, people can select a plurality of payment modes. In recent years, the division of labor in the payment industry is becoming more specialized and refined, and different payers and merchants also put new demands on online payment. The third party payment platform represented by the Payment treasures sometimes has a careless effect on the constantly changing requirements of users due to the defects of structure, function, safety and flow design. Based on the above, the aggregated payment between the bank, the third party payment and the merchant has the characteristic of being customized according to the needs of the merchant, and has the advantages of neutrality, flexibility, convenience and the like, so that the aggregated payment has certain market share in the internet payment field. The aggregated payment is a 'diversified' payment mode combining a plurality of payment modes such as Paibao, weChat payment, flower payment and wing payment. Through aggregate payment, a customer can freely select a payment treasure or a WeChat payment tool for payment when paying; the merchant does not need to worry about the payment mode of the buyer conflicting with the self-payment tool.
However, the existing aggregation payment systems are limited in functions, most of the existing aggregation payment systems only stay in simple operation, and merchants still have trouble analyzing their own running water and optimizing cash flow.
Therefore, there is a need for an aggregated payment platform that can support multiple payment methods and assist merchants to conduct other business activities.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides an aggregation payment platform which can assist merchants to conduct other business activities besides supporting multiple payment modes.
In order to solve the technical problems, the invention adopts the following technical scheme:
an aggregated payment platform comprises an application service system and an operation management system; the application service system is used for carrying out the aggregated payment service;
the operation management system comprises a channel management module, an order management module and a payment management module; the channel management module is used for setting the functional authority of the payment channel, adjusting the opening and closing of the payment channel and configuring the functional parameters of the payment channel; the order management module is used for inquiring the states of recharging, trading, cash withdrawal and refund orders of the merchant; the payment management module is used for setting the payment mode of the cashier according to the requirements of the merchant.
Preferably, the application service system comprises an API access module, a merchant service module, an application service module, a personal service module, a business service module and a gateway service module;
the API access module is used for the access of the merchant, real name authentication, access flow control and the discrimination of a black list and a white list; the merchant service module is used for the merchant to open a fund account, recharge, cash withdrawal, password management and balance receipt and payment detail query; the application service module is used for identity authentication before a merchant opens a fund account, and the identity authentication comprises enterprise real-name authentication and personal real-name authentication; the personal service module is used for personal account transfer and billing service; the business service module is used for payment transaction, recharging and cash-out service, refund and account service of a merchant; the gateway service module is used for externally connecting the bank gateway and the card holding mechanism payment gateway and confirming the payment request information.
Preferably, the application service system further comprises a settlement accounting service module for clearing, calculating and recording the transaction details and the transaction result.
Preferably, the operation management system further includes a system management module, configured to assign a system role to the merchant, and assign a system authority to the merchant according to the system role.
Preferably, when the system management module allocates the system authority for the merchant, the allocated authority includes an operation authority and/or a management authority item, and the operation authority includes a conventional operation item and an operation item to be authenticated; the operation items to be authenticated are operation items which can be carried out only after passing the preset identity authentication;
the operation management system is further used for identifying whether the operation request carries an operation item to be authenticated or not when receiving the operation request of the merchant, sending identity authentication information to the merchant if the operation request carries the operation item to be authenticated, and allowing the corresponding operation item to be authenticated only after the identity authentication of the merchant is passed.
Preferably, 2 mobile phone numbers reserved by the merchant and used for identity authentication are stored in the system management module; the self-identification authentication comprises the steps that after an operation management system sends identity authentication information to a merchant, a verification digital group is sent to a mobile phone number reserved by the merchant, and the number of digits in the verification digital group is more than or equal to 3; sending a verification calculation rule to another mobile phone number reserved by the merchant, wherein the verification calculation rule is a calculation rule for verifying numbers in the number group; if the operation management system receives the verification number sent by the merchant and is equal to the numerical value obtained by the number in the verification number group through calculation according to the verification calculation rule, the current identity verification is passed.
Preferably, the operation management system further includes a merchant management module, configured to record, store, modify, and query basic information of the merchant on opening the payment account.
Preferably, the operation management system further comprises an account management module for freezing or unfreezing the fund account of the merchant.
Compared with the prior art, the invention has the following beneficial effects:
1. the application service system of the invention can meet the conventional aggregated payment requirement of merchants. Besides, the platform is provided with an operation management system, and the operation management system comprises a channel management module, an order management module and a payment management module. Through the modules in the operation management system, a merchant can conveniently inquire the states of order forms of charging, trading, withdrawal and refund so as to better analyze the flow of the merchant; the payment channel can be set and modified superficially; the checkout counter payment method can also be set. By means of the arrangement, the aggregated payment requirements of the merchants can be met, and the merchants can be assisted in conducting other business activities.
In conclusion, the invention can support various payment modes and can assist the merchant to perform other business activities.
2. When the merchant is in risk warning, the platform can temporarily freeze the fund account, so that the overall risk of the platform is controlled.
3. For some merchants with larger daily transaction amount, if some operations of the merchants, such as cash withdrawal or transfer to unspecified accounts, are not operated by the merchant boss (such as account number theft or mobile phone theft with merchant end APP), great loss is likely to be brought to the merchants. In order to prevent the above situation, in the present invention, when the operation management system receives the operation request of the merchant, it is identified whether the operation request carries the operation item to be authenticated, if the operation request carries the operation item to be authenticated, the operation management system sends the identity authentication information to the merchant, and the corresponding operation item to be authenticated is allowed after the identity authentication of the merchant is passed.
4. Conventional identification methods, such as fingerprint identification or facial identification, all have the risk that identification information is stolen. Different from the conventional identity authentication, the system provides a brand new identity authentication mode. After the operation management system sends the identity authentication information to the merchant, a verification number group (such as (5, 7, 9 and 4)) is sent to a mobile phone number reserved by the merchant; and sending a verification calculation rule to another mobile phone number reserved by the merchant, wherein the verification calculation rule is a calculation rule for verifying numbers in the number group, such as (after multiplying the 1 st number by the 3 rd number, adding the 2 nd number, and subtracting the 4 th number); if the operation management system receives the verification number sent by the merchant, and the verification number is equal to a value (i.e. 48, specifically 5 × 9+7-4= 48) calculated by the number in the verification number group according to the verification calculation rule, the current identity verification is passed. In the verification mode, if the merchant verifies himself, the operation is not too complicated, and only simple operation is needed; if other personnel perform a behavior which may cause great economic loss to the merchant, the other personnel need to simultaneously acquire the information on the 2 mobile phones reserved by the user to achieve the purpose of the other personnel, and the difficulty is very high. By using the system, the related benefits of the merchant can be ensured to be free from being damaged as much as possible.
Drawings
For purposes of promoting a better understanding of the objects, aspects and advantages of the invention, reference will now be made in detail to the present invention as illustrated in the accompanying drawings, in which:
fig. 1 is a logic block diagram in the first embodiment.
Detailed Description
The following is further detailed by the specific embodiments:
example one
As shown in fig. 1, the present embodiment discloses an aggregated payment platform, which includes an application service system and an operation management system.
The application service system is used for carrying out the aggregation payment service. Specifically, the application service system comprises an API access module, a merchant service module, an application service module, a personal service module, a business service module, a gateway service module and a clearing and accounting service module.
The API access module is used for the merchant admittance, real name authentication, access flow control and black and white list discrimination. The merchant service module is used for the merchant to open a fund account, recharge, cash withdrawal, password management and balance receipt and payment detail query. The application service module is used for identity authentication before a merchant opens a fund account, and the identity authentication comprises enterprise real-name authentication and personal real-name authentication. The personal service module is used for personal account transfer and billing services. The business service module is used for payment transaction, charging and withdrawal, refund and account service of the merchant. The gateway service module is used for externally connecting a bank gateway and a card holding mechanism payment gateway to confirm payment request information. And the clearing financial service module is used for clearing, calculating and recording the transaction details and the transaction result.
The operation management system comprises a channel management module, an order management module, a payment management module, a merchant management module, an account management module and a system management module. The channel management module is used for setting the functional authority of the payment channel, adjusting the opening and closing of the payment channel and configuring the functional parameters of the payment channel. The order management module is used for inquiring the states of the order of charging, trading, cash withdrawal and refund of the merchant. The payment management module is used for setting the payment mode of the cash register according to the requirements of the merchant. The merchant management module is used for recording, storing, modifying and inquiring basic information of the merchant for opening the payment account. The account management module is used for freezing or unfreezing the fund account of the merchant, so that when the merchant is in a risk warning condition, the platform can temporarily freeze the fund account, and the overall risk of the platform is controlled. The system management module is used for allocating system roles for the merchants and allocating system authority for the merchants according to the system roles.
The platform integrates the functions of order management, merchant management, channel management, system management and gateway management, and provides payment API output capability for the service platform with payment demand in a unified way. And accessing services such as account opening, online payment, fund management, certificate downloading, financial reconciliation and the like for the merchant. In specific implementation, the working process is as follows:
channel management: the system administrator configures and manages basic information of the third-party payment channel, and performs operations such as addition, modification, deletion and the like to update the system payment channel; the channel function: the system administrator configures a plurality of functional information of the payment channel, including information such as a channel name, a channel code, an API interface calling address, information encryption parameters and the like. Channel opening: after the channel function configuration is completed, a payment channel and a channel function are opened for the merchant, and necessary parameter values of the channel corresponding to the merchant are configured, so that the merchant can carry out payment operation.
Merchant management: managing a payment system merchant, wherein the merchant needs to use a polymerization payment platform, and needs to increase merchant information and open a fund account; opening an account by a merchant: the method comprises the steps that real-name authentication is needed before account opening to screen authenticity and reliability of a merchant, after the real-name authentication is successful, the merchant calls a payment channel API interface, fills in necessary parameters of the interface, uploads a qualification file, receives and submits an account opening request, waits for channel audit, and after the channel audit is passed, a fund account is opened successfully; and (3) merchant parameter configuration: after the merchant successfully opens the account, the merchant needs to be configured with a merchant service (payment original data) data source (database) to request address information, and the address information is informed by an asynchronous result.
Account management: the method comprises the steps that a merchant channel with successful account opening generates a corresponding payment account number, under the account number, operation management personnel can inquire records such as payment account information, account moving information, payment transaction running water, recharge and withdrawal running water and refund running water of the merchant after logging in, and when the merchant has a risk warning condition, a platform operates to temporarily freeze/unfreeze the fund account, so that the risk of the platform is controlled.
Order management: and counting transaction order information of the merchant on the payment platform, wherein the transaction order information comprises a recharge order, a payment order, a cash withdrawal order and a refund order, counting payment data (order) of various transaction states (to be submitted, in processing, success and failure) of the merchant, and counting payment amount statistical information.
And (3) payment management: the user enters a common list to be paid, the system pulls the list of data to be paid from the merchant configuration address, selects the list of data to be paid, submits a payment request, returns a payment result, updates the payment state when the result is processing, and corrects the payment information and re-initiates the payment request after the payment is cancelled when the payment is failed; and (4) withdrawal: and (4) the excess amount in the third party payment account bound by the merchant executes roll-out operation, and the bank card and the related information of the bank card are input, so that cash withdrawal can be executed.
And (3) system management: system configuration: configuring information such as system basic setting parameters, error dictionaries, service dictionaries and the like; system authority: and configuring system function authority, system menu, request interception rule and system authority information for the system.
And (3) role management: managing roles in the system, adding, deleting, modifying and checking a permission list, and setting role permission information; and allocating system roles for the merchants, and allocating system authority for the merchants according to the system roles.
The application service system of the invention can meet the conventional aggregated payment requirement of merchants. Besides, the platform is provided with an operation management system, and the operation management system comprises a channel management module, an order management module and a payment management module. Through the modules in the operation management system, a merchant can conveniently inquire the states of order forms of recharging, trading, withdrawal and refund so as to better analyze the self flow; the setting and modification of the payment channel can be performed superficially; the checkout counter payment method can also be set. By means of the arrangement, the aggregated payment requirements of the merchants can be met, and the merchants can be assisted in conducting other business activities. In conclusion, the invention can support various payment modes and can assist the merchant to perform other business activities.
Example two
Different from the first embodiment, in the present embodiment:
when the system management module allocates the system authority for the merchant, the allocated authority comprises an operation authority and/or a management authority item, and the operation authority comprises a conventional operation item and an operation item to be authenticated; the operation items to be authenticated are operation items which can be carried out only after passing the preset identity authentication;
the operation management system is further used for identifying whether the operation request carries an operation item to be authenticated or not when receiving the operation request of the merchant, sending identity authentication information to the merchant if the operation request carries the operation item to be authenticated, and allowing the corresponding operation item to be authenticated only after the identity authentication of the merchant is passed.
2 reserved mobile phone numbers for identity authentication of the commercial tenant are stored in the system management module; the self-identification authentication comprises the steps that after an operation management system sends identity authentication information to a merchant, a verification digital group is sent to a mobile phone number reserved by the merchant, and the number of digits in the verification digital group is more than or equal to 3; sending a verification calculation rule to another mobile phone number reserved by the merchant, wherein the verification calculation rule is a calculation rule for verifying numbers in the number group; if the operation management system receives the verification number sent by the merchant and is equal to the numerical value obtained by the number in the verification number group through calculation according to the verification calculation rule, the current identity verification is passed.
For some merchants with larger daily transaction amount, if some operations of the merchants, such as cash withdrawal or transfer to unspecified accounts, are not operated by the merchant boss (such as account number theft or mobile phone theft with merchant end APP), great loss is likely to be brought to the merchants. Conventional identification methods, such as fingerprint identification or face identification, all have the risk of stealing identification information. In order to prevent the above situation, in the present invention, when the operation management system receives the operation request of the merchant, it is identified whether the operation request carries the operation item to be authenticated, if the operation request carries the operation item to be authenticated, the operation management system sends the identity authentication information to the merchant, and the corresponding operation item to be authenticated is allowed after the identity authentication of the merchant is passed.
And, different from the conventional identity authentication, the system provides a brand-new identity authentication mode. After the operation management system sends the identity authentication information to the merchant, a verification number group (such as (5, 7, 9 and 4)) is sent to a mobile phone number reserved by the merchant; and sending a verification calculation rule to another mobile phone number reserved by the merchant, wherein the verification calculation rule is a calculation rule for verifying numbers in the number group, such as (after multiplying the 1 st number by the 3 rd number, adding the 2 nd number, and subtracting the 4 th number); if the operation management system receives a verification number sent by the merchant, where the verification number is equal to a value (i.e. 48, specifically 5 × 9+ 7-4=48) calculated by the number in the verification number group according to the verification calculation rule, the current authentication is passed. In the verification mode, if the merchant verifies himself, the operation is not too complicated, and only simple operation is needed; if other personnel perform a behavior which may cause great economic loss to the merchant, the other personnel need to simultaneously acquire the information on the 2 mobile phones reserved by the user to achieve the purpose of the other personnel, and the difficulty is very high. By using the system, the related benefits of the merchant can be ensured to be free from being damaged as much as possible.
Finally, it should be noted that the above embodiments are only used for illustrating the technical solutions of the present invention and not for limiting the technical solutions, and those skilled in the art should understand that modifications or equivalent substitutions can be made on the technical solutions of the present invention without departing from the spirit and scope of the technical solutions, and all that should be covered by the claims of the present invention.
Claims (8)
1. An aggregated payment platform, comprising: the system comprises an application service system and an operation management system; the application service system is used for carrying out the aggregated payment service;
the operation management system comprises a channel management module, an order management module and a payment management module; the channel management module is used for setting the functional authority of the payment channel, adjusting the opening and closing of the payment channel and configuring the functional parameters of the payment channel; the order management module is used for inquiring the states of the order form of recharging, trading, withdrawal and refund of the merchant; the payment management module is used for setting the payment mode of the cashier according to the requirements of the merchant.
2. The aggregated payment platform of claim 1, wherein: the application service system comprises an API access module, a merchant service module, an application service module, a personal service module, a business service module and a gateway service module;
the API access module is used for the access of the merchant, real-name authentication, access flow control and black and white list discrimination; the merchant service module is used for the merchant to open a fund account, recharge, cash withdrawal, password management and balance receipt and payment detail query; the application service module is used for identity authentication before a merchant opens a fund account, and the identity authentication comprises enterprise real-name authentication and personal real-name authentication; the personal service module is used for personal account transfer and billing service; the business service module is used for payment transaction, recharging, withdrawal, refund and account service of the merchant; the gateway service module is used for externally connecting the bank gateway and the card holding mechanism payment gateway and confirming the payment request information.
3. The aggregated payment platform of claim 2, wherein: the application service system also comprises a settlement accounting service module which is used for clearing, calculating and recording the transaction details and the transaction results.
4. The aggregated payment platform of claim 1, wherein: the operation management system also comprises a system management module which is used for allocating system roles for the merchants and allocating system authority for the merchants according to the system roles.
5. The converged payment platform of claim 4, wherein: when the system management module distributes the system authority for the merchant, the distributed authority comprises operation authority and/or management authority, and the operation authority comprises a conventional operation item and an operation item needing authentication; the operation items needing to be authenticated are operation items which can be carried out only after passing through preset identity authentication;
the operation management system is further used for identifying whether the operation request carries an operation item to be authenticated or not when receiving the operation request of the merchant, sending identity authentication information to the merchant if the operation request carries the operation item to be authenticated, and allowing the corresponding operation item to be authenticated only after the identity authentication of the merchant is passed.
6. The converged payment platform of claim 5, wherein: 2 reserved mobile phone numbers for identity authentication of the commercial tenant are stored in the system management module; the identity authentication comprises the steps that after the operation management system sends identity authentication information to a merchant, a verification digital group is sent to a mobile phone number reserved by the merchant, and the number of digits in the verification digital group is more than or equal to 3; sending a verification calculation rule to another mobile phone number reserved by the merchant, wherein the verification calculation rule is a calculation rule for verifying numbers in the number group; if the operation management system receives the verification number sent by the merchant and is equal to the numerical value obtained by the number in the verification number group through calculation according to the verification calculation rule, the current identity verification is passed.
7. The aggregated payment platform of claim 1, wherein: the operation management system also comprises a merchant management module which is used for recording, storing, modifying and inquiring the basic information of the merchant for opening the payment account.
8. The converged payment platform of claim 1, wherein: the operation management system also comprises an account management module used for freezing or unfreezing the fund account of the merchant.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211632187.8A CN115879951A (en) | 2022-12-19 | 2022-12-19 | Polymerization payment platform |
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| CN202211632187.8A CN115879951A (en) | 2022-12-19 | 2022-12-19 | Polymerization payment platform |
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| CN115879951A true CN115879951A (en) | 2023-03-31 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117391689A (en) * | 2023-10-18 | 2024-01-12 | 广东抱谷科技有限公司 | Payment control method, device and storage medium for multi-channel data processing |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117391689A (en) * | 2023-10-18 | 2024-01-12 | 广东抱谷科技有限公司 | Payment control method, device and storage medium for multi-channel data processing |
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