CN116503066A - Payment method and device - Google Patents

Payment method and device Download PDF

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Publication number
CN116503066A
CN116503066A CN202310262886.6A CN202310262886A CN116503066A CN 116503066 A CN116503066 A CN 116503066A CN 202310262886 A CN202310262886 A CN 202310262886A CN 116503066 A CN116503066 A CN 116503066A
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CN
China
Prior art keywords
transaction
information
payment
verification information
transaction verification
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202310262886.6A
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Chinese (zh)
Inventor
侯君健
韦珺瀚
黄吉林
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Construction Bank Corp
CCB Finetech Co Ltd
Original Assignee
China Construction Bank Corp
CCB Finetech Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by China Construction Bank Corp, CCB Finetech Co Ltd filed Critical China Construction Bank Corp
Priority to CN202310262886.6A priority Critical patent/CN116503066A/en
Publication of CN116503066A publication Critical patent/CN116503066A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Abstract

The invention discloses a payment method and device, and relates to the technical field of big data analysis. One embodiment of the method comprises the following steps: responding to an acquisition request of transaction verification information, obtaining transaction attribute information from the acquisition request, and generating transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends a payment request with the transaction verification information; and in response to receiving the payment request, judging whether transaction verification information exists in the payment request, and under the condition that the transaction verification information exists in the payment request, inquiring the transaction verification information as an inquiry condition to pay according to an inquiry result. According to the embodiment, fine granularity accurate management and control of payment is realized, transaction risks are avoided, and the rights and interests of consumers are guaranteed to the greatest extent.

Description

Payment method and device
Technical Field
The invention relates to the technical field of big data analysis, in particular to a payment method and device.
Background
With the development of internet information technology, electronic payment has become a mainstream transaction mode, especially in a large-amount fund transaction scene of real estate transaction, the mainstream real estate fund payment mode at present is mainly based on conventional POS (point of sale terminal) payment and special POS payment, the conventional POS payment is specified by a POS machine to pay fees, a house buyer swipes a card for transaction and then enters a real estate supervision system for accounting, and funds enter a supervision account; and inquiring an order from the order system by the special POS payment according to the input payment bill number, returning the payment fee for the house buyer to swipe the card for payment, informing the house property supervision system to modify the order state and account after the payment is successful, and enabling funds to enter the supervision account.
In the process of implementing the present invention, the inventor finds that the following problems exist in the prior art:
the conventional POS payment mode needs to manually maintain the association relation between the payment funds and the service after the card swiping transaction, and has the risk of funds stealing before the funds enter the supervision account, which is not beneficial to funds supervision; although the special POS payment solves the problem of conventional POS payment, the special POS payment can also be used for monitoring and limiting payment channels (such as a Unionpay, an online banking, a counter and the like), but the special POS payment cannot be used for monitoring transaction activities in a finer granularity, and the special POS payment cannot accurately and flexibly carry out collection management and control on a collection party which does not meet the requirements.
Disclosure of Invention
In view of this, an embodiment of the present invention provides a payment method and apparatus, according to an acquisition request of transaction verification information, generating transaction verification information corresponding to transaction attribute information, using the transaction verification information in the payment request as a precondition for payment, and under the condition that the payment request has the transaction verification information, querying the transaction verification information as a query condition for payment information, obtaining a query result, and performing payment. The embodiment of the invention realizes the fine-granularity accurate management and control of payment, and only the payment request with transaction verification information allows the subsequent payment flow, so that the risk of large-amount funds transaction is avoided, and the rights and interests of consumers are ensured to the greatest extent.
To achieve the above object, according to one aspect of the embodiment of the present invention, there is provided a payment method, including:
responding to an acquisition request of transaction verification information, obtaining transaction attribute information from the acquisition request, and generating transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends a payment request with the transaction verification information;
judging whether transaction verification information exists in the payment request according to the received payment request, and inquiring payment information by taking the transaction verification information as an inquiry condition under the condition that the transaction verification information exists in the payment request so as to pay according to an inquiry result.
Optionally, before generating the transaction verification information corresponding to the transaction attribute information, the method includes: and according to the transaction attribute information, approving the acquisition request, and confirming approval passing.
Optionally, the transaction attribute information includes a supervisory account, bank information of the supervisory account, payment channel information, a service type and service item information; and according to the transaction attribute information, approving the acquisition request, including: checking the supervision account, the bank information of the supervision account, the payment channel information, the service type and the service item information; and under the condition that verification is passed, obtaining the additional approval information from the acquisition request, and approving the additional approval information.
Optionally, generating transaction verification information corresponding to the transaction attribute information includes: generating transaction verification information according to a preset mapping rule according to the attribute value of the transaction attribute information; or, setting preallocated preset verification information as an enabling state, taking the preset verification information as transaction verification information, and establishing a corresponding relation between the transaction attribute information and the transaction verification information.
Optionally, carrying out payment information query by taking the transaction verification information as a query condition, including: judging whether the transaction verification information meets preset supervision requirements or not; and inquiring payment information corresponding to the payment request under the condition of meeting the supervision requirement.
Optionally, the regulatory requirement includes a list of transaction attributes; judging whether the transaction verification information meets the preset supervision requirement or not comprises the following steps: analyzing the transaction verification information to obtain at least one transaction attribute information; matching each transaction attribute information with the transaction attribute list; if the matching of each transaction attribute information fails, the transaction verification information accords with the supervision requirement; otherwise, the transaction acceptance information does not meet the regulatory requirements.
Optionally, the regulatory requirement further includes a logical combination list of transaction attributes; judging whether the transaction verification information meets the preset supervision requirement or not comprises the following steps: analyzing the transaction verification information to obtain at least one transaction attribute information; according to the logical combination list, carrying out logical calculation on the at least one transaction attribute information; matching the result of the logic calculation with the logic combination list; if the matching fails, the transaction verification information accords with the supervision requirement; otherwise, the transaction acceptance information does not meet the regulatory requirements.
Optionally, the transaction verification information has a valid period, and the payment request has a request time; before judging whether the transaction verification information meets the preset supervision requirement, the method further comprises the following steps: and determining that the request time does not exceed the valid period.
According to a second aspect of the embodiment of the present invention, there is provided a payment apparatus, including:
the transaction verification information generation module is used for responding to an acquisition request of transaction verification information, obtaining transaction attribute information from the acquisition request and generating transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends a payment request with the transaction verification information;
And the payment inquiry module is used for responding to the received payment request, judging whether transaction verification information exists in the payment request, and inquiring the transaction verification information serving as an inquiry condition to pay according to an inquiry result under the condition that the transaction verification information exists in the payment request.
Optionally, the payment device further includes an approval module, configured to: before transaction verification information corresponding to the transaction attribute information is generated, the acquisition request is approved according to the transaction attribute information, and approval passing is confirmed.
Optionally, the transaction attribute information includes a supervisory account, bank information of the supervisory account, payment channel information, a service type and service item information; the approval module is further configured to: checking the supervision account, the bank information of the supervision account, the payment channel information, the service type and the service item information; and under the condition that verification is passed, obtaining the additional approval information from the acquisition request, and approving the additional approval information.
Optionally, the payment inquiry module is further configured to: judging whether the transaction verification information meets preset supervision requirements or not; and inquiring payment information corresponding to the payment request under the condition of meeting the supervision requirement.
Optionally, the regulatory requirement includes a list of transaction attributes; the payment inquiry module is further used for: analyzing the transaction verification information to obtain at least one transaction attribute information; matching each transaction attribute information with the transaction attribute list; if the matching of each transaction attribute information fails, the transaction verification information accords with the supervision requirement; otherwise, the transaction acceptance information does not meet the regulatory requirements.
Optionally, the regulatory requirement further includes a logical combination list of transaction attributes; the payment inquiry module is further used for: analyzing the transaction verification information to obtain at least one transaction attribute information; according to the logical combination list, carrying out logical calculation on the at least one transaction attribute information; matching the result of the logic calculation with the logic combination list; if the matching fails, the transaction verification information accords with the supervision requirement; otherwise, the transaction acceptance information does not meet the regulatory requirements.
According to a third aspect of an embodiment of the present invention, there is provided an electronic device for payment, including:
one or more processors;
storage means for storing one or more programs,
The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method provided by the first aspect of the embodiments of the present invention.
According to a fourth aspect of embodiments of the present invention, there is provided a computer readable medium having stored thereon a computer program which when executed by a processor implements the method provided by the first aspect of embodiments of the present invention.
According to a fifth aspect of embodiments of the present invention, a computer program product is provided. A computer program product of an embodiment of the present application includes a computer program, which when executed by a processor implements a data query method provided by the embodiment of the present application.
One embodiment of the invention has the following advantages or benefits: obtaining transaction attribute information from an acquisition request in response to the acquisition request of the transaction verification information, and generating the transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends a payment request with the transaction verification information; in response to receiving the payment request, judging whether transaction verification information exists in the payment request; under the condition that transaction verification information is included in the payment request, the transaction verification information is used as a query condition to query the payment information, so that payment is performed according to the query result, the transaction verification information corresponding to the transaction attribute information is generated according to the acquisition request of the transaction verification information, the transaction verification information in the payment request is used as a precondition of payment, under the condition that the transaction verification information is included in the payment request, the transaction verification information is used as the query condition to query the payment information, the query result is obtained, the payment is performed, fine-grained accurate management and control of payment is realized, the follow-up payment flow is allowed only if the payment request with the transaction verification information is included, the risk of large-amount fund transaction is avoided, and the rights and interests of consumers are guaranteed to the greatest extent.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main flow of a method of payment according to one embodiment of the present application;
FIG. 2 is a flow chart of a method for obtaining transaction verification information according to an embodiment of the present invention;
FIG. 3 is a schematic flow chart of a payment method according to an embodiment of the present invention;
fig. 4 is a schematic diagram of a payment terminal device docking supervision system according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of the main modules of a payment device according to an embodiment of the present invention;
FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;
fig. 7 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.
Detailed Description
It should be noted that, in the technical scheme of the invention, the acquisition, storage, use, processing and the like of the data all conform to the relevant regulations of national laws and regulations, and the public sequence is not violated.
Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
In the current large-amount funds electronic transaction activities, the conventional POS payment mode needs to manually maintain the association relation between the paid funds and the service after card swiping transaction, and the funds are at risk of being stolen before entering a supervision account, so that the funds supervision is not facilitated; although the special POS payment solves the problem of conventional POS payment, the special POS payment can also be used for monitoring and limiting payment channels (such as a Unionpay, an online banking, a counter and the like), but the special POS payment cannot be used for monitoring transaction activities in a finer granularity, cannot accurately and flexibly collect money for a payee who does not meet the requirements, and cannot well meet the actual application.
In order to solve the above problems in the prior art, the present invention provides a payment method, which generates transaction verification information corresponding to transaction attribute information according to an acquisition request of the transaction verification information, uses the transaction verification information in the payment request as a precondition of payment, and uses the transaction verification information as a query condition to query payment information to obtain a query result and perform payment under the condition that the transaction verification information is included in the payment request. The embodiment of the invention realizes the fine-granularity accurate management and control of payment, and only the payment request with transaction verification information allows the subsequent payment flow, so that the risk of large-amount funds transaction is avoided, and the rights and interests of consumers are ensured to the greatest extent.
Fig. 1 is a schematic diagram of main flow of a payment method according to an embodiment of the present application, and as shown in fig. 1, the payment method according to an embodiment of the present invention includes the following steps S101 to S102.
Step S101, responding to an acquisition request of transaction verification information, obtaining transaction attribute information from the acquisition request, and generating transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends the payment request with the transaction verification information.
Specifically, in a large-amount funds transaction activity such as a real estate transaction, a consumer needs to pay and pay necessary large-amount transaction funds, and in order to better ensure the safety of the transaction funds, the embodiment of the invention provides a payment method based on a special POS payment mode. The payment service party can be generally understood as a payee, and before the payment service is started, an acquisition request of transaction verification information needs to be sent to the supervision system, and the acquisition request generally takes transaction attribute information as a reference; the supervision system acquires corresponding transaction attribute information by analyzing the received payment request, generates corresponding transaction verification information according to the transaction attribute information, and returns the corresponding transaction verification information to the payment service party, wherein the transaction verification information is added when the payment service party sends out the subsequent payment request through the newly-added pushing interface of the transaction verification information.
According to one embodiment of the present invention, before generating transaction verification information corresponding to the transaction attribute information, the method includes: and according to the transaction attribute information, approving the acquisition request, and confirming approval passing.
Specifically, before the supervisory system returns the generated transaction verification information to the payment service party according to the received payment request, the acquisition request is preferably approved, and only if the approval passes, the transaction verification information corresponding to the transaction attribute information is allowed to be generated.
According to another embodiment of the present invention, the transaction attribute information includes a supervising account, bank information of the supervising account, payment channel information, a service type, and service item information; and according to the transaction attribute information, approving the acquisition request, including: checking the supervision account, the bank information of the supervision account, the payment channel information, the service type and the service item information; and under the condition that verification is passed, obtaining the additional approval information from the acquisition request, and approving the additional approval information.
Specifically, in the embodiment of the invention, the transaction attribute information comprises a supervision account, bank information of the supervision account, payment channel information, service type and service item information, and the supervision system performs completeness verification on the received transaction attribute information to determine that the received transaction attribute information has the supervision account, the bank information of the supervision account, the payment channel information, the service type and the service item information; if the completeness check passes through the supervision system, respectively carrying out content approval check on the supervision account, the bank information of the supervision account, the payment channel information, the business type and the business item information; and finally, according to the acquisition request, acquiring additional approval information, such as whether the transaction verification information is attached with a valid period or not, and performing approval if the content approval verification is passed.
According to still another embodiment of the present invention, generating transaction verification information corresponding to the transaction attribute information includes: generating transaction verification information according to a preset mapping rule according to the attribute value of the transaction attribute information; or, setting preallocated preset verification information as an enabling state, taking the preset verification information as transaction verification information, and establishing a corresponding relation between the transaction attribute information and the transaction verification information.
Specifically, under the condition that the approval passes, according to the specific attribute value of the transaction attribute information, according to a preset mapping rule, different transaction attribute information is allocated to corresponding transaction verification fields, and the attribute value of the different transaction attribute information is mapped to the value of the corresponding transaction verification field to generate transaction verification information, for example, for the transaction attribute: sequentially distributing a transaction verification field in sequence according to the bank information of the supervision account, the payment channel information, the business type and the business item information, and then mapping corresponding field values to each distributed field according to the mapping rule according to the account number of the supervision account, the bank number of the bank information of the supervision account, the channel number of the payment channel information, the business number of the business type and the item number of the business item information, and combining all the field values according to the field sequence to obtain the transaction verification information. A random code can also be generated as transaction verification information, and the transaction attribute information is stored in association with the random code so as to analyze the transaction verification information later; or selecting one of the preset verification information sets as pre-allocated preset verification information, setting the state of the preset verification information set as an enabling state, establishing a corresponding relation between the transaction attribute information and the preset verification information, and performing associated storage so as to analyze the transaction verification information later.
Fig. 2 is a flowchart illustrating a process for obtaining transaction verification information according to an embodiment of the present invention. The supervision system receives an acquisition request of transaction verification information sent by a payment service party through payment terminal equipment; obtaining transaction attribute information from the obtaining request, performing completeness verification on the transaction attribute information, and determining that the transaction attribute information has a supervision account, bank information of the supervision account, payment channel information, service type and service item information; after the completeness verification is passed, respectively carrying out content approval verification on the supervision account, the bank information of the supervision account, the payment channel information, the service type and the service item information in the transaction attribute information, and obtaining additional approval information according to the acquisition request after the content approval verification is passed, so as to carry out approval; after the approval passes, transaction verification information is generated and returned to the sender of the payment request, so that the sender of the payment request sends the payment request with the transaction verification information, and if the completeness verification fails or the content approval verification fails or the incidental approval information approval fails, transaction attribute information is not generated, and abnormal prompt information is sent to the sender of the payment request.
Step S102, in response to receiving the payment request, judging whether transaction verification information exists in the payment request, and under the condition that the transaction verification information exists in the payment request, inquiring the transaction verification information as an inquiry condition to carry out payment information so as to carry out payment according to an inquiry result.
According to one embodiment of the present invention, the transaction verification information is used as a query condition to query payment information, including: judging whether the transaction verification information meets preset supervision requirements or not; and inquiring payment information corresponding to the payment request under the condition of meeting the supervision requirement.
Specifically, taking a house property transaction as an example, a house buyer sends a house property payment request to a supervision system of a related supervision organization through a transaction contract or a payment bill number recorded by a POS machine, when the supervision system receives the house property payment request, the supervision system analyzes the payment request, and according to a contracted data format or an identification code of transaction verification information, whether the house property payment request has transaction verification information or not can be detected, the transaction verification information is used as admittance verification of house property fund transaction, the admittance verification needs to be acquired based on transaction attribute information, and the transaction attribute information characterizes necessary information of the request party for the payment request. If the transaction verification information is not available, the payment request is determined to be not in accordance with the supervision requirement, and the subsequent payment process is not performed.
Further, in the case that the real estate payment request received by the supervisory system has transaction verification information, the supervisory system also needs to query payment information according to the content of the detected transaction verification information. And taking the transaction verification information as a query condition, and allowing the supervision system to query the corresponding payment amount from the system database according to the payment bill number in the real estate payment request when the transaction verification information meets the preset supervision requirement, and returning the payment amount to the POS terminal so as to carry out subsequent transaction fund payment. The supervision system sets supervision requirements according to the service range and each supervision dimension, and adaptively adjusts the supervision requirements when policy factors or external factors change so as to flexibly and accurately monitor house property fund transactions, limit collection objects which do not meet the transaction requirements in time and ensure the security of transaction fund flow direction.
According to another embodiment of the invention, the regulatory requirements include a list of transaction attributes; judging whether the transaction verification information meets the preset supervision requirement or not comprises the following steps: analyzing the transaction verification information to obtain at least one transaction attribute information; matching each transaction attribute information with the transaction attribute list; if the matching of each transaction attribute information fails, the transaction verification information accords with the supervision requirement; otherwise, the transaction acceptance information does not meet the regulatory requirements.
According to yet another embodiment of the present invention, the transaction attribute information includes a supervising account, bank information of the supervising account, payment channel information, a service type, and service item information.
Specifically, content analysis is performed on the detected transaction verification information to obtain at least one transaction attribute information, and in the embodiment of the invention, the transaction verification information generally includes five transaction attribute information, and the corresponding attribute names are: the administrative account, the bank information of the administrative account, the payment channel information (e.g., banking, online banking, counter, third party payment, etc.), the business type (e.g., pre-sales, collection compensation, etc.), and the business item information (e.g., pre-sold specific item information, specific item information created for each business scenario, etc.). When the supervision system presets supervision requirements, a transaction attribute list comprising the attribute names of the transaction attribute information obtained by analysis is formulated according to the current policy and service scope and daily operation indexes of all monitored objects, and the transaction attribute list is mainly used for recording attributes which do not meet the requirements of the supervision system, including the transaction attribute names and the transaction attribute values, for example, the transaction attribute list can be formed by a certain specified supervision account, the transaction attribute list can be formed by a certain specified service item and a certain specified supervision account, and the corresponding transaction verification information is not required and is not allowed to be transacted if only one transaction attribute information obtained by analysis falls into the transaction attribute list. If all the transaction attribute information obtained by the analysis is failed to match, the transaction verification information is indicated to exist and meets the supervision requirement.
According to yet another embodiment of the invention, the regulatory requirements further comprise a logical combined list of transaction attributes; judging whether the transaction verification information meets the preset supervision requirement or not comprises the following steps: analyzing the transaction verification information to obtain at least one transaction attribute information; according to the logical combination list, carrying out logical calculation on the at least one transaction attribute information; matching the result of the logic calculation with the logic combination list; if the matching fails, the transaction verification information accords with the supervision requirement; otherwise, the transaction acceptance information does not meet the regulatory requirements.
Specifically, in addition to establishing the transaction attribute list in the above-mentioned supervision requirement, the transaction attributes may be flexibly logically combined, for example, a logical combination list with a supervision account being a and a service type being M as the transaction attributes. After the transaction verification information is analyzed to obtain transaction attribute information, the corresponding attribute information in the transaction attribute information is logically calculated according to the logic combination list and is matched with the logic combination list, and the fact that the transaction verification information exists and meets the supervision requirement is indicated under the condition that the matching fails. In addition, the transaction attribute list and the logic combination list can be combined into a supervision requirement comprising both the transaction attribute list and the logic combination list, so that the supervision system can flexibly and accurately control admittance of transaction funds.
According to yet another embodiment of the present invention, the transaction verification information has a valid period, and the payment request has a request time; before judging whether the transaction verification information meets the preset supervision requirement, the method further comprises the following steps: and determining that the request time does not exceed the valid period.
Specifically, the transaction verification information is a precondition for realizing payment, and considering the scientificity and rationality of supervision, the valid period can be set in the transaction verification information, the request time is attached when the request sender sends out a payment request, and the valid transaction verification information is only valid when the current request time does not exceed the valid period of the transaction verification information. If the effective period is exceeded, abnormal prompt information is sent to the request sender, and the follow-up payment flow is not allowed to be continued.
Fig. 3 is a schematic flow chart of a payment method according to an embodiment of the present invention. The supervision system receives the payment request, and firstly judges whether the payment request has transaction verification information or not; if the transaction verification information is available, judging whether the transaction verification information meets the preset supervision requirement, obtaining payment information by inquiring a payment list number in the payment request under the condition of meeting the supervision requirement, returning the payment information to a sender of the payment request for fund payment, and if the transaction verification information does not exist in the payment request or the transaction verification information does not meet the supervision requirement, failing to carry out the payment, returning abnormal prompt information to the sender of the payment request.
Fig. 4 is a schematic diagram of a payment terminal device docking supervision system according to an embodiment of the present invention. The payment service party sends a request (as shown in a figure (1)) for acquiring transaction verification information to the supervision system through a payment terminal device (POS); the supervision system examines and approves the acquisition request, and returns generated transaction verification information (shown in figure (2)) after the examination and approval is passed; the sending direction of the payment request sends a payment request with transaction verification information to a supervisory system (shown as a figure (3)), the supervisory system inquires the payment information by taking the transaction verification information as an inquiry condition, and returns an inquiry result to a payment terminal device (shown as a figure (4)); and after successful payment, the payment terminal equipment sends the payment success information to the supervision system (as shown in the figure (5)) so that the supervision system modifies the order state of the corresponding payment bill number, and after successful clearing, funds enter the supervision account, thereby realizing the butt joint of the payment terminal equipment and the supervision system.
In addition, the embodiment of the invention not only can optimize the existing payment method, but also is suitable for electronic transactions of other large funds, for example, in the electronic purchase transaction of large-scale machine equipment, a payment service party sends a request for acquiring transaction verification information to a supervision system of machine equipment transaction, the supervision system acquires corresponding transaction attribute information by analyzing the received payment request, and then generates corresponding transaction verification information according to the transaction attribute information and returns the corresponding transaction verification information to the payment service party so that a sender of the payment request sends the payment request with the transaction verification information; when a payment request of the machine equipment is received through the POS terminal, whether the received payment request has transaction verification information or not needs to be judged first, and subsequent payment verification is permitted only if the transaction verification information is provided; the supervision system inquires payment information by taking the transaction verification information as an inquiry condition, when the transaction verification information accords with a preset supervision requirement, namely the machine equipment transaction is verified, and when the machine equipment transaction belongs to a normal and safe transaction environment and a normal and safe transaction condition, the corresponding payment amount is inquired from a system database according to a payment bill number in a machine equipment payment request, and the payment amount is returned to the POS terminal so as to carry out subsequent transaction fund payment. Of course, the embodiment of the invention can also be used for scenes such as electronic transactions of precious jewelry and electronic transactions of artworks, and the like, and the embodiment is not particularly limited.
Fig. 5 is a schematic diagram of main modules of a payment apparatus according to an embodiment of the present invention. As shown in fig. 5, the payment device 500 mainly includes a transaction verification information generating module 501 and a payment inquiring module 502.
The transaction verification information generating module 501 is configured to obtain transaction attribute information from an acquisition request of transaction verification information in response to the acquisition request, and generate transaction verification information corresponding to the transaction attribute information, so that a sender of a payment request sends a payment request with the transaction verification information;
and the payment inquiry module 502 is configured to determine whether the payment request has transaction verification information in response to receiving the payment request, and inquire the payment information by using the transaction verification information as an inquiry condition when the payment request has the transaction verification information, so as to pay according to an inquiry result.
According to an embodiment of the present invention, the payment device 500 further includes an approval module (not shown in the drawings) for: before transaction verification information corresponding to the transaction attribute information is generated, the acquisition request is approved according to the transaction attribute information, and approval passing is confirmed.
According to another embodiment of the present invention, the transaction attribute information includes a supervisory account, bank information of the supervisory account, payment channel information, a service type and service item information, and the approval module (not shown in the figure) is further configured to: checking the supervision account, the bank information of the supervision account, the payment channel information, the service type and the service item information; and under the condition that verification is passed, obtaining the additional approval information from the acquisition request, and approving the additional approval information.
According to yet another embodiment of the present invention, the transaction verification information generating module 501 is further configured to: generating transaction verification information according to a preset mapping rule according to the attribute value of the transaction attribute information; or, setting preallocated preset verification information as an enabling state, taking the preset verification information as transaction verification information, and establishing a corresponding relation between the transaction attribute information and the transaction verification information.
According to an embodiment of the present invention, the payment query module 502 is further configured to: judging whether the transaction verification information meets preset supervision requirements or not; and inquiring payment information corresponding to the payment request under the condition of meeting the supervision requirement.
According to another embodiment of the invention, the regulatory requirements include a list of transaction attributes; the payment inquiry module 502 is further configured to: analyzing the transaction verification information to obtain at least one transaction attribute information; matching each transaction attribute information with the transaction attribute list; if the matching of each transaction attribute information fails, the transaction verification information accords with the supervision requirement; otherwise, the transaction acceptance information does not meet the regulatory requirements.
According to yet another embodiment of the invention, the regulatory requirements further comprise a logical combined list of transaction attributes; the payment inquiry module 502 is further configured to: analyzing the transaction verification information to obtain at least one transaction attribute information; according to the logical combination list, carrying out logical calculation on the at least one transaction attribute information; matching the result of the logic calculation with the logic combination list; if the matching fails, the transaction verification information accords with the supervision requirement; otherwise, the transaction acceptance information does not meet the regulatory requirements.
According to yet another embodiment of the present invention, the transaction verification information has a valid period, and the payment request has a request time; the payment device 500 further includes an aging verification module (not shown in the figure) for: and before judging whether the transaction verification information meets the preset supervision requirement, determining that the request time does not exceed the valid period.
FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be applied.
As shown in fig. 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604, and a server 605. The network 604 is used as a medium to provide communication links between the terminal devices 601, 602, 603 and the server 605. The network 604 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
A user may interact with the server 605 via the network 604 using the terminal devices 601, 602, 603 to receive or send messages, etc. Various communication client applications, such as a payment application, a funds payment application, etc. (for example only) may be installed on the terminal devices 601, 602, 603.
The terminal devices 601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.
The server 605 may be a server providing various services, such as a background management server (by way of example only) that supports payment made by a user using the terminal devices 601, 602, 603. The background management server can respond to the acquisition request of the transaction verification information, obtain the transaction attribute information from the acquisition request and generate the transaction verification information corresponding to the transaction attribute information so that a sender of the payment request sends a payment request with the transaction verification information; in response to receiving a payment request, judging whether transaction verification information exists in the payment request; and under the condition that transaction verification information is included in the payment request, inquiring payment information by taking the transaction verification information as an inquiry condition, performing payment and other processing according to an inquiry result, and feeding back a processing result (such as payment data and the like-only examples) to the terminal equipment.
It should be noted that, the payment method provided in the embodiment of the present invention is generally executed by the server 605, and accordingly, the payment device is generally disposed in the server 605.
It should be understood that the number of terminal devices, networks and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 7, there is illustrated a schematic diagram of a computer system 700 suitable for use in implementing a terminal device or server in accordance with an embodiment of the present invention. The terminal device or server shown in fig. 7 is only an example, and should not impose any limitation on the functions and scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, ROM702, and RAM703 are connected to each other through a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, and the like; an output portion 707 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 708 including a hard disk or the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. The drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read therefrom is mounted into the storage section 708 as necessary.
In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 709, and/or installed from the removable medium 711. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 701.
The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination thereof.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units involved in the embodiments of the present invention may be implemented in software or in hardware. The described units may also be provided in a processor, for example, described as: a processor comprising: and the transaction verification information generation module and the payment inquiry module.
The names of these modules do not constitute a limitation on the module itself in some cases, and for example, the transaction verification information generation module may also be described as "a module for obtaining transaction attribute information from an acquisition request of transaction verification information in response to the acquisition request, and generating transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends a payment request with the transaction verification information".
In another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the embodiment; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: responding to an acquisition request of transaction verification information, obtaining transaction attribute information from the acquisition request, and generating transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends a payment request with the transaction verification information; in response to receiving a payment request, judging whether transaction verification information exists in the payment request; and under the condition that the transaction verification information is contained in the payment request, inquiring the payment information by taking the transaction verification information as an inquiry condition so as to pay according to an inquiry result.
According to the technical scheme provided by the embodiment of the invention, the method has the following advantages or beneficial effects: obtaining transaction attribute information from an acquisition request in response to the acquisition request of the transaction verification information, and generating the transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends a payment request with the transaction verification information; in response to receiving the payment request, judging whether transaction verification information exists in the payment request, and under the condition that the transaction verification information exists in the payment request, inquiring the transaction verification information as inquiry conditions to perform payment according to the inquiry result, generating transaction verification information corresponding to transaction attribute information according to the acquisition request of the transaction verification information, taking the transaction verification information in the payment request as a precondition of payment, under the condition that the transaction verification information exists in the payment request, inquiring the transaction verification information as inquiry conditions to perform payment information to obtain the inquiry result, performing payment, realizing fine-granularity accurate management and control of payment, and only the payment request with the transaction verification information allows subsequent payment flow, avoiding the risk of large-amount fund transaction, and guaranteeing the benefit of consumers to the greatest extent.
The described embodiments do not limit the scope of the invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims (17)

1. A method of payment, comprising:
responding to an acquisition request of transaction verification information, obtaining transaction attribute information from the acquisition request, and generating transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends a payment request with the transaction verification information;
and in response to receiving the payment request, judging whether transaction verification information exists in the payment request, and under the condition that the transaction verification information exists in the payment request, inquiring the transaction verification information as an inquiry condition to pay according to an inquiry result.
2. The method of claim 1, wherein prior to generating transaction verification information corresponding to the transaction attribute information, the method comprises:
And according to the transaction attribute information, approving the acquisition request, and confirming approval passing.
3. The method of claim 2, wherein the transaction attribute information includes a policing account, banking information of the policing account, payment channel information, a business type, and business item information;
and according to the transaction attribute information, approving the acquisition request, including:
checking the supervision account, the bank information of the supervision account, the payment channel information, the service type and the service item information;
and under the condition that verification is passed, obtaining the additional approval information from the acquisition request, and approving the additional approval information.
4. The method of claim 1, wherein generating transaction verification information corresponding to the transaction attribute information comprises:
generating transaction verification information according to a preset mapping rule according to the attribute value of the transaction attribute information;
or, setting preallocated preset verification information as an enabling state, taking the preset verification information as transaction verification information, and establishing a corresponding relation between the transaction attribute information and the transaction verification information.
5. The method of claim 1, wherein querying payment information using the transaction verification information as a query condition comprises:
judging whether the transaction verification information meets preset supervision requirements or not;
and inquiring payment information corresponding to the payment request under the condition of meeting the supervision requirement.
6. The method of claim 5, wherein the regulatory requirements include a list of transaction attributes;
judging whether the transaction verification information meets the preset supervision requirement or not comprises the following steps:
analyzing the transaction verification information to obtain at least one transaction attribute information;
matching each transaction attribute information with the transaction attribute list;
if the matching of each transaction attribute information fails, the transaction verification information accords with the supervision requirement;
otherwise, the transaction acceptance information does not meet the regulatory requirements.
7. The method of claim 5, wherein the regulatory requirements further comprise a logical combination list of transaction attributes;
judging whether the transaction verification information meets the preset supervision requirement or not comprises the following steps:
analyzing the transaction verification information to obtain at least one transaction attribute information;
According to the logical combination list, carrying out logical calculation on the at least one transaction attribute information;
matching the result of the logic calculation with the logic combination list;
if the matching fails, the transaction verification information accords with the supervision requirement;
otherwise, the transaction acceptance information does not meet the regulatory requirements.
8. The method of claim 5, wherein the transaction verification information has a term of validity and the payment request has a request time;
before judging whether the transaction verification information meets the preset supervision requirement, the method further comprises the following steps:
and determining that the request time does not exceed the valid period.
9. A payment device, comprising:
the transaction verification information generation module is used for responding to an acquisition request of transaction verification information, obtaining transaction attribute information from the acquisition request and generating transaction verification information corresponding to the transaction attribute information so that a sender of a payment request sends a payment request with the transaction verification information;
and the payment inquiry module is used for responding to the received payment request, judging whether transaction verification information exists in the payment request, and inquiring the transaction verification information serving as an inquiry condition under the condition that the transaction verification information exists in the payment request so as to pay according to an inquiry result.
10. The apparatus of claim 9, wherein the means for paying further comprises an approval module for:
before transaction verification information corresponding to the transaction attribute information is generated, the acquisition request is approved according to the transaction attribute information, and approval passing is confirmed.
11. The apparatus of claim 10, wherein the transaction attribute information includes a policing account, banking information of the policing account, payment channel information, a business type, and business item information;
the approval module is further configured to: checking the supervision account, the bank information of the supervision account, the payment channel information, the service type and the service item information;
and under the condition that verification is passed, obtaining the additional approval information from the acquisition request, and approving the additional approval information.
12. The apparatus of claim 9, wherein the payment query module is further configured to:
judging whether the transaction verification information meets preset supervision requirements or not;
and inquiring payment information corresponding to the payment request under the condition of meeting the supervision requirement.
13. The apparatus of claim 12, wherein the regulatory requirements include a list of transaction attributes;
The payment inquiry module is further used for:
analyzing the transaction verification information to obtain at least one transaction attribute information;
matching each transaction attribute information with the transaction attribute list;
if the matching of each transaction attribute information fails, the transaction verification information accords with the supervision requirement;
otherwise, the transaction acceptance information does not meet the regulatory requirements.
14. The apparatus of claim 12, wherein the regulatory requirements further comprise a logical combination list of transaction attributes;
the payment inquiry module is further used for:
analyzing the transaction verification information to obtain at least one transaction attribute information;
according to the logical combination list, carrying out logical calculation on the at least one transaction attribute information;
matching the result of the logic calculation with the logic combination list;
if the matching fails, the transaction verification information accords with the supervision requirement;
otherwise, the transaction acceptance information does not meet the regulatory requirements.
15. A mobile electronic device terminal, comprising:
one or more processors;
storage means for storing one or more programs,
When executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-8.
16. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-8.
17. A computer program product comprising a computer program which, when executed by a processor, implements the method according to any of claims 1-8.
CN202310262886.6A 2023-03-17 2023-03-17 Payment method and device Pending CN116503066A (en)

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Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
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Publications (1)

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