TW202026980A - Electronic payment method, apparatus and system and storage medium - Google Patents

Abstract

An electronic payment method, apparatus and system and a storage medium, for use in reducing the resource overhead of the terminal device of a payment acceptance client while improving the security of electronic payment. The electronic payment system comprises: a payment acceptance system, used for sending an electronic payment acceptance request message to a transfer platform, the electronic payment acceptance request message carrying a payment institution logo, and sending the electronic payment processing message to a payment processing system according to the redirection address returned by the transfer platform, the electronic payment processing message carrying payment reference information; the transfer platform, used for, after receiving the electronic payment acceptance request message, searching the correspondence between the stored payment institution logo and the redirection address of the payment processing system for the redirection address corresponding to the payment institution logo, and returning a first response message to the payment acceptance system, the first response message carrying the redirection address; and the payment processing system, used for, after receiving the electronic payment processing message, completing electronic payment according to the payment reference information therein.

Description

Electronic payment method, device, system and storage medium

The invention belongs to the technical field of data processing, and particularly relates to an electronic payment method, device, system and storage medium.

Electronic payment refers to the use of secure electronic means between consumers, merchants and financial institutions to securely transmit payment information to banks or corresponding processing institutions through the information network to achieve currency payment or capital flow.

The existing electronic payment methods mainly include the following two: one is a fast payment mode for a third-party manufacturer, the user enters the user’s bank account information in the third-party manufacturer’s payment system in advance, that is, the four elements of bank card information: name, ID number, Bank card number and mobile phone number, and request the bank card binding contract to the bank payment processing system to open the third-party vendor for quick payment. When the subsequent user pays for consumption, the third-party vendor’s payment system only needs to submit the user’s contract number and transaction For information such as the amount, simply request a deduction from the bank's payment processing system. In this payment mode, the third-party vendor payment system needs to obtain the user’s bank account information, which is likely to cause the leakage of the user’s account information. The other is the bank payment client payment mode. In this payment mode, each bank provides the merchants with their own For payment and cashier systems, merchants need to install payment acceptance systems of different banks on their terminal devices, which requires more processing resources.

This shows how to improve the security of electronic payment methods while reducing The resource overhead of installing the terminal equipment of the payment acceptance client has become one of the technical problems to be solved urgently in the prior art.

The embodiments of the present invention provide an electronic payment method, device, system, and storage medium, which are used to improve the security of electronic payment while reducing the resource overhead of terminal equipment on the payment acceptance user side.

In the first aspect, an electronic payment system is provided, including:

The payment acceptance system is used to send an electronic payment acceptance request message to the transfer platform, the electronic payment acceptance request message carries the payment institution identification; and send the electronic payment to the payment processing system according to the jump address returned by the transfer platform Processing message, the electronic payment processing message carries payment reference information;

The transfer platform is used to find the payment institution identification carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identification and the jump address of the payment processing system after receiving the electronic payment acceptance request message The corresponding jump address; the first response message is returned to the payment acceptance system, and the first response message carries the jump address;

The payment processing system is used to complete the electronic payment according to the payment reference information after receiving the electronic payment processing message.

Optionally, the payment acceptance system is further configured to send a payment institution list query message to the transfer platform before sending an electronic payment acceptance request message to the transfer platform;

The transfer platform is also used to return a second response message of the payment institution list query message to the payment processing system, the second response message carries payment institution list information, and the payment machine At least the payment institution identification is included in the institution list information.

Wherein, the payment processing system is also used to return a payment result notification message to the transfer platform after completing the electronic payment;

The transfer platform is also used to forward the payment result notification message to the payment acceptance system.

Optionally, the payment processing system is specifically configured to perform identity verification on the payment user after receiving the electronic payment processing message, and after confirming that the identity verification is passed, perform payment verification based on the payment reference information to complete the electronic payment.

Optionally, the payment acceptance system is specifically configured to call the payment processing system on the payment acceptance client to send an electronic payment processing message according to the jump address returned by the transfer platform.

In the second aspect, an electronic payment method is provided, including:

Receive an electronic payment acceptance request message sent by the payment acceptance system, where the electronic payment acceptance request message carries the payment institution identification;

Searching for the jump address corresponding to the payment institution identifier carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identifier and the payment processing system jump address;

Send a first response message to the payment acceptance system, the first response message carries the jump address, and the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, which carries Payment reference information, the payment processing system completes the electronic payment according to the payment reference information.

Optionally, before receiving the electronic payment acceptance request message sent by the payment acceptance system, it further includes:

Receive the payment institution list query message sent by the payment acceptance system;

Return a second response message to the payment processing system for the payment institution list query message, The second response message carries payment institution list information, and the payment institution list information includes at least the payment institution identification.

Optionally, the electronic payment method provided in the embodiment of the present invention further includes:

Receive the payment result notification message sent by the payment processing system after completing the electronic payment;

Forward the payment result notification message to the payment acceptance system.

In a third aspect, an electronic payment device is provided, including:

The receiving unit is configured to receive an electronic payment acceptance request message sent by the payment acceptance system, and the electronic payment acceptance request message carries a payment institution identifier;

The searching unit is configured to search for the jump address corresponding to the payment institution identification carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identification and the jump address of the payment processing system;

The response unit is configured to send a first response message to the payment acceptance system, the first response message carries the jump address, and the payment acceptance system sends an electronic payment processing report to the payment processing system according to the jump address The document contains payment reference information, and the payment processing system completes the electronic payment according to the payment reference information.

Wherein, the receiving unit is further configured to receive the payment institution list query message sent by the payment acceptance system before receiving the electronic payment acceptance request message sent by the payment acceptance system;

The response unit is further configured to return a second response message to the payment processing system for the payment institution list query message, the second response message carries payment institution list information, and the payment institution list information includes at least the payment Organization ID.

Optionally, the receiving unit is also used to receive the payment processing system Payment result notification message sent after sub-payment;

The response unit is also used to forward the payment result notification message to the payment acceptance system.

In a fourth aspect, a computing device is provided, including at least one processor and at least one memory, wherein the memory stores a computer program, and when the program is executed by the processor, the processor executes the above electronic payment method Any of the steps described.

In a fifth aspect, a computer readable medium is provided, which stores a computer program executable by a computing device, and when the program runs on the computing device, the computing device executes any of the steps in the above electronic payment method.

The electronic payment method, device, system and storage medium provided by the embodiments of the present invention, the payment acceptance system and the payment processing system all access the transfer platform, when a user requests payment, the payment acceptance system sends an electronic payment acceptance to the transfer platform Message request to obtain the jump address of the payment processing system, and send a payment processing message to the payment processing system according to the jump address, and the payment processing system completes the electronic payment processing. In the above process, except for the payment processing system that completes the electronic payment processing , Both the transfer platform and the payment acceptance system do not need to obtain user account information, which avoids the leakage of user account information and improves the security of electronic payments. On the other hand, the payment acceptance system does not need to install acceptance clients of different payment processing systems. Thereby reducing the resource overhead of the corresponding equipment.

Other features and advantages of the present invention will be described in the following description, and partly become obvious from the description, or understood by implementing the present invention. The purpose and other advantages of the present invention can be realized and obtained through the structure specified in the written specification, the scope of the patent application, and the drawings.

S21~S25, S51~S512, S91~S93‧‧‧Step

101‧‧‧Payment acceptance system

102‧‧‧Transfer platform

103‧‧‧Payment Processing System

1001‧‧‧Receiving unit

1002‧‧‧Search unit

1003‧‧‧Answer unit

110‧‧‧Computer

111‧‧‧Processor

112‧‧‧Memory

1121‧‧‧Random access memory

1122‧‧‧High-speed cache memory

1123‧‧‧Read only memory

1124‧‧‧Program Module

1125‧‧‧Programs/Utilities

113‧‧‧Bus

114‧‧‧External equipment

115‧‧‧I/O interface

116‧‧‧Network Interface Card

The drawings described here are used to provide a further understanding of the present invention and constitute a part of the present invention. The exemplary embodiments and descriptions of the present invention are used to explain the present invention, and do not constitute an improper limitation of the present invention. In the attached picture:

Figure 1 is a schematic structural diagram of an electronic payment system provided by an embodiment of the present invention;

Fig. 2 is a schematic diagram of a payment institution list query process according to an embodiment of the present invention;

3 is a schematic diagram of an order payment page according to an embodiment of the present invention;

4 is a schematic diagram of payment institution list information presented to users according to an embodiment of the present invention;

FIG. 5 is a schematic diagram of the interaction flow between the payment acceptance system, the transfer platform, and the payment processing system according to an embodiment of the present invention;

Fig. 6 is a schematic diagram of an identity verification interface according to an embodiment of the present invention;

Fig. 7 is a schematic diagram of an order confirmation page according to an embodiment of the present invention;

Fig. 8 is a schematic diagram of a payment confirmation authentication page according to an embodiment of the present invention;

9 is a schematic diagram of an implementation process of an electronic payment method implemented on the transfer platform side according to an embodiment of the present invention;

10 is a schematic structural diagram of an electronic payment device implemented on the transfer platform side according to an embodiment of the present invention;

FIG. 11 is a schematic structural diagram of a computing device according to an embodiment of the present invention.

In order to improve the security of electronic payment while reducing the resource overhead of installing terminal equipment on the payment acceptance client, embodiments of the present invention provide an electronic payment method, device and storage medium.

It should be noted that the terminal device in the present invention may be a personal computer (full English name: Personal Computer, PC), tablet computer, personal digital assistant (PDA), personal communication service (full English name: Personal Communication Service) , PCS) Phones, notebooks and mobile phones and other terminal equipment, it can also be a computer with a mobile terminal, for example, it can be a portable, pocket-sized, palm-sized, built-in computer or vehicle-mounted mobile device, which can provide users with Voice and/or data connectivity devices, and the exchange of language and/or data with wireless access networks.

In addition, the terms "first" and "second" in the specification and patent application scope of the embodiments of the present invention and the above-mentioned drawings are used to distinguish similar objects, and not necessarily used to describe a specific sequence or sequence. It should be understood that the materials used in this way can be interchanged under appropriate circumstances so that the embodiments described herein can be implemented in an order other than the content illustrated or described herein.

The "multiple or several" mentioned in this article refers to two or more. "And/or" describes the association relationship of related objects, which means that there can be three kinds of relationships, for example, A and/or B, which can mean: A alone exists, A and B exist at the same time, and B exists alone. The character "/" generally indicates that the associated objects before and after are in an "or" relationship.

The preferred embodiments of the present invention will be described below in conjunction with the accompanying drawings of the specification. It should be understood that the preferred embodiments described here are only used to illustrate and explain the present invention, not to limit the present invention, and in the case of no conflict, the present invention The embodiment and the features in the embodiment can be To combine with each other.

As shown in FIG. 1, it is a schematic structural diagram of an electronic payment system provided by an embodiment of the present invention, which includes a payment acceptance system 101, a transfer platform 102, and a payment processing system 103. Among them, the payment acceptance system includes the payment acceptance back-end system, namely, the payment acceptance server and the payment acceptance control item. The payment acceptance control item is integrated in the merchant application client. The payment processing system includes the payment processing back-end system and payment processing control items. Payment processing control The item can be integrated in the payment institution application client, for example, can be integrated in the APP (application client) of each banking institution. Among them, the payment acceptance system and the payment processing system are unified with the transfer platform.

Among them, the payment acceptance system and the payment processing system access the transfer platform through the access layer. The access methods can be but not limited to the following access methods: dedicated line access, public network access. The communication protocol between the transfer platform and the processing system of each organization may, but is not limited to, use communication protocols such as TCP (Transmission Control Protocol) and HTTP (Hyper Text Transport Protocol). The message format for interaction between the payment acceptance system and the payment processing system and the transfer platform can be but limited to XML (EXtensible Markup Language) format, JSON (JavaScript Object Notation, JavaScript Object Notation) format, 8583 format, etc.

After the payment user opens the account at the payment institution, the payment institution stores the user’s account information for subsequent electronic payments, including the user’s account information (for example, a bank card number), ID number, name, etc., during implementation , The user can also bind the binding relationship between account information and mobile phone number through the payment institution application client.

In the electronic payment system provided by the embodiment of the present invention, the payment acceptance system is used to send an electronic payment acceptance request message to the transfer platform, and the electronic payment acceptance request message carries Have a payment institution identification; and send an electronic payment processing message to the payment processing system according to the jump address returned by the transfer platform, and the electronic payment processing message carries payment reference information;

The transfer platform is used to find the payment institution identification carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identification and the jump address of the payment processing system after receiving the electronic payment acceptance request message The corresponding jump address; the first response message is returned to the payment acceptance system, and the first response message carries the jump address;

The payment processing system is used to complete the electronic payment according to the payment reference information after receiving the electronic payment processing message.

Among them, the payment processing system is specifically used to call the payment acceptance client terminal according to the jump address returned by the transfer platform, the payment processing system to send an electronic payment processing message; and after receiving the electronic payment processing message, to The user performs identity verification, and after confirming that the identity verification is passed, the electronic payment is completed after payment verification is passed according to the payment reference information.

During specific implementation, the payment acceptance system is also used to send a payment institution list query message to the switching platform before sending an electronic payment acceptance request message to the switching platform;

The transfer platform is also used to return a second response message of the payment institution list query message to the payment processing system, the second response message carries payment institution list information, and the payment institution list information includes at least the Payment institution identification.

Optionally, the payment processing system is further configured to return a payment result notification message to the transfer platform after completing the electronic payment;

The transfer platform is also used to forward the payment result notification message to the payment acceptance system.

In the following, in conjunction with the electronic payment system shown in FIG. 1, the embodiments of the present invention provide The implementation process of the electronic payment method is introduced in detail.

The switching platform provided by the embodiment of the present invention may include the following functional modules: a protocol analysis module, a connection processing module, a routing strategy module, a message packaging module, an information service module, and a configuration management module. Each functional module is introduced separately below.

The main function of the protocol analysis module is to parse the request message and verify the validity of the field format in the message. In the embodiment of the present invention, it mainly relates to the following types of messages: payment institution list query message and its response message, electronic payment acceptance request message and its response message, payment result notification message sent by the payment processing system, Payment result notification messages sent to the payment acceptance system, etc.

The necessary fields included in the response message of the payment institution list query message include payment institution list information. The payment institution list information should include the payment institution identification, and may also include at least one of the following: the payment institution name, the image of the payment institution application client Marketing information of the payment institution, a brief description of the payment institution’s application client, etc.

The necessary fields included in the electronic payment acceptance request message include the identification of the payment institution, and can also include payment reference information. The payment reference information can include but is limited to at least one of the following: payment transaction serial number, payment amount, order information, etc.

The necessary fields included in the response message of the electronic payment acceptance request message include the jump address of the payment institution’s processing system, and can also include payment reference information. The payment reference information can include but is limited to at least one of the following: payment transaction serial number, Payment amount, order information, etc.

Among them, in order to improve the security of the data transmitted between the transfer platform and the payment acceptance system, during specific implementation, the data transmitted between the two can be encrypted.

The necessary fields included in the payment result notification message sent by the payment processing system include the payment result, and can also include payment reference information. The payment reference information can include but is limited to at least one of the following: payment transaction serial number, payment amount, order information, etc. .

The necessary fields contained in the payment result notification message sent to the payment acceptance system include the payment result and can also include payment reference information. The payment reference information can include but is limited to at least one of the following: payment transaction serial number, payment amount, order information Wait.

In addition, in the embodiment of the present invention, there is also an electronic payment processing message, which is sent from the payment control item in the payment acceptance system to the payment control item in the payment processing system, and the electronic payment processing message contains The required fields include payment reference information. In order to ensure the security of data transmission, the data transmitted between the two can also be encrypted before transmission.

The connection processing module is mainly used to complete the processing flow of the transfer platform part of the electronic payment processing, specifically as follows: According to the agreement, the electronic payment acceptance request message obtained by the analysis of the message analysis is extracted, and the payment institution identification is extracted from it, and the connection processing The module uses the payment institution identification to find the jump address corresponding to the payment institution identification stored in the database, and calls the message packaging module to generate a response message and return it to the payment acceptance system.

The connection processing module can also be used in the payment institution list query process, which is specifically as follows: the payment institution list query message obtained by analyzing the protocol analysis message is obtained, and the information stored in the database supporting the electronic payment method provided by the embodiment of the present invention A list of payment institutions, call the message packaging module to generate a response message and return it to the payment acceptance system.

The routing strategy module is mainly used to establish a communication link between the switching platform and each payment processing system. Determine the corresponding institution according to the corresponding payment institution identification of each payment institution Handle the communication links between systems.

The message encapsulation module is mainly used to generate the payment institution list query message and its response message, the electronic payment acceptance request message and its response message and the payment result notification message between the transfer platform and the payment acceptance agency. .

Configuration management module, in the embodiment of the present invention, for each payment processing system (corresponding to each payment processing institution) that accesses the transfer platform, a unique payment institution identifier is assigned to it. For example, the length of the institution identifier may be 19 digits, such as 6250210000000000001, etc., it should be understood that the above-mentioned organization identification is only used as an example, and can be adjusted according to actual needs during specific implementation. The organization identification assigned to each organization can be stored in the database of the switching platform by the configuration management module. In addition, in order to facilitate management, the transfer platform can also formulate uniform coding rules for each payment processing institution to apply the user-side redirection address. The redirection address can be a redirect URL (Uniform Resource Locator), for example, for a certain institution The corresponding jump address is: 6250211000000000000: //appapy. During specific implementation, the corresponding relationship between the payment institution identifier and the jump address can be stored in the database of the transfer platform.

The information service module is used to record the user's usage habit data in electronic payment, for example, used to select payment institution information when completing electronic payment.

For ease of description, the merchant application client is referred to as the first application client, and the payment institution application client is referred to as the second application client.

In the embodiment of the present invention, the payment acceptance control item integrated in the first application client is connected to the payment acceptance behind-the-scenes processing system, and the second application client is called according to the obtained jump address during the electronic payment process, which can provide electronic payment Entrance, that is, the user initiates an electronic payment request through the payment acceptance control item, and provides functions such as a display interface for the payment institution list. Integrated in 2. Apply the payment processing control items in the client terminal to interface with the payment processing system. The main functions include user identity authentication, payment reference information confirmation, payment authentication, and payment deductions.

Based on the electronic payment system shown in Fig. 1, in specific implementation, when a payment user needs to make an electronic payment, according to the embodiment of the present invention, it can be implemented according to the process shown in Fig. 2:

S21: The user terminal of the first application installed in the user terminal sends an electronic payment request to the payment processing background system.

During specific implementation, a first application client and a second application client may be installed in the user terminal. Wherein, a payment acceptance control item is installed in the first application client, and a payment processing control item is installed in the second application client.

In this step, the user selects the order payment on the order payment page shown in FIG. 3 on the first application client terminal, and triggers the first application client terminal to call the payment acceptance control item to send an electronic payment request to the payment acceptance background system.

S22. The payment acceptance background system sends a payment institution list query message to the transfer platform.

S23. The transfer platform returns a response message to the payment acceptance background system.

In specific implementation, after the transfer platform receives the payment institution list query message, the message first reaches the agreement analysis module, which is parsed by the agreement analysis module and then provided to the connection processing module. Acquire the configuration management module configuration in the database to support the payment institution list of the electronic payment method provided by the embodiment of the present invention, call the message packaging module to generate a response message, and the response message carries the payment institution list information and the payment institution list information At least include the payment institution identification.

S24. The payment acceptance background system returns the payment institution clear to the first application client Single information.

In this step, the payment acceptance background system returns the payment institution list information to the first application client.

S25. The first application client presents the payment institution list information to the user for the user to select.

In this step, the first application client installed in the user terminal presents the payment institution list information to the user. As shown in Figure 4, it is a schematic diagram of the payment institution list information presented to the user. The user selects a payment institution for electronic payment according to the payment institution list information presented by the first application client.

It should be noted that in specific implementation, if the user-set default payment structure information is stored in the first application client or there is only one payment institution in the list of payment institutions, when the user chooses to pay for the order, the default selection The payment institution makes electronic payments.

In specific implementation, according to the payment institution selected by the user from the payment institution list, the first application client installed in the user terminal sends an electronic payment acceptance request message to the transfer platform through the payment acceptance background system, as shown in Figure 5 , Which is a schematic diagram of the implementation process of the electronic payment method in the embodiment of the present invention, including the following steps:

S51. The first application client sends an electronic payment acceptance request message to the payment acceptance background system.

In specific implementation, according to the payment institution selected by the user, the first application client installed in the user terminal sends an electronic payment acceptance request to the payment acceptance background system, which carries the payment institution identification. In specific implementation, the electronic payment acceptance request message may also carry payment reference information, where the payment reference information may include but is limited to at least one of the following: payment Transaction serial number, payment amount, order information, etc.

S52. The payment acceptance background system forwards the electronic payment acceptance request message to the transfer platform.

S53. The transit platform searches for the jump address corresponding to the institution identifier carried in the electronic payment acceptance request message.

In specific implementation, after the transfer platform receives the electronic payment acceptance request message, it is parsed by the agreement analysis module and provided to the connection processing module. The connection processing module extracts the payment institution identification in the electronic payment acceptance request message. And from the corresponding relationship between the payment institution ID stored in the database and the jump address of the payment processing system, search for the jump address corresponding to the extracted institution ID, call the message packaging module, and generate a response to the electronic payment acceptance request message Message and return to the payment acceptance background system.

S54. The transfer platform returns a response message to the payment acceptance background system.

Among them, the response message carries the found jump address.

In specific implementation, the transfer platform can also forward the electronic payment acceptance request message to the payment processing back-end system in the payment processing system after receiving the electronic payment acceptance request message, and the payment processing back-end system records the payment reference information carried therein , And return the response message of the electronic payment acceptance request message to the transfer platform.

S55. The payment acceptance background system forwards the received jump address to the first application client.

During specific implementation, the payment acceptance background system returns the received redirection address to the payment acceptance control item in the first application client installed in the user terminal.

S56. The first application client invokes the second application according to the received jump address The user terminal, and sends an electronic payment processing message to the second application client terminal.

In this step, the first application client generates an electronic payment processing message according to the jump address provided by the transfer platform. The generated electronic payment processing message includes payment reference information. The payment reference information may include but is limited to at least one of the following : Payment transaction serial number, payment amount, order information, etc., call the second application client, and send an electronic payment processing message to the second application client.

In specific implementation, in order to avoid data leakage in the electronic payment process and improve the security of data access, the first application client can encrypt the payment reference information and carry it in the electronic payment processing message for transmission.

It should be noted that if in step S54, the transfer platform forwards the electronic payment acceptance request message to the payment processing background system, then in this step, the first application client does not need to carry all of the electronic payment processing messages sent For payment reference information, you only need to carry the payment transaction serial number in it. In this way, after receiving the electronic payment processing message, the payment processing system retrieves the corresponding payment amount and order information based on the transaction serial number and sends it to the second application The user terminal is displayed on the order confirmation page by the second application client for the user to confirm.

S57. After performing identity verification, order confirmation, and payment verification, the second application client sends an electronic payment deduction request message to the payment acceptance background system.

In specific implementation, after receiving the electronic payment processing message, the second application client first authenticates the payment user. As shown in Figure 6, it is a schematic diagram of the identity verification interface displayed on the second application client.

Among them, the method of user identity verification can be but not limited to the following methods: user name password verification, gesture password verification, face verification, etc. The interface diagram shown in Figure 6 is the hand Schematic diagram of potential password verification.

After the user is authenticated, the second application client jumps to display the order confirmation page. As shown in FIG. 7, the order confirmation page includes at least the payment amount, and may also include an icon of the second application client, and order details. After the user confirms the order, the second application client jumps to the payment confirmation authentication page. As shown in Figure 8, the payment authentication method can be but not limited to the following methods: payment password authentication, fingerprint authentication, face authentication, etc. The payment authentication page shown in Figure 8 adopts a payment password authentication method for authentication.

After the second application client performs identity verification, order confirmation, and payment authentication, it sends an electronic payment deduction request message to the payment acceptance background system, which carries the deducted amount and a user ID that can identify the user. The identification may include at least one of the following: user mobile phone number, user account information, user registration name, user ID number, etc.

S58. The payment processing background system completes the electronic payment deduction.

In specific implementation, the payment processing background system determines the user account information according to the user identification carried in the electronic payment deduction request message, and completes the deduction process according to the deduction amount.

S59. The payment processing background system sends an electronic payment result notification message to the transfer platform.

After the payment processing back-end system completes the deduction processing operation, it generates an electronic payment result notification message, which carries the payment result.

S510. The transfer platform forwards the received electronic payment result notification message to the payment acceptance background system.

In specific implementation, after the transfer platform receives the electronic payment result notification message, the protocol analysis module analyzes the received message and sends it to the connection processing module. The connection processing module extracts the payment result and calls The message encapsulation module generates an electronic payment result notification message sent to the payment acceptance background system.

Optionally, after receiving the electronic payment result notification message, the transfer platform may also return a response message to the payment processing background system. After the payment processing back-end system receives the response message, it can also send an electronic payment back-bounce message to the payment acceptance back-end system. The payment acceptance back-end system informs the first application client to jump back to the first application client display page and wait Payment result.

S511. The payment acceptance background system sends an electronic payment result notification message to the first application client.

The first application client displays the payment result to the user according to the received electronic payment result notification message.

Optionally, after receiving the electronic payment result notification message, the payment acceptance back-end system may also return a response message of the electronic payment result notification message to the switching platform.

S512. The first application client displays a payment result page.

In the electronic payment method provided by the embodiment of the present invention, the payment acceptance system and the payment processing system both access the transfer platform. When a user requests payment, the payment acceptance system sends an electronic payment acceptance message request to the transfer platform to obtain payment The jump address of the processing system, according to the jump address, sends a payment processing message to the payment processing system, and the payment processing system completes the electronic payment processing. In the above process, in addition to the payment processing system that completes the electronic payment processing, the transfer platform and the payment The acceptance system does not need to obtain user account information, avoiding user account information Leakage improves the security of electronic payments. On the other hand, the payment acceptance system does not need to install acceptance client terminals of different payment processing systems, thereby reducing the resource overhead of corresponding equipment.

Based on the same inventive concept, the embodiment of the present invention also provides an electronic payment method and device implemented on the transfer platform side. Since the above-mentioned device and equipment solve the problem in principle similar to the above-mentioned electronic payment system, the implementation of the above-mentioned method and device can be See the implementation of the electronic payment system, the repetition will not be repeated.

As shown in Figure 9, it is a schematic diagram of the implementation process of the electronic payment method implemented on the transfer platform side in the embodiment of the present invention, which may include the following steps:

S91. Receive an electronic payment acceptance request message sent by the payment acceptance system, which carries a payment institution identifier.

S92. Search for the jump address corresponding to the payment institution identifier carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identifier and the jump address of the payment processing system.

S93. Send a first response message to the payment acceptance system, which carries the found jump address.

The payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, which carries payment reference information, and the payment processing system completes the electronic payment according to the payment reference information.

Optionally, before receiving the electronic payment acceptance request message sent by the payment acceptance system, it further includes:

Receive the payment institution list query message sent by the payment acceptance system;

The payment processing system returns the second A response message, the second response message carries payment institution list information, and the payment institution list information includes at least the payment institution identification.

Optionally, the electronic payment method provided in the embodiment of the present invention further includes:

Receive the payment result notification message sent by the payment processing system after completing the electronic payment;

Forward the payment result notification message to the payment acceptance system.

As shown in FIG. 10, it is a schematic structural diagram of an electronic payment device provided by an embodiment of the present invention, including:

The receiving unit 1001 is configured to receive an electronic payment acceptance request message sent by the payment acceptance system, and the electronic payment acceptance request message carries a payment institution identifier;

The searching unit 1002 is configured to search for the jump address corresponding to the payment institution identification carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identification and the jump address of the payment processing system;

The response unit 1003 is configured to send a first response message to the payment acceptance system, the first response message carries the jump address, and the payment acceptance system sends electronic payment processing to the payment processing system according to the jump address The message carries payment reference information, and the payment processing system completes the electronic payment according to the payment reference information.

Wherein, the receiving unit 1001 is further configured to receive the payment institution list query message sent by the payment acceptance system before receiving the electronic payment acceptance request message sent by the payment acceptance system;

The response unit 1003 is further configured to return a second response message to the payment processing system for the payment institution list query message, and the second response message carries payment institution list information. The payment institution list information includes at least the payment institution identification.

Optionally, the receiving unit 1001 is further configured to receive a payment result notification message sent by the payment processing system after the electronic payment is completed;

The response unit 1003 is also used to forward the payment result notification message to the payment acceptance system.

For the convenience of description, the above parts are divided into modules (or units) according to their functions. Of course, when implementing the present invention, the functions of each module (or unit) can be implemented in the same or multiple software or hardware.

After introducing the electronic payment method and device according to an exemplary embodiment of the present invention, next, a computing device according to another exemplary embodiment of the present invention is introduced.

Those skilled in the art can understand that various aspects of the present invention can be implemented as systems, methods or program products. Therefore, various aspects of the present invention can be specifically implemented in the following forms, namely: a complete hardware implementation, a complete software implementation (including firmware, microcode, etc.), or a combination of hardware and software, where it can be Collectively referred to as "circuits", "modules" or "systems".

In some possible implementation manners, the computing device according to the present invention may include at least one processor and at least one memory. Wherein, the memory stores a program code, and when the program code is executed by the processor, the processor executes the steps in the electronic payment method according to various exemplary embodiments of the present invention described above in this specification. For example, the processor may execute step S91 shown in FIG. 9 to receive an electronic payment acceptance request message sent by the payment acceptance system, which carries a payment institution identification, and step S52, from the stored payment institution identification and payment processing Find the electronic payment acceptance request report in the correspondence between the system jump addresses The jump address corresponding to the payment institution identifier carried in the text; and step S93, sending a first response message to the payment acceptance system, which carries the found jump address.

The computing device 110 according to this embodiment of the present invention will be described below with reference to FIG. 11. The computing device 110 shown in FIG. 11 is only an example, and should not bring any limitation to the function and application scope of the embodiment of the present invention.

As shown in FIG. 11, the computing device 110 is represented in the form of a general-purpose computing device. The components of the computing device 110 may include, but are not limited to: the aforementioned at least one processor 111, the aforementioned at least one memory 112, and a bus 113 connected to different system components (including the memory 112 and the processor 111).

The bus 113 represents one or more of several types of bus structures, including a memory bus or a memory controller, a peripheral bus, a processor, or a regional bus using any bus structure among multiple bus structures.

The memory 112 may include a readable medium in the form of a volatile memory, such as a random access memory (RAM) 1121 and/or a high-speed cache memory 1122, and may further include a read-only memory (ROM) 1123.

The memory 112 may also include a program/utility tool 1125 having a set (at least one) program module 1124. Such program module 1124 includes but is not limited to: an operating system, one or more application programs, other program modules, and Program data, each of these examples or some combination may include the realization of the network environment.

The computing device 110 may also communicate with one or more external devices 114 (such as keyboards, pointing devices, etc.), and may also communicate with one or more devices that enable users to interact with the computing device 110, and/or communicate with The device 110 can interact with one or more other computing devices Any device that communicates (such as routers, modems, etc.) communicates. This communication can be performed through an input/output (I/O) interface 115. In addition, the computing device 110 may also communicate with one or more networks (such as a local area network (LAN), a wide area network (WAN), and/or a public network, such as the Internet) through a network interface card 116. As shown in the figure, the network interface card 116 communicates with other modules for the computing device 110 through the bus 113. It should be understood that although not shown in the figure, other hardware and/or software modules can be used in conjunction with the computing device 110, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID System, tape drive and data backup storage system, etc.

In some possible implementation manners, various aspects of the electronic payment method provided by the present invention can also be implemented in the form of a program product, which includes a program code. When the program product runs on a computer device, the program code is used to make The computer device executes the steps in the electronic payment method according to various exemplary embodiments of the present invention described above in this specification. For example, the computer device can execute step S91 as shown in FIG. 9 and receive the electronic payment sent by the payment acceptance system. Acceptance request message, which carries the payment institution identification, and step S52, search for the jump corresponding to the payment institution identification carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identification and the jump address of the payment processing system Address; and step S93, sending a first response message to the payment acceptance system, which carries the jump address found.

The program product can use any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or any combination of the above. More specific examples (non-exhaustive list) of readable storage media include: electrical connections with one or more wires, portable disks, hard drives, random access Memory (RAM), Read Only Memory (ROM), Erasable Programmable Read Only Memory (EPROM or Flash Memory), Optical Fiber, Portable Compact Disk Read Only Memory (CD-ROM), Optical memory devices, magnetic memory devices, or any suitable combination of the above.

The program product for electronic payment in the embodiment of the present invention may adopt a portable compact disk read-only memory (CD-ROM) and include program codes, and may run on a computing device. However, the program product of the present invention is not limited to this. In this document, the readable storage medium can be any tangible medium that contains or stores a program, and the program can be used by or combined with an instruction execution system, device, or device.

The readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, and readable program code is carried therein. This propagated data signal can take many forms, including, but not limited to, electromagnetic signals, optical signals, or any suitable combination of the foregoing. The readable signal medium may also be any readable medium other than a readable storage medium, and the readable medium may send, propagate, or transmit a program for use by or in combination with the instruction execution system, apparatus, or device.

The program code contained on the readable medium can be transmitted by any suitable medium, including, but not limited to, wireless, wired, optical cable, RF, etc., or any suitable combination of the above.

The programming code used to perform the operations of the present invention can be written in any combination of one or more programming languages. The programming language includes object-oriented programming languages-such as Java, C++, etc., as well as conventional procedural programming languages -Such as "C" language or similar programming languages. The code can be executed entirely on the user's computing device, partly on the user's device, executed as an independent software package, and partly executed on the user's computing device. Part of the computing device is executed on the remote computing device, or completely executed on the remote computing device or server. In the case of remote computing devices, remote computing devices can be connected to user computing devices through any type of network-including local area networks (LAN) or wide area networks (WAN), or can be connected to external computing Equipment (for example, using an Internet service provider to connect via the Internet).

It should be noted that although several units or subunits of the device are mentioned in the above detailed description, this division is merely exemplary and not mandatory. In fact, according to the embodiments of the present invention, the features and functions of two or more units described above may be embodied in one unit. Conversely, the features and functions of one unit described above can be further divided into multiple units to be embodied.

In addition, although the operations of the method of the present invention are described in a specific order in the drawings, this does not require or imply that these operations must be performed in the specific order, or that all the operations shown must be performed to achieve the desired result. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step for execution, and/or one step may be decomposed into multiple steps for execution.

Those skilled in the art should understand that the embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may be in the form of computer program products implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program codes. .

The present invention is described with reference to flowcharts and/or block diagrams of methods, equipment (systems), and computer program products according to embodiments of the present invention. It should be understood that it can be commanded by a computer program A combination of each process and/or block in the flowchart and/or block diagram, and the process and/or block in the flowchart and/or block diagram is realized. These computer program instructions can be provided to the processors of general-purpose computers, dedicated computers, embedded processors, or other programmable data processing equipment to generate a machine that can be executed by the processor of the computer or other programmable data processing equipment A device for realizing the functions specified in one flow or multiple flows in the flowchart and/or one block or multiple blocks in the block diagram is generated.

These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory generate a manufactured product including the instruction device , The instruction device realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so that the computer or other programmable equipment The instructions executed above provide steps for implementing functions specified in a flow or multiple flows in the flowchart and/or a block or multiple blocks in the block diagram.

Although the preferred embodiments of the present invention have been described, those skilled in the art can make additional changes and modifications to these embodiments once they learn the basic progressive concepts. Therefore, the scope of the attached patent application is intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present invention.

Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. In this way, if these modifications and variations of the present invention fall within the scope of the patent application of the present invention and its equivalent technologies, the present invention also intends to include these Changes and modifications are included.

S51~S512‧‧‧Step

Claims (13)

An electronic payment system, characterized in that it comprises: The payment acceptance system is used to send an electronic payment acceptance request message to the transfer platform, the electronic payment acceptance request message carries the payment institution identification; and send the electronic payment to the payment processing system according to the jump address returned by the transfer platform Processing message, the electronic payment processing message carries payment reference information; The transfer platform is used to find the payment institution identification carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identification and the jump address of the payment processing system after receiving the electronic payment acceptance request message The corresponding jump address; the first response message is returned to the payment acceptance system, and the first response message carries the jump address; The payment processing system is used to complete the electronic payment according to the payment reference information after receiving the electronic payment processing message. The electronic payment system according to claim 1, wherein: The payment acceptance system is also used to send a payment institution list query message to the transfer platform before sending an electronic payment acceptance request message to the transfer platform; The transfer platform is also used to return a second response message of the payment institution list query message to the payment processing system, the second response message carries payment institution list information, and the payment institution list information includes at least the Payment institution identification. The electronic payment system according to claim 1, wherein: The payment processing system is also used to return a payment result notification message to the transfer platform after completing the electronic payment; The transfer platform is also used to forward the payment result notification message to the payment acceptance system. The electronic payment system according to claim 1, wherein: The payment processing system is specifically configured to perform identity verification on the payment user after receiving the electronic payment processing message, and after confirming that the identity verification is passed, perform payment verification based on the payment reference information to complete the electronic payment. The electronic payment system according to claim 1, wherein: The payment acceptance system is specifically configured to call the payment processing system on the payment acceptance client to send an electronic payment processing message according to the jump address returned by the transfer platform. An electronic payment method, characterized in that it comprises: Receive an electronic payment acceptance request message sent by the payment acceptance system, where the electronic payment acceptance request message carries the payment institution identification; Searching for the jump address corresponding to the payment institution identifier carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identifier and the payment processing system jump address; Send a first response message to the payment acceptance system, the first response message carries the jump address, and the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, which carries Payment reference information, the payment processing system completes the electronic payment according to the payment reference information. The electronic payment method according to claim 6, wherein, before receiving the electronic payment acceptance request message sent by the payment acceptance system, the method further includes: Receive the payment institution list query message sent by the payment acceptance system; A second response message is returned to the payment processing system for the payment institution list query message. The second response message carries payment institution list information, and the payment institution list information includes at least the payment institution identification. The electronic payment method according to claim 6 or 7, which further includes: Receive the payment result notification message sent by the payment processing system after completing the electronic payment; Forward the payment result notification message to the payment acceptance system. An electronic payment device, characterized by comprising: The receiving unit is configured to receive an electronic payment acceptance request message sent by the payment acceptance system, and the electronic payment acceptance request message carries a payment institution identifier; The searching unit is configured to search for the jump address corresponding to the payment institution identification carried in the electronic payment acceptance request message from the stored correspondence between the payment institution identification and the jump address of the payment processing system; The response unit is configured to send a first response message to the payment acceptance system, the first response message carries the jump address, and the payment acceptance system sends an electronic payment processing report to the payment processing system according to the jump address The document contains payment reference information, and the payment processing system completes the electronic payment according to the payment reference information. The electronic payment device according to claim 9, wherein: The receiving unit is further configured to receive the payment institution list query message sent by the payment acceptance system before receiving the electronic payment acceptance request message sent by the payment acceptance system; The response unit is further configured to return a second response message to the payment processing system for the payment institution list query message, the second response message carries payment institution list information, and the payment institution list information includes at least the payment Organization ID. The electronic payment device according to claim 9 or 10, wherein: The receiving unit is also used to receive a payment result notification message sent by the payment processing system after completing the electronic payment; The response unit is also used to forward the payment result notification message to the payment acceptance system. A computing device, which is characterized by comprising at least one processor and at least one memory, wherein the memory stores a computer program, and when the program is executed by the processor, the processor executes the request items 6 to 8. The electronic payment method described in any one of 8. A computer readable medium, characterized in that it stores a computer program executable by a computing device Formula, when the program runs on the computing device, the computing device executes the electronic payment method as described in any one of Claims 6 to 8.

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