WO2018068450A1 - 一种网上支付方法、域名系统及网上支付装置 - Google Patents

一种网上支付方法、域名系统及网上支付装置 Download PDF

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Publication number
WO2018068450A1
WO2018068450A1 PCT/CN2017/073467 CN2017073467W WO2018068450A1 WO 2018068450 A1 WO2018068450 A1 WO 2018068450A1 CN 2017073467 W CN2017073467 W CN 2017073467W WO 2018068450 A1 WO2018068450 A1 WO 2018068450A1
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Prior art keywords
resource identifier
target
domain name
bank account
account information
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PCT/CN2017/073467
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English (en)
French (fr)
Inventor
李晓东
尉迟学彪
延志伟
耿光刚
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中国互联网络信息中心
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Publication of WO2018068450A1 publication Critical patent/WO2018068450A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L61/00—Network arrangements, protocols or services for addressing or naming
    • H04L61/45—Network directories; Name-to-address mapping
    • H04L61/4505—Network directories; Name-to-address mapping using standardised directories; using standardised directory access protocols
    • H04L61/4511—Network directories; Name-to-address mapping using standardised directories; using standardised directory access protocols using domain name system [DNS]

Definitions

  • the present invention relates to the field of online payment technologies, and in particular, to an online payment method, a domain name system, and an online payment device.
  • users When using a third-party online payment service platform, users usually only need to bind their own bank account information with their own email address or mobile phone number, and then can directly make online payment through the email address or mobile phone number.
  • the present invention provides an online payment method, a domain name system, and an online payment device, which are used to solve the problem of cumbersome and repeated bank account information binding when using a third-party online payment service platform in the prior art, and are safe.
  • the technical problems of the hidden dangers are as follows:
  • An online payment method is applied to a domain name system, and the method includes:
  • Target bank account information associated with the target user resource identifier based on the target user resource identifier and association relationship information of the user resource identifier and the bank account information generated in the domain name system in advance;
  • the information about the relationship between the user resource identifier and the bank account information includes multiple resource records, and each resource record is used to record a user resource identifier and associated bank account information.
  • the target bank account information associated with the target user resource identifier including:
  • Target resource record Searching for the target resource record in the plurality of resource records based on the target user resource identifier, where the target resource record includes the target resource identifier;
  • the bank account information associated with the target resource identifier is determined as the target bank account information.
  • the domain name system includes a local recursive server and a multi-level domain name server;
  • the searching for the target resource record in the multiple resource records based on the target user resource identifier includes:
  • the domain name server Determining, by the local recursive server, the domain name server storing the association relationship information between the user resource identifier and the bank account information in the multi-level domain name server by using a recursive query manner based on the target user resource identifier;
  • a domain name system is configured to pre-generate association relationship information between a user resource identifier and a bank account information, and, when receiving a query request including a target user resource identifier sent by a host, based on the target user resource identifier And the relationship information between the user resource identifier and the bank account information, determining target bank account information associated with the target user resource identifier, and sending the target bank account information to the host for online payment.
  • the information about the relationship between the user resource identifier and the bank account information includes multiple resource records, and each resource record is used to record a user resource identifier and associated bank account information.
  • the domain name system is specifically configured to: in the plurality of resource records, search for the target resource identifier target resource record based on the target user resource identifier, and record the target resource identifier and the target resource identifier.
  • the associated bank account information is determined as the target bank account information.
  • the domain name system includes: a local recursive server and a multi-level domain name server, the recursion The server can interact with each domain name server in the multi-level domain name server;
  • the local recursive server is configured to receive a query request that includes a target user resource identifier sent by the host, and determine, in the multi-level domain name server, the storage of the user resource identifier by using a recursive query manner based on the target user resource identifier.
  • the domain name server of the association information with the bank account information obtains the target bank account information associated with the target user resource identifier from the domain name server storing the association relationship information of the user resource identifier and the bank account information.
  • the multi-level domain name server includes: a root domain name server, a top-level domain name server, and an authoritative domain name server;
  • the local recursive server is configured to send, to the root domain name server, a query request that includes the target user resource identifier;
  • the root domain name server is configured to return an address of the top-level domain name server to the local recursive server
  • the local recursive server is further configured to send, by using an address of the top-level domain name server, a query request that includes the target user resource identifier to the top-level domain name server;
  • the top-level domain name server configured to return an address of the authoritative domain name server to the local recursive server
  • the local recursive server is configured to send, by using the address of the rights name server, a query request including the target user resource identifier to the rights name server;
  • the rights name server is configured to determine target bank account information associated with the target resource identifier based on the target resource identifier and the relationship information between the user resource identifier and the bank account information, and the target bank account information Sent to the local recursive server.
  • the domain name system verifies the association relationship between the user resource identifier and the bank account information based on the DNSSEC protocol.
  • An online payment device is applied to a domain name system, and the device includes: a receiving module, a determining module, and a sending module;
  • the receiving module is configured to receive a query request sent by the host, where the query request includes a target user resource identifier;
  • the determining module is configured to determine, according to the target user resource identifier and the association relationship information between the user resource identifier and the bank account information generated in the domain name system in advance, the target user resource The target bank account information associated with the source identifier;
  • the sending module is configured to send the target bank account information to the host for online payment.
  • the information about the relationship between the user resource identifier and the bank account information includes multiple resource records, and each resource record is used to record a user resource identifier and associated bank account information.
  • the determining module includes: a searching submodule and a determining submodule;
  • the locating sub-module is configured to search for a target resource record in the multiple resource records based on the target user resource identifier, where the target resource record includes the target resource identifier;
  • the determining submodule is configured to determine, in the target resource record, bank account information associated with the target resource identifier as the target bank account information.
  • the online payment method, the domain name system and the online payment device provided by the invention can generate the association relationship between the user resource identifier and the bank account information in the domain name system when the user resource identifier is bound to the bank account information, and when received,
  • the target bank account associated with the target user resource identifier to be queried may be determined based on the association relationship information between the user resource identifier and the bank account information generated in the domain name system.
  • the information feeds back the target bank account information to the host, so that the host can make online payment.
  • the online payment method provided by the present invention is implemented based on the domain name system, so that the online payment behavior of the user does not need to use other third-party payment platforms, so it is a universal online payment service, avoiding cumbersome and repeated bank account binding.
  • the process improves the user experience, and at the same time, avoids the risk of property security loss caused by the use of the third-party payment platform.
  • the online payment method provided by the present invention is implemented based on the domain name system, there is no need to introduce other payment platforms. Therefore, the deployment cost is low and easy to use.
  • FIG. 1 is a schematic flowchart of an online payment method according to an embodiment of the present invention.
  • FIG. 2 is another schematic flowchart of an online payment method according to an embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of a specific example of a domain name system according to an embodiment of the present disclosure
  • FIG. 4 is a schematic structural diagram of an online payment device according to an embodiment of the present invention.
  • An embodiment of the present invention provides an online payment method, which is applied to a domain name system, and generates association information between a user resource identifier and a bank account information in a domain name system in advance.
  • the online payment method is illustrated.
  • a schematic diagram of the process which can include:
  • Step S101 Receive a query request sent by the host.
  • the query request includes the target user resource identifier.
  • Step S102 Determine target bank account information associated with the target user resource identifier based on the target user resource identifier and the association relationship information between the user resource identifier and the bank account information generated in the domain name system in advance.
  • Step S103 Send the target bank account information to the host for online payment.
  • the online payment method provided by the embodiment of the present invention can generate the association relationship between the user resource identifier and the bank account information in the domain name system when the user resource identifier is bound to the bank account information, and receive the query query sent by the host.
  • the target bank account information associated with the target user resource identifier to be queried may be determined based on the association relationship information of the user resource identifier and the bank account information generated in the domain name system in advance, and then the target is The bank account information is fed back to the host, so that the host can make online payment.
  • the online payment method provided by the embodiment of the present invention is implemented based on the domain name system, so that the online payment behavior of the user does not need to use other third-party payment platforms, so it is a universal online payment service, avoiding cumbersome and redundant banks.
  • the account binding process improves the user experience and avoids the risk of property security loss caused by the use of the third-party payment platform.
  • the online payment method provided by the embodiment of the present invention is implemented based on the domain name system, no other introduction is required. The payment platform is therefore low cost and easy to use.
  • FIG. 2 another flow diagram of an online payment method according to an embodiment of the present invention is shown.
  • the method is applied to a domain name system, and a user resource identifier and a bank account are generated in advance in the domain name system.
  • the association information of the information specifically, the relationship information between the user resource identifier and the bank account information includes multiple resource records, each resource record is used to record a user resource identifier and associated bank account information, and the online payment method may include :
  • Step S201 Receive a query request sent by the host.
  • the query request includes the target user resource identifier, and the target user resource identifier may be, but is not limited to, the target user's email address, personal domain name, and the like.
  • Step S202 Search for a target resource record including the target resource identifier in the plurality of resource records based on the target user resource identifier.
  • the domain name system may include a local recursive server and a multi-level domain name server.
  • the domain name system determines the storage user resource identifier and the bank account number in the multi-level domain name server by using the recursive query mode based on the target user resource identifier by the local recursive server.
  • the authoritative domain name server of the relationship information of the information searches for the target resource record including the target user resource identifier in the authoritative domain name server that stores the relationship information between the user resource identifier and the bank account information.
  • Step S203 In the target resource record, the bank account information associated with the target resource identifier is determined as the target bank account information.
  • Step S204 Send the target bank account information to the host for online payment.
  • user B has an email address of userb@paya.cn, and binds the email address userb@paya.cn with the bank account information of user B, and the authoritative domain name server corresponding to userb@paya.cn in the domain name system.
  • Userb.paya.cn represents the email address of user B
  • "XXX XXXXXXXXXXXXXXX” contains the account information of user B, which is equivalent to the association between the email address of user B and the bank account of user B generated in the authoritative domain name server. information.
  • the host wants to obtain the account information of user B for online payment, then the host sends a query request containing the email address of user B to the domain name system.
  • the domain name system receives the query request, it may be based on the email address of user B. Find the target resource record in the resource record:
  • the bank account information "XXX XXXXXXXXXXXXXXX" associated with userb.paya.cn can be obtained from the target resource record, and then the bank account information "XXX XXXXXXXXXXX" associated with the email address of user B is sent.
  • the host obtains the account information of the user B, and then can perform the online payment behavior based on the account information of the user B.
  • the online payment mentioned in this embodiment is a type of operation for using the account amount payment on the network, and may include online shopping consumption, online payment, online transfer, online donation, and the like.
  • the resource record can be verified by the domain name system's own signature verification mechanism, so that the user's online payment process does not need to use other third-party payment platforms, but only needs to be completed by querying the domain name system. .
  • the domain name system verifies the resource record based on the DNSSEC protocol, so as to ensure the correctness and integrity of the relationship information between the user resource identifier and the bank account information queried by the domain name system.
  • the online payment method provided by the embodiment of the present invention when binding the user resource identifier and the bank account information, may generate a resource record in the domain name system that records the relationship between the resource identifier and the bank account information, and receives the treatment sent by the host.
  • the target bank account information associated with the target user resource identifier to be queried may be determined based on the resource record of the resource identifier and the bank account information association relationship, and then the target bank account information is fed back to the host So that the host can make online payments.
  • the basis of the online payment method provided by the embodiment of the present invention is Implemented in the domain name system, so that the user's online payment behavior does not need to rely on other third-party payment platforms, so it is a universal online payment service, avoiding the tedious and repeated bank account binding process, improving the user experience, and avoiding The risk of property security loss may be caused by the use of the third-party payment platform.
  • the online payment method provided by the embodiment of the present invention is implemented based on the domain name system, there is no need to introduce other payment platforms, so the deployment cost is low and easy to use.
  • the embodiment of the present invention further provides a domain name system, which is used to pre-generate the association relationship information between the user resource identifier and the bank account information, and when receiving the query request including the target user resource identifier sent by the host,
  • the relationship information between the target user resource identifier, the user resource identifier, and the bank account information determines the target bank account information associated with the target user resource identifier, and sends the target bank account information to the host for online payment.
  • the association information between the user resource identifier and the bank account information includes multiple resource records, and each resource record is used to record a user resource identifier and associated bank account information.
  • the domain name system is specifically configured to search for a target resource record including the target resource identifier in the plurality of resource records based on the target user resource identifier, and determine, in the target resource record, the bank account information associated with the target resource identifier as the target bank account information. .
  • the domain name system may include: a local recursive server and a multi-level domain name server.
  • the local recursive server may interact with each domain name server in the multi-level domain name server to receive a query request sent by the host, including the target user resource identifier, and use the recursive query mode to step through the multi-level domain name server based on the target user resource identifier.
  • the domain name server that determines the association relationship between the user resource identifier and the bank account information is obtained, and the target bank account information associated with the target user resource identifier is obtained from the domain name server that stores the association relationship information between the user resource identifier and the bank account information.
  • the domain name system may include: a local recursive server 300, a root domain name server 301, a top-level domain name server 302, and an authoritative domain name server 303.
  • the local recursive server 300 receives the query request sent by the host and includes the target user resource identifier, and then sends a query request including the target user resource identifier to the root domain name server 301.
  • the root domain name server 301 returns the address of the top-level domain name server to the local recursive server 300.
  • the local recursive server 300 after obtaining the address returned by the root domain name server 301, can know the next One step should be queried to that domain name server, and then a query request including the target user resource identifier is sent to the corresponding top-level domain name server 302 based on the address of the top-level domain name server.
  • the top-level domain name server 302 returns the address of the authoritative domain name server to the local recursive server 300.
  • the local recursive server 300 transmits a query request including the target user resource identifier to the authoritative domain name server 303 based on the address of the authoritative domain name server.
  • the rights name server 303 is configured to determine target bank account information associated with the target resource identifier based on the target resource identifier and the relationship information between the user resource identifier and the bank account information, that is, search for the target that includes the target user resource identifier in the multiple resource records.
  • the resource record obtains the target bank account information corresponding to the target user resource identifier from the target resource record, and then returns the target bank account information to the local recursive server 300.
  • the local recursive server 300 sends the target bank account information corresponding to the target user resource identifier to the host.
  • the host After the above query process of the domain name system, the host obtains the target bank account number, so that online payment can be made based on the target bank account information.
  • the local recursive server may locally store the association relationship information between the target user resource identifier and the target bank account information, and when the host sends the query request including the target user resource identifier to the local recursive server again.
  • the local recursive server may first query locally. If the association information between the target user resource identifier and the target bank account information exists locally, the target bank account information associated with the target user resource identifier may be directly obtained locally, and the The target bank account is sent to the host, which improves query efficiency and shortens query time.
  • the domain name system provided in this embodiment can verify the resource record by using its own signature verification mechanism, so that the user's online payment process does not need to use other third-party payment platforms, but only needs to be completed by querying the domain name system.
  • the domain name system verifies the resource record based on the DNSSEC protocol, so as to ensure the correctness and integrity of the relationship information between the user resource identifier and the bank account information queried by the domain name system.
  • the domain name system may pre-generate a resource record that records the association relationship between the user resource identifier and the bank account information, and may receive the query request of the target user resource identifier to be queried by the host, and may be based on the resource identifier and the bank.
  • the resource record of the account information association relationship determines the target bank account information associated with the target user resource identifier to be queried, and further the target bank account letter The information is fed back to the host so that the host can make online payments.
  • the domain name system provided by the embodiment of the present invention makes the online payment behavior of the user not need to use other third-party payment platforms, so it is a universal online payment service, which avoids the complicated and repeated bank account binding process and improves the user account. The user experience, and avoids the risk of property security loss caused by the use of the third-party payment platform.
  • the domain name system provided by the embodiment of the present invention can implement online payment, there is no need to introduce other payment platforms, so the deployment cost Low and easy to use.
  • the embodiment of the present invention further provides an online payment device, which is applied to a domain name system.
  • an online payment device which is applied to a domain name system.
  • FIG. 4 a schematic structural diagram of the device is shown.
  • the device may include: a receiving module 401, a determining module 402, and a sending module 403. .
  • the receiving module 401 is configured to receive a query request sent by the host, where the query request includes the target user resource identifier.
  • the determining module 402 is configured to determine target bank account information associated with the target user resource identifier based on the target user resource identifier and the association information of the resource identifier and the bank account information generated in the domain name system in advance.
  • the sending module 403 is configured to send the target bank account information to the host for online payment.
  • the information about the relationship between the user resource identifier and the bank account information includes multiple resource records, and each resource record is used to record a user resource identifier and associated bank account information.
  • the determining module includes: a search submodule and a determining submodule.
  • the search sub-module is configured to search for the target resource record in the plurality of resource records based on the target user resource identifier, where the target resource record includes the target resource identifier.
  • the determining submodule is configured to determine, in the target resource record, the bank account information associated with the target resource identifier as the target bank account information.
  • the online payment device provided by the embodiment of the present invention when receiving the query request of the target user resource identifier to be queried by the host, may be associated with the bank account information based on the target user resource identifier and the pre-generated user resource identifier in the domain name system.
  • the relationship information determines the target bank account information associated with the target user resource identifier to be queried, and then feeds the target bank account information to the host, so that the host can perform online payment. It can be seen that the online payment device provided by the embodiment of the present invention is implemented based on the domain name system, so that the online payment behavior of the user does not need to be paid by other third parties.
  • the platform is therefore a universal online payment service, which avoids the tedious and repeated bank account binding process, improves the user experience, and avoids the risk of property security loss caused by the use of third-party payment platforms.
  • the online payment device provided by the embodiment of the invention is implemented based on the domain name system, and does not need to introduce other payment platforms, so the deployment cost is low and the utility model is simple and easy to use.
  • the disclosed methods, apparatus, and devices may be implemented in other manners.
  • the device embodiments described above are merely illustrative.
  • the division of the unit is only a logical function division.
  • there may be another division manner for example, multiple units or components may be combined or Can be integrated into another system, or some features can be ignored or not executed.
  • the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some communication interface, device or unit, and may be electrical, mechanical or otherwise.
  • each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the functions may be stored in a computer readable storage medium if implemented in the form of a software functional unit and sold or used as a standalone product.
  • the technical solution of the present invention which is essential or contributes to the prior art, or a part of the technical solution, may be embodied in the form of a software product, which is stored in a storage medium, including
  • the instructions are used to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present invention.
  • the foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like. .

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Abstract

本申请提供了一种网上支付方法、域名系统及网上支付装置，方法包括：接收主机发送的查询请求，查询请求中包括目标用户资源标识；基于目标用户资源标识和预先在域名系统中生成的用户资源标识与银行账号信息的关联关系信息，确定与目标用户资源标识关联的目标银行账号信息；将目标银行账号信息发送至主机以进行网上支付。本申请提供的网上支付方法基于域名系统实现，从而使得用户的网上支付行为不需要借助第三方支付平台，因此是一种通用的网上支付服务，避免了繁琐重复的银行账号绑定过程，提升了用户体验，同时，避免了由于使用第三方支付平台而可能导致的财产安全损失风险，另外，由于不需要引入其它的支付平台，因此部署成本低且简单易用。

Description

一种网上支付方法、域名系统及网上支付装置
本申请要求于2016年10月13日提交中国专利局、申请号为201610894021.1、发明名称为“一种网上支付方法、域名系统及网上支付装置”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
本发明涉及网上支付技术领域，尤其涉及一种网上支付方法、域名系统及网上支付装置。
背景技术
近年来，网上支付行业迅猛发展，各种大大小小的第三方网上支付服务平台也随之诞生，这些第三方网上支付服务平台给用户的网上支付活动带来了极大便利。
在使用第三方网上支付服务平台时，用户通常只需要将自己的银行账户信息与自己的email地址或者手机号码等进行绑定，就可直接通过该email地址或手机号码等进行网上支付。
然而，在大多时候，用户会使用多个网上支付服务平台，可以理解的是，用户每使用一个网上支付服务平台就需要进行一次银行账户信息绑定过程。由此可见，繁琐、重复的银行账号信息绑定过程增加了用户网上支付的时间成本，降低了用户体验。另外，当前各种网上支付服务平台良莠不齐，鱼龙混杂，任何一家网上支付服务平台出现安全问题，都可能导致用户的银行账号遭受泄露、破坏，甚至篡改的风险，给用户的财产安全带来了极大隐患。
发明内容
有鉴于此，本发明提供了一种网上支付方法、域名系统及网上支付装置，用以解决现有技术中使用第三方网上支付服务平台时需要繁琐、重复进行银行账号信息绑定、且存在安全隐患的问题，其技术方案如下：
一种网上支付方法，应用于域名系统，所述方法包括：
接收主机发送的查询请求，所述查询请求中包括目标用户资源标识；
基于所述目标用户资源标识和预先在所述域名系统中生成的用户资源标识与银行账号信息的关联关系信息，确定与所述目标用户资源标识关联的目标银行账号信息；
将所述目标银行账号信息发送至所述主机以进行网上支付。
其中，所述用户资源标识与银行账号信息的关联关系信息包括多条资源记录，每条资源记录用于记录一用户资源标识和关联的银行账号信息；
所述基于所述目标用户资源标识和预先在所述域名系统中生成的用户资源标识与银行账号信息的关联关系信息，确定与所述目标用户资源标识关联的目标银行账号信息，包括：
基于所述目标用户资源标识在所述多条资源记录中查找目标资源记录，所述目标资源记录中包括所述目标资源标识；
将所述目标资源记录中，与所述目标资源标识关联的银行账号信息确定为所述目标银行账号信息。
其中，所述域名系统包括本地递归服务器和多级域名服务器；
所述基于所述目标用户资源标识在所述多条资源记录中查找目标资源记录，包括：
通过所述本地递归服务器基于所述目标用户资源标识采用递归查询方式逐级在所述多级域名服务器中确定存储所述用户资源标识与银行账号信息的关联关系信息的域名服务器；
在存储所述用户资源标识与银行账号信息的关联关系信息的域名服务器中查找包含所述目标用户资源标识的目标资源记录。
一种域名系统，所述域名系统用于预先生成用户资源标识与银行账号信息的关联关系信息，以及，在接收到主机发送的包括目标用户资源标识的查询请求时，基于所述目标用户资源标识和所述用户资源标识与银行账号信息的关联关系信息，确定与所述目标用户资源标识关联的目标银行账号信息，将所述目标银行账号信息发送至所述主机以进行网上支付。
其中，所述用户资源标识与银行账号信息的关联关系信息包括多条资源记录，每条资源记录用于记录一用户资源标识和关联的银行账号信息；
则所述域名系统，具体用于基于所述目标用户资源标识在所述多条资源记录中查找包括所述目标资源标识目标资源记录，并将所述目标资源记录中，与所述目标资源标识关联的银行账号信息确定为所述目标银行账号信息。
其中，所述域名系统包括：本地递归服务器和多级域名服务器，所述递归 服务器可与所述多级域名服务器中的各个域名服务器进行交互；
所述本地递归服务器，用于接收主机发送的包括目标用户资源标识的查询请求，并基于所述目标用户资源标识采用递归查询方式逐级在所述多级域名服务器中确定存储所述用户资源标识与银行账号信息的关联关系信息的域名服务器，从所述存储所述用户资源标识与银行账号信息的关联关系信息的域名服务器中获取与所述目标用户资源标识关联的目标银行账号信息。
其中，所述多级域名服务器包括：根域名服务器、顶级域名服务器和权威域名服务器；
所述本地递归服务器，用于向所述根域名服务器发送包括所述目标用户资源标识的查询请求；
所述根域名服务器，用于向所述本地递归服务器返回所述顶级域名服务器的地址；
所述本地递归服务器，还用于基于所述顶级域名服务器的地址向所述顶级域名服务器发送包括所述目标用户资源标识的查询请求；
所述顶级域名服务器，用于向所述本地递归服务器返回所述权威域名服务器的地址；
所述本地递归服务器，用于基于所述权限域名服务器的地址向所述权限域名服务器发送包括所述目标用户资源标识的查询请求；
所述权限域名服务器，用于基于所述目标资源标识和所述用户资源标识与银行账号信息的关联关系信息确定与所述目标资源标识关联的目标银行账号信息，并将所述目标银行账号信息发送至所述本地递归服务器。
其中，域名系统基于DNSSEC协议对所述用户资源标识与银行账号信息的关联关系信息进行核验。
一种网上支付装置，应用于域名系统，所述装置包括：接收模块、确定模块和发送模块；
所述接收模块，用于接收主机发送的查询请求，所述查询请求中包括目标用户资源标识；
所述确定模块，用于基于所述目标用户资源标识和预先在所述域名系统中生成的用户资源标识与银行账号信息的关联关系信息，确定与所述目标用户资 源标识关联的目标银行账号信息；
所述发送模块，用于将所述目标银行账号信息发送至所述主机以进行网上支付。
其中，所述用户资源标识与银行账号信息的关联关系信息包括多条资源记录，每条资源记录用于记录一用户资源标识和关联的银行账号信息；
所述确定模块包括：查找子模块和确定子模块；
所述查找子模块，用于基于所述目标用户资源标识在所述多条资源记录中查找目标资源记录，所述目标资源记录中包括所述目标资源标识；
所述确定子模块，用于将所述目标资源记录中，与所述目标资源标识关联的银行账号信息确定为所述目标银行账号信息。
上述技术方案具有如下有益效果：
本发明提供的网上支付方法、域名系统及网上支付装置，在将用户资源标识与银行账号信息进行绑定时，可在域名系统中生成用户资源标识与银行账号信息的关联关系信息，当接收到主机发送的对待查询的目标用户资源标识的查询请求时，可基于预先在域名系统中生成的用户资源标识与银行账号信息的关联关系信息确定出与待查询的目标用户资源标识关联的目标银行账号信息，进而将目标银行账号信息反馈给主机，从而使主机可以进行网上支付。由此可见，本发明提供的网上支付方法基于域名系统实现，从而使得用户的网上支付行为不需要借助其它第三方支付平台，因此是一种通用的网上支付服务，避免了繁琐重复的银行账号绑定过程，提升了用户体验，同时，避免了由于使用第三方支付平台而可能导致的财产安全损失风险，另外，由于本发明提供的网上支付方法基于域名系统实现，不需要引入其它的支付平台，因此部署成本低且简单易用。
附图说明
图1为本发明实施例提供的网上支付方法的一流程示意图；
图2为本发明实施例提供的网上支付方法的另一流程示意图；
图3为本发明实施例提供的域名系统的一具体实例的结构示意图；
图4为本发明实施例提供的网上支付装置的结构示意图。
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，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
本发明实施例提供了一种网上支付方法，该方法应用于域名系统，预先在域名系统中生成用户资源标识与银行账号信息的关联关系信息，请参阅图1，示出了该网上支付方法的流程示意图，可以包括：
步骤S101：接收主机发送的查询请求。
其中，查询请求中包括目标用户资源标识。
步骤S102：基于目标用户资源标识和预先在域名系统中生成的用户资源标识与银行账号信息的关联关系信息，确定与目标用户资源标识关联的目标银行账号信息。
步骤S103：将目标银行账号信息发送至主机以进行网上支付。
本发明实施例提供的网上支付方法，在将用户资源标识与银行账号信息进行绑定时，可在域名系统中生成用户资源标识与银行账号信息的关联关系信息，当接收到主机发送的对待查询的目标用户资源标识的查询请求时，可基于预先在域名系统中生成的用户资源标识与银行账号信息的关联关系信息确定出与待查询的目标用户资源标识关联的目标银行账号信息，进而将目标银行账号信息反馈给主机，从而使主机可以进行网上支付。由此可见，本发明实施例提供的网上支付方法基于域名系统实现，从而使得用户的网上支付行为不需要借助其它第三方支付平台，因此是一种通用的网上支付服务，避免了繁琐重复的银行账号绑定过程，提升了用户体验，并且，避免了由于使用第三方支付平台而可能导致的财产安全损失风险，另外，由于本发明实施例提供的网上支付方法基于域名系统实现，不需要引入其它的支付平台，因此部署成本低且简单易用。
请参阅图2，示出了本发明实施例提供的网上支付方法的另一流程示意图，该方法应用于域名系统，预先在域名系统中生成用户资源标识与银行账号 信息的关联关系信息，具体的，用户资源标识与银行账号信息的关联关系信息包括多条资源记录，每条资源记录用于记录一用户资源标识和关联的银行账号信息，该网上支付方法可以包括：
步骤S201：接收主机发送的查询请求。
其中，查询请求中包括目标用户资源标识，目标用户资源标识可以但不限定为目标用户的邮箱地址、个人域名等。
步骤S202：基于目标用户资源标识在多条资源记录中查找包括目标资源标识的目标资源记录。
在本实施例中，域名系统可以包括本地递归服务器和多级域名服务器，域名系统通过本地递归服务器基于目标用户资源标识采用递归查询方式逐级在多级域名服务器中确定存储用户资源标识与银行账号信息的关联关系信息的权威域名服务器，在存储用户资源标识与银行账号信息的关联关系信息的权威域名服务器中查找包含目标用户资源标识的目标资源记录。
步骤S203：将目标资源记录中，与目标资源标识关联的银行账号信息确定为目标银行账号信息。
步骤S204：将目标银行账号信息发送至主机以进行网上支付。
在上述本发明实施例的基础上，现列举一具体实例进行说明：
假设用户B有一个email地址为userb@paya.cn，将email地址userb@paya.cn与用户B的银行账号信息进行绑定时，会在域名系统中与userb@paya.cn对应的权威域名服务器中生成一条资源记录：
userb.paya.cnIN    PayA<XXX XXXXXXXXXXXX>
其中，userb.paya.cn代表用户B的email地址,“XXX XXXXXXXXXXXX”包含用户B的银行账号信息，即相当于在权威域名服务器中生成了用户B的邮箱地址与用户B的银行账号的关联关系信息。
当存在多个用户时，权威域名服务器中相应会生成多条资源记录：
Figure PCTCN2017073467-appb-000001
……
假设主机想要获取用户B的银行账号信息进行网上支付，那么主机向域名系统发送包含用户B的邮箱地址的查询请求，域名系统接收到该查询请求时，可基于用户B的邮箱地址在多条资源记录中查找目标资源记录：
userb.paya.cnIN    PayA<XXX XXXXXXXXXXXX>
在查找到目标资源记录后，可从该目标资源记录中获得与userb.paya.cn关联的银行账号信息“XXX XXXXXXXXXXXX”，然后将与用户B的邮件地址关联的银行账号信息“XXX XXXXXXXXXXXX”发送至主机，如此，主机便获得了用户B的账号信息，进而可以基于用户B的账号信息进行网上支付行为。
由上述过程可以看出，对于用户而言，只需要输入用户的资源标识如用户的email地址即可，示例性的，用户A通过网上银行向用户B进行转账，只需要输入用户B的email地址，而不需要输入用户B的银行卡号，银行端只需要发起相应的域名系统DNS查询，即可正确的获取用户B的银行账户信息，进而完成网上转账处理，而不需要任何第三方支付平台的参与。
需要说明的是，本实施例中所提及的网上支付是在网络上进行账户金额支付使用的一类操作，可以包括网上购物消费、网上缴费、网上转账、网上捐款等等。
另外，在本实施例中，可通过域名系统自有的签名核验机制对资源记录进行核验，从而使得用户的网上支付过程不需要借助其他第三方支付平台，而只需要通过查询域名系统即可完成。具体的，域名系统基于DNSSEC协议对资源记录进行核验，从而可以保证域名系统查询到的用户资源标识与银行账号信息的关联关系信息的正确性和完整性。
本发明实施例提供的网上支付方法，在将用户资源标识与银行账号信息进行绑定时，可在域名系统中生成记录资源标识与银行账号信息关联关系的资源记录，当接收到主机发送的对待查询的目标用户资源标识的查询请求时，可基于资源标识与银行账号信息关联关系的资源记录确定出与待查询的目标用户资源标识关联的目标银行账号信息，进而将目标银行账号信息反馈给主机，从而使主机可以进行网上支付。由此可见，本发明实施例提供的网上支付方法基 于域名系统实现，从而使得用户的网上支付行为不需要借助其他第三方支付平台，因此是一种通用的网上支付服务，避免了繁琐重复的银行账号绑定过程，提升了用户体验，并且，避免了由于使用第三方支付平台而可能导致的财产安全损失风险，另外，由于本发明实施例提供的网上支付方法基于域名系统实现，不需要引入其它的支付平台，因此部署成本低且简单易用。
本发明实施例还提供了一种域名系统，该域名系统用于预先生成用户资源标识与银行账号信息的关联关系信息，以及，在接收到主机发送的包括目标用户资源标识的查询请求时，基于目标用户资源标识、用户资源标识与银行账号信息的关联关系信息，确定与目标用户资源标识关联的目标银行账号信息，将目标银行账号信息发送至主机以进行网上支付。
具体的，用户资源标识与银行账号信息的关联关系信息包括多条资源记录，每条资源记录用于记录一用户资源标识和关联的银行账号信息。
则域名系统，具体用于基于目标用户资源标识在多条资源记录中查找包括目标资源标识的目标资源记录，并将目标资源记录中，与目标资源标识关联的银行账号信息确定为目标银行账号信息。
在本实施例中，域名系统可以包括：本地递归服务器和多级域名服务器。本地递归服务器可与多级域名服务器中的各个域名服务器进行交互，用于接收主机发送的包括目标用户资源标识的查询请求，并基于目标用户资源标识采用递归查询方式逐级在多级域名服务器中确定存储用户资源标识与银行账号信息的关联关系信息的域名服务器，从存储用户资源标识与银行账号信息的关联关系信息的域名服务器中获取与目标用户资源标识关联的目标银行账号信息。
请参阅图3，示出了本发明实施例提供的域名系统的一具体实例的结构示意图，该域名系统可以包括：本地递归服务器300、根域名服务器301、顶级域名服务器302和权威域名服务器303。
本地递归服务器300，接收主机发送的包含目标用户资源标识的查询请求，然后向根域名服务器301发送包括目标用户资源标识的查询请求。
根域名服务器301，向本地递归服务器300返回顶级域名服务器的地址。
本地递归服务器300，获得根域名服务器301返回的地址后，便可得知下 一步应当向那个域名服务器查询，然后，基于顶级域名服务器的地址向对应的顶级域名服务器302发送包括目标用户资源标识的查询请求。
顶级域名服务器302，向本地递归服务器300返回权威域名服务器的地址。
本地递归服务器300，基于权威域名服务器的地址向权威域名服务器303发送包括目标用户资源标识的查询请求。
权限域名服务器303，用于基于目标资源标识和用户资源标识与银行账号信息的关联关系信息确定与目标资源标识关联的目标银行账号信息，即在多条资源记录中查找包含目标用户资源标识的目标资源记录，从该目标资源记录中获取与目标用户资源标识对应的目标银行账号信息，然后将目标银行账号信息返回给本地递归服务器300。
本地递归服务器300，将与目标用户资源标识对应的目标银行账号信息发送至主机。
经过域名系统的上述查询过程，主机便获得了目标银行账号，从而可以基于目标银行账号信息进行网上支付。
需要说明的是，本地递归服务器在获得目标银行账号信息之后，可在本地存储目标用户资源标识与目标银行账号信息的关联关系信息，当主机再次向本地递归服务器发送包含目标用户资源标识的查询请求时，本地递归服务器可先在本地查询，如果本地即存在目标用户资源标识与目标银行账号信息的关联关系信息，则可直接从本地获得与目标用户资源标识关联的目标银行账号信息，并将该目标银行账号发送至主机，如此，可提高查询效率，缩短查询时间。
另外，本实施例提供的域名系统可利用自有的签名核验机制对资源记录进行核验，从而使得用户的网上支付过程不需要借助其他第三方支付平台，而只需要通过查询域名系统即可完成。具体的，域名系统基于DNSSEC协议对资源记录进行核验，从而可以保证域名系统查询到的用户资源标识与银行账号信息的关联关系信息的正确性和完整性。
本发明实施例提供的域名系统，可预先生成记录用户资源标识与银行账号信息关联关系的资源记录，当接收到主机发送的对待查询的目标用户资源标识的查询请求时，可基于资源标识与银行账号信息关联关系的资源记录确定出与待查询的目标用户资源标识关联的目标银行账号信息，进而将目标银行账号信 息反馈给主机，从而使主机可以进行网上支付。由此可见，本发明实施例提供的域名系统使得用户的网上支付行为不需要借助其他第三方支付平台，因此是一种通用的网上支付服务，避免了繁琐重复的银行账号绑定过程，提升了用户体验，并且，避免了由于使用第三方支付平台而可能导致的财产安全损失风险，另外，由于本发明实施例提供的域名系统即可实现网上支付，不需要引入其它的支付平台，因此部署成本低且简单易用。
本发明实施例还提供了一种网上支付装置，该装置应用于域名系统，请参阅图4，示出了该装置的结构示意图，该装置可以包括：接收模块401、确定模块402和发送模块403。
接收模块401，用于接收主机发送的查询请求，查询请求中包括目标用户资源标识。
确定模块402，用于基于目标用户资源标识和预先在域名系统中生成的资源标识与银行账号信息的关联关系信息，确定与目标用户资源标识关联的目标银行账号信息。
发送模块403，用于将目标银行账号信息发送至主机以进行网上支付。
其中，用户资源标识与银行账号信息的关联关系信息包括多条资源记录，每条资源记录用于记录一用户资源标识和关联的银行账号信息。则确定模块包括：查找子模块和确定子模块。
查找子模块，用于基于目标用户资源标识在所述多条资源记录中查找目标资源记录，目标资源记录中包括目标资源标识。
确定子模块，用于将目标资源记录中，与目标资源标识关联的银行账号信息确定为目标银行账号信息。
本发明实施例提供的网上支付装置，当接收到主机发送的对待查询的目标用户资源标识的查询请求时，可基于目标用户资源标识，以及域名系统中预先生成的用户资源标识与银行账号信息关联关系信息确定出与待查询的目标用户资源标识关联的目标银行账号信息，进而将目标银行账号信息反馈给主机，从而使主机可以进行网上支付。由此可见，本发明实施例提供的网上支付装置基于域名系统实现，从而使得用户的网上支付行为不需要借助其他第三方支付 平台，因此是一种通用的网上支付服务，避免了繁琐重复的银行账号绑定过程，提升了用户体验，并且，避免了由于使用第三方支付平台而可能导致的财产安全损失风险，另外，由于本发明实施例提供的网上支付装置基于域名系统实现，不需要引入其它的支付平台，因此部署成本低且简单易用。
本说明书中各个实施例采用递进的方式描述，每个实施例重点说明的都是与其他实施例的不同之处，各个实施例之间相同相似部分互相参见即可。
在本申请所提供的几个实施例中，应该理解到，所揭露的方法、装置和设备，可以通过其它的方式实现。例如，以上所描述的装置实施例仅仅是示意性的，例如，所述单元的划分，仅仅为一种逻辑功能划分，实际实现时可以有另外的划分方式，例如多个单元或组件可以结合或者可以集成到另一个系统，或一些特征可以忽略，或不执行。另一点，所显示或讨论的相互之间的耦合或直接耦合或通信连接可以是通过一些通信接口，装置或单元的间接耦合或通信连接，可以是电性，机械或其它的形式。
所述作为分离部件说明的单元可以是或者也可以不是物理上分开的，作为单元显示的部件可以是或者也可以不是物理单元，即可以位于一个地方，或者也可以分布到多个网络单元上。可以根据实际的需要选择其中的部分或者全部单元来实现本实施例方案的目的。另外，在本发明各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。
所述功能如果以软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分或者该技术方案的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括若干指令用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)执行本发明各个实施例所述方法的全部或部分步骤。而前述的存储介质包括：U盘、移动硬盘、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、磁碟或者光盘等各种可以存储程序代码的介质。
对所公开的实施例的上述说明，使本领域专业技术人员能够实现或使用本 发明。对这些实施例的多种修改对本领域的专业技术人员来说将是显而易见的，本文中所定义的一般原理可以在不脱离本发明的精神或范围的情况下，在其它实施例中实现。因此，本发明将不会被限制于本文所示的这些实施例，而是要符合与本文所公开的原理和新颖特点相一致的最宽的范围。

Claims (10)

  1. 一种网上支付方法，其特征在于，应用于域名系统，所述方法包括：
    接收主机发送的查询请求，所述查询请求中包括目标用户资源标识；
    基于所述目标用户资源标识和预先在所述域名系统中生成的用户资源标识与银行账号信息的关联关系信息，确定与所述目标用户资源标识关联的目标银行账号信息；
    将所述目标银行账号信息发送至所述主机以进行网上支付。
  2. 根据权利要求1所述的网上支付方法，其特征在于，所述用户资源标识与银行账号信息的关联关系信息包括多条资源记录，每条资源记录用于记录一用户资源标识和关联的银行账号信息；
    所述基于所述目标用户资源标识和预先在所述域名系统中生成的用户资源标识与银行账号信息的关联关系信息，确定与所述目标用户资源标识关联的目标银行账号信息，包括：
    基于所述目标用户资源标识在所述多条资源记录中查找目标资源记录，所述目标资源记录中包括所述目标资源标识；
    将所述目标资源记录中，与所述目标资源标识关联的银行账号信息确定为所述目标银行账号信息。
  3. 根据权利要求2所述的网上支付方法，其特征在于，所述域名系统包括本地递归服务器和多级域名服务器；
    所述基于所述目标用户资源标识在所述多条资源记录中查找目标资源记录，包括：
    通过所述本地递归服务器基于所述目标用户资源标识采用递归查询方式逐级在所述多级域名服务器中确定存储所述用户资源标识与银行账号信息的关联关系信息的域名服务器；
    在存储所述用户资源标识与银行账号信息的关联关系信息的域名服务器中查找包含所述目标用户资源标识的目标资源记录。
  4. 一种域名系统，其特征在于，所述域名系统用于预先生成用户资源标识与银行账号信息的关联关系信息，以及，在接收到主机发送的包括目标用户 资源标识的查询请求时，基于所述目标用户资源标识和所述用户资源标识与银行账号信息的关联关系信息，确定与所述目标用户资源标识关联的目标银行账号信息，将所述目标银行账号信息发送至所述主机以进行网上支付。
  5. 根据权利要求4所述的域名系统，其特征在于，所述用户资源标识与银行账号信息的关联关系信息包括多条资源记录，每条资源记录用于记录一用户资源标识和关联的银行账号信息；
    则所述域名系统，具体用于基于所述目标用户资源标识在所述多条资源记录中查找包括所述目标资源标识目标资源记录，并将所述目标资源记录中，与所述目标资源标识关联的银行账号信息确定为所述目标银行账号信息。
  6. 根据权利要求5所述域名系统，其特征在于，所述域名系统包括：本地递归服务器和多级域名服务器，所述递归服务器可与所述多级域名服务器中的各个域名服务器进行交互；
    所述本地递归服务器，用于接收主机发送的包括目标用户资源标识的查询请求，并基于所述目标用户资源标识采用递归查询方式逐级在所述多级域名服务器中确定存储所述用户资源标识与银行账号信息的关联关系信息的域名服务器，从所述存储所述用户资源标识与银行账号信息的关联关系信息的域名服务器中获取与所述目标用户资源标识关联的目标银行账号信息。
  7. 根据权利要求6所述的域名系统，其特征在于，所述多级域名服务器包括：根域名服务器、顶级域名服务器和权威域名服务器；
    所述本地递归服务器，用于向所述根域名服务器发送包括所述目标用户资源标识的查询请求；
    所述根域名服务器，用于向所述本地递归服务器返回所述顶级域名服务器的地址；
    所述本地递归服务器，还用于基于所述顶级域名服务器的地址向所述顶级域名服务器发送包括所述目标用户资源标识的查询请求；
    所述顶级域名服务器，用于向所述本地递归服务器返回所述权威域名服务器的地址；
    所述本地递归服务器，用于基于所述权限域名服务器的地址向所述权限域名服务器发送包括所述目标用户资源标识的查询请求；
    所述权限域名服务器，用于基于所述目标资源标识和所述用户资源标识与银行账号信息的关联关系信息确定与所述目标资源标识关联的目标银行账号信息，并将所述目标银行账号信息发送至所述本地递归服务器。
  8. 根据权利要求4至7中任意一项所述的域名系统，其特征在于，所述域名系统基于DNSSEC协议对所述用户资源标识与银行账号信息的关联关系信息进行核验。
  9. 一种网上支付装置，其特征在于，应用于域名系统，所述装置包括：接收模块、确定模块和发送模块；
    所述接收模块，用于接收主机发送的查询请求，所述查询请求中包括目标用户资源标识；
    所述确定模块，用于基于所述目标用户资源标识和预先在所述域名系统中生成的用户资源标识与银行账号信息的关联关系信息，确定与所述目标用户资源标识关联的目标银行账号信息；
    所述发送模块，用于将所述目标银行账号信息发送至所述主机以进行网上支付。
  10. 根据权利要求9所述的网上支付装置，其特征在于，所述用户资源标识与银行账号信息的关联关系信息包括多条资源记录，每条资源记录用于记录一用户资源标识和关联的银行账号信息；
    所述确定模块包括：查找子模块和确定子模块；
    所述查找子模块，用于基于所述目标用户资源标识在所述多条资源记录中查找目标资源记录，所述目标资源记录中包括所述目标资源标识；
    所述确定子模块，用于将所述目标资源记录中，与所述目标资源标识关联的银行账号信息确定为所述目标银行账号信息。
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