CN117853108A - Multichannel payment method, system and storage medium - Google Patents
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Abstract
The embodiment of the invention provides a multi-channel payment method, a multi-channel payment system and a storage medium, and relates to the technical field of multi-channel payment technology. The method comprises the following steps: acquiring a signature message containing a payment request; performing signature verification and check operation on the signature message to determine the validity of the payment request and the signature message; invoking a payment channel based on preset payment parameters under the condition that the legality of the payment request and the signature message meets the legality condition; and sending a payment instruction to a target object through the payment channel so as to instruct the target object to execute a payment operation. The invention solves the problem of low multi-channel payment management efficiency, and further achieves the effect of improving the multi-channel payment management efficiency.
Description
Technical Field
The embodiment of the invention relates to the technical field of multichannel payment technology, in particular to a multichannel payment method, a multichannel payment system and a multichannel payment storage medium.
Background
In order to meet the payment requirements of different users, merchants have to access a wide variety of mobile payment modes. Because different payment channel interfaces are inconsistent in specification, a large amount of time, financial resources and material resources are required to be input for each time of butting of merchants, so that the butting cost is high and the efficiency is low.
And different payment channels are easy to fail due to the influence of network environment or system performance and the like, so that payment fails and user experience is influenced, and therefore, the stability and safety requirements of merchants on a payment system are higher and higher.
Each payment channel and each channel are provided with an independent payment management system, and for large and medium enterprises, a plurality of payment channels are docked for order collection, which means that financial needs to take a great deal of time to revolve between the payment systems of the payment channels for taking numbers, checking accounts and completing enterprise clearing and settlement, and thus enterprise financial management becomes extremely complex.
There is currently no better solution to the above problems.
Disclosure of Invention
The embodiment of the invention provides a multi-channel payment method, a multi-channel payment system and a multi-channel payment storage medium, which are used for at least solving the problem of low multi-channel payment management efficiency in the related technology.
According to an embodiment of the present invention, there is provided a multi-channel payment method including:
acquiring a signature message containing a payment request, wherein the signature message is sent by a bill making interface, the payment request is obtained by carrying out first encryption processing on an interface identifier of the bill making interface, and the signature message is obtained by asymmetric encryption;
performing signature verification and check operation on the signature message to determine the validity of the payment request and the signature message, wherein the signature verification and check operation comprises checking the sending time and the sending frequency of the signature message, and the validity is determined based on an acceptance payment policy generated by acceptance payment habit;
invoking a payment channel based on preset payment parameters under the condition that the legality of the payment request and the signature message meets the legality condition;
and sending a payment instruction to a target object through the payment acceptance channel so as to instruct the target object to execute a payment operation.
In an exemplary embodiment, before the obtaining the signed message containing the payment request, the method further comprises:
invoking a target applet based on an initial payment request sent by an order interface, wherein the initial payment request is obtained by scanning and identifying a preset identification code by the order interface, and the target applet is used for receiving the preset identification code;
identifying the preset identification code received in the target applet to determine payment acceptance object information of a payment acceptance object corresponding to the preset identification code, wherein the payment request comprises the payment acceptance object information;
based on the payment object information, after the sending of a payment instruction to a target object through the payment channel to instruct the target object to perform a payment operation, the method further includes:
obtaining channel information corresponding to a payment receiving object, wherein the channel information at least comprises channel performance information and a channel identifier code, the channel performance information is determined based on the channel identifier code, and the payment request comprises the channel identifier code;
and carrying out statistical processing on the channel quotient information, sending a statistical processing result to a target platform, and carrying out visual display on the statistical processing result on the target platform.
In an exemplary embodiment, after the sending a payment instruction to a target object through the payment channel to instruct the target object to perform a payment operation, the method further includes:
acquiring payment operation result feedback information;
and sending the payment operation result feedback information to the order placing interface.
In an exemplary embodiment, after the obtaining payment operation result feedback information, the method further includes:
carrying out statistical calculation on the payment operation result feedback information to obtain a statistical calculation result;
and sending the statistical calculation result to a target platform according to a preset period, and visually displaying the statistical calculation result.
In an exemplary embodiment, before the signing and checking operation is performed on the signature packet to determine the validity of the payment request and the signature packet, the method further includes: and the order placing interface carries out first encryption processing on the interface identifier and the payment request, and carries out asymmetric encryption processing on the message containing the payment request so as to obtain the signature message.
The signing message is subjected to signing checking operation to determine the validity of the payment request and the signing message, which comprises the following steps: and decrypting the signature message, performing signature verification processing on the decrypted signature message based on the payment acceptance strategy, and performing request validity checking processing on the payment request to determine the validity of the payment request and the signature message.
In an exemplary embodiment, in a case that the validity of the payment request satisfies the validity condition, after invoking the payment channel based on the preset payment parameter, the method further includes:
in the case of abnormality of a first payment channel, performing a channel switching operation to switch to a second payment channel, wherein the payment channel includes the first payment channel and the second payment channel;
and sending a payment instruction to a corresponding second target object through the second payment channel so as to instruct the second target object to execute payment operation.
In an exemplary embodiment, before the obtaining the signed message containing the payment request, the method further comprises:
acquiring activity information of the target object;
matching the activity information with an object to accept payment;
and sending an activity notification to the payment acceptance object under the condition that the matching is successful.
According to another embodiment of the present invention, there is provided a multi-channel payment system including:
the system comprises a request acquisition module, a request processing module and a payment processing module, wherein the request acquisition module is used for acquiring a signature message containing a payment request, the signature message is sent by a bill-making interface, the payment request is obtained by carrying out first encryption processing on an interface identifier of the bill-making interface, and the signature message is obtained by asymmetric encryption;
the signature verification and inspection module is used for carrying out signature verification and inspection operation on the signature message to determine the legality of the payment request, wherein the signature verification and inspection operation comprises inspection on the sending time of the signature message and the sending frequency of the signature message, and the legality is determined based on an acceptance payment strategy generated by acceptance payment habits;
the channel calling module is used for calling a payment channel based on preset payment parameters under the condition that the legality of the payment request and the signature message meets the legality condition;
and the instruction sending module is used for sending a payment instruction to a target object through the payment channel so as to instruct the target object to execute a payment operation.
According to a further embodiment of the invention, there is also provided a computer readable storage medium having stored therein a computer program, wherein the computer program is arranged to perform the steps of any of the method embodiments described above when run.
According to a further embodiment of the invention, there is also provided an electronic device comprising a memory having stored therein a computer program and a processor arranged to run the computer program to perform the steps of any of the method embodiments described above.
According to the invention, the payment request of the ordering interface is checked by checking the labels, so that the corresponding payment channel is called for payment according to the predetermined payment parameters, and temporary selection and judgment of the payment channel are not needed, so that the problems of confusion of payment management and low payment efficiency under the condition of more payment channels can be avoided, the problem of low multi-channel payment management efficiency can be solved, and the effect of improving the multi-channel payment management efficiency is achieved.
Drawings
Fig. 1 is a block diagram of a hardware structure of a mobile terminal of a multi-channel payment method according to an embodiment of the present invention;
FIG. 2 is a flow chart of a multi-channel payment method according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of the prior art principle according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of the technical principle according to an embodiment of the present invention;
fig. 5 is a block diagram of a multi-channel payment system according to an embodiment of the present invention.
Detailed Description
Embodiments of the present invention will be described in detail below with reference to the accompanying drawings in conjunction with the embodiments.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order.
The method embodiments provided in the embodiments of the present application may be performed in a mobile terminal, a computer terminal or similar computing device. Taking the mobile terminal as an example, fig. 1 is a block diagram of a hardware structure of a mobile terminal of a multi-channel payment method according to an embodiment of the present invention. As shown in fig. 1, a mobile terminal may include one or more (only one is shown in fig. 1) processors 102 (the processor 102 may include, but is not limited to, a microprocessor MCU or a processing device such as a programmable logic device FPGA) and a memory 104 for storing data, wherein the mobile terminal may also include a transmission device 106 for communication functions and an input-output device 108. It will be appreciated by those skilled in the art that the structure shown in fig. 1 is merely illustrative and not limiting of the structure of the mobile terminal described above. For example, the mobile terminal may also include more or fewer components than shown in fig. 1, or have a different configuration than shown in fig. 1.
The memory 104 may be used to store a computer program, for example, a software program of application software and a module, such as a computer program corresponding to a multi-channel payment method in an embodiment of the present invention, and the processor 102 executes the computer program stored in the memory 104 to perform various functional applications and data processing, that is, implement the method described above. Memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include memory remotely located relative to the processor 102, which may be connected to the mobile terminal via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The transmission device 106 is used to receive or transmit data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider of the mobile terminal. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, simply referred to as NIC) that can connect to other network devices through a base station to communicate with the internet. In one example, the transmission device 106 may be a Radio Frequency (RF) module, which is configured to communicate with the internet wirelessly.
In this embodiment, a multi-channel payment method is provided, fig. 2 is a flowchart of a multi-channel payment method according to an embodiment of the present invention, and as shown in fig. 2, the flowchart includes the following steps:
step S201, a signature message containing a payment request is obtained, wherein the signature message is sent by an ordering interface, the payment request is obtained by performing first encryption processing on an interface identifier of the ordering interface, and the signature message is obtained by asymmetric encryption;
in this embodiment, in order to enhance the security of the payment request, and avoid property loss caused by the fact that the payment request is deciphered in the transmission process, when asymmetric encryption processing is performed, the interface identifier (for example, the device code of the mobile phone) of the underlying interface may be encrypted (i.e., the first encryption processing) first, because the interface identifiers are not identical and have uniqueness, the uniqueness of the payment request may also be ensured; meanwhile, the interface identifiers of the ordering interfaces are relatively uniform (the digits of the equipment codes are basically the same), so that the change of the interface identifiers is not required to be considered when decryption of the payment request is carried out, and the operation cost is not additionally increased; particularly, the information such as the request sending time and the space address (such as longitude and latitude) of the ordering interface can be encrypted together, so that the uniqueness of the payment request is further enhanced, and the safety of the payment request is further ensured; for example, the MD5 algorithm calculates a hash value of the request sending time and/or space address, then the hash value is added to the interface identifier as a short code, and the interface identifier is encrypted together with the hash value, and as one device usually sends only 1 payment request in the same time period, the request sending time and/or space address has uniqueness, the uniqueness of the interface identifier can be further enhanced after the request sending time and/or space address is added to the interface identifier; note that, since the hash value short code does not need to be restored here, only the uniqueness of the hash value short code is focused here, and the irreversibility of the hash value is not considered; similarly, the feedback information of the payment operation result can be encrypted in the same encryption mode, so that the safety of the feedback information of the payment operation result is ensured; the asymmetric encryption processing comprises asymmetric encryption by encryption algorithms such as RSA algorithm, DSA algorithm, MD5 algorithm and the like, or the asymmetric encryption algorithm is used for exchanging keys, and then the symmetric encryption algorithm is used for encryption communication, so that the efficiency and the security are improved, and other asymmetric encryption processing modes can be adopted.
It should be noted that, after the interface identifier of the next interface is encrypted, the whole signature message is encrypted asymmetrically, and the payment process is encrypted in a two-time layer-by-layer encryption manner, so that compared with the prior art that only the message is encrypted without considering the encryption of the payment request, the method increases the cracking difficulty, and thus the security is greatly improved and ensured; meanwhile, the first encryption processing process is broken through by sequentially encrypting, an attacker can only obtain the signature message after the asymmetric encryption processing, and cannot obtain the real signature message, so that the confidentiality of data can be enhanced; in addition, after each layer of encryption, hash function calculation can be performed on the encryption result to obtain a digest value if necessary, and whether the message is tampered can be determined by judging whether the digest value is changed or not in subsequent decryption, because if the data is tampered in the transmission process, the digest value will not match, the technical effect is also obtained based on two layers of encryption, and the manner of encrypting only the message without considering the encryption of the payment request in the prior art does not include the effect.
Step S202, performing signature verification checking operation on the signature message to determine the validity of the payment request and the signature message, wherein the signature verification checking operation comprises checking the sending time of the signature message and the sending frequency of the signature message, and the validity is determined based on a payment acceptance policy generated by payment acceptance habit;
step S203, in the case that the validity of the payment request and the signature message satisfies the validity condition, invoking a payment channel based on a preset payment parameter, where the signature verification check operation includes checking a sending time of the signature message and a sending frequency of the signature message, and the validity is determined based on a payment acceptance policy generated by a payment acceptance habit;
in this embodiment, in order to further increase the cracking difficulty and improve the payment security, when performing a signature verification and check operation on a signature message to determine the validity of the payment request and the signature message, the feature of the payment acceptance habit of the merchant may also be considered to generate a corresponding payment acceptance policy, and determine the validity of the payment request based on the rule, where the feature of the payment acceptance habit may be a payment request receiving frequency and a payment acceptance time, and the corresponding payment acceptance policy may be that the payment acceptance policy accepts payment at a corresponding time or a location range, or that the payment request of a specific ID device may be accepted (for example, a device registered on a local area network inside the corporation); this is because the business hours of the merchants are relatively fixed (for example, from 3 a.m. to 12 a.m. or from 9 a.m. to 10 a.m.), and the IP address received by the system during the fixed time and sent by the request corresponding to a certain merchant is also floating in a specific range (for example, 1000 people in a certain cell, the payment request should float with a base value of 500, the sending address of the payment request is also near the cell, and in particular, the IP address can be obtained by counting the payment requests in a period of time); thus, during this time period, it is normal for the system to receive a payment request from the user or a request from the merchant to make a payment from the bank, and once a payment request is received beyond this time period (e.g., 2 a.m.), or a payment request is received beyond a certain amount of time outside this time period or beyond this area, the payment request is checked for anomalies (typically, to avoid anomalies and save costs, the bank or a third party payment mechanism will also close the payment channel at a certain time).
Specifically, when the message is generated, adding a time stamp into the message, then matching the time of receiving the message with a normal time period, comparing the frequency of receiving the payment request with the frequency obtained by statistics in advance, and if the matching result and/or the comparison result is abnormal, carrying out abnormal alarm.
Step S204, a payment instruction is sent to a target object through the payment channel so as to instruct the target object to execute a payment operation.
In this embodiment, the validity of the payment request is checked before the payment channel is invoked, so that on one hand, the security of the payment request is ensured, and on the other hand, the specific merchant, the bank channel which the merchant preferentially accepts the payment, and the channel which the customer preferentially pays on are judged according to the merchant identifier included in the payment request, so that the bank channel is not required to be selected, the bank channel is not required to be managed, and the management efficiency and the payment efficiency are improved.
Wherein the payment request includes a request sent by a customer to a payment mechanism (such as a bank, a payment bank, a WeChat, etc.) to which the customer is bound, for paying a merchant for the relevant fee, etc.; the ordering interface comprises a mobile phone end of a customer or other mobile ends with a code scanning identification function, and the interface is used for identifying the identification code of a merchant and generating a payment request; the target object comprises a mechanism or a device for paying deductions, such as a payment bank, a WeChat, a bank APP and the like; the validity is used for indicating the corresponding relation between the payment request, the merchant and the payment mechanism, wherein the corresponding relation comprises the corresponding relation of payment permission, payment amount and the like; the validity condition comprises that the payment amount, payment permission, payment channel and the like contained in the payment request all conform to the corresponding relation between the relevant merchant and the payment mechanism.
Specifically, as shown in fig. 3, in the prior art, because the payment modes of customers are different (such as payment treasured payment, weChat payment and bank APP client payment, etc.), merchants (i.e. receiving payment objects) need to be respectively docked with different order receiving mechanisms (i.e. the target objects) such as WeChat, payment treasures, unionPay, etc., if the mode is a bank service provider mode, the merchants also need to dock different banks, so that the port channel needs to be built again once for each port of the merchant, and the operation cost of the merchants is greatly increased.
As shown in fig. 4, in the method, after the merchant accesses the multi-channel payment system (i.e. the unified payment platform in the figure), the merchant only needs to dock with the multi-channel payment system of the method once, and can access the multi-channel payment system by one key.
In an alternative embodiment, before the obtaining the signed message containing the payment request, the method further comprises:
step S20101, calling a target applet based on an initial payment request sent by the order interface, wherein the initial payment request is obtained by scanning and identifying a preset identification code by the order interface, and the target applet is used for receiving the preset identification code;
step S20102, identifying the preset identification code received in the target applet to determine payment acceptance object information of the payment acceptance object corresponding to the preset identification code, wherein the payment request includes the payment acceptance object information;
step S20103 generates the payment request based on the payment acceptance object information.
In this embodiment, when the customer actively scans the code to identify the preset identification code of the merchant, the customer's order interface invokes the internet applet (the applet may be a WeChat applet or other applet), and uploads the relevant identification code to the preset identification frame of the applet, where the identification frame may be a scan code identification frame, and the corresponding applet may be an applet for identifying the identification code, and then the applet identifies the identification code and generates corresponding payment information based on the identification code.
Wherein, the payment receiving object comprises a merchant for receiving the payment of the customer, and the identification code of the merchant generally comprises information of a fee receiving mechanism, an account, a merchant code and the like of the merchant, thereby realizing the quick payment of the customer and the quick receipt of the merchant; the target applet may be the aforementioned internet applet, such as a WeChat applet, a public number applet, or the like; the identification code can be a two-dimensional code of the merchant, can be an identification code, and can also be codes in other forms.
In an alternative embodiment, before the signing and checking operation is performed on the signature packet to determine the validity of the payment request and the signature packet, the method further includes: the order placing interface carries out first encryption processing on the interface identifier and the payment request, and carries out asymmetric encryption processing on a message containing the payment request after the first encryption processing so as to obtain the signature message;
the signing message is subjected to signing checking operation to determine the validity of the payment request and the signing message, which comprises the following steps: and decrypting the signature message, performing signature verification processing on the decrypted signature message based on the payment acceptance strategy, and performing request validity checking processing on the payment request to determine the validity of the payment request and the signature message.
In this embodiment, in the prior art, when a signature packet is generated, payment requirement parameters (such as discount conditions, payment channels, amounts, merchant positions, etc.) of a merchant and identification fields of the merchant are added to the signature packet, and the identification manner is to identify the identification fields of the merchant and the payment requirement parameters together to realize identification of a payment request, but when the payment requirement parameters of the merchant change, new parameter fields (such as no discount before and a subsequent new discount requirement) are often added, at this time, because the receiving end of the merchant is also modified to identify the new parameter fields, on one hand, maintenance cost is increased, and on the other hand, large manpower is consumed to realize the function under the condition that the merchant is more, so that the prior art cannot effectively realize the function.
When the whole signature message containing the payment demand parameters and the merchant identifications is taken as a signature to be identified, the signature identifications are only needed to be added at the signature message and the signature identifications are identified, and the identification of the merchant identifications and the identification of the demand parameters are not needed to be considered, so that the signature message can be identified when the demand parameters of the merchant change, the adjustment and the change of the client of the merchant are not needed, the identification efficiency is greatly improved, and the maintenance cost is also reduced.
Particularly, when signature verification and inspection are performed on the sending time and the sending frequency of the signature message, a time sequence related to the signature message can be constructed by the sending time and the sending frequency, then the time sequence in a period of time is formed into a sequence distribution matrix P, correlation calculation is performed on the sequence distribution matrix P, and the distribution matrix is compared and matched with a preset sequence matrix P', so that whether the signature message in the process is abnormal or not is determined; of course, a signature message sending time sequence histogram with sending time as a horizontal axis and sending frequency as a vertical axis can also be constructed, and then the time sequence histogram is compared and matched with a preset histogram, so as to determine whether the message in the period is normal.
For example, the format of the time sequence is [ message sequence number, message sending time, message sending frequency, message content label ], thereby obtaining a sequence distribution matrix P in the first time period asThen, the correlation eta is calculated (the calculation of the correlation can be calculated through an improved pearson correlation coefficient calculation formula or a spearman correlation coefficient calculation formula, or can be calculated through other correlation coefficient calculation formulas), under the condition that the data are normal, the value of the correlation is eta ', and when the difference value of eta and eta' is far greater than a preset difference range delta eta, the abnormal signature message sending condition in the time period [ 0222-0234 ] is judged, and the like.
In an alternative embodiment, before the obtaining the signed message containing the payment request, the method further comprises:
step S2104, acquiring activity information of the target object;
step S2105, matching the activity information with the payment acceptance object;
step S2106, in the case that the matching is successful, transmits an activity notification to the payment acceptance object.
In this embodiment, different banks may have different preferential activities or other activities (such as reducing and exempting procedure rates) at different periods, and may capture the activity information (i.e. obtain the activity information of the target object) and push the activity information to the merchant under the condition that the merchant registers to allow the pushing of the activity information, thereby improving the use experience of the merchant.
The method for capturing the activity information can be collected off-line, or collected through an internet crawler, or used for establishing cooperation with a relevant bank to regularly transmit and receive relevant information, or used for capturing other information.
In an alternative embodiment, after said sending a payment instruction to a target object through said payment channel to instruct said target object to perform a payment operation, said method further comprises:
step S205, obtaining channel information corresponding to a payment receiving object, wherein the channel information at least comprises channel performance information and a channel identifier code, the channel performance information is determined based on the channel identifier code, and the payment request comprises the channel identifier code;
step S206, carrying out statistical processing on the channel quotient information, sending the statistical processing result to a target platform, and carrying out visual display on the statistical processing result on the target platform.
In the embodiment, in the business operation process of the merchant, the channel merchant is often required to carry out business popularization, and under the condition that the channel merchant is more, the channel merchant is visually managed through the target platform due to different popularization modes and different charges of different channel merchants, so that the management efficiency is greatly improved.
Under general conditions, when a channel merchant performs business promotion, a customer is required to fill in some information (namely channel merchant identification codes) which can represent the channel merchant when scanning codes, the information is sent to a target platform along with a payment request, the target platform decodes the payment request to obtain the channel merchant identification codes and related payment amounts, and then the target platform counts the channel merchant identification codes and the payment amounts and performs visual display; it is easy to understand that, in order to facilitate information transmission, when the first encryption process is performed, the channel identifier code, the interface identifier and the payment request are encrypted together, so that the channel identifier code is directly obtained in the subsequent decryption process, but the prior art does not relate to the technical content of combining the channel management with the payment request, that is, the prior art does not disclose a technical scheme of encrypting the channel identifier code and the identifier code of the ordering interface together to generate the encrypted payment request.
The channel performance information comprises information such as the amount paid by the customers promoted by the channel, the number of the customers and the like; the channel quotient identification code can be a two-dimensional code or an identification code; the target platform can be a public number, enterprise WeChat, or other forms of Internet platform.
In an alternative embodiment, after said sending a payment instruction to a target object through said payment channel to instruct said target object to perform a payment operation, said method further comprises:
step S207, obtaining payment operation result feedback information;
step S208, sending the payment operation result feedback information to the order placing interface.
In this embodiment, after the customer completes payment, the payment result is fed back to the order placing interface, so that the customer can directly judge whether the payment is completed at the order placing interface, and does not need to confirm with the merchant, thereby improving the payment efficiency.
In an alternative embodiment, after the obtaining payment operation result feedback information, the method further includes:
step S209, carrying out statistical calculation on the payment operation result feedback information to obtain a statistical calculation result;
step S2010, the statistical calculation result is sent to a target platform according to a preset period, and the statistical calculation result is visually displayed.
In this embodiment, after the payment result is obtained, the daily payment result may be sent to the WeChat public number, so that the merchant can check the daily payment flowing water conveniently through the WeChat public number.
In an optional embodiment, in a case that the validity of the payment request meets the validity condition, after invoking the payment channel based on the preset payment parameter, the method further includes:
step S2031, in the case of abnormality of a first payment channel, performing a channel switching operation to switch to a second payment channel, wherein the payment channels include the first payment channel and the second payment channel;
step S2032, sending, through the second payment channel, a payment instruction to a corresponding second target object, so as to instruct the second target object to execute a payment operation.
In this embodiment, when one of the payment channels is abnormal, the payment channel is switched to the other payment channel, so as to ensure that the payment action between the customer and the merchant can be performed normally.
For example, the merchant cannot receive the payment from the customer through the receiving channel of bank a, and then switches to the receiving channel of bank B to allow the merchant to be received.
From the description of the above embodiments, it will be clear to a person skilled in the art that the method according to the above embodiments may be implemented by means of software plus the necessary general hardware platform, but of course also by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method according to the embodiments of the present invention.
In this embodiment, a multi-channel payment system is further provided, and the system is used to implement the foregoing embodiments and preferred embodiments, and will not be described in detail. As used below, the term "module" may be a combination of software and/or hardware that implements a predetermined function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
Fig. 5 is a block diagram of a multi-channel payment system according to an embodiment of the present invention, and as shown in fig. 5, the apparatus includes:
a request obtaining module 51, configured to obtain a signature packet including a payment request, where the payment request is sent by an ordering interface, and the payment request is obtained by performing a first encryption process on an interface identifier of the ordering interface, and the signature packet is obtained by asymmetric encryption;
a signature verification check module 52, configured to perform a signature verification check operation on the payment request to determine validity of the payment request, where the signature verification check operation includes checking a sending time of the signature message and a sending frequency of the signature message, and the validity is determined based on an accepted payment policy generated by an accepted payment habit;
the channel calling module 53 is configured to call a payment channel based on a preset payment parameter when the validity of the payment request meets a validity condition;
an instruction sending module 54, configured to send a payment instruction to a target object through the payment channel, so as to instruct the target object to perform a payment operation;
wherein prior to the obtaining the signed message containing the payment request, the system further comprises:
invoking a target applet based on an initial payment request sent by the order interface, wherein the initial payment request is obtained by scanning and identifying a preset identification code by the order interface, and the target applet is used for receiving the preset identification code;
identifying the preset identification code received in the target applet to determine payment acceptance object information of a payment acceptance object corresponding to the preset identification code, wherein the payment request comprises the payment acceptance object information;
and generating the payment request based on the payment acceptance object information.
It should be noted that each of the above modules may be implemented by software or hardware, and for the latter, it may be implemented by, but not limited to: the modules are all located in the same processor; alternatively, the above modules may be located in different processors in any combination.
Embodiments of the present invention also provide a computer readable storage medium having a computer program stored therein, wherein the computer program is arranged to perform the steps of any of the method embodiments described above when run.
In one exemplary embodiment, the computer readable storage medium may include, but is not limited to: a usb disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing a computer program.
An embodiment of the invention also provides an electronic device comprising a memory having stored therein a computer program and a processor arranged to run the computer program to perform the steps of any of the method embodiments described above.
In an exemplary embodiment, the electronic apparatus may further include a transmission device connected to the processor, and an input/output device connected to the processor.
Specific examples in this embodiment may refer to the examples described in the foregoing embodiments and the exemplary implementation, and this embodiment is not described herein.
It will be appreciated by those skilled in the art that the modules or steps of the invention described above may be implemented in a general purpose computing device, they may be concentrated on a single computing device, or distributed across a network of computing devices, they may be implemented in program code executable by computing devices, so that they may be stored in a storage device for execution by computing devices, and in some cases, the steps shown or described may be performed in a different order than that shown or described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple modules or steps of them may be fabricated into a single integrated circuit module. Thus, the present invention is not limited to any specific combination of hardware and software.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the principle of the present invention should be included in the protection scope of the present invention.
Claims (9)
1. A multi-channel payment method, comprising:
acquiring a signature message containing a payment request, wherein the signature message is sent by a bill making interface, the payment request is obtained by carrying out first encryption processing on an interface identifier of the bill making interface, and the signature message is obtained by asymmetric encryption;
performing signature verification and check operation on the signature message to determine the validity of the payment request and the signature message, wherein the signature verification and check operation comprises checking the sending time and the sending frequency of the signature message, and the validity is determined based on an acceptance payment policy generated by acceptance payment habit;
invoking a payment channel based on preset payment parameters under the condition that the legality of the payment request and the signature message meets the legality condition;
sending a payment instruction to a target object through the payment channel so as to instruct the target object to execute a payment operation;
wherein, before the obtaining the signature message containing the payment request, the method further comprises:
invoking a target applet based on an initial payment request sent by the order interface, wherein the initial payment request is obtained by scanning and identifying a preset identification code by the order interface, and the target applet is used for receiving the preset identification code;
identifying the preset identification code received in the target applet to determine payment acceptance object information of a payment acceptance object corresponding to the preset identification code, wherein the payment request comprises the payment acceptance object information;
and generating the payment request based on the payment acceptance object information.
2. The method of claim 1, wherein after the sending a payment instruction to a target object via the payment channel to instruct the target object to perform a payment operation, the method further comprises:
obtaining channel information corresponding to a payment receiving object, wherein the channel information at least comprises channel performance information and a channel identifier code, the channel performance information is determined based on the channel identifier code, and the payment request comprises the channel identifier code;
and carrying out statistical processing on the channel quotient information, sending a statistical processing result to a target platform, and carrying out visual display on the statistical processing result on the target platform.
3. The method of claim 1, wherein after the sending a payment instruction to a target object via the payment channel to instruct the target object to perform a payment operation, the method further comprises:
acquiring payment operation result feedback information;
and sending the payment operation result feedback information to the order placing interface.
4. A method according to claim 3, wherein after the obtaining payment operation result feedback information, the method further comprises:
carrying out statistical calculation on the payment operation result feedback information to obtain a statistical calculation result;
and sending the statistical calculation result to a target platform according to a preset period, and visually displaying the statistical calculation result.
5. The method of claim 1, wherein the step of determining the position of the substrate comprises,
before the signature verification and check operation is performed on the signature message to determine the validity of the payment request and the signature message, the method further includes: the order placing interface carries out first encryption processing on the interface identifier and the payment request, and carries out asymmetric encryption processing on a message containing the payment request after the first encryption processing so as to obtain the signature message;
the signing message is subjected to signing checking operation to determine the validity of the payment request and the signing message, which comprises the following steps: and decrypting the signature message, performing signature verification processing on the decrypted signature message based on the payment acceptance strategy, and performing request validity checking processing on the payment request to determine the validity of the payment request and the signature message.
6. The method according to claim 1, wherein, in case the validity of the payment request satisfies a validity condition, after invoking a payment channel based on a preset payment parameter, the method further comprises:
in the case of abnormality of a first payment channel, performing a channel switching operation to switch to a second payment channel, wherein the payment channel includes the first payment channel and the second payment channel;
and sending a payment instruction to a corresponding second target object through the second payment channel so as to instruct the second target object to execute payment operation.
7. The method of claim 1, wherein prior to the obtaining the signed message containing the payment request, the method further comprises:
acquiring activity information of the target object;
matching the activity information with an object to accept payment;
and sending an activity notification to the payment acceptance object under the condition that the matching is successful.
8. A multi-channel payment system, comprising:
the system comprises a request acquisition module, a request processing module and a payment processing module, wherein the request acquisition module is used for acquiring a signature message containing a payment request, the signature message is sent by a bill-making interface, the payment request is obtained by carrying out first encryption processing on an interface identifier of the bill-making interface, and the signature message is obtained by asymmetric encryption;
the signature verification and inspection module is used for carrying out signature verification and inspection operation on the signature message to determine the validity of the payment request, wherein the signature verification and inspection operation comprises inspection of the sending time and the sending frequency of the payment request, and the validity is determined based on a payment acceptance strategy generated by payment acceptance habit;
the channel calling module is used for calling a payment channel based on preset payment parameters under the condition that the legality of the payment request and the signature message meets the legality condition;
the instruction sending module is used for sending a payment instruction to a target object through the payment channel so as to instruct the target object to execute a payment operation;
wherein prior to the obtaining the signed message containing the payment request, the system further comprises:
invoking a target applet based on an initial payment request sent by the order interface, wherein the initial payment request is obtained by scanning and identifying a preset identification code by the order interface, and the target applet is used for receiving the preset identification code;
identifying the preset identification code received in the target applet to determine payment acceptance object information of a payment acceptance object corresponding to the preset identification code, wherein the payment request comprises the payment acceptance object information;
and generating the payment request based on the payment acceptance object information.
9. A computer readable storage medium, characterized in that the computer readable storage medium has stored therein a computer program, wherein the computer program is arranged to execute the method of any of the claims 1 to 7 when run.
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