CN117035778A - Payment information processing method, system and computing device - Google Patents
Payment information processing method, system and computing device Download PDFInfo
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- CN117035778A CN117035778A CN202311088756.1A CN202311088756A CN117035778A CN 117035778 A CN117035778 A CN 117035778A CN 202311088756 A CN202311088756 A CN 202311088756A CN 117035778 A CN117035778 A CN 117035778A
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Classifications
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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
- G06Q20/3821—Electronic credentials
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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
- G06Q20/3827—Use of message hashing
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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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
Abstract
The invention provides a method, a system and a computing device for processing payment information, which relate to the technical field of data processing and are applied to a middle station system, wherein the method comprises the following steps: receiving a payment data request instruction sent by at least one service system; converting the payment data request instruction into a target payment application form according to the key character data in the payment data request instruction; sending the target payment application form to a payment system; receiving a processing response of the payment system according to the payment application form returned by the target payment application form; and generating payment vouchers according to the processing response and sending the payment vouchers to a payment system. The invention can collect payment application, automatically guide in bank system payment and feed back result, thereby greatly improving the work efficiency of the enterprise and reducing the operation cost of financial staff.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a method, a system, and a computing device for processing payment information.
Background
With the development of the internet, payment applications of various systems appear in enterprises, such as nailing different bodies, business systems, reimbursement systems and the like, and the payment applications can be initiated.
This results in the need for the corporate financial staff to download payment applications from each system and then manually import into the banking system for actual payment, which is very cumbersome and inefficient to operate.
In addition, after payment is completed, the financial staff is also required to manually upload the payment receipt to the corresponding payment system, and simultaneously, the payment result feedback is imported to each payment system, which further increases the workload of the financial staff.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a processing method, a system and a computing device for payment information, which can collect payment application, automatically import payment of a banking system and feed back the result, thereby greatly improving the working efficiency of the inside of enterprises and reducing the operation cost of financial staff.
In order to solve the technical problems, the technical scheme of the invention is as follows:
in a first aspect, a method for processing payment information is applied to a central station system, and the method includes:
receiving a payment data request instruction sent by at least one service system;
converting the payment data request instruction into a target payment application form according to the key character data in the payment data request instruction;
sending the target payment application form to a payment system;
receiving a processing response of the payment system according to the payment application form returned by the target payment application form;
and generating payment vouchers according to the processing response and sending the payment vouchers to a payment system.
Further, according to the key character data in the payment data request instruction, converting the payment data request instruction into a target payment application form, including:
extracting at least one key character data in the payment data request instruction;
and embedding the at least one key character data into the payment bill in the target format to generate a target payment application form.
Further, extracting at least one key character data in the payment data request instruction includes:
decrypting the payment data request instruction by using a preset decryption key corresponding to the preset encryption key to obtain decrypted data;
extracting at least one key character data in the decrypted data; the preset encryption key is obtained by carrying out hash operation on the name of the payment system and the identification of the payment data request instruction.
Further, embedding the at least one key character data into a payment form in a target format to generate a target payment application form, including:
embedding address information, a linkage number, a bank type and a payment abstract carried in the payment data request instruction into a payment bill in a target format to obtain filled character data;
dividing the filled character data to obtain a plurality of data blocks;
performing exclusive-or operation on the first data block, encrypting the first data block to generate a first encrypted block, performing exclusive-or operation on each subsequent data block and the previous encrypted block, and encrypting the encrypted block to generate a subsequent encrypted block;
all the encrypted blocks are spliced together to form the target payment application.
Further, sending the target payment application form to a payment system, comprising:
checking whether the target payment application form is correct, if not, ending the sending task, and if so, packaging the target payment application form into a message required by a payment system;
adding identification information into the message to obtain an identification message;
according to the preset time interval period, the identification message is sent to a payment system, if the sending fails, the identification message is stored and is sent again in the next time interval until all the identification messages are sent successfully; if the sending is successful, the sending state of the identification message is updated in real time.
Further, receiving a processing response of the payment system according to the payment application form returned by the target payment application form, including:
receiving a response message sent by the payment system;
extracting transaction information from the response message;
and determining a processing result according to the transaction information, and storing the transaction information into a database.
Further, generating payment vouchers from the processing responses and sending the payment vouchers to a payment system, comprising:
analyzing a processing response returned by the payment system, wherein the processing response comprises payment state information;
generating corresponding payment vouchers according to the payment state information;
sending the payment voucher to the payment system.
In a second aspect, a payment information processing system includes:
the middle station system is used for receiving payment data request instructions sent by at least one service system; converting the payment data request instruction into a target payment application form according to the key character data in the payment data request instruction; sending the target payment application form to a payment system;
the middle system receives a processing response of the payment application form returned by the payment system according to the target payment application form; and generating payment vouchers according to the processing response and sending the payment vouchers to a payment system.
In a third aspect, a computing device includes:
one or more processors;
and a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the above-described methods.
In a fourth aspect, a computer readable storage medium stores a program that when executed by a processor implements the above method.
The scheme of the invention at least comprises the following beneficial effects:
according to the scheme, the payment data request instruction is converted into the target payment application form according to the key character data in the payment data request instruction, the received payment data request instruction is converted into the payment application form, and the conversion process possibly comprises the operations of analyzing the request instruction, extracting key character data, generating the payment application form and the like; the target payment application form is sent to the payment system, and the effect is that the generated payment application form is sent to the payment system, and payment information to be processed is transmitted to the payment system; the processing response of the payment application form returned by the payment system according to the target payment application form is received, the processing response is received, the response contains information of the result of the payment operation, such as success, failure reasons and the like, the effect of the step is that the middle platform system is enabled to know the result of the payment operation, the payment voucher is generated according to the processing response and sent to the payment system, the effect is that the voucher is generated according to the processing response and sent to the payment system, the effect is that a voucher for recording the result of the payment operation is generated and is sent to the payment system, and the payment system can conduct financial recording and management according to the voucher.
Drawings
Fig. 1 is a flowchart of a method for processing payment information according to an embodiment of the present invention.
Fig. 2 is a schematic diagram of a specific application of a payment information processing system according to an embodiment of the present invention.
Fig. 3 is a schematic diagram of a processing system for payment information according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As shown in fig. 1, an embodiment of the present invention provides a method for processing payment information, which is applied to a central system, and the method includes:
step 11, receiving a payment data request instruction sent by at least one service system;
step 12, converting the payment data request instruction into a target payment application form according to the key character data in the payment data request instruction;
step 13, the target payment application form is sent to a payment system;
step 14, receiving a processing response of the payment system according to the payment application form returned by the target payment application form;
and step 15, generating payment vouchers according to the processing response and sending the payment vouchers to a payment system.
In the embodiment of the invention, the payment data request instruction is converted into a target payment application form according to the key character data in the payment data request instruction, the received payment data request instruction is converted into the payment application form, and the conversion process comprises the operations of analyzing the request instruction, extracting the key character data, generating the payment application form and the like; the target payment application form is sent to the payment system, and the effect is that the generated payment application form is sent to the payment system, and payment information to be processed is transmitted to the payment system; the processing response of the payment application form returned by the payment system according to the target payment application form is received, the processing response is received, the response contains information of the result of the payment operation, such as success, failure reasons and the like, the effect of the step is that the middle platform system is enabled to know the result of the payment operation, the payment voucher is generated according to the processing response and sent to the payment system, the effect is that the voucher is generated according to the processing response and sent to the payment system, the effect is that a voucher for recording the result of the payment operation is generated and is sent to the payment system, and the payment system can conduct financial recording and management according to the voucher.
In a preferred embodiment of the present invention, the step 12 may include:
step 121, extracting at least one key character data in the payment data request instruction;
step 122, embedding the at least one key character data into the payment form in the target format to generate a target payment application form.
In the embodiment of the present invention, at least one key character data in the payment data request command is extracted, and the purpose of this step is to extract key character data from the payment data request command, where the key character data includes information of payment amount, payer, payee, etc., and this step is to obtain information that needs to be filled in the payment application form. The at least one key character data is embedded into the payment form in the target format to generate a target payment application form, the purpose of the step is to fill the extracted key character data into the payment form in the target format to generate the target payment application form, and the purpose of the step is to generate the payment application form which can be understood and processed by a payment system.
In a preferred embodiment of the present invention, the step 121 may include:
step 1211, decrypting the payment data request command by using a preset decryption key corresponding to the preset encryption key to obtain decrypted data;
step 1212, extracting at least one key character data in the decrypted data; the preset encryption key is obtained by carrying out hash operation on the name of the payment system and the identification of the payment data request instruction.
In the embodiment of the invention, the preset decryption key corresponding to the preset encryption key is utilized to decrypt the payment data request instruction to obtain decrypted data, the purpose of the step is to decrypt the payment data request instruction, and because the payment data contains sensitive information, encryption is carried out in the transmission process, and in the step, the middle station system decrypts the encrypted payment data request instruction by using the preset decryption key to obtain decrypted data; extracting at least one key character data in the decrypted data: the purpose of this step is to extract key character data including information of payment amount, payer, payee, etc. from the decrypted data in order to obtain information that needs to be filled in the payment application form. In the process, the preset encryption key is obtained by carrying out hash operation on the name of the payment system and the identification of the payment data request instruction, and the method can ensure that each payment system and the payment data request instruction have a unique encryption key, thereby improving the data security.
Assume that a payment system named "PayApp" is provided that sends an encrypted payment data request instruction identified as "12345" and containing key character data of the payment amount, payer, payee, etc. First, the payment data request instruction needs to be decrypted using a preset decryption key. This decryption key is obtained by hashing the name of "PayApp" and the identification "12345" of the payment data request instruction. Assuming that the decryption key is already present, the payment data request instruction may be decrypted, resulting in decrypted data. Next, it is necessary to extract key character data from the decrypted data. The key character data includes information of payment amount, payer, payee, etc.
In a preferred embodiment of the present invention, the step 122 may include:
step 1221, embedding address information, a linkage number, a bank type and a payment abstract carried in the payment data request instruction into a payment bill in a target format to obtain filled character data;
step 1222, dividing the filled character data to obtain a plurality of data blocks;
step 1223, performing exclusive-or operation on the first data block, encrypting the first data block to generate a first encrypted block, performing exclusive-or operation on each subsequent data block and the previous encrypted block, and encrypting the encrypted block to generate a subsequent encrypted block;
step 1224, splice all the encrypted blocks together to form the target payment application.
In the embodiment of the invention, address information, a linkage number, a bank type and a payment abstract in a payment data request instruction are embedded into a payment bill in a target format, so that filled character data is obtained. Then, the character data after filling is divided into a plurality of data blocks. And performing exclusive OR operation on the first data block and encrypting to generate a first encrypted block. And carrying out exclusive OR operation on each subsequent data block and the previous encryption block, and then encrypting to generate the subsequent encryption block. Finally, all the encryption blocks are spliced together to form a target payment application, and the purpose of the process is to protect payment information from being stolen or tampered in the transmission process.
The following is a specific case:
assume that a payment system named "PayApp" is provided that sends a payment data request instruction. This request instruction contains address information (e.g., "a field"), a line number (e.g., "102100099996"), a bank type (e.g., "a company"), and a payment digest (e.g., "purchase office supplies").
First, this information is embedded into the bill of payment in the target format. This bill is a JSON formatted data structure. Filling the 'A area', '102100099996', 'A company', 'purchase office supplies' into the corresponding fields of the payment bill, and obtaining the filled character data.
Next, the filled character data is divided into a number of data blocks. This segmentation is based on some specific rule, e.g. 10 characters per data block. For example, the following data blocks are obtained: "area a", "102100099996", "company a", "office supplies purchased".
Then, the first data block "a-region" is exclusive-ored and encrypted. This exclusive-or operation is performed with a particular value, such as a key "123456". Encryption is the use of the AES encryption algorithm. Thus, the first encryption block is obtained. For each subsequent data block, an exclusive-or operation is performed with the previous encryption block, and then AES encryption is performed. In this way, a subsequent encryption block is obtained.
Finally, all the encrypted blocks are spliced together to form a target payment application, wherein the process of splicing all the encrypted blocks together to form the target payment application specifically comprises the following steps:
raw data: address information: "region A"; line number: type of "102100099996" bank: "company a" payment abstract: "buy office supplies";
the original data is filled into a payment sheet in a target format, and the JSON format is that:
{ "address": "region a", "bank code": "102100099996", "bankName": "company a", "summary": "buy office supplies" }
The JSON data is divided into 4 data blocks, each data block containing 10 characters: the method specifically comprises the following steps:
data block 1: "A region" data block 2: "102100099996" data block 3: "company a" data block 4: "buy office supplies";
performing exclusive-or operation and AES encryption on the data block 1 to generate an encryption block 1, wherein the encryption block 1 is as follows: "xys @ 72 @ XX1abB #"; exclusive-or operation is carried out on the data block 2 and the encryption block 1, the encryption block 2 is generated, and the encryption block 2 is: "jdh37# @ -! Fgh6# ";
exclusive or operation is carried out on the data block 3 and the encryption block 2, the encryption block 3 is generated, and the encryption block 3 is: "akjh29# $asda#";
exclusive or operation is carried out on the data block 4 and the encryption block 3, the encryption block 4 is generated, and the encryption block 4 is: "19dfA# #1bNsJ#"; splicing 4 encryption blocks to form a target payment application, wherein the target payment application is: "xys & @ XX1abB # jdh37# @ -! Fgh6# akjh29# $asda #19dfa# #1bnsj# ".
Thus, a target payment application with strong confidentiality is formed by dividing, exclusive-or calculating, encrypting and splicing the original data, and the payment information can be prevented from being stolen in the transmission process.
In the embodiment of the invention, the payment application is the data to be finally transmitted, and the purpose of the process is to protect the payment information from being stolen or tampered in the transmission process. Only the person who knows the correct decryption key and decryption method can decrypt the payment application and obtain the information therein.
In a preferred embodiment of the present invention, the step 13 may include:
step 131, checking whether the target payment application form is correct, if not, ending the sending task, and if so, packaging the target payment application form into a message required by a payment system;
step 132, adding identification information in the message to obtain an identification message;
step 133, sending the identification message to a payment system according to a preset time interval period, if the sending fails, storing the identification message, and sending again in the next time interval until all the identification messages are successfully sent; if the sending is successful, the sending state of the identification message is updated in real time.
In the embodiment of the invention, the sent payment application form is ensured to be correct, and no error or missing information exists. If the payment application form is wrong, the sending task is ended, and wrong information is prevented from being sent to the payment system. If the payment application is correct, it is packaged in the message format required by the payment system. This ensures that the payment statement is properly understood and processed by the payment system. The messages are added with identification information, so that the sent messages can be tracked and managed, the identification information comprises the sending time of the messages, the information of a sender, the serial numbers of the messages and the like, and the sending state of each message, such as whether the message is received and processed by a payment system or not, can be known through the identification information. The identification message is sent to the payment system periodically. If the message transmission fails, the message is saved and then the transmission is attempted again at the next time interval. This ensures that the message is ultimately successfully sent to the payment system. If the message is successfully sent, the sending state of the message is updated in real time, so that the processing progress of each message can be known.
In a preferred embodiment of the present invention, the step 14 may include:
step 141, receiving a response message sent by the payment system;
step 142, extracting transaction information from the response message;
step 143, determining a processing result according to the transaction information, and storing the transaction information into a database.
In an embodiment of the invention, a response from the payment system to the transmitted payment application is received. The response message contains the result of the payment application form processing. Transaction information is extracted from the response message. The transaction information includes the processing status, processing time, processing results, etc. of the payment application form. And determining the processing result of the payment application form according to the extracted transaction information. For example, if the transaction information indicates that the payment application has been successfully processed, the result of the processing is successful. If the transaction information indicates that the payment application has failed to be processed, the result of the processing is a failure. These transaction information are then stored in a database for subsequent querying and analysis.
In a preferred embodiment of the present invention, the step 15 may include:
step 151, analyzing a processing response returned by the payment system, wherein the processing response comprises payment state information;
step 152, generating a corresponding payment voucher according to the payment status information;
step 153, send payment vouchers to the payment system.
In an embodiment of the invention, the processing response returned by the payment system is parsed. The processing response contains payment status information such as whether the payment was successful, if it was unsuccessful, what the cause of the failure was, etc.; and generating corresponding payment vouchers according to the payment state information. The payment receipt is a document that proves that the payment has been completed and contains detailed information of the payment, such as payment amount, payment time, payer, payee, etc. If the payment is successful, generating a payment voucher indicating the payment is successful; if the payment fails, a payment voucher is generated indicating the failure of the payment. And sending the generated payment voucher to a payment system. A payment system is a system for managing corporate finances that requires knowledge of each payment in order to facilitate financial management and auditing. By sending the payment voucher to the payment system, the payment system can be made aware of the payment.
As shown in FIG. 2, in a payment system, the applicant fills out payees, payees accounts, payment amounts, and payment application information submissions to generate payment applications. The payment system (a fly pocket business system and a nailing system) can select identifiable collection rows and collection branches in the payment system by the applicant payer, so that the condition that the payment bank system cannot successfully pay due to manual input of error information is reduced, and the payment efficiency is improved; after receiving the payment application form, the central office matches each group stored in the central office with the account numbers of the branch payment banks and account opening branches, and the information of the branch collection information on the payment form matches the information of the area where the branch stored in the central office is located, the line number, the bank type, the payment abstract and the like to convert the payment application form into the payment application form identified by the payment system, and the timing task interface forms are synchronized to the payment system.
The central system automatically matches the joint numbers of the same single number with the payment system, namely the payment bank and the payment branch, and the central system automatically completes pushing the payment system to complete payment because of the failure pushing of the payment application caused by the inconsistent payment lines, the payment branches and the bank systems filled in by the applicant in each payment system.
In order to ensure the data uniqueness of the payment system, the payment system can only receive 1 push for the same application form, and for the data of successful push but failure payment, financial staff can manually push the same bill after modifying the data, the middle system automatically generates a new bill number, the new bill number and the original bill number have an association relationship, the payment system is pushed again, and after successful payment of the payment system, the successful payment result and the receipt are pushed to the payment system according to the association relationship of the new bill number and the original bill number. After receiving the payment application, the payment system determines the uniqueness of the bill according to the payment bill number, and the financial staff carries out the payment after checking. And after successful payment, the background system timing task acquires a payment result and a receipt. And the payment receipt and the successful payment result are returned to the payment system according to the application number. And the financial staff passes the approval of the payment application according to the payment application number and the received payment success notice.
After the payment is successful, the middle system converts the information of the corresponding expense type, subject type, auxiliary accounting, abstract, financial payer and the like into the voucher data required by the payment system and automatically pushes the voucher data to the payment system. The payment system returns a receipt success certificate number, the middle platform system stores the certificate number, and establishes an association relationship with the application form number, the payment serial number and the certificate number, thereby facilitating account checking.
In order to ensure the uniqueness of the multi-system data of the payment system, the approval flow and the middle system, the middle system reserves the original single number of the payment system, pulls the original application to the middle system, pushes the original single number to the payment system, returns the payment serial number after the payment system successfully pays, and establishes a mapping relation between the original single number and the payment flow number. And ensuring the data uniqueness. And according to the serial number pushing payment system, the payment system returns the certificate number, and the center stores the association relation between the certificate number and the serial number, so that the uniqueness and the association of the multi-system data are ensured.
As shown in fig. 3, an embodiment of the present invention further provides a payment information processing system 30, including:
the middle station system 31 is configured to receive a payment data request instruction sent by at least one service system; converting the payment data request instruction into a target payment application form according to the key character data in the payment data request instruction; sending the target payment application form to a payment system;
the central system 31 receives a processing response of the payment application form returned by the payment system according to the target payment application form; and generates payment vouchers from the processing responses and sends them to the payment system 32.
Optionally, the converting the payment data request instruction into the target payment application form according to the key character data in the payment data request instruction includes:
extracting at least one key character data in the payment data request instruction;
and embedding the at least one key character data into the payment bill in the target format to generate a target payment application form.
Optionally, extracting at least one key character data in the payment data request instruction includes:
decrypting the payment data request instruction by using a preset decryption key corresponding to the preset encryption key to obtain decrypted data;
extracting at least one key character data in the decrypted data; the preset encryption key is obtained by carrying out hash operation on the name of the payment system and the identification of the payment data request instruction.
Optionally, embedding the at least one key character data into the payment form in the target format, and generating the target payment application form includes:
embedding address information, a linkage number, a bank type and a payment abstract carried in the payment data request instruction into a payment bill in a target format to obtain filled character data;
dividing the filled character data to obtain a plurality of data blocks;
performing exclusive-or operation on the first data block, encrypting the first data block to generate a first encrypted block, performing exclusive-or operation on each subsequent data block and the previous encrypted block, and encrypting the encrypted block to generate a subsequent encrypted block;
all the encrypted blocks are spliced together to form the target payment application.
Optionally, sending the target payment application form to a payment system, including:
checking whether the target payment application form is correct, if not, ending the sending task, and if so, packaging the target payment application form into a message required by a payment system;
adding identification information into the message to obtain an identification message;
according to the preset time interval period, the identification message is sent to a payment system, if the sending fails, the identification message is stored and is sent again in the next time interval until all the identification messages are sent successfully; if the sending is successful, the sending state of the identification message is updated in real time.
Optionally, receiving a processing response of the payment system according to the payment application form returned by the target payment application form, including:
receiving a response message sent by the payment system;
extracting transaction information from the response message;
and determining a processing result according to the transaction information, and storing the transaction information into a database.
Optionally, generating payment vouchers according to the processing response and sending the payment vouchers to a payment system, including:
analyzing a processing response returned by the payment system, wherein the processing response comprises payment state information;
generating corresponding payment vouchers according to the payment state information;
sending the payment voucher to the payment system.
It should be noted that the apparatus is an apparatus corresponding to the above method, and all implementation manners in the above method embodiment are applicable to this embodiment, so that the same technical effects can be achieved.
Embodiments of the present invention also provide a computing device comprising: a processor, a memory storing a computer program which, when executed by the processor, performs the method as described above. All the implementation manners in the method embodiment are applicable to the embodiment, and the same technical effect can be achieved.
Embodiments of the present invention also provide a computer-readable storage medium storing instructions that, when executed on a computer, cause the computer to perform a method as described above. All the implementation manners in the method embodiment are applicable to the embodiment, and the same technical effect can be achieved.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
It will be clear to those skilled in the art that, for convenience and brevity of description, specific working procedures of the above-described systems, apparatuses and units may refer to corresponding procedures in the foregoing method embodiments, and are not repeated herein.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution, in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a usb disk, a removable hard disk, a ROM, a RAM, a magnetic disk, or an optical disk, etc.
Furthermore, it should be noted that in the apparatus and method of the present invention, it is apparent that the components or steps may be disassembled and/or assembled. Such decomposition and/or recombination should be considered as equivalent aspects of the present invention. Also, the steps of performing the series of processes described above may naturally be performed in chronological order in the order of description, but are not necessarily performed in chronological order, and some steps may be performed in parallel or independently of each other. It will be appreciated by those of ordinary skill in the art that all or any of the steps or components of the methods and apparatus of the present invention may be implemented in hardware, firmware, software, or a combination thereof in any computing device (including processors, storage media, etc.) or network of computing devices, as would be apparent to one of ordinary skill in the art after reading this description of the invention.
The object of the invention can thus also be achieved by running a program or a set of programs on any computing device. The computing device may be a well-known general purpose device. The object of the invention can thus also be achieved by merely providing a program product containing program code for implementing said method or apparatus. That is, such a program product also constitutes the present invention, and a storage medium storing such a program product also constitutes the present invention. It is apparent that the storage medium may be any known storage medium or any storage medium developed in the future. It should also be noted that in the apparatus and method of the present invention, it is apparent that the components or steps may be disassembled and/or assembled. Such decomposition and/or recombination should be considered as equivalent aspects of the present invention. The steps of executing the series of processes may naturally be executed in chronological order in the order described, but are not necessarily executed in chronological order. Some steps may be performed in parallel or independently of each other.
While the foregoing is directed to the preferred embodiments of the present invention, it will be appreciated by those skilled in the art that various modifications and adaptations can be made without departing from the principles of the present invention, and such modifications and adaptations are intended to be comprehended within the scope of the present invention.
Claims (10)
1. A method for processing payment information, applied to a central station system, the method comprising:
receiving a payment data request instruction sent by at least one service system;
converting the payment data request instruction into a target payment application form according to the key character data in the payment data request instruction;
sending the target payment application form to a payment system;
receiving a processing response of the payment system according to the payment application form returned by the target payment application form;
and generating payment vouchers according to the processing response and sending the payment vouchers to a payment system.
2. The method of claim 1, wherein converting the payment data request instruction into a target payment application form based on key character data in the payment data request instruction, comprises:
extracting at least one key character data in the payment data request instruction;
and embedding the at least one key character data into the payment bill in the target format to generate a target payment application form.
3. The method of claim 1, wherein extracting at least one key character data in the payment data request instruction, comprises:
decrypting the payment data request instruction by using a preset decryption key corresponding to the preset encryption key to obtain decrypted data;
extracting at least one key character data in the decrypted data; the preset encryption key is obtained by carrying out hash operation on the name of the payment system and the identification of the payment data request instruction.
4. The method of claim 2, wherein embedding the at least one key character data into a payment form in a target format, generating a target payment application form, comprises:
embedding address information, a linkage number, a bank type and a payment abstract carried in the payment data request instruction into a payment bill in a target format to obtain filled character data;
dividing the filled character data to obtain a plurality of data blocks;
performing exclusive-or operation on the first data block, encrypting the first data block to generate a first encrypted block, performing exclusive-or operation on each subsequent data block and the previous encrypted block, and encrypting the encrypted block to generate a subsequent encrypted block;
all the encrypted blocks are spliced together to form the target payment application.
5. The method of claim 4, wherein transmitting the target payment application to a payment system comprises:
checking whether the target payment application form is correct, if not, ending the sending task, and if so, packaging the target payment application form into a message required by a payment system;
adding identification information into the message to obtain an identification message;
according to the preset time interval period, the identification message is sent to a payment system, if the sending fails, the identification message is stored and is sent again in the next time interval until all the identification messages are sent successfully; if the sending is successful, the sending state of the identification message is updated in real time.
6. The method of claim 2, wherein receiving a processing response of the payment system to the payment application returned from the target payment application comprises:
receiving a response message sent by the payment system;
extracting transaction information from the response message;
and determining a processing result according to the transaction information, and storing the transaction information into a database.
7. The method of claim 2, wherein generating payment vouchers from the processing responses and sending them to a payment system comprises:
analyzing a processing response returned by the payment system, wherein the processing response comprises payment state information;
generating corresponding payment vouchers according to the payment state information;
sending the payment voucher to the payment system.
8. A system for processing payment information, comprising:
the middle station system is used for receiving payment data request instructions sent by at least one service system; converting the payment data request instruction into a target payment application form according to the key character data in the payment data request instruction; sending the target payment application form to a payment system;
the middle system receives a processing response of the payment application form returned by the payment system according to the target payment application form; and generating payment vouchers according to the processing response and sending the payment vouchers to a payment system.
9. A computing device, comprising:
one or more processors;
storage means for storing one or more programs which when executed by the one or more processors cause the one or more processors to implement the method of any of claims 1 to 7.
10. A computer readable storage medium, characterized in that the computer readable storage medium has stored therein a program which, when executed by a processor, implements the method according to any of claims 1 to 7.
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