WO2016188272A1 - 一种代理支付方法、装置以及电子设备 - Google Patents

一种代理支付方法、装置以及电子设备 Download PDF

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Publication number
WO2016188272A1
WO2016188272A1 PCT/CN2016/079732 CN2016079732W WO2016188272A1 WO 2016188272 A1 WO2016188272 A1 WO 2016188272A1 CN 2016079732 W CN2016079732 W CN 2016079732W WO 2016188272 A1 WO2016188272 A1 WO 2016188272A1
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WO
WIPO (PCT)
Prior art keywords
account
proxy
payment
request instruction
verification
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Application number
PCT/CN2016/079732
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English (en)
French (fr)
Inventor
高建斌
沈志嵘
姜丰
Original Assignee
中国银联股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 中国银联股份有限公司 filed Critical 中国银联股份有限公司
Priority to SG11201708070UA priority Critical patent/SG11201708070UA/en
Priority to JP2017561000A priority patent/JP6697484B2/ja
Publication of WO2016188272A1 publication Critical patent/WO2016188272A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present invention relates to the field of financial data processing technologies, and in particular, to a proxy payment method, apparatus, and electronic device.
  • the client informs the agent of the account name and password of the account, so that the entrusted account faces a very high security risk.
  • the present invention provides a proxy payment method, device and electronic device, and the principal will entrust another person to act as a proxy for payment, but each payment transaction of the account is still confirmed by the person after the reply, and the money is from the client. If the account is removed, if the confirmation information is not confirmed within the specified time range, the payment operation is not allowed to take effect and the security is high.
  • the present invention provides a proxy payment method, including:
  • obtaining a proxy payment request instruction parsing the proxy payment request instruction, and obtaining control information of the proxy payment request instruction; wherein the proxy payment request instruction is based on the agent performing the payment process through the client's account Operational production;
  • the information obtains the reply information, and verifies the reply information; wherein the transaction account is the account of the client; the reply information is generated according to the confirmation of the operation of the agent performing the payment process on the agent;
  • the payment is determined based on the verification result of the reply information.
  • the method further comprises:
  • the agency relationship between the login account and the transaction account is established.
  • the method further comprises:
  • obtaining a transaction verification request instruction Before obtaining the proxy payment request instruction, obtaining a transaction verification request instruction, parsing the transaction verification request instruction, and obtaining control information of the transaction verification request instruction;
  • the content information of the transaction verification request instruction is queried according to the control information of the transaction verification request instruction, the login account is obtained, and the login account is validated. After the verification is passed, the agent payment request instruction is allowed to be obtained.
  • the method further comprises:
  • the method further comprises:
  • the present invention also provides a proxy payment device, including:
  • a first parsing instruction unit configured to obtain a proxy payment request instruction, parse the proxy payment request instruction, and obtain control information of the proxy payment request instruction; wherein the proxy payment request instruction is based on an agent's account through the principal The operation of performing the payment process is generated;
  • the proxy payment behavior verification unit is configured to query the content information of the proxy payment request instruction according to the control information of the proxy payment request instruction, obtain the login account, the transaction account, and verify the proxy relationship between the login account and the transaction account; after the verification is passed, generate the payment Confirming information; obtaining reply information according to the payment confirmation information, verifying the reply information; wherein the transaction account is an account of the client; and the reply information is generated according to the confirmation of the operation of the agent performing the payment process on the agent;
  • a payment unit configured to determine whether to complete the payment according to the verification result of the reply information.
  • the method further comprises:
  • a second parsing instruction unit configured to obtain an account proxy request instruction, parse the account proxy request instruction, and obtain control information of the account proxy request instruction
  • the proxy relationship verification unit is configured to query the content information of the account proxy request instruction according to the control information of the account proxy request instruction, obtain the login account and the transaction account, and verify the login account and the transaction account;
  • the agent relationship establishing unit is configured to establish an agent relationship between the login account and the transaction account after the verification is passed.
  • the method further comprises:
  • a third parsing instruction unit configured to obtain a transaction verification request instruction, obtain a transaction verification request instruction, and obtain control information of the transaction verification request instruction, before acquiring the proxy payment request instruction;
  • the login account verification unit is configured to query the content information of the transaction verification request instruction according to the control information of the transaction verification request instruction, obtain the login account, verify the validity of the login account, and allow the proxy payment request instruction to be obtained after the verification is passed.
  • the method further comprises:
  • a fourth parsing instruction unit configured to obtain an account proxy cancellation instruction, parse the account proxy cancellation instruction, and obtain control information of the account proxy cancellation instruction
  • a transaction account verification unit configured to query content information of an account proxy cancellation instruction according to the control information of the account proxy cancellation instruction, obtain a transaction account, and perform validity verification on the transaction account;
  • the agent relationship cancellation unit is used to cancel the agency relationship between the login account and the transaction account after the verification is passed.
  • the method further includes: a storage unit;
  • the storage unit is configured to store account information, an agent relationship, an operation log, and verification information.
  • the present invention also provides an electronic device including a proxy payment device as described above.
  • the technical solution is designed by separating the operation authority of the account from the payment authority, and has the following characteristics:
  • the agent sees only the principal's account ID (a string of letters or numbers), and cannot see other information of the client (such as password, ID number, card number, etc.).
  • the agent replaces the principal to perform complex payment operation process behavior.
  • FIG. 1 is an application scenario diagram of an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a proxy payment device according to an embodiment of the present invention.
  • FIG. 3 is a second schematic structural diagram of a proxy payment device according to an embodiment of the present invention.
  • FIG. 4 is a third schematic structural diagram of a proxy payment device according to an embodiment of the present invention.
  • FIG. 5 is a fourth schematic structural diagram of a proxy payment device according to an embodiment of the present invention.
  • FIG. 6 is a flowchart of a proxy payment method according to an embodiment of the present invention.
  • FIG. 7 is a flowchart of establishing an agent relationship in a proxy payment method according to an embodiment of the present invention.
  • FIG. 8 is a second flowchart of a proxy payment method according to an embodiment of the present invention.
  • FIG. 9 is a flowchart of canceling an agent relationship in a proxy payment method according to an embodiment of the present invention.
  • FIG. 10 is a block diagram of an electronic device according to an embodiment of the present invention.
  • FIG. 11 is a schematic flowchart of setting an agent relationship in a specific embodiment
  • FIG. 12 is a schematic diagram of a flow of proxy payment in a specific embodiment.
  • embodiments of the present invention can be implemented as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of full hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.
  • a proxy payment method, apparatus, and electronic device are proposed.
  • Agent For the technical solution, log in to the account of the person and, according to the instructions of the client, execute the payment operation behavior for the client through the account of the principal. However, the payment operation behavior is only the behavior of the payment process, and does not include the final payment behavior.
  • Trading account number The account number that provides funds for completing the payment.
  • the transaction account is the bank account of the principal.
  • the trading account is the agent's bank account.
  • Login account The token that the control center server performs the payment process operation. When an agent pays for his own trading, the login account is equivalent to the trading account. When an agent performs a proxy payment, the login account is not equivalent to the transaction account.
  • the principle of the existing electronic payment is as follows: the smart terminal login user establishes a one-to-one correspondence with the user's own bank card account, and the user performs a corresponding operation according to the prompt on the smart terminal page to complete the transaction payment request.
  • the present invention provides a proxy payment mechanism.
  • the proxy payment mechanism separates the operation authority from the payment authority.
  • the agent can operate the client's account by simply logging in to the account of the client.
  • the central server sends the agent's operation behavior to the client at the notification mode.
  • the client follows the notification information.
  • the central server sends a reply confirmation message. If the central server obtains a positive response confirmation, the payment is completed according to the agent's operational behavior. If the service center receives a negative response confirmation, the payment action performed by the agent is invalid.
  • a central server refers to a system and/or device having a payment account management function, not limited to bank card processing, but also to any virtual account.
  • the server 100 may be a server or the like.
  • the agent mobile terminal 200 and the client mobile terminal 300 may each be a mobile phone, a tablet, or the like.
  • the agent mobile terminal 200, the principal mobile terminal 300, and the server 100 can be connected by, for example, a mobile Internet or the like.
  • a corresponding payment agent relationship is established between the principal and the agent, and the central server stores the proxy relationship.
  • the principal purchases the goods online and completes the purchase operation, which requires payment.
  • the principal informs the agent through the principal mobile terminal 300 to perform the payment agent operation.
  • the verification process is: after the agent is notified by the client, the agent mobile terminal 200 logs in the user account, and the agent mobile terminal 200 generates a transaction verification request according to the login behavior, and transmits the transaction verification request to the server 100, and the server 100 verifies according to the transaction.
  • the server 100 transmits the verification result to the agent mobile terminal 200. If the verification is passed, the agent performs other operational actions in addition to the final payment behavior for the client at the mobile terminal 200, and the mobile terminal 200 generates a proxy payment request based on these operational actions and transmits it to the server 100.
  • the server 100 performs a series of verification operations on the proxy payment request again, and the main purpose is to determine whether the payment behavior is an agent payment behavior, and if it is an agent payment behavior, generate payment confirmation information according to the agent's operation behavior, and the payment is performed.
  • the confirmation information is transmitted to the principal mobile terminal 300.
  • the client After the client receives the payment confirmation information, it checks whether the information is accurate. The client generates reply information on the principal mobile terminal 300 based on the payment confirmation information, and transmits it to the server 100. The server 100 determines whether the reply information is affirmative. If the reply message is affirmative, the payment is completed.
  • the proxy payment device of the exemplary embodiment of the present invention will be described below with reference to FIG. 2, FIG. 3 and FIG. 4 respectively in conjunction with the application scenario of FIG.
  • FIG. 2 is a schematic structural diagram of a proxy payment device according to an embodiment of the present invention.
  • the proxy payment device includes a first resolution command unit 201, a proxy payment behavior verification unit 202, and a payment unit 203. among them,
  • the first parsing instruction unit 201 is configured to obtain a proxy payment request instruction, parse the proxy payment request instruction, and obtain control information of the proxy payment request instruction, where the proxy payment request instruction is based on the proxy through the principal The operation of the account execution payment process is generated;
  • the proxy payment behavior verification unit 202 is configured to query the content information of the proxy payment request instruction according to the control information of the proxy payment request instruction, obtain the login account, the transaction account, and verify the proxy relationship between the login account and the transaction account; after the verification is passed, generate Payment confirmation information; obtaining reply information according to the payment confirmation information, and verifying the reply information; wherein the transaction account is an account of the client; the login account is an account of the agent; and the reply information is based on the agent The confirmation of the operation of the person performing the payment process;
  • the payment unit 203 is configured to determine whether to complete the payment according to the verification result of the reply information.
  • the proxy payment behavior verification unit is a legality for the client to confirm the operation behavior of the agent payment process. Only when the principal confirms, the agent's payment behavior can be effective.
  • the central server completes the payment based on the agent's payment behavior.
  • an embodiment of the present invention provides a second schematic structural diagram of a proxy payment device. As shown in Figure 3, on the basis of Figure 2, it also includes:
  • a second parsing instruction unit 204 configured to obtain an account proxy request instruction, parse the account proxy request instruction, and obtain control information of the account proxy request instruction;
  • the proxy relationship verification unit 205 is configured to query the content information of the account proxy request instruction according to the control information of the account proxy request instruction, obtain the login account and the transaction account, and verify the login account and the transaction account;
  • the agent relationship establishing unit 206 is configured to establish an agent relationship between the login account and the transaction account after the verification is passed.
  • the proxy relationship verification unit 205 checks whether the proxy relationship has been established between the two, and the legality of the login account and the transaction account before establishing the proxy relationship.
  • the embodiment of the invention provides a third schematic diagram of the structure of the proxy payment device. As shown in FIG. 4, on the basis of FIG. 3, it further includes:
  • the third parsing instruction unit 207 is configured to obtain a transaction verification request instruction, obtain the transaction verification request instruction, and obtain the control information of the transaction verification request instruction, before acquiring the proxy payment request instruction;
  • the login account verification unit 208 is configured to query the content information of the transaction verification request instruction according to the control information of the transaction verification request instruction, obtain the login account, perform validity verification on the login account, and allow the proxy payment request instruction to be obtained after the verification is passed.
  • the embodiment of the invention provides a third schematic diagram of the structure of the proxy payment device. As shown in FIG. 5, on the basis of FIG. 4, it further includes:
  • a fourth parsing instruction unit 209 configured to obtain an account proxy cancellation instruction, parse the account proxy cancellation instruction, and obtain control information of the account proxy cancellation instruction;
  • the transaction account verification unit 210 is configured to query the content information of the account proxy cancellation instruction according to the control information of the account proxy cancellation instruction, obtain a transaction account, and perform validity verification on the transaction account;
  • the proxy relationship canceling unit 211 is configured to cancel the proxy relationship between the login account and the transaction account after the verification is passed.
  • the transaction account verification unit 210 verifies whether the operation is performed by the principal when the principal cancels the agency relationship, and does not act maliciously, and at the same time ensures the rights between the principal and the agent. .
  • the proxy payment device further includes: a storage unit; wherein the storage unit is configured to store account information, an agent relationship, an operation log, and verification information.
  • the external payment application can call the device through two ways: TCP communication and API function. After the proxy payment device parses the operation instruction, the internal corresponding service flow is called, and finally the processing is returned. result.
  • the device is composed of a parser, a service area, a verification area, and an instant messaging interface.
  • the parser receives the external application request instruction, parses the instruction, and invokes the service corresponding to the service area according to the instruction type.
  • the instruction consists of two parts: the instruction header and the instruction body.
  • the instruction header includes the version number, instruction length, and communication method.
  • the command body includes control information and content information.
  • the control information consists of the instruction type, the proxy flag, and the response code.
  • the content information consists of the system tracking number, operation date, operation time, login account number, transaction account number, verification code, expiration time, and order content. See table 1 below.
  • All fields in the instruction are fixed length, so the application service obtains the contents of each field of the instruction through the memory structure mapping.
  • the fixed-length instruction header is read, and the version number, the instruction length, and the communication mode are sequentially obtained therefrom, and all three data are used for verifying the legality of the instruction. If the verification passes, the instruction body content is continuously read for processing, and if the verification fails, an answer command is assembled and returned to the caller. The command type and response code need to be filled in the response command, and other field information is consistent with the request command.
  • the control information of the instruction body is read, and the content information of the instruction is queried according to the two types of information of the instruction type and the proxy flag, the content information is verified, and the proxy payment service is invoked.
  • the service area provides all the service functions of account management, including login account registration, account agent relationship setting, account transaction processing service, account transaction agent service, and record operation log.
  • Each service is a packaged A collection of functions that can handle one or more instruction types.
  • the verification area provides security verification for account operations. This includes general transaction verification, payment verification for proxy operations, and verification exception handling.
  • the verification function is not externally serviced, and can only be called internally through the service of the service area.
  • the storage unit stores user account information, agent relationships between accounts, and logs for each operation.
  • the time communication interface can be connected to a third-party communication platform to send a transaction verification code, payment confirmation and the like to the user.
  • the device whether it is a transaction account or a login account, it can be either a real bank card or a virtual card.
  • the agent can operate the proxy account by logging in to the account, and can simultaneously proxy multiple other accounts, and the accounts are independent of each other and do not affect each other. And for all The account transaction provides a secure payment verification function, and the payment request initiated by the agent is finally confirmed by the client, which not only realizes the convenience of the agent operation, but also ensures the security of the account payment.
  • proxy payment devices are mentioned in the detailed description above, such division is merely not mandatory. Indeed, in accordance with embodiments of the present invention, the features and functions of two or more units described above may be embodied in one unit. Also, the features and functions of one unit described above may be further divided into a plurality of units.
  • FIG. 6 is a schematic flowchart of a proxy payment method according to an embodiment of the present invention. include:
  • Step 601) Obtain a proxy payment request instruction, parse the proxy payment request instruction, and obtain control information of the proxy payment request instruction; wherein the proxy payment request instruction is performed according to the agent performing the payment process through the client's account Operational production;
  • Step 602) query the content information of the proxy payment request instruction according to the control information of the proxy payment request instruction, obtain the login account and the transaction account, and verify the proxy relationship between the login account and the transaction account; after the verification is passed, generate payment confirmation information;
  • the payment confirmation information obtains reply information, and verifies the reply information; wherein the transaction account is an account of the client; the login account is an account of the agent; and the reply information is performed according to the principal performing the payment process to the agent. Confirmation of operation;
  • Step 603 Determine whether to complete the payment according to the verification result of the reply information.
  • the proxy payment must be based on the proxy relationship.
  • the establishment of the proxy relationship is performed before step 601, as shown in FIG. 7, the establishment process of the proxy relationship includes:
  • Step 2) querying the content information of the account proxy request instruction according to the control information of the account proxy request instruction, obtaining the login account and the transaction account, and verifying the login account and the transaction account;
  • Step 3) After the verification is passed, establish an agency relationship between the login account and the transaction account.
  • the verification of the login account and the transaction account includes: verifying the legality of the login account and the transaction account; generating the verification information to the client client, and the client client sends a reply confirmation to the central server to confirm the establishment of the proxy payment. relationship. Only through the above verification can the agency relationship be established.
  • FIG. 8 is a second schematic flowchart of a proxy payment method according to an embodiment of the present invention. Includes:
  • Step 801) obtaining a transaction verification request instruction, parsing the transaction verification request instruction, and obtaining control information of the transaction verification request instruction;
  • Step 802 querying the content information of the transaction verification request instruction according to the control information of the transaction verification request instruction, obtaining the login account, and verifying the validity of the login account; wherein the login account is the account of the agent;
  • Step 803 After the verification is passed, obtaining a proxy payment request instruction, parsing the proxy payment request instruction, and obtaining control information of the proxy payment request instruction; wherein the proxy payment request instruction is based on the agent's account through the principal The operation of performing the payment process is generated;
  • the payment confirmation information obtains reply information, and verifies the reply information; wherein the transaction account is an account of the client; and the reply information is generated according to the confirmation of the operation of the agent performing the payment process on the agent;
  • Step 805) Determine whether to complete the payment according to the verification result of the reply information.
  • the proxy payment relationship may be established as needed, or the proxy relationship may be released at any time.
  • the process of releasing the agent relationship includes:
  • Step 12 querying the content information of the account proxy cancellation instruction according to the control information of the account proxy cancellation instruction, obtaining the transaction account, and verifying the validity of the transaction account;
  • Figure 9 shows that after the account agent relationship takes effect, the agent can log in to the account, and the agent account can be seen.
  • the agent account initiates the payment transaction in the payment process.
  • the agent sees only the account ID of a person (a string of letters or numbers), and cannot see other information about the account (such as password, ID number, card number, etc.).
  • the effect achieved is that the agent logs into his account, and the principal's account is used instead of the principal to operate the payment process, and the transaction must be confirmed by the client after replying. Only take effect.
  • the principal may unilaterally revoke the agency relationship between the accounts.
  • the present embodiment also proposes an electronic device, as shown in FIG.
  • the electronic device is configured to run an agent payment application according to various request instructions, including:
  • a memory a for storing a request instruction
  • processor b coupled to the memory, the processor being configured to execute a request instruction stored in the memory, wherein the processor is configured to:
  • the payment confirmation information obtains the reply information, and verifies the reply information; wherein the transaction account is the client's account; the login account is the agent's account; and the reply information is based on the client performing the payment process on the agent Confirmed by;
  • the payment is determined based on the verification result of the reply information.
  • the application further configured by processor b is also used to:
  • the agency relationship between the login account and the transaction account is established.
  • the application further configured by processor b is also used to:
  • obtaining a transaction verification request instruction Before obtaining the proxy payment request instruction, obtaining a transaction verification request instruction, parsing the transaction verification request instruction, and obtaining control information of the transaction verification request instruction;
  • the content information of the transaction verification request instruction is queried according to the control information of the transaction verification request instruction, the login account is obtained, and the login account is validated. After the verification is passed, the agent payment request instruction is allowed to be obtained.
  • the application further configured by processor b is also used to:
  • the embodiment of the present invention further provides a computer readable program, wherein when the program is executed in an electronic device, the program causes the computer to execute in the electronic device as shown in FIG. 6, FIG. 7, FIG. 8, and FIG. The proxy payment method described.
  • the embodiment of the present invention further provides a storage medium storing a computer readable program, wherein the computer readable program causes the computer to execute the proxy payment method as described in FIG. 6, FIG. 7, FIG. 8 and FIG. .
  • the first stage account agent request process :
  • the server reads the instruction.
  • the read instruction type is “Set Account Agent Relationship”, and the login account (child) and transaction account (parent) are read from the command content, and the database is searched according to the account and two are checked. Whether the account is in a normal state, and then send a verification code to the principal (parent) to the client through the instant messaging interface (Parent) sends a verification request.
  • the verification request includes filling in the instruction type, the response code, the verification code, and the system tracking number, and other contents are consistent with the original request instruction.
  • the central server stores account agent relationship records. It should be noted here that the role of the system tracking number is to associate the request instruction with the response instruction.
  • the request instruction and the response instruction are matched by the verification code, and once verified, the account agent relationship is validated.
  • Scenario description The agent pays the account of the agent.
  • the child uses the parental account to pay for the purchased wealth management product for the parent.
  • FIG. 12 it is a schematic diagram of a flow of proxy payment for this embodiment. The process is divided into three phases:
  • the first stage verification of the login account
  • the central server obtains the transaction verification request instruction, parses the transaction verification request instruction, obtains the control information of the transaction verification request instruction; queries the content information of the transaction verification request instruction according to the control information of the transaction verification request instruction, obtains the login account, and logs in Account verification for validity;
  • the second stage the generation of payment confirmation information
  • the agent client performs the operation of the payment process, and the central server generates a “proxy payment request” instruction according to the operation;
  • the “agent payment request” includes the content of the order and the result of the operation of the agent client information.
  • the "Proxy Payment Request" instruction is parsed, the instruction type (proxy payment request) is read from the instruction, the proxy flag (Yes), the login account, the transaction account number are read from the instruction content according to the information, and the account is searched and verified. Agency relationship.
  • the verification includes: the central server generates a verification code and the verification code expiration time. The verification code and the verification code expiration time are assembled together with the "proxy payment request" instruction to generate payment confirmation information. Send payment confirmation to the principal (parent). At the same time, the service log and various request instructions are stored.
  • the third stage the agency payment takes effect
  • the central server searches for the service log of the previous stage to determine whether the verification expiration time is exceeded. If it has expired, the status of the service log is updated to handle the timeout, and the principal (parent) failure information is returned; otherwise, the status of the update service log is normal. Reply, confirm that the payment process performed by the agent is effective, and complete the payment transaction.

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Abstract

本发明涉及一种代理支付方法、装置以及电子设备，其中，代理支付方法包括：获得代理支付请求指令，对代理支付请求指令进行解析，获得代理支付请求指令的控制信息；其中，所述代理支付请求指令是根据代理人通过委托人的账户执行支付过程的操作产生；根据代理支付请求指令的控制信息查询代理支付请求指令的内容信息，获得登陆账号、交易账号，对登陆账号和交易账号的代理关系进行验证；验证通过后，生成支付确认信息；根据所述支付确认信息获得回复信息，验证回复信息；其中，交易账号为委托人的账户；登陆账号为代理人的账户；回复信息是根据委托人对代理人执行支付过程的操作的确认产生的；根据所述回复信息的验证结果决定是否完成支付。

Description

一种代理支付方法、装置以及电子设备 技术领域
本发明涉及金融数据处理技术领域，特别涉及一种代理支付方法、装置以及电子设备。
背景技术
现已进入电子支付的时代，网上支付或移动支付越来越普及，但是对于不熟悉或不方便使用电脑、手机操作的人来说这无疑是个问题。
基于这一问题，当前有人提出代理支付的措施。依据现有的技术，如果要实现代理他人操作与支付只能由以下几种途径：
1、委托人将账户的用户名和密码告知代理人，这样委托账户面临着极高的安全风险。
2、委托人先转账或现金给代理人，再由代理人使用本人账户进行支付，这样的操作流程非常麻烦。
发明内容
为解决现有技术的问题，本发明提出一种代理支付方法、装置以及电子设备，委托人将委托他人代理支付操作，但是账户的每一笔支付交易仍由本人回复确认后，钱从委托人账户划走，若在指定时间范围内没有确认信息，则支付操作不准生效，安全性高。
为实现上述目的，本发明提供了一种代理支付方法，包括：
验证通过后，获得代理支付请求指令，对所述代理支付请求指令进行解析，获得代理支付请求指令的控制信息；其中，所述代理支付请求指令是根据代理人通过委托人的账户执行支付过程的操作产生；
根据代理支付请求指令的控制信息查询代理支付请求指令的内容信息，获得登陆账号、交易账号，对登陆账号和交易账号的代理关系进行验证；验证通过后，生成支付确认信息；根据所述支付确认信息获得回复信息，验证回复信息；其中，所述交易账号为委托人的账户；所述回复信息是根据委托人对代理人执行支付过程的操作的确认产生的；
根据所述回复信息的验证结果决定是否完成支付。
优选地，还包括：
获得账户代理请求指令，对所述账户代理请求指令进行解析，获得账户代理请求指令的控制信息；
根据所述账户代理请求指令的控制信息查询账户代理请求指令的内容信息，获得登陆账号和交易账号，对登陆账号和交易账号进行验证；
验证通过后，建立登陆账号和交易账号之间的代理关系。
优选地，还包括：
在获取代理支付请求指令之前，获得交易验证请求指令，对所述交易验证请求指令进行解析，获得交易验证请求指令的控制信息；
根据交易验证请求指令的控制信息查询交易验证请求指令的内容信息，获得登陆账号，对登陆账号进行有效性验证，验证通过后，才允许获取代理支付请求指令。
优选地，还包括：
获得账户代理取消指令，对所述账户代理取消指令进行解析，获得账户代理取消指令的控制信息；
根据所述账户代理取消指令的控制信息查询账户代理取消指令的内容信息，获得交易账号，对交易账号进行有效性验证；
验证通过后，取消登陆账号和交易账号之间的代理关系。
优选地，还包括：
存储账户信息、代理关系、操作日志、验证信息。
为实现上述目的，本发明还提供了一种代理支付装置，包括：
第一解析指令单元，用于获得代理支付请求指令，对所述代理支付请求指令进行解析，获得代理支付请求指令的控制信息；其中，所述代理支付请求指令是根据代理人通过委托人的账户执行支付过程的操作产生；
代理支付行为验证单元，用于根据代理支付请求指令的控制信息查询代理支付请求指令的内容信息，获得登陆账号、交易账号，对登陆账号和交易账号的代理关系进行验证；验证通过后，生成支付确认信息；根据所述支付确认信息获得回复信息，验证回复信息；其中，所述交易账号为委托人的账户；所述回复信息是根据委托人对代理人执行支付过程的操作的确认产生的；
支付单元，用于根据所述回复信息的验证结果决定是否完成支付。
优选地，还包括：
第二解析指令单元，用于获得账户代理请求指令，对所述账户代理请求指令进行解析，获得账户代理请求指令的控制信息；
代理关系验证单元，用于根据所述账户代理请求指令的控制信息查询账户代理请求指令的内容信息，获得登陆账号和交易账号，对登陆账号和交易账号进行验证；
代理关系建立单元，用于验证通过后，建立登陆账号和交易账号的代理关系。
优选地，还包括：
第三解析指令单元，用于在获取代理支付请求指令之前，获得交易验证请求指令，对所述交易验证请求指令进行解析，获得交易验证请求指令的控制信息；
登陆账号验证单元，用于根据交易验证请求指令的控制信息查询交易验证请求指令的内容信息，获得登陆账号，对登陆账号进行有效性验证，验证通过后，才允许获取代理支付请求指令。
优选地，还包括：
第四解析指令单元，用于获得账户代理取消指令，对所述账户代理取消指令进行解析，获得账户代理取消指令的控制信息；
交易账号验证单元，用于根据所述账户代理取消指令的控制信息查询账户代理取消指令的内容信息，获得交易账号，对交易账号进行有效性验证；
代理关系取消单元，用于验证通过后，取消登陆账号和交易账号之间的代理关系。
优选地，还包括：存储单元；
所述存储单元，用于存储账户信息、代理关系、操作日志、验证信息。
为实现上述目的，本发明还提供一种电子设备，所述电子设备包括如前所述的代理支付装置。
与现有技术方案相比，本技术方案通过对账户操作权限与支付权限分离设计，它具有如下特点：
1、代理人看到的只是委托人账号标识(一串字母或数字)，无法看到委托人的其他信息(如密码、身份证号、卡号等)。
2、代理人替代委托人执行复杂的支付操作过程行为。
3、代理人的替代行为是否最终有效，即是否可以完成支付操作，需经过委托人确认。
4、账户之间设置代理关系，必须得到委托方的确认回复后方可生效，并且委托人可单方自主撤销账户之间代理关系。
本技术方案实际上只是让别人知道了自己的账号，达到的效果是他人不用登陆自己的账户便可替本人发起支付交易，而交易必须由本人回复确认后才生效。巧妙解决了不善操作电脑与手机人群的支付问题。
附图说明
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为本发明实施方式的应用场景图；
图2为本发明实施例提供的一种代理支付装置的结构示意图之一；
图3为本发明实施例提供的一种代理支付装置的结构示意图之二；
图4为本发明实施例提供的一种代理支付装置的结构示意图之三；
图5为本发明实施例提供的一种代理支付装置的结构示意图之四；
图6为本发明实施例提供的一种代理支付方法流程图之一；
图7为本发明实施例的代理支付方法中代理关系的建立流程图；
图8为本发明实施例提供的一种代理支付方法流程图之二；
图9为本发明实施例的代理支付方法中代理关系的取消流程图；
图10为本发明实施例提供的一种电子设备框图；
图11为具体实施例对于代理关系设置的流程示意图；
图12为具体实施例对于代理支付的流程示意图。
具体实施方式
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
本领域技术人员知道，本发明的实施方式可以实现为一种系统、装置、设备、方法或计算机程序产品。因此，本公开可以具体实现为以下形式，即：完全的硬件、完全的软件(包括固件、驻留软件、微代码等)，或者硬件和软件结合的形式。
根据本发明的实施方式，提出了一种代理支付方法、装置以及电子设备。
在本文中，需要理解的是，所涉及的术语中：
1、委托人：对于本技术方案来讲，将账户操作的权限委托给他人，代替自己执行支付过程行为的人。为确保委托人权益问题，支付过程行为需经过委托人确认才可生效，委托人的确认方式可以为输入支付密码等。
2、代理人：对于本技术方案来讲，登陆本人的账号，根据委托人的指示，通过委托人的账号为委托人执行支付操作行为的人。但是，该支付操作行为仅仅是支付过程的行为，不包括最终支付行为。
3、交易账号：为完成支付提供资金的账号。对于本技术方案来讲，当代理人执行代理支付时，交易账号是委托人的银行账户。当代理人为自己的交易行为支付时，交易账号是代理人的银行账户。
4、登陆账号：操控中心服务器执行支付过程操作的凭证(token)。当代理人为自己的交易行为支付时，登陆账号等同于交易账号。当代理人执行代理支付时，登陆账号不等同于交易账号。
此外，附图中的任何元素数量均用于示例而非限制，以及任何命名都仅用于区分，而不具有任何限制含义。
下面参考本发明的若干代表性实施方式，详细阐释本发明的原理和精神。
发明概述
常规上，现有电子支付的原理为：将智能终端登陆用户与用户本人的银行卡账号建立一种一一对应的关系，用户根据智能终端页面上的提示下执行对应操作，完成交易支付请求。
对于不熟悉或不方便使用电脑、手机操作的人来说这无疑是个问题。
为此，本发明提供了一种代理支付机制。代理支付机制将操作权限与支付权限分离，代理人只需登陆本人账户就可以对委托人账户进行操作，中心服务器将代理人的操作行为以通知方式发送至委托人端，委托人根据通知信息向中心服务器发出回复确认信息。如果中心服务器获得肯定性的回复确认，则根据代理人的操作行为完成支付。如果服务中心获得否定性的回复确认，则代理人执行的支付行为无效。
在本说明书中，中心服务器指代具有支付账户管理功能的系统和/或设备，不限于银行卡处理，还适用于任何虚拟账户。
在介绍了本发明的基本原理之后，下面具体介绍本发明的各种非限制性实施方式。
应用场景总览
首先参考图1，服务器100可以是服务器等，代理人移动终端200、委托人移动终端300均可以是手机、平板电脑等。代理人移动终端200、委托人移动终端300以及服务器100三者之间例如可以通过移动互联网等进行通信连接。
利用本技术方案的代理支付机制，委托人和代理人之间建立了对应的支付代理关系，中心服务器存储有该代理关系。委托人在网上购买商品，完成购买操作，需要支付款项。委托人通过委托人移动终端300通知代理人执行支付代理操作。为后面代理支付行为的安全性出发，在代理支付之前，先验证该登陆行为是否为代理人本人所为。验证的过程为：代理人受到委托人的通知后，通过代理人移动终端200登陆本人账号，代理人移动终端200根据该登陆行为产生交易验证请求，并传输至服务器100，服务器100根据该交易验证请求执行一系列验证操作，验证该登陆行为是否为本人所为，防止其他人恶意登陆而为之。服务器100将验证结果传输至代理人移动终端200。若验证通过，代理人在移动终端200为委托人执行除最终支付行为之外的其他操作行为，移动终端200根据这些操作行为产生代理支付请求，并发送至服务器100。服务器100对该代理支付请求再次执行一系列验证操作，主要目的在于判断此次支付行为是否为代理支付行为，如果是代理支付行为，则根据代理人的操作行为生成支付确认信息，并将该支付确认信息发送至委托人移动终端300。委托人收到该支付确认信息后，核对该信息是否准确。委托人根据该支付确认信息在委托人移动终端300生成回复信息，并传输至服务器100。该服务器100判断该回复信息是否为肯定性。如果该回复信息为肯定性信息，则完成支付。
如果该回复信息为否定性的，即使代理人执行了相应操作，仍然不能够完成支付。
示例性装置
下面结合图1的应用场景，参考图2、图3、图4分别对本发明示例性实施方式的代理支付装置进行介绍。
需要注意的是，上述应用场景仅是为了便于理解本发明的精神和原理而示出，本发明的实施方式在此方面不受任何限制。相反，本发明的实施方式可以应用于适用的任何场景。
参见图2，为本发明实施例提供的代理支付装置的结构示意图之一。如图所示，代理支付装置包括：第一解析指令单元201、代理支付行为验证单元202和支付单元203。其中，
第一解析指令单元201，用于获得代理支付请求指令，对所述代理支付请求指令进行解析，获得代理支付请求指令的控制信息；其中，所述代理支付请求指令是根据代理人通过委托人的账户执行支付过程的操作产生；
代理支付行为验证单元202，用于根据代理支付请求指令的控制信息查询代理支付请求指令的内容信息，获得登陆账号、交易账号，对登陆账号和交易账号的代理关系进行验证；验证通过后，生成支付确认信息；根据所述支付确认信息获得回复信息，验证回复信息；其中，所述交易账号为委托人的账户；所述登陆账号为代理人的账户；所述回复信息是根据委托人对代理人执行支付过程的操作的确认产生的；
支付单元203，用于根据所述回复信息的验证结果决定是否完成支付。
对于本实施例来说，代理支付行为验证单元是让委托人确认代理人支付过程操作行为的合法性。只有委托人确认了，代理人的支付行为才能有效。中心服务器根据代理人的支付行为完成支付。
进一步地，本发明实施例提供一种代理支付装置的结构示意图之二。如图3所示，在图2的基础，还包括：
第二解析指令单元204，用于获得账户代理请求指令，对所述账户代理请求指令进行解析，获得账户代理请求指令的控制信息；
代理关系验证单元205，用于根据所述账户代理请求指令的控制信息查询账户代理请求指令的内容信息，获得登陆账号和交易账号，对登陆账号和交易账号进行验证；
代理关系建立单元206，用于验证通过后，建立登陆账号和交易账号的代理关系。
对于本实施例来说，代理关系验证单元205是在建立代理关系之前，审核二者之间是否已经建立过代理关系，以及登录账号和交易账号的合法性。
进一步地，本发明实施例提供一种代理支付装置的结构示意图之三。如图4所示，在图3的基础上，还包括：
第三解析指令单元207，用于在获取代理支付请求指令之前，获得交易验证请求指令，对所述交易验证请求指令进行解析，获得交易验证请求指令的控制信息；
登陆账号验证单元208，用于根据交易验证请求指令的控制信息查询交易验证请求指令的内容信息，获得登陆账号，对登陆账号进行有效性验证，验证通过后，才允许获取代理支付请求指令。
在代理支付之前，先验证该登陆行为是否为代理人本人所为，防止其他人恶意而为之，为后面代理支付行为的安全性打基础。
进一步地，本发明实施例提供一种代理支付装置的结构示意图之三。如图5所示，在图4的基础上，还包括：
第四解析指令单元209，用于获得账户代理取消指令，对所述账户代理取消指令进行解析，获得账户代理取消指令的控制信息；
交易账号验证单元210，用于根据所述账户代理取消指令的控制信息查询账户代理取消指令的内容信息，获得交易账号，对交易账号进行有效性验证；
代理关系取消单元211，用于验证通过后，取消登陆账号和交易账号之间的代理关系。
对于本实施例来说，交易账号验证单元210是在委托人取消代理关系时，验证该操作是否为委托人本人执行，并不是恶意而为之，同时确保了委托人和代理人之间的权益。
在图2、图3、图4、图5的基础上，代理支付装置还包括：存储单元；其中，所述存储单元，用于存储账户信息、代理关系、操作日志、验证信息。
由图2、图3、图4、图5可知，外部支付应用可以通过TCP通讯和API函数两种方式来调用本装置，代理支付装置将操作指令解析后，调用内部对应服务流程，最后返回处理结果。
由图2、图3、图4、图5可知，本装置由解析器、服务区、验证区、即时通讯接口共五个部分组成。
解析器接收外部应用请求指令，解析指令，根据指令类型调用服务区对应的服务。指令由指令头和指令体两部分构成。指令头包括版本号、指令长度和通信方式。指令体包括控制信息和内容信息。控制信息由指令类型、代理标志和应答码构成。内容信息由系统跟踪号、操作日期、操作时间、登录账号、交易账号、验证码、失效时间、订单内容构成。请见下表1。
指令中的所有字段均为固定长度，因此应用服务通过内存结构体映射获取到指令的各个字段内容。
表1
Figure PCTCN2016079732-appb-000001
读取固定长度的指令头，从中依次获取到版本号、指令长度、通信方式，这三项数据都用于对指令合法性的校验。如果校验通过，则继续读取指令体内容进行处理，如果校验不通过，则组装一个应答指令并返回调用方。应答指令中需要填写指令类型、应答码，其他字段信息与请求指令保持一致。
读取指令体的控制信息，根据指令类型、代理标志两个字段信息，查询指令的内容信息，对内容信息进行校验，调用代理支付服务。
对于服务区来说，服务区提供账户管理的所有服务功能，包括登录账户注册，账户代理关系的设置，账户交易处理服务，账户交易代理服务，以及记录操作日志，每一个服务都是一个封装的功能集合，可以处理一个或多个指令类型。
对于验证区来说，是对账户操作提供安全验证功能。包括普通交易验证，代理操作的支付验证，以及验证异常处理等。验证功能不单独对外服务，只能通过服务区的服务进行内部调用。
存储单元存储了用户账户信息、账户之间的代理关系，以及每次操作的日志。
由图2、图3、图4、图5可知，时通讯接口可以连接第三方通讯平台，向用户发送交易验证码、支付确认等信息。
对于本装置来说，不管交易账号还是登录账号，既可以是真实的银行卡，也可以是虚拟卡。
对本装置来说，设置账户代理关系后，代理人只要登录本人账户即可对代理账户进行操作，并且可同时代理多个他人账户，各账户间互相独立，互不影响。并且，为所有 的账户交易提供安全支付验证功能，对代理人发起的支付请求，最终由委托人确认才会生效，既实现了代理操作的便捷性，又保证了账户支付的安全性。
此外，尽管在上文详细描述中提及了代理支付装置的若干单元，但是这种划分仅仅并非强制性的。实际上，根据本发明的实施方式，上文描述的两个或更多单元的特征和功能可以在一个单元中具体化。同样，上文描述的一个单元的特征和功能也可以进一步划分为由多个单元来具体化。
示例性方法
在介绍了本发明示例性实施方式的设备之后，接下来，参考图5对本发明示例性实施方式的代理支付方法进行介绍。
图6为本发明实施例提供的代理支付方法的流程示意图之一。包括：
步骤601)：获得代理支付请求指令，对所述代理支付请求指令进行解析，获得代理支付请求指令的控制信息；其中，所述代理支付请求指令是根据代理人通过委托人的账户执行支付过程的操作产生；
步骤602)：根据代理支付请求指令的控制信息查询代理支付请求指令的内容信息，获得登陆账号、交易账号，对登陆账号和交易账号的代理关系进行验证；验证通过后，生成支付确认信息；根据所述支付确认信息获得回复信息，验证回复信息；其中，所述交易账号为委托人的账户；所述登陆账号为代理人的账户；所述回复信息是根据委托人对代理人执行支付过程的操作的确认产生的；
步骤603)：根据所述回复信息的验证结果决定是否完成支付。
对于本实施例来说，代理支付必须基于代理关系进行。代理关系的建立在执行步骤601之前，如图7所示，代理关系的建立流程包括：
步骤1)：获得账户代理请求指令，对所述账户代理请求指令进行解析，获得账户代理请求指令的控制信息；
步骤2)：根据所述账户代理请求指令的控制信息查询账户代理请求指令的内容信息，获得登陆账号和交易账号，对登陆账号和交易账号进行验证；
步骤3)：验证通过后，建立登陆账号和交易账号之间的代理关系。
在步骤2中，登陆账号和交易账号的验证包括：对登陆账号和交易账号合法性进行验证；将验证信息发生至委托人客户端，委托人客户端向中心服务器发送回复确认，确认建立代理支付关系。只有通过上述验证，才能够建立代理关系。
如图8所示，为本发明实施例提供的代理支付方法的流程示意图之二。包括：
步骤801)：获得交易验证请求指令，对所述交易验证请求指令进行解析，获得交易验证请求指令的控制信息；
步骤802)：根据交易验证请求指令的控制信息查询交易验证请求指令的内容信息，获得登陆账号，对登陆账号进行有效性验证；其中，登陆账号为代理人的账户；
步骤803)：验证通过后，获得代理支付请求指令，对所述代理支付请求指令进行解析，获得代理支付请求指令的控制信息；其中，所述代理支付请求指令是根据代理人通过委托人的账户执行支付过程的操作产生；
步骤804)：根据代理支付请求指令的控制信息查询代理支付请求指令的内容信息，获得登陆账号、交易账号，对登陆账号和交易账号的代理关系进行验证；验证通过后，生成支付确认信息；根据所述支付确认信息获得回复信息，验证回复信息；其中，所述交易账号为委托人的账户；所述回复信息是根据委托人对代理人执行支付过程的操作的确认产生的；
步骤805)：根据所述回复信息的验证结果决定是否完成支付。
图8与图5相比较，在获得代理支付请求指令之前，验证是否为代理人本人意愿发送的代理支付请求，防止为代理人本人恶意而为之，为后续代理支付的安全性奠定基础。
对于本实施例来说，代理支付关系可以依需要建立，也可以随时解除代理关系。如图9所示，代理关系的解除流程包括：
步骤11)：获得账户代理取消指令，对所述账户代理取消指令进行解析，获得账户代理取消指令的控制信息；
步骤12)：根据所述账户代理取消指令的控制信息查询账户代理取消指令的内容信息，获得交易账号，对交易账号进行有效性验证；
步骤13)：验证通过后，取消登陆账号和交易账号之间的代理关系。
分析图6、图7、图8、图9可知，账户代理关系生效后，代理人登录本人账户，就可看到代理账号，该代理账号在支付过程中启到支付交易的作用。代理人看到的只是他人账号标识(一串字母或数字)，无法看到账号其他信息(如密码、身份证号、卡号等)。
从上可以看出，实际上只是让代理人知道委托人的账号，达到的效果是代理人登录自己的账户，通过委托人的账号替代委托人操作支付过程，而交易必须由委托人回复确认后才生效。另外，委托人可单方自主撤销账户之间代理关系。
应当注意，尽管在附图中以特定顺序描述了本发明方法的操作，但是，这并非要求或者暗示必须按照该特定顺序来执行这些操作，或是必须执行全部所示的操作才能实现期望的结果。附加地或备选地，可以省略某些步骤，将多个步骤合并为一个步骤执行，和/或将一个步骤分解为多个步骤执行。
示例性设备
基于上述示例性装置和方法，本实施例还提出一种电子设备，如图10所示。该电子设备用于根据各种请求指令去运行代理支付应用程序，包括：
存储器a，用于存储请求指令；
处理器b，其与所述存储器耦合，该处理器被配置为执行存储在所述存储器中的请求指令，其中，所述处理器被配置的应用程序用于：
获得代理支付请求指令，对所述代理支付请求指令进行解析，获得代理支付请求指令的控制信息；其中，所述代理支付请求指令是根据代理人通过委托人的账户执行支付过程的操作产生；
根据代理支付请求指令的控制信息查询代理支付请求指令的内容信息，获得登陆账号、交易账号，利用应用程序对登陆账号和交易账号的代理关系进行验证；验证通过后，生成支付确认信息；根据所述支付确认信息获得回复信息，验证回复信息；其中，所述交易账号为委托人的账户；所述登陆账号为代理人的账户；所述回复信息是根据委托人对代理人执行支付过程的操作的确认产生的；
根据所述回复信息的验证结果决定是否完成支付。
在代理关系的建立方面，处理器b进一步被配置的应用程序还用于：
获得账户代理请求指令，对所述账户代理请求指令进行解析，获得账户代理请求指令的控制信息；
根据所述账户代理请求指令的控制信息查询账户代理请求指令的内容信息，获得登陆账号和交易账号，对登陆账号和交易账号进行验证；
验证通过后，建立登陆账号和交易账号之间的代理关系。
在代理支付发送之前，对代理人的登陆账号进行验证，分析是否为代理人本人所为。处理器b进一步被配置的应用程序还用于：
在获取代理支付请求指令之前，获得交易验证请求指令，对所述交易验证请求指令进行解析，获得交易验证请求指令的控制信息；
根据交易验证请求指令的控制信息查询交易验证请求指令的内容信息，获得登陆账号，对登陆账号进行有效性验证，验证通过后，才允许获取代理支付请求指令。
在代理关系的取消方面，处理器b进一步被配置的应用程序还用于：
获得账户代理取消指令，对所述账户代理取消指令进行解析，获得账户代理取消指令的控制信息；
根据所述账户代理取消指令的控制信息查询账户代理取消指令的内容信息，获得交易账号，对交易账号进行有效性验证；
验证通过后，取消登陆账号和交易账号之间的代理关系。
本发明实施例还提供一种计算机可读程序，其中当在电子设备中执行所述程序时，所述程序使得计算机在所述电子设备中执行如图6、图7、图8以及图9所述的代理支付方法。
本发明实施例还提供一种存储有计算机可读程序的存储介质，其中所述计算机可读程序使得计算机在电子设备中执行如图6、图7、图8以及图9所述的代理支付方法。
实施例
为了能够更加直观的描述本发明的特点和工作原理，下文将结合一个实际运用场景来描述。
场景描述：年迈的父母不善电脑使用，委托异地工作的子女代为购买网上的理财产品，父母要求账户独立，子女无法查看父母账户具体信息，并且每笔购买交易都需要父母本人确认方可生效。
(1)代理关系设置
场景描述：父母和子女在支付平台都有自己的独立账户，子女在支付平台发起代理父母账户的请求，经父母确认，代理关系生效。
如图11所示，为本实施例对于代理关系设置的流程示意图。流程分两个阶段：
第一阶段账户代理请求流程：
a)代理人(子女)在支付平台登录本人账户后，输入委托人(父母)账号，向中心服务器发送“账户代理请求”指令。
b)服务器读取指令，校验通过后，读取指令类型为“设置账户代理关系”，从指令内容中读取登录账号(子女)和交易账号(父母)，根据账号查找数据库并检查两个账户是否都为正常状态，然后向委托人(父母)发送验证码，通过即时通信接口向委托人 (父母)发送验证请求。其中，验证请求包括填写指令类型、应答码、验证码、系统跟踪号，其他内容与原请求指令一致。同时，中心服务器存储账户代理关系记录。在这里需要说明的是，系统跟踪号的作用在于关联请求指令与应答指令。
第二阶段账户代理生效流程：
c)在委托人(父母)输入验证码，通过即时通信接口回复至中心服务器，服务器根据输入的信息组成应答指令；
d)根据查找账户代理关系记录以及系统跟踪号，请求指令与应答指令通过验证码进行匹配，一旦通过验证，生效账户代理关系。
关于取消代理关系的具体工作方式，可参考图7相应步骤的具体工作方式，此次不再赘述。
(2)代理支付
场景描述：代理人对代理的账户进行支付。子女使用父母账户替父母支付所购买的理财产品。
如图12所示，为本实施例对于代理支付的流程示意图。流程分三个阶段：
第一阶段：登录账号的验证
a)子女登录本人账户，选择父母账户支付。向中心服务器发送“交易验证请求”指令；
b)中心服务器获得交易验证请求指令，对交易验证请求指令进行解析，获得交易验证请求指令的控制信息；根据交易验证请求指令的控制信息查询交易验证请求指令的内容信息，获得登陆账号，对登陆账号进行有效性验证；
第二阶段：支付确认信息的产生
c)第一阶段验证通过后，代理人客户端执行支付过程的操作，中心服务器根据该操作产生“代理支付请求”指令；该“代理支付请求”包括订单内容、代理人客户端操作产生的结果信息。
d)“代理支付请求”指令进行解析，从指令中读出指令类型(代理支付请求)，代理标志(是)，根据这些信息从指令内容中读取登录账号、交易账号，查找并校验账户代理关系。校验包括：中心服务器生成一验证码以及验证码失效时间。将验证码和验证码失效时间与“代理支付请求”指令一起组装，生成支付确认信息。并将支付确认信息发送至委托人(父母)。同时，存储服务日志以及各种请求指令。
第三阶段：代理支付生效
e)在委托人(父母)根据支付确认信息输入验证码而产生回复信息，回复信息通过即时通讯接口传输至中心服务器；
f)中心服务器查找上一阶段的服务日志，判断是否超出验证失效时间，若已失效，则更新服务日志状态为处理超时，并返回委托人(父母)失败信息；否则，更新服务日志状态为正常回复，确认代理人执行的支付过程操作行为有效，完成支付交易。
本技术方案可以执行一般支付交易。对于图1～图10没有示出，可以参考现有技术。值得注意的是，这种情况下，登录账号和交易账号对应相同的用户。
通过上述实施例描述可知，委托人可方便地将账户委托他人进行操作，但是账户的每一笔支付交易仍由本人回复确认后方可生效，安全性高。
以上所述的具体实施方式，对本发明的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本发明的具体实施方式而已，并不用于限定本发明的保护范围，凡在本发明的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (11)

  1. 一种代理支付方法，其特征在于，包括：
    获得代理支付请求指令，对所述代理支付请求指令进行解析，获得代理支付请求指令的控制信息；其中，所述代理支付请求指令是根据代理人通过委托人的账户执行支付过程的操作产生；
    根据代理支付请求指令的控制信息查询代理支付请求指令的内容信息，获得登陆账号、交易账号，对登陆账号和交易账号的代理关系进行验证；验证通过后，生成支付确认信息；根据所述支付确认信息获得回复信息，验证回复信息；其中，所述交易账号为委托人的账户；所述登陆账号为代理人的账户；所述回复信息是根据委托人对代理人执行支付过程的操作的确认产生的；
    根据所述回复信息的验证结果决定是否完成支付。
  2. 如权利要求1所述的方法，其特征在于，还包括：
    获得账户代理请求指令，对所述账户代理请求指令进行解析，获得账户代理请求指令的控制信息；
    根据所述账户代理请求指令的控制信息查询账户代理请求指令的内容信息，获得登陆账号和交易账号，对登陆账号和交易账号进行验证；
    验证通过后，建立登陆账号和交易账号之间的代理关系。
  3. 如权利要求1所述的方法，其特征在于，还包括：
    在获取代理支付请求指令之前，获得交易验证请求指令，对所述交易验证请求指令进行解析，获得交易验证请求指令的控制信息；
    根据交易验证请求指令的控制信息查询交易验证请求指令的内容信息，获得登陆账号，对登陆账号进行有效性验证，验证通过后，才允许获取代理支付请求指令。
  4. 如权利要求1或2所述的方法，其特征在于，还包括：
    获得账户代理取消指令，对所述账户代理取消指令进行解析，获得账户代理取消指令的控制信息；
    根据所述账户代理取消指令的控制信息查询账户代理取消指令的内容信息，获得交易账号，对交易账号进行有效性验证；
    验证通过后，取消登陆账号和交易账号之间的代理关系。
  5. 如权利要求1或2所述的方法，其特征在于，还包括：
    存储账户信息、代理关系、操作日志、验证信息。
  6. 一种代理支付装置，其特征在于，包括：
    第一解析指令单元，用于获得代理支付请求指令，对所述代理支付请求指令进行解析，获得代理支付请求指令的控制信息；其中，所述代理支付请求指令是根据代理人通过委托人的账户执行支付过程的操作产生；
    代理支付行为验证单元，用于根据代理支付请求指令的控制信息查询代理支付请求指令的内容信息，获得登陆账号、交易账号，对登陆账号和交易账号的代理关系进行验证；验证通过后，生成支付确认信息；根据所述支付确认信息获得回复信息，验证回复信息；其中，所述交易账号为委托人的账户；所述登陆账号为代理人的账户；所述回复信息是根据委托人对代理人执行支付过程的操作的确认产生的；
    支付单元，用于根据所述回复信息的验证结果决定是否完成支付。
  7. 如权利要求6所述的装置，其特征在于，还包括：
    第二解析指令单元，用于获得账户代理请求指令，对所述账户代理请求指令进行解析，获得账户代理请求指令的控制信息；
    代理关系验证单元，用于根据所述账户代理请求指令的控制信息查询账户代理请求指令的内容信息，获得登陆账号和交易账号，对登陆账号和交易账号进行验证；
    代理关系建立单元，用于验证通过后，建立登陆账号和交易账号的代理关系。
  8. 如权利要求6所述的装置，其特征在于，还包括：
    第三解析指令单元，用于在获取代理支付请求指令之前，获得交易验证请求指令，对所述交易验证请求指令进行解析，获得交易验证请求指令的控制信息；
    登陆账号验证单元，用于根据交易验证请求指令的控制信息查询交易验证请求指令的内容信息，获得登陆账号，对登陆账号进行有效性验证，验证通过后，才允许获取代理支付请求指令。
  9. 如权利要求6或7所述的装置，其特征在于，还包括：
    第四解析指令单元，用于获得账户代理取消指令，对所述账户代理取消指令进行解析，获得账户代理取消指令的控制信息；
    交易账号验证单元，用于根据所述账户代理取消指令的控制信息查询账户代理取消指令的内容信息，获得交易账号，对交易账号进行有效性验证；
    代理关系取消单元，用于验证通过后，取消登陆账号和交易账号之间的代理关系。
  10. 如权利要求6或7所述的装置，其特征在于，还包括：存储单元；
    所述存储单元，用于存储账户信息、代理关系、操作日志、验证信息。
  11. 一种电子设备，所述电子设备包括如权利要求6至10任一项所述的代理支付装置。
PCT/CN2016/079732 2015-05-27 2016-04-20 一种代理支付方法、装置以及电子设备 WO2016188272A1 (zh)

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