WO2017211106A1 - 数据处理方法、相关装置及系统 - Google Patents

数据处理方法、相关装置及系统 Download PDF

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Publication number
WO2017211106A1
WO2017211106A1 PCT/CN2017/077734 CN2017077734W WO2017211106A1 WO 2017211106 A1 WO2017211106 A1 WO 2017211106A1 CN 2017077734 W CN2017077734 W CN 2017077734W WO 2017211106 A1 WO2017211106 A1 WO 2017211106A1
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WO
WIPO (PCT)
Prior art keywords
payment
information
verification code
commodity
merchant
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PCT/CN2017/077734
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English (en)
French (fr)
Inventor
姜衡
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华为技术有限公司
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Publication of WO2017211106A1 publication Critical patent/WO2017211106A1/zh
Priority to US16/212,610 priority Critical patent/US11436573B2/en

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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
    • G06Q20/04—Payment circuits
    • G06Q20/045—Payment circuits using payment protocols involving tickets
    • G06Q20/0457—Payment circuits using payment protocols involving tickets the tickets being sent electronically
    • 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
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the present invention relates to the field of mobile communication technologies, and in particular, to a data processing method, related apparatus, and system.
  • 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.
  • the Paypal payment system provided by eBay
  • the Alipay payment system provided by Facebook
  • the M-pesa payment system provided by Vodafone.
  • the sales platform sends a service verification code (also referred to as an electronic ticket) to the mobile terminal by means of a short message, and the user sends the service verification code to the service provider (such as a station or a movie theater) according to the service verification code. Request a good or service.
  • the user can obtain a paper ticket or a movie ticket on the self-service terminal provided by the sales platform according to the service verification code, and enjoy the service according to the ticket or the movie ticket.
  • the user can also present the service verification code directly to the service provider, and the service provider verifies the service verification code to the sales platform, and provides services to the user according to the verification result.
  • service providers usually place goods or services on multiple different sales platforms to increase revenue, which will result in multiple sales platforms that need to provide self-service terminals at the service provider's location (such as Groupon buy self-service terminals, Amazon group purchase self-service terminals, etc.). Or the service provider needs to verify the service verification code to different sales platforms according to the service verification code provided by different sales platforms, which increases the transaction cost and the verification efficiency is low.
  • Embodiments of the present invention provide a method and apparatus for improving mobile payment efficiency.
  • an embodiment of the present invention provides a data processing method, which is applied to a payment server, and includes:
  • the payment server obtains the commodity information of the commodity to be paid, the merchant information, the payment vouchers and the payment amount data of the payer, and then performs payment according to the payment vouchers, merchant information and payment amount data of the payer; and generates a verification product after the payment is successful a service verification code, and establishing a correspondence between the service verification code and the merchant information and the commodity information; after the correspondence is established, sending a first notification message to the terminal corresponding to the payment party, where the first notification message carries the Service verification code.
  • the payment server since the payment server performs the payment according to the payment amount and the payment vouchers of the payer, the merchant information and the commodity information of the commodity to be paid have been acquired, and the service verification code and the merchant information are established after the payment is successful. Corresponding relationship between the product information, and thus after the payment server sends the service verification code to the terminal corresponding to the payer, the user can perform verification according to the service verification code to the payment system. Further, when a user who purchases goods on different sales platforms and pays through the same payment system requests goods or services from the merchant, the merchant only needs to be in the payment system. Verify the service verification code provided by the user, no need to verify to different sales platforms, improve the verification efficiency and reduce the transaction cost.
  • the payment server obtains the commodity information, the merchant information, and the payment amount data of the commodity to be paid by the following method:
  • the payment server Receiving, by the payment server, a first payment request sent by the terminal corresponding to the payer, the first payment request carrying the payment voucher and the merchant information of the payer, that is, the payment server acquires the merchant information and the payment voucher of the payer according to the first payment request .
  • the payment server receives the second payment request sent by the platform server, where the second payment request carries the commodity information, the merchant information and the payment amount data of the commodity to be paid, that is, the payment server acquires the commodity information and the merchant information according to the second payment request. And payment amount data.
  • the payment server only needs to obtain the above information according to the first payment request.
  • the second payment request received by the payment server further carries the merchant voucher, and the payment server further verifies whether the merchant voucher carried in the second payment request is consistent with the locally saved merchant voucher;
  • the step of performing payment according to the payment party's payment voucher, merchant information, and payment amount data is triggered. If they are inconsistent, stop the data processing.
  • the design can prevent illegal merchants from stealing payment information and enhance the security of data processing.
  • the payment server when the user goes to the merchant according to the verification code and the merchant information, the payment server also receives the verification request sent by the verification terminal of the merchant, where the verification request carries the merchant information and the service verification code input by the user. Then, the commodity information corresponding to the merchant information and the service verification code carried in the verification request in the previously saved correspondence is searched and returned to the verification terminal, so that the merchant provides the goods or services to the user according to the information returned by the payment server. If the payment server does not find the corresponding product information, the merchant does not provide the product or service to the user.
  • the payment server may also obtain the identifier of the terminal that receives the service verification code, and then send a second notification message to the terminal that receives the service verification code.
  • the second notification message carries the service verification code, the commodity information, and the merchant information, and the terminal other than the payer may also go to the merchant to consume according to the received service verification code, thereby improving the flexibility of consumption.
  • the payment server in order to further improve the security of data processing, after obtaining the identifier of the terminal receiving the service verification code, the payment server also establishes a correspondence between the generated service verification code and the identifier of the terminal receiving the service verification code. Relationship, and then in the subsequent consumption, verify the correspondence between the terminal and the service verification code, to avoid other people fraudulent use of the service verification code, and improve the security of mobile payment.
  • the first payment request sent by the platform server received by the payment server further carries an order number for identifying the transaction event, after which the payment server sends a third notification message to the platform server after the payment is successful.
  • the third notification message carries the order number, so that the platform server associates the product information, the merchant information, and the information of the payer user according to the order number, so as to facilitate subsequent data maintenance, such as query, billing, settlement, and the like.
  • an embodiment of the present invention provides a payment server having a function of implementing the data processing method of the first aspect, and the functions may be implemented by using a hardware module or by executing software by hardware.
  • the payment server includes: a first obtaining module, configured to obtain commodity information of the commodity to be paid, merchant information, payment vouchers and payment amount data of the payer; and a data processing module, configured to acquire according to the first Mode The payment voucher, the merchant information and the payment amount data of the payment party obtained by the block are paid; the association module is configured to generate a service verification code for verifying the commodity after the payment is successful, and establish a service verification code and the merchant information and the commodity Corresponding relationship between the information; and the first sending module, configured to send a first notification message to the terminal corresponding to the paying party, where the first notification message carries the service verification code.
  • the payment server further includes: a first receiving module, configured to receive an authentication request sent by the verification terminal, where the verification request carries the merchant information and a service verification code input by the user; and a searching module, configured to search for the association
  • the commodity information corresponding to the merchant information and the service verification code carried in the verification request is returned to the verification terminal in the correspondence established by the module, so that the merchant provides the goods or services to the user according to the information returned by the payment server. If the payment server does not find the corresponding product information, the merchant does not provide the product or service to the user.
  • the first obtaining module in the payment server is further configured to obtain the identifier of the terminal that receives the service verification code
  • the first sending module is further configured to send the second notification message to the terminal that receives the service verification code, where the second The notification message carries the service verification code, the commodity information, and the merchant information, and the terminal other than the payment party can also go to the merchant to consume according to the received service verification code, thereby improving the flexibility of consumption.
  • the first obtaining module of the payment server acquiring the commodity information, the merchant information and the payment amount data of the commodity to be paid may include: the first obtaining module receives the first payment request sent by the terminal corresponding to the paying party The first payment request carries the payment voucher and the merchant information of the payer, that is, the first obtaining module acquires the payment voucher and the merchant information of the payer according to the first payment request. The first obtaining module receives the second payment request sent by the platform server, where the second payment request carries the commodity information, the merchant information and the payment amount data of the commodity to be paid, that is, the first obtaining module acquires the commodity information and the merchant according to the second payment request. Information and payment amount data.
  • the first payment request received by the payment server further carries an order number for identifying a transaction event
  • the first sending module is further configured to send a third notification message to the platform server after the payment is successful
  • the third notification message carries the order number, so that the platform server knows that the order has been successfully paid, and is convenient for background recording.
  • the second notification message sent by the payment server may further carry the commodity information and the merchant information, so as to provide more information to the terminal that receives the service verification code.
  • the commodity information is a commodity name
  • the quantity of the commodity is a merchant name
  • the address information is the payment vouchers of the payer.
  • FIG. 1 is a schematic diagram of networking of a data processing system according to Embodiment 1 of the present invention.
  • FIG. 2 is a flowchart of a data processing method according to Embodiment 2 of the present invention.
  • Embodiment 3 is a flowchart of a data processing method according to Embodiment 3 of the present invention.
  • FIG. 4 is a schematic structural diagram of a payment server according to Embodiment 4 of the present invention.
  • FIG. 5 is a schematic structural diagram of a payment server according to Embodiment 5 of the present invention.
  • FIG. 1 is a schematic diagram of networking of a data processing system according to Embodiment 1 of the present invention.
  • the data processing system according to the present invention can be applied to a payment scenario provided in the background art.
  • the system mainly includes a payment server 10, platform servers 21, 22, a payment terminal 30, a verification terminal 50, and a merchant sales system 40. .
  • the platform servers 21, 22 and the payment terminal 30 are all registered to the same payment server 10.
  • the payment server 10 serves as a background device of the payment system, and is mainly used for processing payment related data submitted by the platform server 21, 22 or the payment terminal 30, and performs account processing.
  • Both the platform servers 21, 22 and the payment server 10 can be constructed using a general purpose server including components such as a processor, a memory, a hard disk, a bus, and the like.
  • the platform servers 21, 22 serve as background devices for the sales platform, and the provided web pages display the products for sale.
  • the user can access the web pages provided by the platform servers 21, 22 by operating the payment terminal 30 to view the products for sale.
  • the platform servers 21, 22 are all connected to the merchant sales system 40, and acquire information such as inventory of goods from the merchant sales system 40.
  • the merchant's merchandise can be sold separately on the two platform servers 21, 22.
  • the movie theater A also has a movie ticket product on the Groupon group purchase website, the Amazon website, and the platform server of the Groupon group purchase website and the Amazon website are connected to the ticket sales system of the movie theater.
  • the platform servers 21, 22 also notify the merchant sales system 40 that the item has been sold after the user has successfully paid for the item.
  • the payment terminal 30 may be a mobile terminal on which an application (Application, APP) is installed, and the user views the products sold on the platform servers 21, 22 by using the APP on the mobile terminal.
  • a shopping application corresponding to the platform servers 21, 22 may be installed on the mobile terminal, and may also be referred to as a shopping client, such as an amazon client.
  • a payment application corresponding to the payment server 10 (which may be referred to as a payment client, such as a Paypal client employing the technical solution of the present invention) is also installed on the mobile terminal.
  • the payment application and the shopping application may be deployed on a Subscriber Identification Module (SIM) card of the mobile terminal or an intelligent operating system (eg, Android, IOS system).
  • SIM Subscriber Identification Module
  • the payment terminal 30 can also be a general personal computer (PC).
  • the user can use the browser in the PC to log in to the webpage provided by the platform servers 21, 22 to view the products sold on the platform servers 21, 22.
  • the verification terminal 50 is connected to the payment server 10 for verifying the service verification code provided by the user.
  • the service verification code is used to verify whether the product requested by the user when the merchant consumes is consistent with the product purchased by the user on the platform server 21 or 22.
  • the verification terminal 50 can be a self-service terminal. After the verification is passed, the self-service terminal prints out a paper ticket or a movie ticket, and can also output the product.
  • the verification terminal 50 may also be a mobile terminal that provides an authentication function on which an application corresponding to the payment server 10 is installed, and the application provides a verification function.
  • a plurality of users access the shopping platform provided by the different platform servers 21, 22, and purchase the products provided by the same merchant, and the different users select the same payment system when paying.
  • the payment server saves the product information and the corresponding merchant information.
  • the merchant only needs to verify the product information purchased by the user in the payment system, and does not need to separately verify to different shopping platforms, thereby improving the verification efficiency and reducing the transaction cost.
  • FIG. 2 is a flowchart of a method for processing data using the data processing system provided in Embodiment 1, for example, according to Embodiment 2 of the present invention.
  • the user views the products sold on the platform server 21 through the mobile terminal 30, and after determining the items to be purchased, the user selects the payment system to perform the payment.
  • the payment server 10 shown in FIG. 1 starts the following steps:
  • Step 201 The payment server acquires the commodity information of the commodity to be paid, the merchant information, the payment vouchers of the payer, and the payment amount data.
  • the payment terminal used by the user may send a first payment request to the payment server corresponding to the payment system, where the first payment request carries product information (such as a movie ticket) of the product selected by the user, the merchant information, and the user's Payment voucher and payment amount data, etc.
  • product information such as a movie ticket
  • the product information may be a name, a quantity, and the like of the product
  • the merchant information may be a name, an address information, and the like of the merchant.
  • the payment vouchers of the payer may be the username or username and password registered by the payer in the payment server, and the payer may register in the payment system before requesting payment, and the registered username and password may be saved on the payment server.
  • the payment server receives two payment requests, which are from the PC and the platform server respectively.
  • the first payment request sent by the PC may carry the payment vouchers of the payer and the merchant information, and may also carry the commodity information and the payment amount data
  • the second payment request sent by the platform server carries the commodity information of the commodity to be paid, and the merchant Information and payment amount data, etc., the payment server performs the subsequent payment process in conjunction with the information in the first payment request and the second payment request.
  • the second payment request may further carry a voucher of the merchant in the payment system (referred to as a merchant voucher), and the payment server verifies whether the voucher is consistent with the locally saved merchant voucher, that is, whether the merchant is registered in the payment system. If they are consistent, the subsequent step 202 is performed. If they are inconsistent, it means that the merchant is not registered in the payment system, that is, the merchant is illegal and stops the data processing process. In this embodiment, the security of data processing can be further improved by verifying merchant credentials.
  • a merchant voucher a voucher of the merchant in the payment system
  • the platform server will request the payment server to return the voucher input page.
  • the platform server displays the voucher input page, and the payer user can input his own payment voucher (such as a username and password) on the page, and the PC sends the payment voucher to the payment server for processing through the first payment request.
  • Step 202 The payment server performs payment according to the payment vouchers, merchant information, and payment amount data of the payer.
  • the payment server may verify whether the payment voucher of the payer is consistent with the previously saved payment voucher, for example, verify that the username and password carried in the first payment request are consistent with the username and password previously saved by the payment server. If they are consistent, the verification is passed, otherwise the verification fails.
  • the payment server After verifying that the payment voucher is passed, the payment server performs payment according to the payment amount data, the payment voucher and the merchant information, for example, according to the payment amount, from the account corresponding to the user name to the account corresponding to the merchant information.
  • Step 203 The payment server generates a service verification code for verifying the commodity, and establishes a correspondence between the service verification code and the merchant information and the commodity information.
  • the payment server performs payment according to the payment amount data, for example, debits from the account corresponding to the user's payment voucher, and if the deduction is successful, generates a service verification code.
  • the service verification code can be a string of codes.
  • the service verification code user authenticates the item purchased by the user. More precisely, the service verification code is used to verify whether the product requested by the user at the subsequent merchant consumption is consistent with the product currently paid by the user.
  • the correspondence between the generated service verification code and the merchant information and the commodity information can be understood as associating the service verification code with the merchant information and the commodity information.
  • Step 204 The payment server sends a first notification message to the terminal corresponding to the paying party, where the first notification message carries the service verification code.
  • the payment server may send the first notification message to the terminal reserved by the payment user in the payment server (the terminal that receives the message by default), and may also send the mobile terminal that sends the first payment request to the terminal corresponding to the payment party.
  • the first notification message is sent.
  • the first notification message may be sent by means of a short message, and may also be sent by means of a payment APP push notification, where the first notification message carries the generated service verification code.
  • the user may request verification from the payment system of the merchant's location according to the service verification code, and obtain the goods or services provided by the merchant according to the verification result.
  • the payment server since the payment server performs the payment according to the payment amount and the payment vouchers of the payer, the merchant information and the commodity information of the commodity to be paid have been acquired, and the service verification code and the merchant information are established after the payment is successful. Corresponding relationship between the product information, and thus after the payment server sends the service verification code to the terminal corresponding to the payer, the user can perform verification according to the service verification code to the payment system. Further, when a user who purchases goods on different sales platforms and pays through the same payment system requests the goods or services from the merchant, the merchant only needs to verify the service verification code provided by the user in the same payment system, and does not need to Different sales platform verifications improve verification efficiency and reduce transaction costs.
  • the payment server generates the service verification code after the payment is successful and sends the service verification code to the terminal corresponding to the payment party.
  • the sales platform does not need to generate the service verification code, and does not need to send the service verification code to the terminal, thereby reducing the sales platform.
  • the service verification code provided by the payment system may be sent to the terminal other than the payment terminal.
  • the payment server can also perform the following steps:
  • Step 205 The payment server acquires an identifier of the terminal that receives the service verification code.
  • the user sends a first payment request carrying the identifier of the terminal that receives the service verification code to the payment server, and then the payment server acquires the terminal that receives the service verification code according to the first payment request.
  • the payment server may associate the identifier with the service verification code, and step 206 is performed.
  • the second payment request sent by the platform server may carry the identifier of the terminal that receives the service verification code, and the identifier is sent by the mobile terminal to the platform server when the user determines the commodity to be purchased, and the platform server sends the identifier to the platform server.
  • the identifier of the terminal may be a Mobile Station International Service Digital Network (MSISDN) number.
  • Step 206 The payment server sends a second notification message to the terminal that receives the service verification code, where the second notification message carries the service verification code, commodity information, and merchant information.
  • the payment server After the payment server sends the service verification code to the terminal, other users can request the corresponding goods or services from the merchant according to the service verification code. If the terminal receiving the service verification code and the terminal corresponding to the payer are the same, the first notification message and the second notification message are the same message.
  • the payment server will perform steps 207-208.
  • Step 207 The payment server receives the verification request, where the verification request carries the merchant information and the service verification code input by the user.
  • the payment server may receive the verification request sent by the verification terminal.
  • the verification request may carry the merchant information and the service verification code.
  • the verification request may further carry an identifier of the terminal that provides the service verification code, and the verification request may be triggered by the user inputting the service verification code, or may be triggered by the merchant according to the service verification code provided by the user and the identifier of the terminal.
  • Step 208 The payment server searches for and displays the commodity information corresponding to the merchant information and the service verification code carried in the verification request in the correspondence relationship.
  • the payment server determines that the verification is successful, and returns the product information to the server, if the merchant information and the service verification code carried in the verification request are in one-to-one correspondence with the merchant information and the service verification code in the corresponding relationship. Verify the terminal for merchant confirmation.
  • step 208 may specifically be: the payment server first verifies the Whether the identifier of the terminal carried in the request is consistent with the identifier obtained in step 205. If they are consistent, the subsequent verification is continued. If the identifier is inconsistent, the verification fails, indicating that another user illegally uses the service verification code.
  • the payment server verifies whether the merchant information, the service verification code, and the commodity information carried in the verification request are in one-to-one correspondence with the merchant information, the service verification code, and the commodity information in the previously established correspondence relationship. If the correspondence is one-to-one, the verification is successful, otherwise If the verification fails, for example, if one of the project merchant information does not correspond, the verification fails.
  • FIG. 3 is a flowchart of a data processing method according to Embodiment 3 of the present invention.
  • the user can purchase movie tickets through different shopping platforms.
  • the user purchases two movie tickets of the movie theater through the group purchase application group on the mobile terminal, and the fare is 50 yuan, and the user starts to submit the order.
  • the data processing method provided by the embodiment of the present invention includes the following process:
  • Step 301 The mobile terminal submits an order to a platform server of the group purchase application.
  • the user submits an order request to the platform server of the Groupon application, where the order request includes the product information, the merchant information, and the order amount selected by the user, for example, including the following information:
  • Step 302 The platform server returns an order confirmation message.
  • the platform server receives the order request submitted by the user, confirms the product information selected by the user (for example, confirms to the merchant sales system whether the movie ticket selected by the user can be purchased), and after confirming that the purchase can be purchased, generates an order, and the order includes an order number.
  • the platform server returns the order number to the mobile terminal.
  • the Groupon application on the mobile terminal also calls a payment application installed in the mobile terminal (for example, a Paypal application using the solution of the present invention), and the Groupon application sends the order number, the product information, the commodity information, and the payment amount data to the payment application, and the payment application.
  • a payment application installed in the mobile terminal (for example, a Paypal application using the solution of the present invention)
  • the Groupon application sends the order number, the product information, the commodity information, and the payment amount data to the payment application, and the payment application.
  • the payment interface is displayed to the user, and the payment interface may include an order number, product information, merchant information, payment amount data, and the like.
  • Step 303 The mobile terminal sends a first payment request to the payment server.
  • the user operates the payment interface of the payment application to perform payment, and the mobile terminal sends a first payment request to the background server (payment server) of the payment application, where the payment request includes an order number, product information, merchant information, payment amount data, and the user's Payment voucher.
  • the user terminal may input the payment voucher in the payment interface, or may automatically obtain the payment voucher by the Paypal application.
  • the payment voucher is a user name and password registered by the user in the payment system, and the user has previously logged in to the Paypal application, and the Paypal application automatically obtains the payment voucher.
  • the user wants to receive the service verification code of the verification product through the currently used mobile terminal, and the first payment request further carries the identifier of the mobile terminal, such as the MSISDN number 13621524568 or the international mobile device identifier of the terminal (International Mobile Equipment Identity, IMEI).
  • the identifier of the mobile terminal such as the MSISDN number 13621524568 or the international mobile device identifier of the terminal (International Mobile Equipment Identity, IMEI).
  • Step 304 The payment server acquires the commodity information, the merchant information, the payment vouchers of the user, and the payment amount data.
  • the payment server acquires the commodity information, the merchant information, the payment vouchers of the user, and the payment amount data by parsing the first payment request.
  • the payment server can also obtain the order number and the identity of the mobile terminal.
  • the user's payment credential is the user name and password of the user in the payment system.
  • Step 305 The payment server performs payment according to the user's payment voucher, merchant information, and payment amount data.
  • the payment server first verifies whether the username and password are consistent with the username and password saved by the payment server. If they are consistent, the payment amount data is transferred from the account corresponding to the username to the account corresponding to the merchant. If the transfer is successful, step 306 is performed. Otherwise, the user is prompted to pay the payment. It should be noted that the payment server may also transfer the account corresponding to the user name to the intermediate account according to the payment amount, and associate the transfer with the account of the merchant. After the user confirms the consumption to the merchant, the account is transferred from the intermediate account to the account of the associated merchant, thereby improving the security of the transaction.
  • the transfer fails, prompting the user to fail the payment.
  • Step 306 The payment server generates a service verification code for verifying the commodity, and establishes a correspondence between the service verification code and the merchant information, the commodity information, and the identifier of the terminal.
  • the payment server After the transfer is successful, the payment server generates a service verification code for verifying the movie ticket, for example, 65954123.
  • Step 307 The payment server sends a third notification message to the platform server, where the third notification message carries the order number.
  • the payment server sends a third notification message to the platform server of the Paypal payment, where the third notification message carries the order number of the order for the payment completion, so that the platform server knows that the order has been paid.
  • the platform server can associate the movie ticket and theater selected by the user according to the order number.
  • Step 308 The payment server sends a first notification message to the mobile terminal, where the first notification message carries the service verification code, product information, and merchant information.
  • the payment server may send the service verification code, the commodity information, and the merchant information to the mobile terminal by using a Paypal application push notification.
  • the Paypal app push notification message carries the service verification code 65954123, the product information movie ticket - Mars Rescue and the merchant information MGM International Studios.
  • the verification code can be displayed in the form of a two-dimensional code or a barcode.
  • the user carries the mobile terminal to the MGM cinema, and needs to verify the service to the verification terminal before watching the movie. Verification code.
  • the verification terminal is specifically a self-service terminal, and is deployed at a location where the movie theater is located, and specifically includes a display screen, a keyboard, and a barcode scanner.
  • the user uses the mobile terminal to present the verification code to the verification terminal, and simultaneously inputs the identifier of the terminal 13621524568.
  • the verification terminal sends a verification request to the payment server, and the verification request also carries the merchant information (the verification terminal automatically acquires), that is, the MGM movie theater.
  • Step 309 The payment server receives the verification request sent by the verification terminal, where the verification request carries the merchant information, the identifier of the terminal, and the service verification code input by the user.
  • the encrypted connection is used between the payment server and the verification terminal, and the verification request is encrypted and transmitted to the payment server, thereby enhancing transaction security.
  • Step 310 The payment server searches for the commodity information corresponding to the merchant information, the identifier of the terminal, and the service verification code carried in the verification request in the previously saved correspondence according to the verification request.
  • the payment server may first verify whether the format of the service verification code and the identifier of the terminal (for example, the number of digits) is correct, and if the format is correct, further search for the merchant information carried in the previously saved correspondence and the verification request, The identification of the terminal and the product information corresponding to the service verification code.
  • the format of the service verification code and the identifier of the terminal for example, the number of digits
  • Step 311 The payment server returns a verification response to the payment terminal, where the commodity information is carried.
  • a verification response is returned to the verification terminal, and the response carries the product information, such as movie ticket information.
  • the movie ticket is marked to have been consumed at the MGM movie theater, and the identifier of the terminal of the consumer user is 13621524568.
  • the verification terminal After the verification terminal receives the verification response, the verification terminal displays the verification failure message or the commodity information (the movie ticket information in this embodiment), which is convenient for the user to confirm.
  • the verification terminal can directly print out the movie ticket or prompt the user to enter, and the user can directly watch the movie by ticket or directly into the movie theater.
  • the data processing procedure provided by the embodiment of the present invention is described in detail by taking a user as an example. If there are multiple users purchasing movie tickets for the movie theater through the shopping platform provided by different platform servers, the payment server and the corresponding platform server re-execute the above method flow.
  • the payment server since a plurality of users purchase the goods, the same payment system is used for payment, and the payment server establishes a correspondence between the service verification code and the merchant information and the commodity information after the payment is successful. Therefore, when these users consume in the movie theater, they can go to the same payment system for verification according to the service verification code, and do not need to verify to different sales platforms, thereby improving the verification efficiency and reducing the transaction cost.
  • the sales platform since the user does not need to verify the product information to different sales platforms, the sales platform does not need to deploy the self-service terminal with the verification function in the merchant, which reduces the cost of the sales platform.
  • FIG. 4 is a schematic structural diagram of a payment server according to Embodiment 4 of the present invention.
  • the payment server may be the payment server 10 shown in FIG. 1.
  • the payment server device employs general purpose computer hardware including a processor 101, a memory 102, a bus 103, an input device 104, an output device 105, and a network interface 106.
  • memory 102 can include computer storage media in the form of volatile and/or nonvolatile memory, such as read only memory and/or random access memory.
  • the memory 102 can store an operating system, an application, and other programs Modules, executable code, and program data.
  • the input device 104 can be used to input commands and information to a payment server, such as a keyboard or pointing device such as a mouse, trackball, touch pad, microphone, joystick, game pad, round dish satellite TV antenna, scanner, or Similar equipment. These input devices can be connected to the processor 101 via a bus 103.
  • a payment server such as a keyboard or pointing device such as a mouse, trackball, touch pad, microphone, joystick, game pad, round dish satellite TV antenna, scanner, or Similar equipment.
  • the output device 105 can be used to pay for server output information.
  • the output device 105 can also be configured for other peripheral outputs, such as speakers and/or printing devices, which can also be connected to the processor 101 via the bus 103. .
  • the payment server can be connected to the network via a network interface 106, such as to a local area network (LAN).
  • a network interface 106 such as to a local area network (LAN).
  • LAN local area network
  • computer-executed instructions stored in a payment server can be stored in a remote storage device without being limited to local storage.
  • the payment server may perform the method steps on the payment server side in the second embodiment and the third embodiment, for example, performing steps 201-208.
  • the payment server may perform the method steps on the payment server side in the second embodiment and the third embodiment, for example, performing steps 201-208.
  • 304-307, 310-311, etc. have the same beneficial effects.
  • the specific implementation process refer to the foregoing Embodiment 2 and Embodiment 3, and details are not described herein again.
  • FIG. 5 is a schematic structural diagram of a payment server according to Embodiment 5 of the present invention.
  • the payment server provided by the embodiment of the present invention includes:
  • the first obtaining module 510 is configured to obtain the commodity information of the commodity to be paid, the merchant information, the payment vouchers of the payer, and the payment amount data. Specifically, the first obtaining module 510 can be used to perform step 201 in the foregoing embodiment. 205 and 304, for specific implementation process, refer to the description of the above method embodiment.
  • the data processing module 520 is configured to perform payment according to the payment voucher, the merchant information, and the payment amount data of the payer. Specifically, the data processing module 520 can be used to perform steps 202 and 305 in the foregoing embodiment. Description of the above method embodiments.
  • the association module 530 is configured to generate a service verification code for verifying the product, and establish a correspondence between the service verification code and the merchant information and the commodity information. Specifically, the association module 530 may be configured to perform the foregoing implementation. Steps 203 and 306 in the example, the specific execution process is described in the description of the foregoing method embodiment.
  • the first sending module 540 is configured to send a first notification message to the terminal corresponding to the paying party, where the first notification message carries the service verification code.
  • the first sending module 540 can be used to perform the steps 204, 206, 307, and 308 in the foregoing embodiment.
  • the steps 204, 206, 307, and 308 in the foregoing embodiment.
  • the payment server provided by the embodiment of the present invention can be used in the foregoing method embodiments 2 and 3, which is completed by the cooperation between the first obtaining module 510, the data processing module 520, the association module 530, and the first sending module 540.
  • Embodiment 2 The method steps on the side of the payment server in the third embodiment. Compared with the payment server in the prior art, the payment server provided by the embodiment has the same beneficial effects as the foregoing method embodiment when performing data processing.
  • the first acquiring module 510 in the payment server acquires the commodity information, the merchant information, and the payment amount data of the commodity to be paid, including:
  • the payment server described in FIG. 5 further includes:
  • the first receiving module 550 is configured to receive the verification request sent by the verification terminal, where the verification request carries the merchant information and the service verification code input by the user. Specifically, the first receiving module 550 can be used to perform the steps in the foregoing embodiment. 207 and 309, for specific implementation process, refer to the description of the above method embodiment.
  • the searching module 560 is configured to search for the commodity information corresponding to the merchant information and the service verification code carried in the verification request in the correspondence relationship, and return the product information to the verification terminal. Specifically, the searching module 560 can be used to perform steps 208 and 310-311 in the foregoing embodiment. For the specific implementation process, refer to the description of the foregoing method embodiment.
  • the first acquiring module 510 is further configured to acquire an identifier of the terminal that receives the service verification code.
  • the first sending module 540 is further configured to send a second notification message to the terminal that receives the service verification code, where the second notification message carries the service verification code, commodity information, and merchant information.
  • the second notification message further carries the commodity information and the merchant information, so that the terminal that receives the service verification code can go to the merchant to consume according to the commodity information, thereby improving the flexibility and convenience of consumption.
  • the first payment request further carries an order number for identifying a transaction event (ie, a transaction fact of the user purchasing the commodity), and the first sending module 540 is further configured to succeed in the payment. And sending a third notification message to the platform server, where the third notification message carries the order number, so that the platform server knows that the order has been successfully paid, and facilitates background recording.
  • a transaction event ie, a transaction fact of the user purchasing the commodity
  • the payment server is presented in the form of a functional unit.
  • a "unit” herein may refer to an application-specific integrated circuit (ASIC), circuitry, a processor and memory that executes one or more software or firmware programs, integrated logic circuitry, and/or other functions that provide the functionality described above. Device.
  • ASIC application-specific integrated circuit
  • the payment server may also take the form shown in FIG.
  • the functions implemented by the first obtaining module 510, the data processing module 520, the association module 530, the first sending module 540, the first receiving module 550, and the searching module 560 can be implemented by the processor 101 and the memory 102 in FIG.
  • the first acquisition module 510 obtaining the commodity information of the commodity to be paid, the merchant information, the payment vouchers of the payer, and the payment amount data may be implemented by the processor 101 executing the code stored in the memory 102.
  • the processor for implementing the above payment server of the present invention may be a central processing unit (CPU), a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or Other programmable logic devices, transistor logic devices, hardware components, or any combination thereof. It is possible to implement or carry out the various illustrative logical blocks, modules and circuits described in connection with the present disclosure.
  • the processor may also be a combination of computing functions, for example, including one or more microprocessor combinations, a combination of a DSP and a microprocessor, and the like.
  • aspects of the present invention, or possible implementations of various aspects may be embodied as a system, method, or computer program product.
  • 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.”
  • 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.

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Abstract

本发明提供了一种数据处理方法、装置和系统，在本发明提供的商品支付方法中，支付服务器在根据付款金额和付款方的支付凭证进行支付时，已经获取了待支付商品的商户信息和商品信息，并且在支付成功后建立服务验证码和所述商户信息、商品信息之间的对应关系，因而在支付服务器将服务验证码发送给付款方对应的终端后，用户可以根据该服务验证码去支付系统进行验证。进而，在不同销售平台上购买商品，且通过相同的支付系统进行支付的用户在向商户请求商品或服务时，商户只需要在支付系统验证用户提供的服务验证码即可，不需要向不同的销售平台验证，提高了验证效率，降低了交易成本。

Description

数据处理方法、相关装置及系统
本申请要求于2016年6月7日提交中国专利局、申请号为201610398883.5，发明名称为“数据处理方法、相关装置及系统”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及移动通信技术领域，具体而言涉及一种数据处理方法、相关装置及系统。
背景技术
移动支付也称为手机支付，其允许用户使用其移动终端对所消费的商品或服务进行账务支付。提供移动支付服务的平台或系统，我们称之为移动支付系统。例如eBay公司提供的Paypal支付系统，阿里巴巴公司提供的支付宝支付系统，沃达丰公司提供的M-pesa支付系统等。
随着移动支付的普及，越来越多的用户通过销售平台提供的网站(例如Groupon团购网站、亚马逊网站等)或自助终端来购买服务商(或商用提供商)提供的商品或服务，例如购买汽车票、电影票等。用户在通过移动终端进行支付且支付完成后，销售平台会通过短消息的方式向移动终端发送服务验证码(也可以称为电子票)，用户根据服务验证码向服务商(例如车站或电影院)请求商品或服务。
其中，用户可以根据服务验证码在销售平台提供的自助终端上获取纸质的车票或电影票，根据车票或电影票享受服务。此外，用户还可以直接向服务商出示服务验证码，由服务商向销售平台验证该服务验证码，根据验证结果对用户提供服务。
但是，服务商通常会在多个不同的销售平台上架商品或服务以增加收益，将导致多个销售平台均需要在服务商所在地提供自助终端(例如Groupon团购自助终端，亚马逊团购自助终端等)，或者导致服务商需要根据不同销售平台提供的服务验证码，向不同的销售平台验证该服务验证码，增加了交易成本，且验证效率较低。
发明内容
本发明实施例提供了一种提高移动支付效率的方法和装置。
在一方面，本发明实施例提供一种数据处理方法，应用于支付服务器，其包括：
支付服务器获取待支付的商品的商品信息、商户信息、付款方的支付凭证和付款金额数据，然后根据付款方的支付凭证、商户信息和付款金额数据进行支付；在支付成功后生成用于验证商品的服务验证码，并建立服务验证码和所述商户信息、商品信息之间的对应关系；在对应关系建立之后，向付款方对应的终端发送第一通知消息，第一通知消息中携带所述服务验证码。
在本发明实施例，由于支付服务器在根据付款金额和付款方的支付凭证进行支付时，已经获取了待支付商品的商户信息和商品信息，并且在支付成功后建立服务验证码和所述商户信息、商品信息之间的对应关系，因而在支付服务器将服务验证码发送给付款方对应的终端后，用户可以根据该服务验证码去支付系统进行验证。进而，在不同销售平台上购买商品，且通过相同的支付系统进行支付的用户在向商户请求商品或服务时，商户只需要在支付系统 验证用户提供的服务验证码即可，不需要向不同的销售平台验证，提高了验证效率，降低了交易成本。
在一个可能的设计中，支付服务器获取待支付的商品的商品信息、商户信息和付款金额数据可以通过如下方式：
支付服务器接收付款方对应的终端发送的第一支付请求，所述第一支付请求中携带付款方的支付凭证和商户信息，即支付服务器根据第一支付请求获取上述商户信息和付款方的支付凭证。
支付服务器接收平台服务器发送的第二支付请求，所述第二支付请求中携带待支付的商品的商品信息、商户信息和付款金额数据，即支付服务器根据第二支付请求获取上述商品信息、商户信息和付款金额数据。
此外，若第一支付请求中携带用户选择的商品的商品信息、商户信息、用户的支付凭证和付款金额数据，则支付服务器只需要根据第一支付请求即可获取上述信息。
在一个可能的设计中，支付服务器接收到的第二支付请求中还携带商户凭证，则支付服务器进一步验证第二支付请求中携带的商户凭证是否和本地保存的商户凭证一致；
若一致，则触发执行根据付款方的支付凭证、商户信息和付款金额数据进行支付的步骤。若不一致，则停止数据处理过程。
本设计通过验证商户的商户凭证，可以避免非法商户盗用支付信息，增强了数据处理的安全性。
在一个可能的设计中，当用户根据验证码、商户信息去商户消费时，支付服务器还会接收到商户的验证终端发送的验证请求，该验证请求中携带商户信息和用户输入的服务验证码，然后查找之前保存的对应关系中与该验证请求中携带的商户信息和服务验证码对应的商品信息并返回给验证终端，从而商户根据支付服务器返回的信息对用户提供商品或服务。若支付服务器未查找到对应的商品信息，则商户不对用户提供商品或服务。
在一个可能的设计中，若付款方用户还希望其他的终端接收服务验证码，则支付服务器还可以获取接收服务验证码的终端的标识，然后向接收服务验证码的终端发送第二通知消息，第二通知消息中携带所述服务验证码、商品信息和商户信息，进而该付款方以外的终端也可以根据接收到的服务验证码去商户消费，提高了消费的灵活性。
在一个可能的设计中，为了进一步提高数据处理的安全性，支付服务器在获取接收服务验证码的终端的标识后，还建立生成的服务验证码和接收服务验证码的终端的标识之间的对应关系，进而在后续消费时，验证终端与服务验证码之间的对应关系，避免其他人冒用服务验证码，提高移动支付的安全性。
在一个可能的设计中，支付服务器接收到的平台服务器发送的第一支付请求中还携带用于标识交易事件的订单号，此后支付服务器在支付成功后，向平台服务器发送第三通知消息，所述第三通知消息中携带所述订单号，从而平台服务器根据该订单号关联商品信息、商户信息以及付款方用户的信息，便于后续的数据维护，例如查询、出账、结算等。
另一方面，本发明实施例提供一种支付服务器，该支付服务器具有实现上述第一方面的数据处理方法的功能，这些功能可以通过硬件模块来实现，也可以通过硬件执行软件的方式来实现。
在一个可能的设计中，支付服务器包括：第一获取模块，用于获取待支付的商品的商品信息、商户信息、付款方的支付凭证和付款金额数据；数据处理模块，用于根据第一获取模 块获取的付款方的支付凭证、商户信息和付款金额数据进行支付；关联模块，用于在支付成功后生成用于验证所述商品的服务验证码，建立服务验证码和所述商户信息、商品信息之间的对应关系；以及第一发送模块，用于向付款方对应的终端发送第一通知消息，第一通知消息中携带服务验证码。
在一个可能的设计中，支付服务器还包括：第一接收模块，用于接收验证终端发送的验证请求，该验证请求中携带商户信息和用户输入的服务验证码；以及查找模块，用于查找关联模块建立的对应关系中与验证请求中携带的商户信息和服务验证码对应的商品信息并返回给验证终端，从而商户根据支付服务器返回的信息对用户提供商品或服务。若支付服务器未查找到对应的商品信息，则商户不对用户提供商品或服务。
在一个可能的设计中，支付服务器中的第一获取模块还用于获取接收服务验证码的终端的标识；第一发送模块还用于向接收服务验证码的终端发送第二通知消息，第二通知消息中携带所述服务验证码、商品信息和商户信息，进而该付款方以外的终端也可以根据接收到的服务验证码去商户消费，提高了消费的灵活性。
在一个可能的设计中，支付服务器的第一获取模块获取待支付的商品的商品信息、商户信息和付款金额数据可以包括：第一获取模块接收所述付款方对应的终端发送的第一支付请求，所述第一支付请求中携带付款方的支付凭证和商户信息，即第一获取模块根据第一支付请求获取付款方的支付凭证和商户信息。第一获取模块接收平台服务器发送的第二支付请求，第二支付请求中携带待支付的商品的商品信息、商户信息和付款金额数据，即第一获取模块根据第二支付请求获取商品信息、商户信息和付款金额数据。
在一个可能的设计中，支付服务器接收到的第一支付请求中还携带用于标识交易事件的订单号，第一发送模块还用于在支付成功后，向平台服务器发送第三通知消息，第三通知消息中携带订单号，从而使得平台服务器获知该订单已经支付成功，便于后台记录。
结合第一方面和第二方面提供的实施例中，支付服务器发送的第二通知消息中还可以携带商品信息和商户信息，从而向接收服务验证码的终端提供更多的信息。
结合第一方面和第二方面提供的实施例中，商品信息为商品名称，商品数量的信息，商户信息为商户名称，地址信息，付款方的支付凭证为付款方在支付系统中注册的用户名和密码。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例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。其中：
图1是本发明实施例一提供的数据处理系统的组网示意图；
图2是本发明实施例二提供的数据处理方法的流程图；
图3是本发明实施例三提供的数据处理方法的流程图；
图4是本发明实施例四提供的支付服务器的结构示意图；
图5是本发明实施例五提供的支付服务器的结构示意图。
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的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。
本发明提供一种数据处理方法、相关装置及系统，参见图1，图1是本发明实施例一提供的数据处理系统的组网示意图。
如图1所示，本发明涉及的数据处理系统可以应用在背景技术中提供的支付场景，该系统主要包括支付服务器10，平台服务器21、22，支付终端30、验证终端50以及商户销售系统40。
其中，平台服务器21、22和支付终端30均注册到相同的支付服务器10。支付服务器10作为支付系统的后台设备，其主要用于处理平台服务器21、22或支付终端30提交的支付相关数据，并进行账户处理。平台服务器21、22和支付服务器10均可以采用通用的服务器来构建，其包括处理器、内存、硬盘、总线等部件。
平台服务器21、22作为销售平台的后台设备，其提供的网页上展示了用于销售的商品，用户可以通过操作支付终端30访问平台服务器21,22提供的网页来查看这些销售的商品。此外，平台服务器21、22均连接到商户销售系统40，从商户销售系统40获取商品的库存等信息。商户的商品可以在两个平台服务器21、22上独立销售。例如，电影院A同时在Groupon团购网站、亚马逊网站上架电影票产品，Groupon团购网站、亚马逊网站各自的平台服务器均连接到该电影院的售票系统。平台服务器21、22还在用户对商品支付成功后，通知商户销售系统40该商品已经出售。
支付终端30可以为安装了应用程序(Application，APP)的移动终端，用户通过使用移动终端上的APP来查看平台服务器21、22上销售的商品。移动终端上可以安装与平台服务器21、22对应的购物应用程序，也可以称为购物客户端，例如amazon客户端。移动终端上也安装了与支付服务器10对应的支付应用程序(可以称为支付客户端，例如采用了本发明技术方案的Paypal客户端)。其中，支付应用程序、购物应用程序可以部署在移动终端的用户识别模块(Subscriber Identification Module，SIM)卡上或智能操作系统(例如Android、IOS系统)上。
支付终端30还可以为普通的个人电脑(Personal Computer，PC)，用户可以使用PC中的浏览器来登录平台服务器21、22提供的网页，来查看平台服务器21,22上销售的商品。
验证终端50连接到支付服务器10，用于验证用户提供的服务验证码。其中，服务验证码用于验证用户在商户消费时所请求的商品和用户在平台服务器21或22上购买的商品是否一致。验证终端50可以为自助终端，验证通过后，自助终端打印出纸质的车票或电影票，也可以输出商品。验证终端50还可以为提供了验证功能的移动终端，该移动终端上安装了与支付服务器10对应的应用程序，应用程序提供验证功能。
在本发明实施例提供的数据处理系统中，多个用户访问不同平台服务器21、22提供的购物平台，购买了同一商家提供的商品，这些不同的用户在支付时均选择了相同的支付系统进行支付，支付成功后，支付服务器保存了商品信息和对应的商户信息。这些用户后续在去该商户消费时，商户只需要在支付系统验证用户购买的商品信息即可，不需要分别向不同的购物平台验证，从而提高了验证效率，降低了交易成本。
为更详细的理解本发明实施例，下面给出详细的方法流程来阐述本发明。参见图2，图2是本发明实施例二使用例如实施例1中提供的数据处理系统来进行数据处理方法的流程图。
在本发明实施例中，用户通过移动终端30查看平台服务器21上销售的商品，在确定需要购买的商品后，用户选择支付系统进行支付。此时，图1所示的支付服务器10开始执行以下步骤：
步骤201、支付服务器获取待支付的商品的商品信息、商户信息、付款方的支付凭证和付款金额数据。
其中，用户(付款方)使用的付款终端可以向支付系统对应的支付服务器发送第一支付请求，该第一支付请求中携带用户选择的商品的商品信息(例如电影票)、商户信息、用户的支付凭证和付款金额数据等。
具体的，商品信息可以为商品的名称、数量等，商户信息可以为商户的名称、地址信息等。付款方的支付凭证可以为付款方在支付服务器中注册的用户名或用户名和密码，付款方可以在请求支付之前在支付系统进行注册，注册的用户名和密码可以保存在支付服务器上。
此外，若用户通过PC来访问平台服务器提供的网页，选择合适的商品并选择支付，则支付服务器会接收到两个支付请求，分别来自PC和平台服务器。PC发送的第一支付请求中可以携带付款方的支付凭证和所述商户信息，还可以携带商品信息和付款金额数据，平台服务器发送的第二支付请求中携带待支付的商品的商品信息、商户信息和付款金额数据等，支付服务器结合第一支付请求和第二支付请求中的信息来执行后续的支付过程。可选的，第二支付请求中还可以携带商户在支付系统中的凭证(简称商户凭证)，支付服务器验证该商户凭证是否和本地保存的商户凭证一致，即验证该商户是否在支付系统中注册，若一致，则执行后续的步骤202。若不一致，则表明该商户没有在支付系统中注册，即商户非法，停止执行数据处理过程。本实施例通过验证商户凭证，可以进一步提高数据处理的安全性。
具体的，若用户通过PC来访问平台服务器提供的网页，选择合适的商品并选择支付时，平台服务器将请求支付服务器返回凭证输入页面。平台服务器展示该凭证输入页面，付款方用户可以在该页面输入自己的支付凭证(例如用户名和密码)，并由PC将该支付凭证通过上述的第一支付请求发送给支付服务器进行处理。
步骤202、支付服务器根据所述付款方的支付凭证、商户信息和付款金额数据进行支付。
具体的，支付服务器可以验证付款方的支付凭证是否和之前保存的支付凭证一致，例如验证第一支付请求中携带的用户名和密码是否和支付服务器之前保存的用户名和密码一致。若一致，则认为验证通过，否则验证不通过。
在验证所述支付凭证通过后，支付服务器根据所述付款金额数据、支付凭证和商户信息进行支付，例如根据付款金额从用户名对应的账户转账给商户信息对应的账户。
步骤203、支付服务器生成用于验证所述商品的服务验证码，建立所述服务验证码和所述商户信息、商品信息之间的对应关系。
具体的，支付服务器根据付款金额数据进行支付，例如从用户的支付凭证对应的账户进行扣款，若扣款成功，则生成服务验证码。其中，服务验证码可以为一串代码。该服务验证码用户验证用户购买的商品。更准确的说，服务验证码用于验证用户在后续商户消费时所请求的商品和用户当前支付的商品是否一致。
若扣款失败，则本次支付过程失败，支付服务器向用户(付款终端)返回支付失败的响 应。
其中，建立生成的服务验证码和商户信息、商品信息之间的对应关系可以理解为将服务验证码和商户信息、商品信息进行关联。
步骤204、支付服务器向所述付款方对应的终端发送第一通知消息，所述第一通知消息中携带所述服务验证码。
具体的，支付服务器可以向付款方用户在支付服务器中预留的终端(默认接收消息的终端)发送第一通知消息，还可以向发送第一支付请求的移动终端(即付款方对应的终端，简称付款终端)发送该第一通知消息。其中，第一通知消息可以通过短消息的方式发送，还可以通过支付APP推送通知的方式发送，第一通知消息中携带生成的服务验证码。用户在获取该服务验证码后，可以根据该服务验证码向商户所在位置的支付系统请求验证，并根据验证结果获取商户提供的商品或服务。
在本发明实施例，由于支付服务器在根据付款金额和付款方的支付凭证进行支付时，已经获取了待支付商品的商户信息和商品信息，并且在支付成功后建立服务验证码和所述商户信息、商品信息之间的对应关系，因而在支付服务器将服务验证码发送给付款方对应的终端后，用户可以根据该服务验证码去支付系统进行验证。进而，在不同销售平台上购买商品，且通过相同的支付系统进行支付的用户在向商户请求商品或服务时，商户只需要在相同的支付系统验证用户提供的服务验证码即可，不需要向不同的销售平台验证，提高了验证效率，降低了交易成本。
此外，本实施例中由支付服务器在支付成功后生成服务验证码并向付款方对应的终端发送，销售平台不需要生成服务验证码，也不需要向该终端发送服务验证码，可以降低销售平台的成本，降低销售商的成本。
在本实施例中，若用户通过移动终端为其他人，例如朋友，购买电影票，则支付系统提供的服务验证码可以发送给该付款终端以外的终端。具体的，支付服务器还可以执行以下步骤：
步骤205、支付服务器获取接收服务验证码的终端的标识。
具体的，用户在确定需要购买的商品时，通过移动终端发送携带接收服务验证码的终端的标识的第一支付请求给支付服务器，进而支付服务器根据该第一支付请求获取接收服务验证码的终端的标识。支付服务器在获取该标识后，可以关联该标识与服务验证码，并执行步骤206。
此外，平台服务器发送的第二支付请求中可以携带接收服务验证码的终端的标识，该标识由用户在确定需要购买的商品时，通过移动终端发送给平台服务器，平台服务器再将该标识发送给支付服务器。其中，终端的标识可以为移动台国际业务数字网络(Mobile Station International Service Digital Network，MSISDN)号码。
步骤206、支付服务器向所述接收服务验证码的终端发送第二通知消息，所述第二通知消息中携带所述服务验证码、商品信息和商户信息。
支付服务器将服务验证码发送给该终端后，其他用户即可根据该服务验证码向商户请求对应的商品或服务。若接收服务验证码的终端和付款方对应的终端相同，则第一通知消息和第二通知消息为同一消息。
若用户根据该服务验证码向商户请求对应的商品或服务，则支付服务器将执行步骤207-208。
步骤207、支付服务器接收验证请求，所述验证请求中携带商户信息和用户输入的服务验证码。
具体的，支付服务器可以接收验证终端发送的验证请求。该验证请求中可以携带商户信息、服务验证码。此外，该验证请求中还可以携带提供服务验证码的终端的标识，该验证请求可以由用户输入服务验证码后触发，也可以由商户根据用户提供的服务验证码和终端的标识来触发。
步骤208、支付服务器查找所述对应关系中与所述验证请求中携带的商户信息和服务验证码对应的商品信息并展示。
其中，支付服务器在验证所述验证请求中携带的商户信息、服务验证码均和所述对应关系中的商户信息、服务验证码一一对应的情况下，确定验证成功，并返回商品信息给该验证终端，便于商户确认。
进一步的，若验证请求中除了携带商户信息和用户输入的服务验证码，还携带用户选择的商品的商品信息和提供服务验证码的终端的标识，则步骤208具体可以为：支付服务器首先验证该请求中携带的终端的标识与步骤205中获取的标识是否一致，若一致，则继续后面的验证，若不一致，则验证失败，表明有其他用户非法使用服务验证码。支付服务器验证该验证请求携带的商户信息、服务验证码和商品信息是否和之前建立的对应关系中的商户信息、服务验证码和商品信息是否一一对应，若一一对应，则验证成功，否则，验证失败，例如其中一个项目商户信息不对应，则验证失败。
参见图3，图3是本发明实施例三提供的数据处理方法的流程图。
在本实施例中，用户可以通过不同的购物平台购买电影票。在本实施了中，用户通过移动终端上的团购网站Groupon应用团购了电影院的电影票2张，票价50元，用户开始提交订单，则本发明实施例提供的数据处理方法包括如下流程：
步骤301、移动终端向团购应用的平台服务器提交订单。
具体的，用户在Groupon应用上选择了电影票之后，向Groupon应用的平台服务器提交订单请求，订单请求中包括用户选择的商品信息、商户信息和订单金额等，例如包括如下信息：
影院：米高梅国际影城
电影名称：火星救援
座位：7排，八号厅
场次：2016-3-28 22：00
票价：50.00元
步骤302、平台服务器返回订单确认信息。
平台服务器接收用户提交的订单请求，确认用户选择的商品信息(例如向商户销售系统确认用户选择的电影票是否可以购买)，在确认可以购买后，生成订单，该订单包括一订单号。平台服务器向移动终端返回订单号。
移动终端上的Groupon应用还调用移动终端中安装的支付应用(例如采用了本发明方案的Paypal应用)，Groupon应用将上述订单号、商品信息、商品信息、付款金额数据发送给支付应用，支付应用向用户展示支付界面，该支付界面上可以包括订单号、商品信息、商户信息、付款金额数据等。
步骤303、移动终端向支付服务器发送第一支付请求。
其中，用户操作支付应用的支付界面进行支付，移动终端向支付应用的后台服务器(支付服务器)发送第一支付请求，该支付请求中包括订单号、商品信息、商户信息、付款金额数据以及用户的支付凭证。其中，用户终端可以在支付界面中输入支付凭证，也可以由Paypal应用自动获取支付凭证。本实施例中，支付凭证为用户在支付系统注册的用户名和密码，用户预先已经登录了Paypal应用，Paypal应用自动获取支付凭证。
在本实施例中，用户希望通过当前使用的移动终端接收验证商品的服务验证码，则第一支付请求中还携带该移动终端的标识，例如MSISDN号码13621524568或终端的国际移动设备识别码(International Mobile Equipment Identity，IMEI)。
步骤304、支付服务器获取商品信息、商户信息、用户的支付凭证和付款金额数据。
其中，支付服务器通过解析第一支付请求获取上述商品信息、商户信息、用户的支付凭证和付款金额数据。此外，支付服务器还可以获取订单号以及移动终端的标识。
在本实施例中，用户的支付凭证为用户在支付系统中的用户名和密码。
步骤305、支付服务器根据用户的支付凭证、商户信息和付款金额数据进行支付。
具体的，支付服务器首先验证用户名和密码是否和支付服务器保存的用户名和密码一致，若一致，则根据付款金额数据从用户名对应的账户转账到商户对应的账户，若转账成功，则执行步骤306，否则提示用户支付失败。需要说明的是，支付服务器也可以根据付款金额从用户名对应的账户转账到中间账户，同时将该次转账和商户的账户相关联。当用户确认去商户消费后，再从中间账户转账到关联的商户的账户，从而提高交易的安全性。
若第一支付请求中的用户名和密码和支付系统保存的用户名和密码不一致，则转账失败，提示用户支付失败。
步骤306、支付服务器生成用于验证所述商品的服务验证码，建立所述服务验证码和所述商户信息、商品信息、终端的标识之间的对应关系。
具体的，支付服务器在转账成功后，生成用于验证上述电影票的服务验证码，例如65954123。
其中，支付服务器建立的对应关系如下表：
服务验证码 商品信息 商户信息 终端的标识
65954123 电影票-火星救援 米高梅国际影城 13621524568
步骤307、支付服务器向平台服务器发送第三通知消息，所述第三通知消息中携带所述订单号。
具体的，支付服务器在支付完成后，向Paypal支付的平台服务器发送第三通知消息，该第三通知消息中携带该支付完成的订单的订单号，以便于平台服务器获知该订单已经支付完成。平台服务器可以根据该订单号关联用户选择的电影票和影院。
步骤308、支付服务器向所述移动终端发送第一通知消息，所述第一通知消息中携带所述服务验证码、商品信息和商户信息。
具体的，支付服务器可以通过Paypal应用推送通知的方式来发送服务验证码、商品信息和商户信息给移动终端。Paypal应用推送的通知消息中携带服务验证码65954123、商品信息电影票-火星救援和商户信息米高梅国际影城。其中，验证码可以采用二维码或条码的形式展示。
用户携带移动终端来到米高梅电影院消费，在观看电影之前，需要向验证终端验证服务 验证码。
其中，验证终端具体为自助终端，其部署在电影院所在的位置，具体包括显示屏、键盘以及条码扫描器，用户使用移动终端向验证终端出示该验证码，同时输入终端的标识13621524568。验证终端在获取这些信息后，向支付服务器发送验证请求，该验证请求中还携带商户信息(验证终端自动获取)，即米高梅电影院。
步骤309、支付服务器接收验证终端发送的验证请求，验证请求中携带商户信息、终端的标识和用户输入的服务验证码。
其中，支付服务器和验证终端之间采用加密连接，验证请求经过加密后传输到支付服务器，从而增强交易安全。
步骤310、支付服务器根据验证请求查找之前保存的对应关系中与所述验证请求中携带的商户信息、终端的标识和服务验证码对应的商品信息。
具体的，支付服务器可以首先验证服务验证码和终端的标识的格式(例如位数)是否正确，若格式都正确，则进一步查找之前保存的对应关系中与所述验证请求中携带的商户信息、终端的标识和服务验证码对应的商品信息。
步骤311、支付服务器向支付终端返回验证响应，其中携带商品信息。
若查找到对应的商品信息，则返回验证响应给验证终端，该响应中携带商品信息，例如电影票信息。在本实施例中，支付服务器还可以查找到电影票之后，标注该电影票在米高梅电影院已经消费，消费用户的终端的标识为13621524568。
若未查找到对应的商品信息，则返回验证响应给验证终端，该响应中携带验证失败的信息。
此外，若步骤310中支付服务器验证服务验证码和终端的标识的格式不正确，则返回验证响应，其中携带验证失败的信息。
验证终端接收到验证响应后，展示其中携带的验证失败消息或商品信息(本实施例中为电影票信息)，便于用户确认。在本实施例中，验证终端可以直接打印出电影票或者提示用户准入，用户凭票或直接进入影厅观看电影。
以上以一个用户为例，详细描述了本发明实施例提供的数据处理流程。如果有多个用户通过不同的平台服务器提供的购物平台购买该电影院的电影票，则支付服务器和对应的平台服务器重新执行上面的方法流程。在本发明实施例中，由于多个用户在购买商品时，均采用了相同的支付系统进行支付，且支付服务器在支付成功后建立服务验证码和所述商户信息、商品信息之间的对应关系，因而这些用户在电影院消费时，都可以根据该服务验证码去相同的支付系统进行验证，不需要向不同的销售平台验证，提高了验证效率，降低了交易成本。
此外，本发明实施例中，由于用户不需要向不同的销售平台验证商品信息，则销售平台也不需要在商家部署具有验证功能的自助终端，降低了销售平台的成本。
参见图4，图4是本发明实施例四提供的支付服务器的结构示意图。
其中，所述支付服务器可以为图1所示的支付服务器10。支付服务器设备采用了通用的计算机硬件，其包括处理器101、存储器102、总线103、输入设备104、输出设备105以及网络接口106。
具体的，存储器102可以包括以易失性和/或非易失性存储器形式的计算机存储媒体，如只读存储器和/或随机存取存储器。存储器102可以存储操作系统、应用程序、其他程序 模块、可执行代码和程序数据。
输入设备104可以用于向支付服务器输入命令和信息，输入设备104如键盘或指向设备，如鼠标、轨迹球、触摸板、麦克风、操纵杆、游戏垫、圆盆式卫星电视天线、扫描仪或类似设备。这些输入设备可以通过总线103连接至处理器101。
输出设备105可以用于支付服务器输出信息，除了监视器之外，输出设备105还可以为其他外围输出设各，如扬声器和/或打印设备，这些输出设备也可以通过总线103连接到处理器101。
支付服务器可以通过网络接口106连接到网络中，例如连接到局域网(Local Area Network，LAN)。在联网环境下，支付服务器中存储的计算机执行指令可以存储在远程存储设备中，而不限于在本地存储。
当支付服务器中的处理器101执行存储器102中存储的可执行代码或应用程序时，支付服务器可以执行以上实施例二、实施例三中的支付服务器一侧的方法步骤，例如执行步骤201-208、304-307、310-311等，具有相同的有益效果。具体执行过程参见上述实施例二和实施例三，在此不再赘述。
参见图5，图5是本发明实施例五提供的支付服务器的结构示意图。
如图所示，本发明实施例提供的支付服务器包括：
第一获取模块510，用于获取待支付的商品的商品信息、商户信息、付款方的支付凭证和付款金额数据；具体的，第一获取模块510可以用于执行上述实施例中的步骤201、205和304，具体执行过程参见上述方法实施例的描述。
数据处理模块520，用于根据所述付款方的支付凭证、商户信息和付款金额数据进行支付；具体的，数据处理模块520可以用于执行上述实施例中的步骤202和305，具体执行过程参见上述方法实施例的描述。
关联模块530，用于生成用于验证所述商品的服务验证码，建立所述服务验证码和所述商户信息、商品信息之间的对应关系；具体的，关联模块530可以用于执行上述实施例中的步骤203和306，具体执行过程参见上述方法实施例的描述
第一发送模块540，用于向所述付款方对应的终端发送第一通知消息，所述第一通知消息中携带所述服务验证码。具体的，第一发送模块540可以用于执行上述实施例中的步骤204、206、307和308，具体执行过程参见上述方法实施例的描述。
本发明实施例提供的支付服务器可以使用在前述方法实施例二和三中，其通过上述的第一获取模块510、数据处理模块520、关联模块530以及第一发送模块540之间的配合来完成实施例二、实施例三中的支付服务器一侧的方法步骤。与现有技术中的支付服务器相比，本实施例提供的支付服务器在执行数据处理时，具有与前述方法实施例相同的有益效果。
具体的，支付服务器中的第一获取模块510获取待支付的商品的商品信息、商户信息和付款金额数据包括：
接收所述付款方对应的终端发送的第一支付请求，所述第一支付请求中携带所述付款方的支付凭证和所述商户信息；
接收平台服务器发送的第二支付请求，所述第二支付请求中携带待支付的商品的商品信息、商户信息和付款金额数据。
进一步的，图5所述的支付服务器还包括：
第一接收模块550，用于接收验证终端发送的验证请求，所述验证请求中携带商户信息和用户输入的服务验证码；具体的，第一接收模块550可以用于执行上述实施例中的步骤207和309，具体执行过程参见上述方法实施例的描述。
查找模块560，用于查找所述对应关系中与所述验证请求中携带的商户信息和服务验证码对应的商品信息并返回给所述验证终端。具体的，查找模块560可以用于执行上述实施例中的步骤208和310-311，具体执行过程参见上述方法实施例的描述。
在本实施例提供的支付服务器中，上述第一获取模块510，还用于获取接收服务验证码的终端的标识；
所述第一发送模块540还用于向所述接收服务验证码的终端发送第二通知消息，所述第二通知消息中携带所述服务验证码、商品信息和商户信息。此外，第二通知消息中还携带所述商品信息和商户信息，从而便于接收服务验证码的终端根据该商品信息去商户消费，提高消费的灵活性和便利性。
在本实施例提供的支付服务器中，所述第一支付请求中还携带用于标识交易事件(即用户购买商品的交易事实)的订单号，所述第一发送模块540还用于在支付成功后，向所述平台服务器发送第三通知消息，所述第三通知消息中携带所述订单号，从而使得平台服务器获知该订单已经支付成功，便于后台记录。
在本实施例中，支付服务器是以功能单元的形式来呈现。这里的“单元”可以指特定应用集成电路(application-specific integrated circuit，ASIC)，电路，执行一个或多个软件或固件程序的处理器和存储器，集成逻辑电路，和/或其他可以提供上述功能的器件。在一个简单的实施例中，本领域的技术人员可以想到支付服务器也可以采用图4所示的形式。第一获取模块510,数据处理模块520，关联模块530、第一发送模块540、第一接收模块550以及查找模块560所实现的功能都可以通过图4中的处理器101和存储器102来实现。例如，第一获取模块510获取待支付的商品的商品信息、商户信息、付款方的支付凭证和付款金额数据可以通过由处理器101来执行存储器102中存储的代码来实现。
其中，用于实现本发明上述支付服务器的处理器可以是中央处理器(CPU)，通用处理器、数字信号处理器(DSP)、专用集成电路(ASIC)，现场可编程门阵列(FPGA)或者其他可编程逻辑器件、晶体管逻辑器件，硬件部件或者其任意组合。其可以实现或执行结合本发明公开内容所描述的各种示例性的逻辑方框，模块和电路。所述处理器也可以是实现计算功能的组合，例如包含一个或多个微处理器组合，DSP和微处理器的组合等等。
本领域普通技术人员将会理解，本发明的各个方面、或各个方面的可能实现方式可以被具体实施为系统、方法或者计算机程序产品。因此，本发明的各方面、或各个方面的可能实现方式可以采用完全硬件实施例、完全软件实施例(包括固件、驻留软件等等)，或者组合软件和硬件方面的实施例的形式，在这里都统称为“电路”、“模块”或者“系统”。此外，本发明的各方面、或各个方面的可能实现方式可以采用计算机程序产品的形式，计算机程序产品是指存储在计算机可读介质中的计算机可读程序代码。
以上所述，仅为本发明的具体实施方式，但本发明的保护范围并不局限于此，任何熟悉本技术领域的技术人员在本发明揭露的技术范围内，可轻易想到变化或替换，都应涵盖在本发明的保护范围之内。因此，本发明的保护范围应所述以权利要求的保护范围为准。

Claims (14)

  1. 一种数据处理方法，应用于支付服务器，其特征在于，包括：
    支付服务器获取商品的商品信息、商户信息、付款方的支付凭证和付款金额数据；
    所述支付服务器根据所述付款方的支付凭证、商户信息和付款金额数据进行支付；
    所述支付服务器生成用于验证所述商品的服务验证码，建立所述服务验证码和所述商户信息、商品信息之间的对应关系；
    所述支付服务器向所述付款方对应的终端发送第一通知消息，所述第一通知消息中携带所述服务验证码。
  2. 根据权利要求1所述的方法，其特征在于，所述获取商品的商品信息、商户信息和付款金额数据包括：
    接收所述付款方对应的终端发送的第一支付请求，所述第一支付请求中携带所述付款方的支付凭证和所述商户信息；
    接收平台服务器发送的第二支付请求，所述第二支付请求中携带待支付的商品的商品信息、商户信息和付款金额数据。
  3. 根据权利要求2所述的方法，其特征在于，所述第二支付请求中还携带商户凭证，所述方法还包括：
    验证所述第二支付请求中携带的商户凭证是否和本地保存的商户凭证一致；
    若一致，则触发执行所述根据付款方的支付凭证、商户信息和付款金额数据进行支付的步骤。
  4. 根据权利要求1所述的方法，其特征在于，还包括：
    接收验证终端发送的验证请求，所述验证请求中携带商户信息和用户输入的服务验证码；
    查找所述对应关系中与所述验证请求中携带的商户信息和服务验证码对应的商品信息并返回给所述验证终端。
  5. 根据权利要求2所述的方法，其特征在于，所述方法还包括：
    获取接收服务验证码的终端的标识；
    向所述接收服务验证码的终端发送第二通知消息，所述第二通知消息中携带所述服务验证码、商品信息和商户信息。
  6. 根据权利要求5所述的方法，其特征在于，所述方法还包括：
    建立所述生成的服务验证码和所述接收服务验证码的终端的标识之间的对应关系。
  7. 根据权利要求5所述的方法，其特征在于，所述第二通知消息中还携带所述商品信息和商户信息。
  8. 根据权利要求2到6任一项所述的方法，其特征在于，所述第一支付请求中还携带用于标识交易事件的订单号，所述方法还包括：
    在支付成功后，向所述平台服务器发送第三通知消息，所述第三通知消息中携带所述订单号。
  9. 一种支付服务器，其特征在于，包括：
    第一获取模块，用于获取商品的商品信息、商户信息、付款方的支付凭证和付款金额数据；
    数据处理模块，用于根据所述付款方的支付凭证、商户信息和付款金额数据进行支付；
    关联模块，用于在支付成功后生成用于验证所述商品的服务验证码，建立所述服务验证码和所述商户信息、商品信息之间的对应关系；
    第一发送模块，用于向所述付款方对应的终端发送第一通知消息，所述第一通知消息中携带所述服务验证码。
  10. 根据权利要求9所述的支付服务器，其特征在于，还包括：
    第一接收模块，用于接收验证终端发送的验证请求，所述验证请求中携带商户信息和用户输入的服务验证码；
    查找模块，用于查找所述对应关系中与所述验证请求中携带的商户信息和服务验证码对应的商品信息并返回给所述验证终端。
  11. 根据权利要求9所述的支付服务器，其特征在于，
    所述第一获取模块还用于获取接收服务验证码的终端的标识；
    所述第一发送模块还用于向所述接收服务验证码的终端发送第二通知消息，所述第二通知消息中携带所述服务验证码、商品信息和商户信息。
  12. 根据权利要求9所述的支付服务器，其特征在于，所述第二通知消息中还携带所述商品信息和商户信息。
  13. 根据权利要求12所述的支付服务器，其特征在于，所述第一获取模块获取商品的商品信息、商户信息和付款金额数据包括：
    接收所述付款方对应的终端发送的第一支付请求，所述第一支付请求中携带所述付款方的支付凭证和所述商户信息；
    接收平台服务器发送的第二支付请求，所述第二支付请求中携带待支付的商品的商品信息、商户信息和付款金额数据。
  14. 根据权利要求9到12任一项所述的支付服务器，其特征在于，所述第一支付请求中还携带用于标识交易事件的订单号，所述第一发送模块还用于：
    在支付成功后，向所述平台服务器发送第三通知消息，所述第三通知消息中携带所述订单号。
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