WO2017107653A1

WO2017107653A1 - Mobile payment method, related device and system

Info

Publication number: WO2017107653A1
Application number: PCT/CN2016/103421
Authority: WO
Inventors: 何进龙; 王彬
Original assignee: 华为技术有限公司
Priority date: 2015-12-22
Filing date: 2016-10-26
Publication date: 2017-06-29
Also published as: CN106910053A; BR112018012556A2

Abstract

A mobile payment method, a mobile payment server and payment interworking server. In the mobile payment method, after a first mobile payment system receives a transfer request of a user, sending a routing request message to a payment interworking server according to identifier information about a transferee to acquire an identifier of a second mobile payment system where the transferee is located, and then directly initiating a transfer request to the second mobile payment system so as to realize a transfer to the transferee. Compared with the prior art, the mobile payment method does not need the payment interworking server to process the transfer request when performing a transfer, and the processing procedure is simple, thus improving mobile payment efficiency.

Description

Mobile payment method, related device and system

The present application claims priority to Chinese Patent Application No. 201510973593.4, entitled "Mobile Payment Method, Related Devices and Systems", filed on Dec. 22, 2015, the entire contents of in.

Technical field

The present invention relates to the field of mobile communication technologies, and in particular, to a mobile payment method, related apparatus, and system.

Background technique

Mobile payment, also known as mobile payment, allows a user to use his mobile terminal to make a payment for goods or services that are consumed. A platform or system that provides mobile payment services, which we call mobile payment systems. For example, the Paypal payment system provided by eBay, the WeChat payment system provided by Tencent, and the M-pesa payment system provided by Vodafone.

The existing mobile payment system usually provides the Mobile Station International ISDN Number (MSISDN) registration function when the user registers, which is referred to as the mobile phone number registration, and the mobile phone number can be Identify the users within the mobile payment system.

The transfer function is a basic function provided by the mobile payment system. The prior art provides a transfer function between payment systems by means of a mobile phone number. FIG. 1 is a cross-system mobile payment method provided by the prior art, which includes the following steps:

Step 101: The mobile payment system of the transferee receives the transfer request sent by the transferee user, and the transfer request carries the account information of the transferee, the mobile phone number of the transferee, and the transfer amount.

Step 102: The mobile payment system of the transferring party sends a notification message to the mobile terminal corresponding to the mobile phone number of the transferring party, where the transfer amount and the account information of the transferring party are carried.

Step 103: The mobile payment system of the transfer party receives the transferee account information sent by the transfer party.

Step 104: The mobile payment system of the transferring party sends a transfer request to the payment interworking server according to the information of the transferee account, where the transfer amount and the account information of the transferee are carried;

Step 105: The payment interworking server processes the received transfer request, saves the transfer data, and sends an acknowledgement message to the transfer mobile payment system;

Step 106: The payment interworking server sends a transfer request to the mobile payment system of the transfer party, where Carry the account information and transfer amount of the transferee;

Step 107: The transfer party's mobile payment system processes the received transfer request, saves the transfer data, and sends an acknowledgement message to the payment interworking server to confirm that the mobile payment is successful.

The mobile payment method in the prior art needs to process the transfer request by the payment interworking server, that is, the payment server needs to pay the accounting processing and settlement function, the data processing is complicated, and the processing period is long, so that the payment efficiency is low.

Summary of the invention

Embodiments of the present invention provide a method, an apparatus, and a mobile payment system for improving mobile payment efficiency.

In a first aspect, an embodiment of the present invention provides a mobile payment method, which is applied to a first mobile payment system, and includes:

Obtaining a first transfer request message, where the first transfer request message carries the identification information of the transferee and the transfer amount data;

Sending a routing request message to the payment interworking server, where the routing request message carries the identification information of the transferring party;

Receiving a route response message returned by the payment interworking server, where the route response message carries the identification information of the second mobile payment system corresponding to the transfer party;

Transmitting, according to the identifier information of the second mobile payment system, the second transfer request message to the second mobile payment system, where the second transfer request message carries the identification information of the transfer party and the transfer amount data;

Receiving a transfer result response message returned by the second mobile payment system.

In the mobile payment method provided by the embodiment of the present invention, after receiving the transfer request of the user, the first mobile payment system sends a route request message to the payment interworking server according to the identification information of the transfer party to obtain the second place where the transfer party is located. The identification of the mobile payment system then initiates a transfer request directly to the second mobile payment system, thereby effecting a transfer to the transferee. Compared with the prior art, the mobile payment method provided by the embodiment of the present invention does not need to process the transfer request by the payment interworking server when performing the transfer, and the processing procedure is simple, and the mobile payment efficiency is improved.

With reference to the first aspect, in the first implementation manner of the first aspect, the routing response message further includes the payment interface information of the second mobile payment system;

The sending the second transfer request message to the second mobile payment system according to the identifier information of the second mobile payment system includes:

And transmitting, by the second mobile payment system, the second transfer request message according to the identification information of the second mobile payment system and the payment interface information.

With reference to the first aspect, the first embodiment of the first aspect, in the second implementation manner of the first aspect, the method further includes: between the acquiring the first transfer request message and the sending the route request message to the payment interworking server :

Determining, according to the identification information of the transferee, whether the transfer party belongs to the first mobile payment system;

When the transfer party does not belong to the first mobile payment system, the step of sending a route request message to the payment interworking server is performed.

In conjunction with the first aspect, in a third implementation manner of the first aspect, the method further includes:

Sending a registration message to the payment interworking server, where the registration message carries the identification information of the transfer party and the identifier of the first mobile payment system, so as to save the user registered in each mobile payment system on the payment interworking server. Identification information and the identity of the corresponding mobile payment system.

In a second aspect, the present invention provides a mobile payment method, which is applied to a payment interworking server, and includes:

Receiving a routing request message sent by the first mobile payment system, where the routing request message carries the identification information of the transferring party;

Querying, according to the identification information of the transferee, an identifier of the second mobile payment system corresponding to the transfer party;

Sending a routing response message to the first mobile payment system, where the routing response message carries the identification information of the second mobile payment system corresponding to the forwarding party.

With reference to the second aspect, in a first possible implementation, the identifier of the second mobile payment system corresponding to the transfer party is obtained according to the identifier information of the transferee:

Querying, according to the identification information of the transferee, a plurality of mobile payment systems corresponding to the transfer party;

Obtaining an identifier of the second mobile payment system preferred by the transferee in the query result.

With reference to the second aspect, in a second possible implementation manner, the method further includes:

Querying, according to the identification information of the transferee, the payment interface information of the second mobile payment system corresponding to the transfer party;

The routing response message sent to the first mobile payment system further carries the payment interface information, so that the first mobile payment system directly sends a transfer request to the second mobile payment system according to the received interface information, without Locally querying payment interface information improves transfer efficiency.

In combination with the second aspect, the first possible implementation of the second aspect, the second In a third possible implementation manner, the method further includes:

Receiving a registration message sent by the second mobile payment system, where the registration message carries the identification information of the transfer party and the identifier of the second mobile payment system.

In a third aspect, an embodiment of the present invention provides a mobile payment server, which is applied to a first mobile payment system, and includes:

a transfer request obtaining unit, configured to acquire a first transfer request message, where the first transfer request message carries the identification information of the transferee and the transfer amount data;

a routing requesting unit, configured to send a routing request message to the payment interworking server, where the routing request message carries the identification information of the forwarding party;

a response receiving unit, configured to receive a routing response message returned by the payment interworking server, where the routing response message carries the identification information of the second mobile payment system corresponding to the forwarding party;

a request sending unit, configured to send, according to the identifier information of the second mobile payment system, a second transfer request message to the second mobile payment system, where the second transfer request message carries the identification information of the transfer party and Transfer amount data;

The response receiving unit is further configured to receive a transfer result response message returned by the second mobile payment system.

With reference to the third aspect, in a first possible implementation, the routing response message further carries the payment interface information of the second mobile payment system;

The sending, by the request sending unit, the second transfer request message to the second mobile payment system according to the identifier information of the second mobile payment system includes:

The request sending unit sends a second transfer request message to the second mobile payment system according to the identification information of the second mobile payment system and the payment interface information.

With reference to the third aspect, the first possible implementation manner of the third aspect, in the second possible implementation manner, between the obtaining the first transfer request message and the sending the routing request message to the payment interworking server include:

With reference to the third aspect, the first possible implementation manner of the third aspect, the second possible implementation manner of the third aspect, in the third possible implementation manner of the third aspect, the request sending unit is further used Transmitting a registration message to the payment interworking server, where the registration message carries the transferee Identification information and an identification of the first mobile payment system.

In a fourth aspect, an embodiment of the present invention provides a payment interworking server, including:

a request receiving unit, configured to receive a routing request message sent by the first mobile payment system, where the routing request message carries the identification information of the transferring party;

a route querying unit, configured to query, according to the identifier information of the transferee, an identifier of the second mobile payment system corresponding to the transfer party;

The response sending unit is configured to send a routing response message to the first mobile payment system, where the routing response message carries the identification information of the second mobile payment system corresponding to the forwarding party.

With reference to the fourth aspect, in a first possible implementation manner, the routing query unit, according to the identification information of the forwarding party, querying the identifier of the second mobile payment system corresponding to the forwarding party includes:

The route query unit queries the plurality of mobile payment systems corresponding to the transfer party according to the identification information of the transferee, and obtains the identifier of the second mobile payment system that is preferred by the transferee in the query result.

With reference to the fourth aspect, the first possible implementation manner of the fourth aspect, in a second possible implementation, the route query unit is further configured to query the transfer party according to the identifier information of the transfer party Corresponding payment interface information of the second mobile payment system;

The routing response message sent to the first mobile payment system further carries the payment interface information.

In a fifth aspect, an embodiment of the present invention provides a mobile payment server, which is applied to a first mobile payment system, which includes an input device, an output device, a memory, and a processor, where the memory stores executable code when the processor executes When the executable code is stored in the memory, the mobile payment server performs the following method:

With reference to the fifth aspect, in a first possible implementation, the route response message further carries the payment interface information of the second mobile payment system;

The sending, by the mobile payment server, the second transfer request message to the second mobile payment system according to the identifier information of the second mobile payment system includes:

With reference to the fifth aspect, the first possible implementation manner of the fifth aspect, in a second possible implementation manner, the memory further includes executable code, where the processor performs the storage in the memory When the code is executed, the mobile payment server also performs the following methods:

Sending a registration message to the payment interworking server, where the registration message carries the identification information of the transfer party and the identifier of the first mobile payment system.

In a sixth aspect, an embodiment of the present invention provides a payment interworking server, which includes an input device, an output device, a memory, and a processor, where the memory stores executable code, when the processor executes executable executable in the memory When the code is executed, the payment interworking server performs the following methods:

With reference to the sixth aspect, in a first possible implementation, the memory further stores executable code, when the processor executes the executable code stored in the memory, the payment interworking server further performs the following Methods:

In the foregoing implementation manner, the foregoing first transfer request message further carries the identification information of the transferee, and the second transfer request message further carries the identification information of the transferee. Optionally, the identifier information of the transferee is the MSISDN or email address of the transferee.

The transfer process provided by the current invention is simplified, and only one mobile payment system is required for a single transfer transaction. Reconciliation between the systems improves the efficiency of mobile payments and reduces the operating costs of mobile payment systems.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Other drawings may also be obtained from those of ordinary skill in the art in light of the inventive work. among them:

1 is a flow chart of a mobile payment method provided by the prior art;

2 is a schematic diagram of networking of a mobile payment system according to an embodiment of the present invention;

3 is a hardware structural diagram of a mobile payment server and a payment interworking server according to an embodiment of the present invention;

4 is a flowchart of a mobile payment method according to Embodiment 1 of the present invention;

5 is a flowchart of a mobile payment method according to Embodiment 2 of the present invention;

6 is a flowchart of a mobile payment method according to Embodiment 3 of the present invention;

7 is a functional block diagram of a mobile payment system according to Embodiment 4 of the present invention;

FIG. 8 is a functional block diagram of a payment interworking server according to Embodiment 5 of the present invention.

detailed description

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without departing from the inventive scope are the scope of the present invention.

The invention provides a mobile payment method, a related device and a system. Referring to FIG. 2, FIG. 2 is a schematic diagram of networking of a mobile payment system according to an embodiment of the present invention.

As shown in the figure, the mobile payment system involved in the present invention mainly includes a mobile payment system A, a mobile payment system B, and a payment interworking server. The mobile payment system A and the mobile payment system B belong to different mobile payment systems. For example, the mobile payment system A is a WeChat payment system, and the mobile payment system B is a Paypal payment system. It should be noted that the mobile payment system A and the payment interworking server may be deployed separately or in combination, that is, each mobile payment system includes a payment interworking server, and data sharing between the payment interworking servers of each mobile payment system may be implemented.

Mobile payment system A includes mobile payment server A1, and mobile payment system B includes mobile payment The server B1, the mobile payment server A1 and the mobile payment server B1 are all connected to the payment interworking server through a communication interface. The payment interworking server provides a bridge for the mobile payment server A1 and the mobile payment server B1 to communicate, wherein the identification information of the registered users in the mobile payment system connected thereto and the identifier of the mobile payment system corresponding to the registered user are saved. information. The payment interworking server may be provided by the network operator, and the mobile payment server A1 and the mobile payment server B1 may send a registration message to the payment interworking server after the user registers, and the identification information of the registered user and the identification information of the mobile payment system corresponding to the registered user. The payment interworking server is notified, and the payment interworking server saves the identification information of the registered user and the identifier of the corresponding mobile payment system. In addition, the payment interworking server can also actively obtain the identification information of the users registered in the respective systems to the mobile payment server A1 and the mobile payment server B1. Optionally, the payment interworking server can be deployed in a Home Location Register (HLR) or a Home Subscriber Server (HSS) of the existing mobile communication network, or all functions of the payment interworking server are HLR or HSS is implemented.

Referring to FIG. 3, FIG. 3 is a hardware structural diagram of a mobile payment server and a payment interworking server according to an embodiment of the present invention.

The mobile payment server and the payment interworking server both use general computer hardware, and include a processor 201, a memory 202, a bus 203, an input device 204, an output device 205, and a network interface 206.

Specifically, the input device 204 can be used to input commands and information to a mobile payment server or a payment interworking server, such as a keyboard or pointing device, such as a mouse, a trackball, a touchpad, a microphone, a joystick, a game pad, a round basin. Satellite TV antenna, scanner or similar device. These input devices can be connected to the processor 201 via the bus 203.

The output device 205 can be used for the mobile payment server or the payment interworking server to output information. In addition to the monitor, the output device 205 can also be configured for other peripheral outputs, such as speakers and/or printing devices, which can also pass through the bus 203. Connected to the processor 201.

The mobile payment server or payment interworking server can be connected to the network via a network interface 206, such as to a local area network (LAN). In a networked environment, computer execution instructions stored in a mobile payment server or payment interworking server may be stored in a remote storage device without being limited to local storage.

Memory 202 can include computer storage media in the form of volatile and/or nonvolatile memory, such as read only memory and/or random access memory. Memory 202 can also include an operating system, applications, other program modules, executable code, and program data.

When the processor 201 in the mobile payment server executes the executable code or application stored in the memory 202, the mobile payment system A can perform the method steps on the mobile payment system side of Figures 4-6. When the processor 201 in the payment interworking server executes the executable code or application stored in the memory 202, the payment interworking server can perform the method steps of the payment interworking server side of FIGS. 4-6.

For example, the user 1 (the outgoing party) is the registered user in the mobile payment system A, and the user 2 (the transferee) is the registered user in the mobile payment system B, the identification information of the user 1 and the identification information of the mobile payment system A. The correspondence between the two is stored on the payment interworking server, and the correspondence between the identification information of the user 2 and the identification information of the mobile payment system B is stored on the payment interworking server. The user's identification information may be the user's email address, MSISDN, and other information that can uniquely identify the user. The identification information of the mobile payment system may be a manually assigned code, an access address of the mobile payment system, or an IP address of the mobile payment server.

In the embodiment of the present invention, the user 1 uses various interaction modes provided by the mobile payment service system A, such as a webpage, a smart phone application (Application, APP), and an Unstructured Supplementary Service Data (USSD) menu. The Subscriber Identifier Module (SIM) card menu, the telephone, etc. initiate a first transfer request message and transfer the money to the user 2.

With reference to FIG. 4, FIG. 4 is a flowchart of a mobile payment method according to Embodiment 1 of the present invention, which mainly includes the following steps:

Step 301: The mobile payment system A obtains a first transfer request message, where the first transfer request message carries the identification information of the transferee and the transfer amount data.

In this embodiment, the first transfer request message may further carry the identification information of the transfer user 1 or the account information of the transfer user 1 , such as an account number. The identification information of the transferee may be the MSISDN or the email address of the user 1, and the identification information of the transferee may be the MSISDN or the email address of the user 2.

Step 302: The mobile payment system A sends a routing request message to the payment interworking server, where the routing request message carries the identification information of the transferring party.

The mobile payment system may extract the identification information of the transferee user 2 in the transfer request, and send a route request message to the payment interworking server through the communication interface, where the route request message is used to request routing information of the transferee.

Step 303: The payment interworking server queries the identity of the mobile payment system corresponding to the transfer party according to the identification information of the transfer party, and returns a route response message to the mobile payment system A.

The payment interworking server receives the routing request message sent by the mobile payment system A, and queries the mobile payment system B corresponding to the user 2 according to the identification information of the transfer party user 2 carried in the routing request message, and then returns to the mobile payment server A1. The routing response message carries the identification information of the mobile payment system B. The identification information of the mobile payment system B may be the access address of the mobile payment system B or the name or code of the mobile payment system B.

In addition, the payment interworking server may further query the payment interface information of the mobile payment system corresponding to the transfer party according to the identification information of the transfer party, and return the queried payment interface information to the mobile payment system A through the route response message. The payment interface information may include parameters such as an interface name, an interface version, an interface address, and an interface validity period.

Specifically, the software code of step 303 at the specific implementation may be stored on the memory 202 in the payment platform server, and the code may be executed by the processor 201 in the payment interworking server.

Step 304: The mobile payment system A sends a second transfer request message to the mobile payment system B according to the identification information of the mobile payment system B, where the second transfer request message carries the identification information of the transferee and the transfer amount data.

In the embodiment of the present invention, if the routing response message received by the mobile payment system A carries the identification information of the mobile payment system B and the payment interface information of the mobile payment system B, the mobile payment system A according to the identification information of the mobile payment system B And the payment interface information sends a second transfer request message to the mobile payment system B. If the routing response message does not carry the payment interface information of the mobile payment system B, the mobile payment system A locally obtains the payment interface information of the mobile payment system B according to the identification information of the mobile payment system B, and then according to the queried payment interface information. A second transfer request message is sent to the mobile payment system B.

The mobile payment system A may further carry the identification information of the outgoing party user 1 or the account information of the outgoing party user 1, such as an account number, in the second transfer request message sent. Optionally, the transfer party is user 2, and the transfer party's identification information may be the user 2's MSISDN or email address.

It should be noted that the execution entities of the foregoing steps 301, 302, and 304 may specifically be the mobile payment server A1 in the mobile payment system A. When the software code of the foregoing steps can be stored in the memory 202, the code may be moved by the mobile payment system A. The processor 201 in the payment server A1 is called and executed.

Step 305: The mobile payment system B processes the second transfer request message and saves the transfer data.

The mobile payment server B1 in the mobile payment system B receives the second transfer request message sent by the mobile payment system A, obtains the corresponding account according to the identification information of the user 2, and then updates the user according to the transfer amount data in the second transfer request message. 2 account balance.

Step 306: The mobile payment system B sends a transfer result response message to the mobile payment system A according to the processing result.

The transfer result response message carries the transfer result, for example, the transfer is successful or the transfer fails. The mobile payment system A parses the receipt of the transfer result response message, and if it carries the notification message of the successful transfer, the user 1 performs the amount data deduction and notifies the user 1 that the transfer is successful. If the notification message of the transfer failure is carried, the user 1 is notified that the transfer failed.

It should be noted that, after receiving the routing response message sent by the payment interworking server, the mobile payment system A may perform the amount data reservation on the user 1 according to the account and the transfer amount data in the first transfer request message, that is, from the user 1 The transfer amount is deducted in advance in the account. Further, when the mobile payment system A subsequently receives the transfer result response message, if the response message carries the notification message of successful transfer, the user is directly notified that the transfer is successful, and the user 1 is not required to perform the amount data deduction. If the notification message of the transfer failure is carried, the user 1 is notified that the transfer fails, and the amount data reservation for the user 1 is cancelled.

In the mobile payment method provided by the embodiment of the present invention, after receiving the transfer request of the user 1, the mobile payment system A sends a route request message to the payment interworking server according to the identification information of the transfer party user 2 to obtain the transfer party user 2 The identity of the mobile payment system B is located, and then a transfer request is directly initiated to the mobile payment system B, thereby realizing the transfer to the transferee user 2. Compared with the prior art, the mobile payment method provided by the embodiment of the present invention does not need to process the transfer request by the payment interworking server when performing the transfer, and the processing procedure is simple, and the mobile payment efficiency is improved.

In the embodiment of the present invention, the mobile payment system A or the mobile payment system B may also be in the mobile payment system A or the mobile payment system after actively reporting the registration information of the user to the payment interworking server. After the change of the payment interface information of B, the new payment interface information is actively reported to the payment interworking server, so that the latest payment interface information of each mobile payment system is stored on the payment interworking server.

Referring to FIG. 5, FIG. 5 is a flowchart of a mobile payment method according to Embodiment 2 of the present invention.

Compared with the embodiment shown in FIG. 4, the execution process of step 301 is the same as the execution process of the corresponding step in the first embodiment. For details, refer to the first embodiment. The second embodiment of the present invention further includes: between step 301 and step 302:

Step 3011: The mobile payment service system A determines, according to the identification information of the transferee, whether the transfer party belongs to the mobile payment system A.

The purpose of step 3011 is to determine whether the transfer party input by the user is located in the same mobile payment system as the transfer party, that is, whether the transfer party is also the user of the mobile payment system A. If yes, go to step 3012. Otherwise, go to step 302 to perform the step of sending a route request message to the payment interworking server.

Step 3012: When the transfer party belongs to the mobile payment system A, perform transfer processing according to the first transfer request message, and save the transfer result.

If both the transferee user 2 and the transferee user 1 belong to the mobile payment system A, the mobile payment system performs an in-system transfer process, for example, according to the user ID of the transferee in the first transfer request message, the account of the transferee is queried. , according to the transfer amount for accounting processing, and save the transfer results. User 1 and User 2 are notified after the transfer is successful.

The execution body of the steps 3011, 3012 may be the mobile payment server A1. When the software code of the above step is specifically stored in the memory 202, the code may be executed by the processor 201 in the mobile payment server A1.

In this embodiment, the execution process of steps 302-306 is the same as the execution process of the corresponding step in the first embodiment. For details, refer to the first embodiment.

In the embodiment of the present invention, the payment interworking server may further count the number of the routing request messages sent by the mobile payment system A, or the number of the query of the mobile payment system corresponding to the transfer party according to the identification information of the transfer party. It is convenient for settlement between the subsequent and mobile payment system A.

Optionally, the mobile payment system A can establish a secure connection between the mobile payment system A and the payment interworking server before sending the routing request message to the payment interworking server, such as a payment interworking service. The device performs certificate authentication on the mobile payment system A, and the mobile payment system A also performs certificate authentication on the payment interworking server. After the certificate authentication is passed, a secure connection is established, and the established secure connection is used to send and receive the routing request message and the route response message. Correspondingly, before the transfer request message is sent between the mobile payment system A and the mobile payment system B, a secure connection can also be established, and the established secure connection is used to send and receive the transfer request.

Referring to FIG. 6, FIG. 6 is a flowchart of a mobile payment method according to Embodiment 3 of the present invention.

In the embodiment of the present invention, the mobile payment system where the transfer user 1 is located is a WeChat payment system, and the transfer user 2 registers a Paypal payment system and a UnionPay Unionpay payment system. The WeChat payment system, the Paypal payment system, and the UnionPay Unionpay payment system have reported the user's registration information, including the user's mobile phone number, the identity of the payment system, and the payment interface information of each payment system to the payment interworking server. Among them, the WeChat payment system includes a WeChat payment server, a WeChat application, and an Access Gateway, and User 1 uses a WeChat application. The access gateway is used for interworking with devices outside the system, for example, interworking with a payment interworking server.

As shown in the figure, the mobile payment method provided by the embodiment of the present invention includes the following steps:

401. The WeChat payment server obtains a transfer request sent by the user 1 through the WeChat application.

The transfer request sent by the user 1 through the WeChat application includes the mobile phone number 17712345678 of the transfer party user 2, the account number 17612345678 of the WeChat payment system of the user 1, and the transfer amount of 100 yuan. In this embodiment, the identifier of the transfer party and the identifier of the transfer party are mobile phone numbers.

In addition, the transfer request sent by the user 1 through the WeChat application may also carry security credentials, such as a payment password, fingerprint data, a security certificate, etc., and the WeChat payment server may authenticate the user 1 after obtaining the transfer request sent by the user 1. The authentication process includes verifying whether the security credential in the transfer request is consistent with the locally saved security credential. If the verification is passed, perform the following step 402. If the verification fails, the transfer request processing fails, and a failure notification is returned to the user 1.

402. The WeChat payment server sends a route request message to the payment interworking server.

The routing request message includes the mobile phone number 17712345678 of the user 2, and may also include the account number 17612345678 of the WeChat payment system of the user 1 and/or the transfer amount of 100 yuan. The route request message can be sent through a Transmission Control Protocol/Internet Protocol (TCP/IP).

403. The payment interworking server receives the routing request message, and queries the mobile payment system corresponding to the transfer party. Identification and payment interface information.

404. The payment interworking server returns a routing response message to the WeChat payment server.

In this embodiment, the user 2 registers a plurality of mobile payment systems. If the user 2 pre-sets the preferred payment system (Paypal payment system) and notifies the payment interworking server, the payment interworking server is based on the identification information of the transferee. 17712345678 querying a plurality of mobile payment systems corresponding to the transfer party, obtaining the identifier and payment interface information of the preferred Paypal payment system of the transfer party user 2 in the query result, and identifying the payment and payment interface of the Paypal payment system by using the route response message The information is returned to the WeChat payment server. The Paypal payment system identifier may be code P, and the payment interface information may be the IP address of the Paypal payment server plus the port number, for example, 10.61.70.255:95.

If the user 2 does not preset the preferred payment system, the payment interworking server queries the plurality of mobile payment systems corresponding to the transfer party according to the transferee's identification information 17712345678, and obtains each payment system identifier and payment interface in the query result. The information and the identification of the mobile payment system and the payment interface information of all the queried are returned to the WeChat payment server through the route response message. Optionally, the payment interworking server may further obtain the arrival time and/or the transfer rate of each payment system in the query result, and return the information to the WeChat payment server together with the identifier of the payment system and the payment interface information. The arrival time of each mobile payment system and the transfer rate may be pre-uploaded to the payment interworking server for storage.

405. The WeChat payment server receives the route response message, and generates a transfer request according to the route response message.

Specifically, the transfer request generated by the WeChat payment server carries the mobile phone number 17712345678 of the user 2, the transfer amount of 100 yuan, and may also carry the account number 17612345678 of the WeChat payment system of the user 1. In addition, the transfer request may also carry the remark information of the user 1, such as information for repaying the loan. In addition, the route response message further carries a message format of the transfer request that can be recognized by the mobile payment system of the transfer party, and the WeChat payment server needs to generate a transfer request that meets the requirement according to the message format, so that the mobile payment system of the subsequent transfer party can identify Received transfer request.

In addition, if the routing response message received by the WeChat payment server carries the identifiers, arrival times, and/or transfer rates of the plurality of mobile payment systems, the WeChat payment server may send or display the mobile payment systems to the outgoing party user 1. The identification, the respective arrival time, the transfer rate, and the like, and the user is selected to select the mobile payment system to be transferred according to the arrival time, the transfer rate, and the like. The WeChat payment server performs a transfer request based on the user's selection. In addition, the WeChat payment server may also automatically (eg, randomly select) a mobile branch when carrying the identifiers of the plurality of mobile payment systems in the routing response message. The system is paid and a transfer request corresponding to the selected mobile payment system is generated.

406. The WeChat payment server sends the generated transfer request to the Paypal payment server according to the payment interface information in the route response message.

Specifically, if the route response message carries only one mobile payment system corresponding to the transfer party user, the WeChat payment server directly sends a transfer request to the unique mobile payment system, for example, sends the generated transfer request to the Paypal payment system. In this embodiment, the receiving of the transfer request sent by the WeChat payment server is a Paypal payment server.

If the route response message carries the identifiers of the plurality of mobile payment systems, the WeChat payment server may send the generated transfer request to the mobile payment system selected by the user.

407. The Paypal payment server receives the transfer request sent by the WeChat payment server and processes the data, and saves the transfer data.

The Paypal payment server can check the identity of the transferee 17712345678, that is, check whether the user corresponding to the identifier is a user registered in the system, or whether the user's data meets the business rules of the transfer (for example, the user account has been If the verification is successful, the account data of User 2 is updated according to the transfer amount of 100 yuan. The transfer request processing is successful, and the user 2 is notified that the funds are accounted for. If the verification fails, the transfer request processing fails.

408. The Paypal payment server sends a transfer result response message to the WeChat payment server according to the processing result.

If the transfer request processing in step 407 is successful, the sent transfer result response message carries a notification message of successful transfer. If the transfer request processing fails, the transfer result response message carries a notification message of the transfer failure.

409. The WeChat payment server receives the transfer result response message and notifies the user 1.

The WeChat payment server notifies the user of the success or failure of the transfer according to the result of the transfer processing in the transfer result response message. If the result of the transfer processing is successful, the amount on the account of the user 1 is deducted, that is, 100 yuan is deducted, and the user 1 is notified through the WeChat application that the transfer is successful. If the transfer processing result is that the transfer fails, the amount on the user 1 account is not deducted, and the user 1 is notified through the WeChat application that the transfer failed.

In the mobile payment method provided by the embodiment of the present invention, when the user registers in multiple mobile payment systems, a mobile payment system can be selected as the preferred transfer account for receiving the transfer, and only need to expose the user. The phone number can receive the transfer. For the transfer user, it is only necessary to know the mobile phone number transferred to the user, and there is no need to care about which mobile payment system the mobile phone number is in.

In addition, the payment interworking server acts as a routing data storage point for interworking between multiple mobile payment systems, and does not provide processing for transfer transactions, and is simple to implement for the mobile payment system interworking platform. The transfer business process provided by this embodiment is simplified, and the single transfer transaction only needs to perform reconciliation between two mobile payment systems, which reduces the operation cost of the mobile payment system.

Referring to FIG. 7, FIG. 7 is a functional block diagram of a mobile payment server according to Embodiment 5 of the present invention.

As shown in the figure, the mobile payment server provided by the embodiment of the present invention is applied to a first mobile payment system, which mainly includes:

The transfer request obtaining unit 710 is configured to obtain a first transfer request message, where the first transfer request message carries the identification information of the transferee and the transfer amount data; and the step of acquiring the first transfer request message by the transfer request obtaining unit 710 See the description of step 301 in the above embodiment. The first mobile payment system is a mobile payment system A, and the second mobile payment system is a mobile payment system B.

The routing requesting unit 720 is configured to send a routing request message to the payment interworking server, where the routing request message carries the identification information of the forwarding party. The step of the routing requesting unit 720 sending the routing request message is described in the foregoing embodiment. Description of step 302.

The response receiving unit 730 is configured to receive a routing response message returned by the payment interworking server, where the routing response message carries the identification information of the second mobile payment system corresponding to the forwarding party;

The request sending unit 740 is configured to send, according to the identifier information of the second mobile payment system, a second transfer request message to the second mobile payment system, where the second transfer request message carries the identification information of the transfer party And the transfer amount data; wherein the step of the request sending unit 740 sending the second transfer request message to the second mobile payment system is described in the description of step 304 in the above embodiment.

The response receiving unit 730 is further configured to receive a transfer result response message returned by the second mobile payment system.

It should be noted that the foregoing transfer request obtaining unit 710, the routing request unit 720, the response receiving unit 730, and the request sending unit 740 perform respective corresponding actions, and may execute the memory 202 by the processor 201 in the mobile payment server provided in the third embodiment. The storage may be implemented by executing code. For the specific execution process, refer to the description of Embodiment 3 above.

Further, the route response message received by the mobile payment server provided by the embodiment of the present invention further carries the payment interface information of the second mobile payment system;

The sending, by the request sending unit 740, the second transfer request message to the second mobile payment system according to the identifier information of the second mobile payment system includes:

The request sending unit 740 sends a second transfer request message to the second mobile payment system according to the identification information of the second mobile payment system and the payment interface information.

Further, the request sending unit 740 of the mobile payment server provided by the embodiment of the present invention is further configured to send a registration message to the payment interworking server, where the registration message carries the identifier of the transfer party in the first mobile payment system. Information and an identification of the first mobile payment system.

Further, the first transfer request message further carries the identification information of the transferee, and the second transfer request message further carries the identification information of the transferee. The identification information of the above-mentioned transferee is the MSISDN or email address of the transferee, or other information that can identify the transferee.

The mobile payment server provided by the embodiment of the present invention can be used in the execution step of the mobile payment system side in the method corresponding to the foregoing FIG. 4-6. It should be noted that each unit in the mobile payment server may be implemented by software code, or may be implemented by hardware such as an application specific integrated circuit or a combination of hardware and software code.

Compared with the prior art, the mobile payment server provided by the embodiment of the present invention does not need to process the transfer request by the payment interworking server when performing the transfer, and the processing procedure is simple, and the mobile payment efficiency is improved.

Referring to FIG. 8, FIG. 8 is a functional block diagram of a payment interworking server according to an embodiment of the present invention.

As shown in the figure, the payment interworking server provided by the embodiment of the present invention includes:

The request receiving unit 810 is configured to receive a routing request message sent by the first mobile payment system, where the routing request message carries the identification information of the forwarding party;

The routing query unit 820 is configured to query the identifier of the second mobile payment system corresponding to the transfer party according to the identifier information of the transfer party, where the route query unit 820 queries the identifier of the second mobile payment system and the response sending unit. For details of the 830 sending a routing response message to the first mobile payment system, see step 303 in the above embodiment.

The response sending unit 830 is configured to send a routing response message to the first mobile payment system, where the routing response message carries the identification information of the second mobile payment system corresponding to the forwarding party.

Further, the route query unit 820 in the payment interworking server in the embodiment of the present invention queries the identifier of the second mobile payment system corresponding to the transfer party according to the identifier information of the transfer party, including:

The routing query unit 820 queries a plurality of mobile payment systems corresponding to the transfer party according to the identification information of the transferee, and obtains an identifier of the second mobile payment system that is preferred by the transferee in the query result.

It should be noted that the foregoing request receiving unit 810, the routing query unit 820, and the response sending unit The execution of the respective corresponding actions of the 830 can be implemented by the processor 201 in the payment interworking server provided in the third embodiment to execute the executable code stored in the memory 202. For the specific execution process, refer to the description of the third embodiment.

Further, the route query unit 820 in the payment interworking server provided by the embodiment of the present invention is further configured to query the payment interface information of the second mobile payment system corresponding to the transfer party according to the identifier information of the transfer party. The payment response message is further carried in the routing response message sent by the payment interworking server to the first mobile payment system, so that the first mobile payment system directly sends the transfer request to the second mobile payment system according to the payment interface information of the second mobile payment system. Make a transfer. Further, the identification information of the transferee is the MSISDN or email address of the transferee, or other information that can identify the transferee.

The mobile payment server provided by the embodiment of the present invention may be used in the execution step of the payment interworking server side in the method corresponding to the foregoing FIG. 4-6. It should be noted that each unit in the payment interworking server may be implemented by software code, or may be implemented by hardware such as an application specific integrated circuit or a combination of hardware and software code.

Compared with the prior art, the payment interworking server provided by the embodiment of the present invention only needs to query the second mobile payment system where the transfer party is located according to the route request message, and returns the queried information to the first mobile. The payment system is directly transferred by the first mobile payment system to the second mobile payment system, and the transfer process does not need to process the transfer request by the payment interworking server, the processing procedure is simple, and the mobile payment efficiency is improved.

Those of ordinary skill in the art will appreciate that various aspects of the present invention, or possible implementations of various aspects, may be embodied as a system, method, or computer program product. Thus, aspects of the invention, or possible implementations of various aspects, may be in the form of an entirely hardware embodiment, an entirely software embodiment (including firmware, resident software, etc.), or a combination of software and hardware aspects, They are collectively referred to herein as "circuits," "modules," or "systems." Furthermore, aspects of the invention, or possible implementations of various aspects, may take the form of a computer program product, which is a computer readable program code stored in a computer readable medium.

The computer readable medium can be a computer readable signal medium or a computer readable storage medium. The computer readable storage medium includes, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing, such as random access memory (RAM), read only memory (ROM), Erase programmable read-only memory (EPROM or flash memory), optical fiber, Portable read-only memory (CD-ROM).

The processor in the computer reads the computer readable program code stored in the computer readable medium such that the processor is capable of performing the various functional steps specified in each step of the flowchart, or a combination of steps; A device that functions as specified in each block, or combination of blocks.

The computer readable program code can execute entirely on the user's computer, partly on the user's computer, as a separate software package, partly on the user's computer and partly on the remote computer, or entirely on the remote computer or server. . It should also be noted that in some alternative implementations, the functions noted in the various steps in the flowcharts or in the blocks in the block diagrams may not occur in the order noted. For example, two steps, or two blocks, shown in succession may be executed substantially concurrently or the blocks may be executed in the reverse order.

The above is only a specific embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily think of changes or substitutions within the technical scope of the present invention. It should be covered by the scope of the present invention. Therefore, the scope of the invention should be determined by the scope of the claims.

Claims

A mobile payment method, applied to a first mobile payment system, comprising:

Obtaining a first transfer request message, where the first transfer request message carries the identification information of the transferee and the transfer amount data;

Sending a routing request message to the payment interworking server, where the routing request message carries the identification information of the transferring party;

Receiving a route response message returned by the payment interworking server, where the route response message carries the identification information of the second mobile payment system corresponding to the transfer party;

Transmitting, according to the identifier information of the second mobile payment system, the second transfer request message to the second mobile payment system, where the second transfer request message carries the identification information of the transfer party and the transfer amount data;

Receiving a transfer result response message returned by the second mobile payment system.
The method of claim 1, wherein the routing response message further carries payment interface information of the second mobile payment system;

The sending the second transfer request message to the second mobile payment system according to the identifier information of the second mobile payment system includes:

And transmitting, by the second mobile payment system, the second transfer request message according to the identification information of the second mobile payment system and the payment interface information.
The method according to claim 1 or 2, further comprising: between the obtaining the first transfer request message and the sending the route request message to the payment interworking server:

Determining, according to the identification information of the transferee, whether the transfer party belongs to the first mobile payment system;

When the transfer party does not belong to the first mobile payment system, the step of sending a route request message to the payment interworking server is performed.
The method of any of claims 1 to 3, further comprising:

Sending a registration message to the payment interworking server, where the registration message carries the identification information of the outgoing party in the first mobile payment system and the identification information of the first mobile payment system.
A method according to any one of claims 1 to 4, wherein

The first transfer request message further carries the identification information of the transferee, and the second transfer request message further carries the identification information of the transferee.
A method according to any one of claims 1 to 4, wherein

The identification information of the transferee is the MSISDN or email address of the transferee.
A mobile payment method, applied to a payment interworking server, comprising:

Receiving a routing request message sent by the first mobile payment system, where the routing request message carries the identification information of the transferring party;

Querying, according to the identifier information of the transferee, identifier information of the second mobile payment system corresponding to the transfer party;

Sending a routing response message to the first mobile payment system, where the routing response message carries the identification information of the second mobile payment system corresponding to the forwarding party.
The method according to claim 7, wherein the querying the identification information of the second mobile payment system corresponding to the transfer party according to the identification information of the transferee comprises:

Querying, according to the identification information of the transferee, a plurality of mobile payment systems corresponding to the transfer party;

Obtaining identification information of the second mobile payment system preferred by the transferee in the query result.
The method of any of claims 7-8, wherein the method further comprises:

Querying, according to the identification information of the transferee, the payment interface information of the second mobile payment system corresponding to the transfer party;

The routing response message sent to the first mobile payment system further carries the payment interface information.
The method of any of claims 7-9, wherein the method further comprises:

Receiving a registration message sent by the second mobile payment system, where the registration message carries the identification information of the transfer party and the identification information of the second mobile payment system.
A mobile payment server is applied to a first mobile payment system, and includes:

a transfer request obtaining unit, configured to acquire a first transfer request message, where the first transfer request message carries the identification information of the transferee and the transfer amount data;

a routing requesting unit, configured to send a routing request message to the payment interworking server, where the routing request message carries the identification information of the forwarding party;

a response receiving unit, configured to receive a routing response message returned by the payment interworking server, where the routing response message carries the identification information of the second mobile payment system corresponding to the forwarding party;

a request sending unit, configured to send, according to the identifier information of the second mobile payment system, a second transfer request message to the second mobile payment system, where the second transfer request message carries the identification information of the transfer party and Transfer amount data;

The response receiving unit is further configured to receive a transfer result response returned by the second mobile payment system Message.
The mobile payment server according to claim 11, wherein the routing response message further carries payment interface information of the second mobile payment system;

The sending, by the request sending unit, the second transfer request message to the second mobile payment system according to the identifier information of the second mobile payment system includes:

The request sending unit sends a second transfer request message to the second mobile payment system according to the identification information of the second mobile payment system and the payment interface information.
The mobile payment server according to claim 11 or 12, wherein the request sending unit is further configured to send a registration message to the payment interworking server, where the registration message carries the first mobile payment system Identification information of the outgoing party and identification information of the first mobile payment system.
A payment interworking server, comprising:

a request receiving unit, configured to receive a routing request message sent by the first mobile payment system, where the routing request message carries the identification information of the transferring party;

a route querying unit, configured to query, according to the identifier information of the transferee, identifier information of the second mobile payment system corresponding to the transfer party;

The response sending unit is configured to send a routing response message to the first mobile payment system, where the routing response message carries the identification information of the second mobile payment system corresponding to the forwarding party.
The server according to claim 14, wherein the routing query unit queries the identification information of the second mobile payment system corresponding to the transfer party according to the identification information of the transferee:

The route query unit queries the plurality of mobile payment systems corresponding to the transfer party according to the identification information of the transfer party, and obtains the identification information of the second mobile payment system that is preferred by the transfer party in the query result.
The server according to claim 14 or 15, wherein the route query unit is further configured to query, according to the identification information of the transferee, payment interface information of the second mobile payment system corresponding to the transfer party;

The routing response message sent to the first mobile payment system further carries the payment interface information.
A mobile payment server for use in a first mobile payment system, comprising: an input device, an output device, a memory and a processor, the memory storing executable code, when the processor executes the memory stored in the memory When the code is executable, the mobile payment server performs the following methods:

Obtaining a first transfer request message, where the first transfer request message carries the identification information of the transferee and the transfer amount data;

Sending a routing request message to the payment interworking server, where the routing request message carries the identification information of the transferring party;

Receiving a route response message returned by the payment interworking server, where the route response message carries the identification information of the second mobile payment system corresponding to the transfer party;

Transmitting, according to the identifier information of the second mobile payment system, the second transfer request message to the second mobile payment system, where the second transfer request message carries the identification information of the transfer party and the transfer amount data;

Receiving a transfer result response message returned by the second mobile payment system.
The mobile payment server according to claim 17, wherein the routing response message further carries payment interface information of the second mobile payment system;

The sending, by the mobile payment server, the second transfer request message to the second mobile payment system according to the identifier information of the second mobile payment system includes:

And transmitting, by the second mobile payment system, the second transfer request message according to the identification information of the second mobile payment system and the payment interface information.
A mobile payment server according to claim 17 or 18, wherein said memory further stores executable code, said mobile payment server further executing said executable code stored in said memory when said processor executes said executable code stored in said memory Do the following:

Sending a registration message to the payment interworking server, where the registration message carries the identification information of the outgoing party in the first mobile payment system and the identification information of the first mobile payment system.
A payment interworking server, comprising: an input device, an output device, a memory and a processor, the memory storing executable code, when the processor executes executable code stored in the memory, the payment The interworking server performs the following methods:

Receiving a routing request message sent by the first mobile payment system, where the routing request message carries the identification information of the transferring party;

Querying, according to the identifier information of the transferee, identifier information of the second mobile payment system corresponding to the transfer party;

Sending a routing response message to the first mobile payment system, where the routing response message carries the identification information of the second mobile payment system corresponding to the forwarding party.
A payment interworking server according to claim 20, wherein said memory is still stored The executable code is stored, and when the processor executes the executable code stored in the memory, the payment interworking server further performs the following method:

Querying, according to the identification information of the transferee, the payment interface information of the second mobile payment system corresponding to the transfer party;

The routing response message sent to the first mobile payment system further carries the payment interface information.