WO2019019826A1 - 一种支付方法及装置 - Google Patents

一种支付方法及装置 Download PDF

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Publication number
WO2019019826A1
WO2019019826A1 PCT/CN2018/090877 CN2018090877W WO2019019826A1 WO 2019019826 A1 WO2019019826 A1 WO 2019019826A1 CN 2018090877 W CN2018090877 W CN 2018090877W WO 2019019826 A1 WO2019019826 A1 WO 2019019826A1
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WO
WIPO (PCT)
Prior art keywords
payment
pos terminal
online
online transaction
platform
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/090877
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English (en)
French (fr)
Inventor
王琪
刘国宝
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Unionpay Co Ltd
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China Unionpay Co Ltd
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Filing date
Publication date
Application filed by China Unionpay Co Ltd filed Critical China Unionpay Co Ltd
Publication of WO2019019826A1 publication Critical patent/WO2019019826A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Definitions

  • the present invention relates to the field of payment technologies, and in particular, to a payment method and apparatus.
  • the POS machine is a multi-functional terminal. It can be installed in the special merchants of the credit card and the receiving network to connect with the computer to realize the automatic transfer of electronic funds. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer. Safe, fast and reliable to use.
  • the POS machine reads the cardholder magnetic stripe information on the bank card through the card reader, and the POS operator inputs the transaction amount, and the cardholder inputs the personal identification information (ie, the password), and the POS passes the information through the UnionPay center and sends the information.
  • the issuing bank system completes the online transaction, gives information on the success or failure, and prints the corresponding ticket.
  • the present invention provides a payment method and apparatus for solving the problem that the function of the POS terminal supporting online transactions in the prior art is not friendly, and the online transaction cannot be completed by the POS terminal.
  • an embodiment of the present invention provides a payment method, including: acquiring, by a sales terminal POS terminal, order information for an online transaction, and acquiring payment information input by the user;
  • the POS terminal encrypts the payment information, and sends a first payment request to the online transaction platform, where the first payment request carries the order information and the encrypted payment information;
  • the second The payment request is determined by the online trading platform based on the first payment request.
  • the POS terminal can obtain a payment request for the online transaction order information and generate a first payment request, and send the first payment request to the line corresponding to the POS terminal through the online transaction platform connected to the POS terminal. Go to the trading platform and receive the payment result of the online payment platform for the first payment request.
  • the service scope of the POS terminal can be expanded, and the payment channel of the online transaction is expanded, so that the online transaction can also be completed by means of swiping/swapping.
  • the payment information includes a payment account and a payment password
  • the POS terminal encrypts the payment information and sends a first payment request to the online transaction platform, including:
  • the POS terminal encrypts the payment password by using a first key, where the first key is sent by the online transaction platform to the POS terminal when the POS terminal registers with the online transaction platform;
  • the POS terminal obtains the first payment request according to the order information, the payment account, and the encrypted payment password, and sends the first payment request to the online trading platform.
  • the password input by the user is encrypted by using the first key of the POS terminal, the password security in the online transaction payment process of the POS terminal is ensured.
  • the POS terminal sends a first payment request to the online transaction platform, including:
  • the second payment request is sent to the online trading platform corresponding to the POS terminal by using the first transaction interface, and the first transaction interface is a connection interface between the online trading platform corresponding to the POS terminal and the online trading platform.
  • the message sent by the POS terminal to the online transaction platform includes an online transaction identifier
  • the online transaction identifier is determined by the POS terminal after the POS terminal obtains the order information, and the POS terminal sends the online transaction identifier to the connection.
  • the trading platform is configured to enable the online trading platform to determine, according to the online transaction identifier, that the payment request is an online payment request, and send the payment request to the online trading platform through an online trading interface.
  • the POS terminal sends a first payment request to the online transaction platform, including:
  • the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform;
  • the first transaction interface is a connection interface between the online trading platform corresponding to the POS terminal and the online trading platform.
  • the POS terminal determines that the order information is online order information, and then sends the payment request to the online trading platform through an online trading interface, so that the online trading platform passes the online trading interface. After obtaining the payment request, it is determined that the payment request is an online transaction.
  • the order information of the online transaction is acquired according to an online transaction client of the POS terminal, or is acquired from another terminal.
  • the online APP can be directly run on the POS terminal, or the online APP on other terminals can be used for online shopping, and then the card payment is performed on the POS terminal.
  • an embodiment of the present invention further provides a payment method, including:
  • the online transaction platform decrypts the encrypted payment information
  • the online transaction platform acquires online merchant information corresponding to the POS terminal, and acquires a second key corresponding to the merchant information;
  • the online transaction platform encrypts the second payment request by using the second key, and the second payment request includes the order information and the decrypted payment information;
  • the online transaction platform sends the encrypted second payment request to an online trading platform corresponding to the POS terminal.
  • the online transaction platform determines that the first payment request is an online transaction, and the online transaction platform performs the conversion because the encryption method of the POS terminal and the online transaction platform is different. Encryption ensures the security of payment requests.
  • the first payment request carries the order information, the encrypted payment information, and an online transaction identifier
  • the online transaction platform sends the encrypted second payment request to the online trading platform corresponding to the POS terminal, including:
  • the online transaction platform Determining, by the online transaction platform, that the interface corresponding to the online transaction identifier is a first transaction interface, where the first transaction interface is an online transaction platform corresponding to the POS terminal and the online transaction platform Connection interface
  • the online transaction platform sends the second payment request to the online trading platform corresponding to the POS terminal through the first transaction interface.
  • the online transaction platform determines, according to the online transaction identifier in the first payment request, that the current payment request is an online transaction request, and then passes the interface corresponding to the online trading platform. Send the second payment request to the online trading platform.
  • the online transaction platform receives the first payment request sent by the POS terminal, and includes:
  • the online transaction platform Receiving, by the online transaction platform, a first payment request sent by the POS terminal by using a second transaction interface;
  • the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform;
  • the online transaction platform sends the encrypted second payment request to the online trading platform corresponding to the POS terminal, including:
  • the online transaction platform sends the second payment request to the online trading platform corresponding to the POS terminal through the first transaction interface, where the first transaction interface is an online trading platform corresponding to the POS terminal and the The connection interface of the online trading platform.
  • the online transaction platform receives the first payment request through the specific interface, and the online transaction platform determines that the payment request is an online transaction request, and then sends the second payment request to the line through an interface corresponding to the online trading platform. On the trading platform.
  • the present invention provides a payment device, which is applied to a POS terminal, and includes:
  • the obtaining unit is configured to obtain payment information input by the user for the order information of the online transaction
  • An encryption unit configured to encrypt the payment information
  • a first transceiver unit configured to send a first payment request to the online transaction platform, the first payment request carrying the order information and the encrypted payment information; receiving a payment result sent by the online trading platform, the payment result And a processing result of the second payment request sent by the online transaction platform corresponding to the online transaction platform of the POS terminal, where the second payment request is determined by the online transaction platform according to the first payment request.
  • the payment request is obtained and the first payment request is generated, and the first payment request is sent to the online trading platform corresponding to the POS terminal through the online trading platform connected to the POS terminal. And receiving the payment result of the online payment platform for the first payment request.
  • the service scope of the POS terminal can be expanded, and the payment channel of the online transaction is expanded, so that the online transaction can also be completed by means of swiping/swapping.
  • the payment information includes a payment account and a payment password
  • the encryption unit is specifically configured to:
  • the POS terminal encrypts the payment password by using a first key, where the first key is sent by the online transaction platform to the POS terminal when the POS terminal registers with the online transaction platform;
  • the first transceiver unit is specifically configured to:
  • the POS terminal obtains the first payment request according to the order information, the payment account, and the encrypted payment password, and sends the first payment request to the online trading platform.
  • first transceiver unit is specifically configured to:
  • the request is sent to the online trading platform corresponding to the POS terminal through the first transaction interface, where the first transaction interface is a connection interface between the online trading platform corresponding to the POS terminal and the online trading platform.
  • first transceiver unit is specifically configured to:
  • the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform;
  • the transaction platform, the first transaction interface is a connection interface between the online transaction platform corresponding to the POS terminal and the online transaction platform.
  • the order information of the online transaction is acquired according to an online transaction client of the POS terminal, or is acquired from another terminal.
  • the present invention also provides a payment device, including:
  • a second transceiver unit configured to receive a first payment request sent by the POS terminal, where the first payment request carries order information of the online transaction and the encrypted payment information; and the encrypted second payment request is sent to the The online trading platform corresponding to the POS terminal;
  • a decryption unit configured to decrypt the encrypted payment information
  • trans-encryption unit configured to encrypt the second payment request by using the second key, where the second payment request includes the order information and the decrypted payment information.
  • the encryption is performed to ensure the payment request.
  • the first payment request carries the order information, the encrypted payment information, and an online transaction identifier
  • the second transceiver unit is specifically configured to:
  • the interface corresponding to the online transaction identifier is a first transaction interface, where the first transaction interface is a connection interface between the online transaction platform corresponding to the POS terminal and the online transaction platform;
  • the second transceiver unit is specifically configured to:
  • the second transaction interface Receiving, by the second transaction interface, a first payment request sent by the POS terminal; the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform; and the second payment request is passed
  • the first transaction interface is sent to the online transaction platform corresponding to the POS terminal, and the first transaction interface is a connection interface between the online transaction platform corresponding to the POS terminal and the online transaction platform.
  • an embodiment of the present invention provides a POS terminal, including: a processor, a memory, a transceiver, and a bus interface, wherein a processor, a memory, and a transceiver are connected through a bus interface;
  • the transceiver is configured to obtain payment information input by a user for order information of an online transaction
  • the processor is configured to encrypt the payment information, and send a first payment request to the online transaction platform, where the first payment request carries the order information and the encrypted payment information;
  • the transceiver is configured to receive a payment result sent by the online transaction platform, where the payment result is a processing result of a second payment request sent by the online trading platform corresponding to the online transaction platform by the POS terminal, The second payment request is determined by the online transaction platform according to the first payment request.
  • the memory is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the bus interface is for providing an interface.
  • an embodiment of the present invention provides an online transaction platform, including: a processor, a memory, a transceiver, and a bus interface, wherein a processor, a memory, and a transceiver are connected by a bus interface;
  • the processor decrypts the encrypted payment information
  • the transceiver acquires online merchant information corresponding to the POS terminal, and acquires a second key corresponding to the merchant information;
  • the processor encrypts the second payment request by using the second key, where the second payment request includes the order information and the decrypted payment information;
  • the memory is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the bus interface is for providing an interface.
  • an embodiment of the present invention provides a non-transitory computer readable storage medium, where the non-transitory computer readable storage medium stores computer instructions for causing the computer to perform the first aspect and The payment method of any of the second aspects.
  • an embodiment of the present invention provides a computer program product, the computer program product comprising a computing program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions, when the program instruction is The computer, when executed, causes the computer to perform the payment method of any of the first and second aspects described above.
  • FIG. 1 is a schematic structural diagram of a payment system according to an embodiment of the present invention.
  • FIG. 2 is a schematic diagram of a first transaction interface according to an embodiment of the present invention.
  • FIG. 3 is a schematic diagram of a second transaction interface according to an embodiment of the present invention.
  • FIG. 4 is a schematic flowchart diagram of a payment method according to an embodiment of the present disclosure.
  • FIG. 5 is a schematic structural diagram of a payment apparatus according to an embodiment of the present invention.
  • FIG. 6 is a schematic structural diagram of another payment apparatus according to an embodiment of the present invention.
  • FIG. 7 is a schematic flowchart of a payment method according to an embodiment of the present disclosure.
  • FIG. 8 is a schematic flowchart diagram of another payment method according to an embodiment of the present disclosure.
  • FIG. 9 is a schematic structural diagram of a POS terminal according to an embodiment of the present disclosure.
  • FIG. 10 is a schematic structural diagram of an online transaction platform according to an embodiment of the present invention.
  • the present invention provides a payment system, as described in FIG. 1, including a POS terminal 100, an online trading platform 110, an online trading platform 120, and an acquiring platform 130.
  • the online trading platform 110 is connected to the POS terminal 100, and the online trading platform 110 is connected to the online trading platform 120 and the acquiring platform 130 respectively; the POS terminal 100 is configured to receive online orders and offline orders, and receive the user for credit card transmission. Generating a payment request according to the order information and the card swiping information, and sending the payment request to the online trading platform 110; the online trading platform 110 determines whether the payment request belongs to an online transaction or an offline transaction, and for the online transaction, the payment request is encrypted and sent.
  • the payment request is forwarded to the acquiring platform; the online trading platform 120 is used to complete the online transaction, and the acquiring platform 130 is used to complete the offline transaction, the online trading platform 120 and the POS
  • the terminal 100 has a corresponding relationship.
  • the payment vendor corresponding to the POS terminal 100 may be different, and may correspond to different online transaction platforms 120.
  • the order information of the online transaction received by the POS terminal 100 may be from an online application on the POS terminal 100, or may be from another terminal; for example, in the embodiment of the present invention, the POS terminal 100 on the wired APP, the user generates the order information after shopping on the online APP on the POS terminal 100, or the online APP has a binding relationship with the POS terminal 100 after the user makes the shopping on the online APP of the other terminal. After the user successfully places an order, the POS terminal 100 can acquire the order information.
  • the POS terminal 100 After the POS terminal 100 obtains the order information of the online transaction, the payment information input by the user is acquired, and the payment information is encrypted, and the encrypted payment information and the order information are sent to the online transaction platform 110.
  • the payment information input by the user may include fingerprint information of the user or payment password information input on a physical keyboard of the POS terminal 100.
  • the payment information input by the user includes the fingerprint information of the user, that is, the fingerprint identification device is on the POS terminal 100, when the user performs the payment, the user enters according to the preset fingerprint information to complete the payment; or
  • the POS terminal 100 has a physical keyboard, and the user inputs a password when making a payment.
  • the POS terminal sends the order information and the encrypted payment information to generate the first payment request to the online transaction platform 110. Since the encryption system of the POS terminal 100 is different from the encryption system of the online transaction platform 120, the POS terminal is connected.
  • the trading platform 110 needs to decrypt the first payment request and re-encrypt to generate a second payment request for transmission to the online trading platform 120.
  • the online transaction platform 120 After receiving the second payment request, the online transaction platform 120 determines the payment result corresponding to the second payment request, and sends the payment result to the online trading platform 110, and the online trading platform 110 sends the payment result to the POS terminal 100 to complete Online transaction payment.
  • the payment information input by the user includes two parts, one part is a user's payment account, such as bank card attribute information, and the other part is a payment password corresponding to the payment account, and the user is at the POS terminal 100.
  • the input may be a physical card swiping process, a card swiping process, or a contact process of an electronic card bound to the mobile terminal.
  • the payment password is a bank card password input by the user on the physical keyboard of the POS terminal 100, and the POS terminal 100 encrypts the payment password according to the first key, and encrypts the payment password.
  • the order information and the payment account generate a first payment request.
  • the first key is sent by the online transaction platform 100 to the POS terminal when the POS terminal 100 registers with the online transaction platform 110, and the POS terminal 100 is specifically registered to be online.
  • the process of trading platform 100 :
  • the POS terminal 100 performs the deployment according to the traditional deployment process, that is, the POS terminal 100 is deployed in each merchant; the network parameter configuration of the POS terminal 100 and the parameter configuration of the merchant information are completed on the online transaction platform 110; and the POS is completed through the online transaction platform 110.
  • the association between the terminal 100 and the merchant information, that is, each merchant can be associated with one POS terminal 100, or can be associated with multiple POS terminals 100, and the relationship between the POS terminal 100 and the merchant is one-to-one correspondence;
  • the merchant side completes the initialization of the POS terminal 100.
  • the POS terminal 100 initiates a check-in request to the online transaction platform 110. After the online transaction platform 110 verifies the POS terminal 100, the system automatically calls the encryption machine to randomly generate the work keys PIK and MAK of the POS terminal 100, and saves the PIK and the MAK in the background, and returns the PIK.
  • the POS terminal 100 receives the physical terminal PIK returned from the online transaction platform 110 and deposits it into the password keyboard. That is, the first key is the PIK returned by the online trading platform 110 to the POS terminal 100.
  • the POS terminal 100 After the user inputs the payment password, the POS terminal 100 encrypts the payment password through the PIK, and the encryption process by the POS terminal 100 is more secure than the online transaction of the existing mobile terminal, further ensuring the security of the online transaction.
  • the POS terminal 100 after performing encryption, the POS terminal 100 generates a first payment request by using the encrypted payment password, the order information, and the payment account, and sends the first payment request to the online transaction platform 110.
  • the POS terminal 100 can support online transactions as well as offline transactions. Therefore, when the POS terminal 100 interacts with the online transaction platform 110, it is required to determine that the first payment request is online.
  • the transaction request is also an offline transaction request.
  • the POS terminal 100 determines an online transaction identifier corresponding to the order information according to the order information; for example, in the embodiment of the present invention, the transaction identifier corresponding to the online order corresponds to the offline order.
  • the transaction identifier is different.
  • the transaction identifier is 1 for online transactions, and the transaction identifier is 0 for offline transactions.
  • the POS terminal 100 has a corresponding transmission interface with the online transaction platform 110, and the online transaction platform 110 and the online transaction platform 120 are connected through a first transaction interface, and the POS terminal 100 After obtaining the order information, determining the online transaction identifier 1 corresponding to the order information, the POS terminal adds the online transaction identifier 1 to the first payment request, and sends the online transaction identifier 110 to the online transaction platform 110 through the transmission interface, and the online transaction platform 110 is After receiving the first payment request, parsing the online transaction identifier 1 in the first request, determining that the first payment request corresponds to an online transaction, and transmitting the generated second payment request to the POS terminal through the first transaction interface. Corresponding online trading platform 120.
  • the POS terminal 100 has two transmission interfaces with the online transaction platform 100, one interface processes online transactions, one interface processes offline transactions, and the interface for processing offline transactions is Second transaction interface;
  • the POS terminal 100 determines the online transaction identifier corresponding to the order information according to the order information; that is, the POS terminal 100 determines that the first payment request is an online payment request, and then the POS terminal 100 sends the online transaction platform 110 to the online transaction platform 110 through the second transaction interface.
  • the online transaction platform 110 determines that the payment request received through the second transaction interface is an online payment request, and the online transaction platform 110 sends the second payment request to the online transaction platform 120 through the first transaction interface.
  • the online transaction platform 110 further includes an encryption machine, where the encryption machine has a public key of the first key, and the online transaction platform 110 first uses the public key pair after receiving the first payment request.
  • the encrypted payment information is decrypted, and optionally, after decryption, the order information, the payment account, and the payment password are obtained;
  • the online transaction platform 110 needs to perform trans-encryption on the parsed content, so that the online transaction platform 120 can decrypt, so in the embodiment of the present invention, the online transaction platform 110 invokes the encryption machine to re-encrypt the order information, the payment account, and the payment password. .
  • the online transaction platform 120 since the online transaction platform 120 has a corresponding relationship with the POS terminal 100, the POS terminal 100 has a corresponding relationship with the merchant, so the certificate information of the merchant is used to perform the order information, the payment account, and the payment password. Re-encrypt.
  • the merchant's certificate information is issued and saved by the online trading platform 110 when the POS terminal is placed on the merchant side.
  • the online trading platform 110 stores four merchants.
  • the certificate information, the correspondence between the POS terminal 100 and the online transaction platform is saved, and the correspondence between the four POS terminals 100 and the four merchants is also saved; after the online transaction platform 110 obtains the first payment request sent by a, If it is determined that the merchant corresponding to a is A, the certificate information corresponding to A is obtained, and the certificate information is used as the second key to encrypt the order information and the decrypted payment information.
  • the online transaction platform 110 generates a second payment request after encryption, and sends the second payment request to the online transaction platform 120 corresponding to the POS terminal 100.
  • the online transaction platform 110 sends the first payment request to the acquiring platform 130.
  • the acquiring platform 130 determines the payment result for the first payment request, and transmits the payment result to the online trading platform 110, and the online trading platform 110 transmits the payment result to the POS terminal 100.
  • the POS terminal is placed in a restaurant, and the POS terminal has been registered with the online trading platform.
  • the first key PIK is saved in the physical keyboard of the POS terminal, and the binding relationship between the restaurant and the POS terminal is also saved in the online trading platform, and the catering online ordering APP can be run on the POS terminal.
  • the specific process is shown in FIG. 4 . Shown.
  • Step 401 The user places an order on the catering online ordering APP of the POS terminal, and generates order information;
  • Step 402 The POS terminal accepts the user to swipe the card to obtain a payment account, and inputs a password on the physical keyboard of the POS terminal to obtain a payment password.
  • Step 403 The POS terminal determines an online transaction identifier corresponding to the order information according to the order information, and the POS terminal encrypts the payment password by using the PIK, and the POS terminal generates the order information, the payment account, the encrypted payment password, and the online transaction identifier. a payment request;
  • Step 404 The POS terminal sends the first payment request to the online transaction platform.
  • Step 405 After obtaining the first payment request, the online transaction platform determines that the first payment request is an online transaction request according to the online transaction identifier, and decrypts the first payment request by using the public key to obtain a payment password.
  • Step 406 The online transaction platform determines the merchant information corresponding to the POS terminal, and determines the certificate information corresponding to the merchant information, and encrypts the second payment request by using the certificate information, where the second payment request includes the order information and the decrypted payment information;
  • Step 407 The online transaction platform sends the second payment request to the online trading platform corresponding to the POS terminal through the first transaction interface;
  • Step 408 The online trading platform determines the payment result according to the second payment request.
  • Step 409 The online trading platform sends the payment result to the online trading platform through the first transaction interface
  • Step 410 The online trading platform sends the payment result to the POS terminal.
  • the embodiment of the present invention further provides a payment device, which is applied to a POS terminal, as shown in FIG. 5, and includes:
  • the obtaining unit 501 is configured to obtain payment information input by the user for the order information of the online transaction;
  • the encryption unit 502 is configured to encrypt the payment information.
  • a first transceiver unit 503 configured to send a first payment request to the online transaction platform, the first payment request carrying the order information and the encrypted payment information; receiving a payment result sent by the online trading platform, the payment The result is a processing result of the second payment request sent by the online trading platform corresponding to the online trading platform of the POS terminal, and the second payment request is determined by the online trading platform according to the first payment request.
  • the payment information includes a payment account and a payment password
  • the encryption unit 502 is specifically configured to:
  • the POS terminal encrypts the payment password by using a first key, where the first key is sent by the online transaction platform to the POS terminal when the POS terminal registers with the online transaction platform;
  • the first transceiver unit 503 is specifically configured to:
  • the POS terminal obtains the first payment request according to the order information, the payment account, and the encrypted payment password, and sends the first payment request to the online trading platform.
  • first transceiver unit 503 is specifically configured to:
  • the request is sent to the online trading platform corresponding to the POS terminal through the first transaction interface, where the first transaction interface is a connection interface between the online trading platform corresponding to the POS terminal and the online trading platform.
  • first transceiver unit 503 is specifically configured to:
  • the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform;
  • the transaction platform, the first transaction interface is a connection interface between the online transaction platform corresponding to the POS terminal and the online transaction platform.
  • the order information of the online transaction is acquired according to an online transaction client of the POS terminal, or is acquired from another terminal.
  • the present invention also provides a payment device, which is applied to an online transaction platform, as shown in FIG. 6, and includes:
  • the second transceiver unit 601 is configured to receive a first payment request sent by the POS terminal, where the first payment request carries the order information of the online transaction and the encrypted payment information; and sends the encrypted second payment request to The online trading platform corresponding to the POS terminal;
  • a decryption unit 602 configured to decrypt the encrypted payment information
  • the trans-encryption unit 603 is configured to encrypt the second payment request by using the second key, where the second payment request includes the order information and the decrypted payment information.
  • the first payment request carries the order information, the encrypted payment information, and an online transaction identifier
  • the second transceiver unit 601 is specifically configured to:
  • the interface corresponding to the online transaction identifier is a first transaction interface, where the first transaction interface is a connection interface between the online transaction platform corresponding to the POS terminal and the online transaction platform;
  • the second transceiver unit 601 is specifically configured to:
  • the second transaction interface Receiving, by the second transaction interface, a first payment request sent by the POS terminal; the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform; and the second payment request is passed
  • the first transaction interface is sent to the online transaction platform corresponding to the POS terminal, and the first transaction interface is a connection interface between the online transaction platform corresponding to the POS terminal and the online transaction platform.
  • the invention also provides a payment method, as shown in FIG. 7, comprising:
  • Step 701 The sales terminal POS terminal acquires payment information input by the user for the order information of the online transaction;
  • Step 702 The POS terminal encrypts the payment information, and sends a first payment request to the online transaction platform, where the first payment request carries the order information and the encrypted payment information;
  • Step 703 the POS terminal receives the payment result sent by the online transaction platform, and the payment result is a processing result of the second payment request sent by the online transaction platform corresponding to the online transaction platform of the POS terminal.
  • the second payment request is determined by the online transaction platform according to the first payment request.
  • the payment information includes a payment account and a payment password
  • the POS terminal encrypts the payment information and sends a first payment request to the online transaction platform, including:
  • the POS terminal encrypts the payment password by using a first key, where the first key is sent by the online transaction platform to the POS terminal when the POS terminal registers with the online transaction platform;
  • the POS terminal obtains the first payment request according to the order information, the payment account, and the encrypted payment password, and sends the first payment request to the online trading platform.
  • the POS terminal sends a first payment request to the online transaction platform, including:
  • the second payment request is sent to the online trading platform corresponding to the POS terminal by using the first transaction interface, and the first transaction interface is a connection interface between the online trading platform corresponding to the POS terminal and the online trading platform.
  • the POS terminal sends a first payment request to the online transaction platform, including:
  • the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform;
  • the first transaction interface is a connection interface between the online trading platform corresponding to the POS terminal and the online trading platform.
  • the order information of the online transaction is acquired according to an online transaction client of the POS terminal, or is acquired from another terminal.
  • the invention also provides a payment method, as shown in FIG. 8, comprising:
  • Step 801 The online transaction platform receives a first payment request sent by the POS terminal, where the first payment request carries the order information of the online transaction and the encrypted payment information.
  • Step 802 The online transaction platform decrypts the encrypted payment information.
  • Step 803 the online transaction platform acquires online merchant information corresponding to the POS terminal, and acquires a second key corresponding to the merchant information;
  • Step 804 The online transaction platform encrypts the second payment request by using the second key, where the second payment request includes the order information and the decrypted payment information;
  • Step 805 The online transaction platform sends the encrypted second payment request to an online trading platform corresponding to the POS terminal.
  • the first payment request carries the order information, the encrypted payment information, and an online transaction identifier
  • the online transaction platform sends the encrypted second payment request to the online trading platform corresponding to the POS terminal, including:
  • the online transaction platform Determining, by the online transaction platform, that the interface corresponding to the online transaction identifier is a first transaction interface, where the first transaction interface is an online transaction platform corresponding to the POS terminal and the online transaction platform Connection interface
  • the online transaction platform sends the second payment request to the online trading platform corresponding to the POS terminal through the first transaction interface.
  • the online transaction platform receives the first payment request sent by the POS terminal, and includes:
  • the online transaction platform Receiving, by the online transaction platform, a first payment request sent by the POS terminal by using a second transaction interface;
  • the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform;
  • the online transaction platform sends the encrypted second payment request to the online trading platform corresponding to the POS terminal, including:
  • the online transaction platform sends the second payment request to the online trading platform corresponding to the POS terminal through the first transaction interface, where the first transaction interface is an online trading platform corresponding to the POS terminal and the The connection interface of the online trading platform.
  • the present invention further provides a POS terminal, as shown in FIG. 9, including a processor 901, a memory 902, a transceiver 903, and a bus interface 904, wherein the processor 901, the memory 902, and the transceiver 903 pass through Bus interface 904 is connected;
  • the transceiver 903 is configured to obtain payment information input by a user for order information of an online transaction
  • the processor 901 is configured to encrypt the payment information, and send a first payment request to the online transaction platform, where the first payment request carries the order information and the encrypted payment information;
  • the transceiver 903 is configured to receive a payment result sent by the online transaction platform, where the payment result is a processing result of a second payment request sent by the online transaction platform corresponding to the online transaction platform of the POS terminal, The second payment request is determined by the online transaction platform according to the first payment request;
  • the memory 902 is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the bus interface 904 is configured to provide an interface.
  • the processor 901 is specifically configured to:
  • the payment information includes a payment account and a payment password
  • the first payment request is obtained according to the order information, the payment account, and the encrypted payment password, and sent to the online trading platform.
  • the processor 901 is specifically configured to:
  • the request is sent to the online trading platform corresponding to the POS terminal through the first transaction interface, where the first transaction interface is a connection interface between the online trading platform corresponding to the POS terminal and the online trading platform.
  • the processor 901 is specifically configured to:
  • the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform;
  • the transaction platform, the first transaction interface is a connection interface between the online transaction platform corresponding to the POS terminal and the online transaction platform.
  • the order information of the online transaction is obtained according to an online transaction client of the POS terminal, or is obtained from another terminal.
  • the present invention further provides an online transaction platform, as shown in FIG. 10, including a processor 1001, a memory 1002, a transceiver 1003, and a bus interface 1004, wherein between the processor 1001, the memory 1002, and the transceiver 1003. Connected via bus interface 1004;
  • the transceiver 1003 is configured to receive a first payment request sent by the POS terminal, where the first payment request carries order information of the online transaction and the encrypted payment information;
  • the processor 1001 is configured to decrypt the encrypted payment information.
  • the transceiver 1003 acquires online merchant information corresponding to the POS terminal, and acquires a second key corresponding to the merchant information;
  • the processor 1001 encrypts the second payment request by using the second key, where the second payment request includes the order information and the decrypted payment information;
  • the transceiver 1003 sends the encrypted second payment request to an online transaction platform corresponding to the POS terminal;
  • the memory 1002 is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the bus interface 1004 is configured to provide an interface.
  • the first payment request carries the order information, the encrypted payment information, and an online transaction identifier
  • the transceiver 1003 is specifically configured to:
  • the interface corresponding to the online transaction identifier is a first transaction interface, where the first transaction interface is a connection interface between the online transaction platform corresponding to the POS terminal and the online transaction platform;
  • the transceiver 1003 is specifically configured to:
  • the second transaction interface is an online transaction channel between the POS terminal and the online transaction platform;
  • the transceiver 1003 is specifically configured to:
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

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Abstract

本发明提供一种支付方法及装置，包括：销售终端POS终端针对线上交易的订单信息，获取用户输入的支付信息；所述POS终端对所述支付信息进行加密，并向联机交易平台发送第一支付请求，所述第一支付请求携带所述订单信息以及加密后的支付信息；所述POS终端接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的。采用本发明实施例的方法，能够扩展POS终端的业务范围，扩展了线上交易的支付渠道，使得线上交易也能够通过刷卡/挥卡的方式完成。

Description

一种支付方法及装置
本申请要求在2017年7月27日提交中国专利局、申请号为201710625548.9、发明名称为“一种支付方法及装置”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
本发明涉及支付技术领域，尤其涉及一种支付方法及装置。
背景技术
POS机是一种多功能终端，把它安装在信用卡的特约商户和受理网点中与计算机联成网络，就能实现电子资金自动转帐，它具有支持消费、预授权、余额查询和转帐等功能，使用起来安全、快捷、可靠。POS机是通过读卡器读取银行卡上的持卡人磁条信息，由POS操作人员输入交易金额，持卡人输入个人识别信息(即密码)，POS把这些信息通过银联中心，上送发卡银行系统，完成联机交易，给出成功与否的信息，并打印相应的票据。
随着移动支付的兴起，国内各个互联网公司及商业银行都在推动移动支付和线上支付。但是由于现有技术中POS终端主要是通过读取消费者所持卡的账户信息，连同消费金额以及商户信息等发送给金融收单平台，由金融收单平台实现对消费者的扣费处理，从而实现刷卡消费。传统的POS终端支持线上交易的功能并不友好，导致线上交易并不能通过POS终端完成。
发明内容
本发明提供一种支付方法及装置，用于解决现有技术中POS终端支持线上交易的功能并不友好，导致线上交易并不能通过POS终端完成的问题。
第一方面，本发明实施例提供一种支付方法，包括：销售终端POS终端针对线上交易的订单信息，获取用户输入的支付信息；
所述POS终端对所述支付信息进行加密，并向联机交易平台发送第一支付请求，所述第一支付请求携带所述订单信息以及加密后的支付信息；
所述POS终端接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的。
本发明实施例中，POS终端能够针对线上交易的订单信息，获取支付请求并生成第一支付请求，通过与POS终端连接的联机交易平台，将第一支付请求发送到与POS终端对应的线上交易平台，并接收线上交易平台对于第一支付请求的支付结果。采用本发明实施例的方法，能够扩展POS终端的业务范围，扩展了线上交易的支付渠道，使得线上交易也能够通过刷卡/挥卡的方式完成。
进一步地，所述支付信息包括支付账户以及支付密码；
所述POS终端对所述支付信息进行加密，并向联机交易平台发送第一支付请求，包括：
所述POS终端使用第一密钥对所述支付密码进行加密，所述第一密钥是所述POS终端在注册到联机交易平台时所述联机交易平台发送给所述POS终端的；
所述POS终端根据所述订单信息、所述支付账户以及加密后的支付密码得到所述第一支付请求并发送至所述联机交易平台。
本发明实施例中，由于使用POS终端的第一密钥对用户输入的密码进行加密，保证了POS终端在线上交易支付过程中的密码安全。
进一步地，所述POS终端向联机交易平台发送第一支付请求，包括：
所述POS终端根据所述订单信息确定所述订单信息对应的线上交易标识；
所述POS终端向所述联机交易平台发送所述第一支付请求，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
本发明实施例中，POS终端发送给联机交易平台的报文中包括线上交易标识，线上交易标识是POS终端获取到订单信息后POS终端确定的，POS终端将线上交易标识发送给连接交易平台，以使联机交易平台能够根据线上交易标识确定本次支付请求是线上支付请求，并将支付请求通过线上交易接口发送给线上交易平台。
进一步地，所述POS终端向联机交易平台发送第一支付请求，包括：
所述POS终端根据所述订单信息确定所述订单信息对应的第二交易接口；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
所述POS终端通过所述第二交易接口向所述联机交易平台发送所述第一支付请求，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
本发明实施例中，POS终端在获取到订单信息后，确定订单信息为线上订单信息，则将支付请求通过线上交易接口发送给联机交易平台，以使联机交易平台在通过线上交易接口获取到支付请求后，确定该支付请求是线上交易。
进一步地，所述线上交易的订单信息是根据所述POS终端的线上交易客户端获取的，或者是从其它终端获取的。
本发明实施例中，POS终端上可以直接运行线上APP，也可以是其它终 端上的线上APP进行线上购物，然后在POS终端上进行刷卡支付。
第二方面，本发明实施例还提供一种支付方法，包括：
联机交易平台接收POS终端发送的第一支付请求，所述第一支付请求携带线上交易的订单信息和加密后的支付信息；
所述联机交易平台对所述加密后的支付信息进行解密；
所述联机交易平台获取所述POS终端对应的线上商户信息，并获取所述商户信息对应的第二密钥；
所述联机交易平台使用所述第二密钥对所述第二支付请求进行加密，所述第二支付请求包括所述订单信息和解密后的所述支付信息；
所述联机交易平台将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台。
本发明实施例中，联机交易平台在接收到POS终端发送的第一支付请求后，确定第一支付请求是线上交易，由于POS终端与线上交易平台的加密方法不同，联机交易平台进行转加密，保证了支付请求的安全性。
进一步地，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识；
所述联机交易平台将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台，包括：
所述联机交易平台根据所述交易标识确定所述线上交易标识对应的接口为第一交易接口，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口；
所述联机交易平台将所述第二支付请求通过所述第一交易接口发送给所述POS终端对应的线上交易平台。
本发明实施例中，联机交易平台在接收到第一支付请求后，根据第一支 付请求中的线上交易标识确定本次支付请求为线上交易请求，然后通过与线上交易平台对应的接口将第二支付请求发送给线上交易平台。
进一步地，所述联机交易平台接收POS终端发送的第一支付请求，包括：
所述联机交易平台通过第二交易接口接收所述POS终端发送的第一支付请求；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
所述联机交易平台将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台，包括：
所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
本发明实施例中，联机交易平台通过特定接口接收到第一支付请求，联机交易平台确定该支付请求为线上交易请求，然后通过与线上交易平台对应的接口将第二支付请求发送给线上交易平台。
第三方面，本发明提供一种支付装置，应用于POS终端，包括：
获取单元，用于针对线上交易的订单信息，获取用户输入的支付信息；
加密单元，用于对所述支付信息进行加密；
第一收发单元，用于向联机交易平台发送第一支付请求，所述第一支付请求携带所述订单信息以及加密后的支付信息；接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的。
本发明实施例中，针对线上交易的订单信息，获取支付请求并生成第一支付请求，通过与POS终端连接的联机交易平台，将第一支付请求发送到与POS终端对应的线上交易平台，并接收线上交易平台对于第一支付请求的支 付结果。采用本发明实施例的方法，能够扩展POS终端的业务范围，扩展了线上交易的支付渠道，使得线上交易也能够通过刷卡/挥卡的方式完成。
进一步地，所述支付信息包括支付账户以及支付密码；
所述加密单元具体用于：
所述POS终端使用第一密钥对所述支付密码进行加密，所述第一密钥是所述POS终端在注册到联机交易平台时所述联机交易平台发送给所述POS终端的；
所述第一收发单元具体用于：
所述POS终端根据所述订单信息、所述支付账户以及加密后的支付密码得到所述第一支付请求并发送至所述联机交易平台。
进一步地，所述第一收发单元具体用于：
根据所述订单信息确定所述订单信息对应的线上交易标识；
向所述联机交易平台发送所述第一支付请求，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
进一步地，所述第一收发单元具体用于：
根据所述订单信息确定所述订单信息对应的第二交易接口；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
通过所述第二交易接口向所述联机交易平台发送所述第一支付请求，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
进一步地，所述线上交易的订单信息是根据所述POS终端的线上交易客户端获取的，或者是从其它终端获取的。
第四方面，本发明还提供一种支付装置，包括：
第二收发单元，用于接收POS终端发送的第一支付请求，所述第一支付请求携带线上交易的订单信息和加密后的支付信息；将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台；
解密单元，用于对所述加密后的支付信息进行解密；
转加密单元，用于使用所述第二密钥对所述第二支付请求进行加密，所述第二支付请求包括所述订单信息和解密后的所述支付信息。
本发明实施例中，在接收到POS终端发送的第一支付请求后，确定第一支付请求是线上交易，由于POS终端与线上交易平台的加密方法不同，进行转加密，保证了支付请求的安全性。
进一步地，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识；
所述第二收发单元具体用于：
根据所述交易标识确定所述线上交易标识对应的接口为第一交易接口，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口；
将所述第二支付请求通过所述第一交易接口发送给所述POS终端对应的线上交易平台。
进一步地，所述第二收发单元具体用于：
通过第二交易接口接收所述POS终端发送的第一支付请求；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所 述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
第五方面，本发明实施例提供一种POS终端，包括：处理器、存储器、收发机、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
所述收发机，用于针对线上交易的订单信息，获取用户输入的支付信息；
所述处理器，用于对所述支付信息进行加密，并向联机交易平台发送第一支付请求，所述第一支付请求携带所述订单信息以及加密后的支付信息；
所述收发机，用于接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的。
所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述总线接口，用于提供接口。
第六方面，本发明实施例提供一种联机交易平台，包括：处理器、存储器、收发机、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
所述收发机接收POS终端发送的第一支付请求，所述第一支付请求携带线上交易的订单信息和加密后的支付信息；
所述处理器对所述加密后的支付信息进行解密；
所述收发机获取所述POS终端对应的线上商户信息，并获取所述商户信息对应的第二密钥；
所述处理器使用所述第二密钥对所述第二支付请求进行加密，所述第二支付请求包括所述订单信息和解密后的所述支付信息；
所述收发机将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台；
所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在 执行操作时所使用的数据；
所述总线接口，用于提供接口。
第七方面，本发明实施例提供一种非暂态计算机可读存储介质，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行上述第一方面和第二方面中任一实施例所述支付方法。
第八方面，本发明实施例提供一种计算机程序产品，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行上述第一方面和第二方面中任一实施例所述支付方法。
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要介绍，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，对于本领域的普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本发明实施例提供的一种支付系统的结构示意图；
图2为本发明实施例提供的第一交易接口的示意图；
图3为本发明实施例提供的第二交易接口的示意图；
图4为本发明实施例提供的一种支付方法的流程示意图；
图5为本发明实施例提供的一种支付装置的结构示意图；
图6为本发明实施例提供的另一种支付装置的结构示意图；
图7为本发明实施例提供的一种支付方法的流程示意图；
图8为本发明实施例提供的另一种支付方法的流程示意图；
图9为本发明实施例提供的一种POS终端的结构示意图；
图10为本发明实施例提供的一种联机交易平台的结构示意图。
具体实施方式
为了使本发明的目的、技术方案和优点更加清楚，下面将结合附图对本发明作进一步地详细描述，显然，所描述的实施例仅仅是本发明一部份实施例，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它实施例，都属于本发明保护的范围。
本发明提供一种支付系统，如图1所述，包括POS终端100，联机交易平台110，线上交易平台120以及收单平台130。
联机交易平台110与POS终端100连接，联机交易平台110分别与线上交易平台120以及收单平台130连接；POS终端100用于接收线上订单以及线下订单，并接收用户进行刷卡输密，根据订单信息、刷卡信息生成支付请求，并将支付请求发送给联机交易平台110；联机交易平台110确定支付请求是属于线上交易还是线下交易，针对线上交易，将支付请求转加密后发送给线上交易平台，针对线下交易，将支付请求转发给收单平台；线上交易平台120用于完成线上交易，收单平台130用于完成线下交易，线上交易平台120与POS终端100有对应关系，例如POS终端100对应的支付厂商不同，可以对应不同的线上交易平台120。
在本发明实施例中，POS终端100接收到的线上交易的订单信息可以来自于POS终端100上的线上应用程序，也可以来自于其它终端；例如，在本发明实施例中，POS终端100上有线上APP，用户在POS终端100上的线上APP进行购物后，生成订单信息，或者用户在其它终端的线上APP进行购物后，线上APP与POS终端100有绑定关系，当用户下单成功后，POS终端100能够获取到订单信息。
在POS终端100获取到线上交易的订单信息后，获取用户输入的支付信息，并对支付信息进行加密，将加密后的支付信息以及订单信息发送给联机交易平台110。
可选的，在本发明实施例中，用户输入的支付信息可以包括用户的指纹信息、或者包括在POS终端100的实体键盘上输入的支付密码信息。
例如，在本发明实施例中，若用户输入的支付信息包括用户的指纹信息，即POS终端100上有指纹识别装置，用户在进行支付时，按照预设的指纹信息进行录入，完成支付；或者，POS终端100上有实体键盘，用户在进行支付时输入密码。
在本发明实施例中，POS终端将订单信息以及加密后的支付信息生成第一支付请求发送给联机交易平台110，由于POS终端100的加密系统与线上交易平台120的加密系统不同，所以联机交易平台110需要将第一支付请求进行解密，并重新加密生成第二支付请求发送给线上交易平台120。
线上交易平台120在接收到第二支付请求后，确定第二支付请求对应的支付结果，并将支付结果发送给联机交易平台110，联机交易平台110将支付结果发送给POS终端100，以完成线上交易支付。
可选的，在本发明实施例中，用户输入的支付信息包括两个部分，一部分是用户的支付账户，例如银行卡属性信息等，另一部分是支付账户对应的支付密码，用户在POS终端100进行输入可以是实体卡的刷卡、挥卡过程，也可以是绑定在移动终端上的电子卡的接触过程。
可选的，在本发明实施例中，支付密码为用户在POS终端100的实体键盘上输入的银行卡密码，POS终端100根据第一密钥对支付密码进行加密，并将加密后的支付密码、订单信息、支付账户生成第一支付请求。
可选的，在本发明实施例中，第一密钥是所述POS终端100在注册到联机交易平台110时联机交易平台100发送给所述POS终端的，下面具体介绍POS终端100注册到联机交易平台100的过程：
POS终端100按照传统布放流程进行布放，即在各个商户布放POS终端100；在联机交易平台110完成POS终端100的入网参数配置，以及商户信息的参数配置；通过联机交易平台110完成POS终端100与商户信息的关联，即每个商户可以与一个POS终端100进行关联，也可以与多个POS终端100进行关联，且POS终端100与商户之间的关联关系是一一对应的；在商户侧完成POS终端100的初始化。
POS终端100向联机交易平台110发起签到请求，联机交易平台110系统验证POS终端100后调用加密机随机生成POS终端100的工作密钥PIK和MAK，并将PIK和MAK保存在后台，将PIK返回POS终端100；POS终端100接收从联机交易平台110返回的实体终端PIK，存入密码键盘。也就是说，第一密钥就是联机交易平台110返回给POS终端100的PIK。
在用户输入支付密码后，POS终端100通过PIK对支付密码进行加密，与现有的移动终端线上交易相比，由POS终端100的加密过程更加安全，进一步保证了线上交易的安全性。
可选的，在本发明实施例中，POS终端100在进行加密后，将加密后的支付密码、订单信息、支付账户生成第一支付请求，并将第一支付请求发送给联机交易平台110。
可选的，在本发明实施例中，POS终端100既可以支持线上交易，也可以支持线下交易，所以POS终端100与联机交易平台110进行交互时，需要确定第一支付请求是线上交易请求还是线下交易请求。
可选的，在本发明实施例中，POS终端100根据订单信息确定了订单信息对应的线上交易标识；例如，在本发明实施例中，线上订单对应的交易标识与线下订单对应的交易标识不同，可选的，交易标识位为1为线上交易，交易标识位为0为线下交易。
如图2所示，在本发明实施例中，POS终端100与联机交易平台110有对应的一个传输接口，联机交易平台110与线上交易平台120之间通过第一交易接口连接，POS终端100在获取到订单信息后，确定订单信息对应的线上交易标识1，POS终端将线上交易标识1加入到第一支付请求中，通过该传输接口发送给联机交易平台110，联机交易平台110在接收到第一支付请求后，解析第一请求中的线上交易标识1，就可以确定第一支付请求对应为线上交易，再通过第一交易接口将生成的第二支付请求发送给POS终端对应的线上交易平台120。
或者，如图3所示，在本发明实施例中，POS终端100与联机交易平台 100有两个传输接口，一个接口处理线上交易，一个接口处理线下交易，处理线下交易的接口为第二交易接口；
POS终端100根据订单信息确定了订单信息对应的线上交易标识；即POS终端100确定了第一支付请求为线上支付请求，然后POS终端100通过第二交易接口发送给联机交易平台110，而联机交易平台110通过第二交易接口接收到的支付请求都确定为线上支付请求，则联机交易平台110通过第一交易接口将第二支付请求发送给线上交易平台120。
可选的，在本发明实施例中，联机交易平台110还包括加密机，加密机中有第一密钥的公钥，联机交易平台110在接收到第一支付请求后，首先利用公钥对加密后的支付信息进行解密，可选的，解密后得到订单信息、支付账户以及支付密码；
联机交易平台110需要对解析出的内容进行转加密，以便线上交易平台120能够解密，所以在本发明实施例中，联机交易平台110调用加密机对订单信息、支付账户以及支付密码进行重新加密。
可选的，在本发明实施例中，由于线上交易平台120与POS终端100有对应关系，POS终端100与商户有对应关系，所以使用商户的证书信息对订单信息、支付账户以及支付密码进行重新加密。而商户的证书信息是POS终端在布放在商户侧时，联机交易平台110下发并保存的。
例如，在本发明实施例中，存在A、B、C、D四个商户，每个商户布放了a、b、c、d四个POS终端100，联机交易平台110保存了四个商户对应的证书信息、保存了POS终端100与线上交易平台的对应关系，也保存了四个POS终端100与四个商户的对应关系；联机交易平台110在获取到a发送的第一支付请求后，确定a对应的商户为A，则获取A对应的证书信息，并将证书信息作为第二密钥对订单信息和解密后的所述支付信息进行加密。联机交易平台110在加密后生成第二支付请求，并将第二支付请求发送给POS终端100对应的线上交易平台120。
可选的，在本发明实施例中，若POS终端100接收到的是线下订单，即 根据订单信息对应的标志位为0，则联机交易平台110将第一支付请求发送给收单平台130，收单平台130针对第一支付请求确定支付结果，并将支付结果发送给联机交易平台110，联机交易平台110将支付结果发送给POS终端100。
为了更好的解释本发明实施例，下面通过具体的实施场景描述本发明实施例提供的一种支付方法的流程，POS终端布放在一个餐饮店中，POS终端已经向联机交易平台注册过，并将第一密钥PIK保存在POS终端的实体键盘中，餐饮店与POS终端的绑定关系也保存在联机交易平台中，POS终端上可以运行餐饮在线点单APP，具体的流程如图4所示。
步骤401，用户在POS终端的餐饮在线点单APP上下单，生成订单信息；
步骤402，POS终端接受用户刷卡获得支付账户，并在POS终端的实体键盘上输入密码，得到支付密码；
步骤403，POS终端根据订单信息确定了订单信息对应的线上交易标识，POS终端利用PIK对支付密码进行加密，POS终端将订单信息、支付账户、加密后的支付密码以及线上交易标识生成第一支付请求；
步骤404，POS终端将第一支付请求发送给联机交易平台；
步骤405，联机交易平台获取到第一支付请求后，根据线上交易标识确定第一支付请求为线上交易请求，利用公钥对第一支付请求进行解密，得到支付密码；
步骤406，联机交易平台确定POS终端对应的商户信息，并确定商户信息对应的证书信息，利用证书信息对第二支付请求进行加密，第二支付请求包括订单信息和解密后的所述支付信息；
步骤407，联机交易平台将第二支付请求通过第一交易接口发送给POS终端对应的线上交易平台；
步骤408，线上交易平台根据第二支付请求确定支付结果；
步骤409，线上交易平台将支付结果通过第一交易接口发送给联机交易平台；
步骤410，联机交易平台将支付结果发送给POS终端。
基于同样的构思，本发明实施例还提供支付装置，应用于POS终端，如图5所示，包括：
获取单元501，用于针对线上交易的订单信息，获取用户输入的支付信息；
加密单元502，用于对所述支付信息进行加密；
第一收发单元503，用于向联机交易平台发送第一支付请求，所述第一支付请求携带所述订单信息以及加密后的支付信息；接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的。
进一步地，所述支付信息包括支付账户以及支付密码；
所述加密单元502具体用于：
所述POS终端使用第一密钥对所述支付密码进行加密，所述第一密钥是所述POS终端在注册到联机交易平台时所述联机交易平台发送给所述POS终端的；
所述第一收发单元503具体用于：
所述POS终端根据所述订单信息、所述支付账户以及加密后的支付密码得到所述第一支付请求并发送至所述联机交易平台。
进一步地，所述第一收发单元503具体用于：
根据所述订单信息确定所述订单信息对应的线上交易标识；
向所述联机交易平台发送所述第一支付请求，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
进一步地，所述第一收发单元503具体用于：
根据所述订单信息确定所述订单信息对应的第二交易接口；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
通过所述第二交易接口向所述联机交易平台发送所述第一支付请求，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
进一步地，所述线上交易的订单信息是根据所述POS终端的线上交易客户端获取的，或者是从其它终端获取的。
本发明还提供一种支付装置，应用于联机交易平台，如图6所示，包括：
第二收发单元601，用于接收POS终端发送的第一支付请求，所述第一支付请求携带线上交易的订单信息和加密后的支付信息；将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台；
解密单元602，用于对所述加密后的支付信息进行解密；
转加密单元603，用于使用所述第二密钥对所述第二支付请求进行加密，所述第二支付请求包括所述订单信息和解密后的所述支付信息。
进一步地，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识；
所述第二收发单元601具体用于：
根据所述交易标识确定所述线上交易标识对应的接口为第一交易接口，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口；
将所述第二支付请求通过所述第一交易接口发送给所述POS终端对应的线上交易平台。
进一步地，所述第二收发单元601具体用于：
通过第二交易接口接收所述POS终端发送的第一支付请求；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
本发明还提供一种支付方法，如图7所示，包括：
步骤701，销售终端POS终端针对线上交易的订单信息，获取用户输入的支付信息；
步骤702，所述POS终端对所述支付信息进行加密，并向联机交易平台发送第一支付请求，所述第一支付请求携带所述订单信息以及加密后的支付信息；
步骤703，所述POS终端接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的。
进一步地，所述支付信息包括支付账户以及支付密码；
所述POS终端对所述支付信息进行加密，并向联机交易平台发送第一支付请求，包括：
所述POS终端使用第一密钥对所述支付密码进行加密，所述第一密钥是所述POS终端在注册到联机交易平台时所述联机交易平台发送给所述POS终端的；
所述POS终端根据所述订单信息、所述支付账户以及加密后的支付密码得到所述第一支付请求并发送至所述联机交易平台。
进一步地，所述POS终端向联机交易平台发送第一支付请求，包括：
所述POS终端根据所述订单信息确定所述订单信息对应的线上交易标 识；
所述POS终端向所述联机交易平台发送所述第一支付请求，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
进一步地，所述POS终端向联机交易平台发送第一支付请求，包括：
所述POS终端根据所述订单信息确定所述订单信息对应的第二交易接口；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
所述POS终端通过所述第二交易接口向所述联机交易平台发送所述第一支付请求，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
进一步地，所述线上交易的订单信息是根据所述POS终端的线上交易客户端获取的，或者是从其它终端获取的。
本发明还提供一种支付方法，如图8所示，包括：
步骤801，联机交易平台接收POS终端发送的第一支付请求，所述第一支付请求携带线上交易的订单信息和加密后的支付信息；
步骤802，所述联机交易平台对所述加密后的支付信息进行解密；
步骤803，所述联机交易平台获取所述POS终端对应的线上商户信息，并获取所述商户信息对应的第二密钥；
步骤804，所述联机交易平台使用所述第二密钥对所述第二支付请求进行加密，所述第二支付请求包括所述订单信息和解密后的所述支付信息；
步骤805，所述联机交易平台将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台。
进一步地，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识；
所述联机交易平台将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台，包括：
所述联机交易平台根据所述交易标识确定所述线上交易标识对应的接口为第一交易接口，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口；
所述联机交易平台将所述第二支付请求通过所述第一交易接口发送给所述POS终端对应的线上交易平台。
进一步地，所述联机交易平台接收POS终端发送的第一支付请求，包括：
所述联机交易平台通过第二交易接口接收所述POS终端发送的第一支付请求；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
所述联机交易平台将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台，包括：
所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
基于相同的构思，本发明还提供一种POS终端，如图9所示，包括处理器901、存储器902、收发机903、总线接口904，其中处理器901、存储器902与收发机903之间通过总线接口904连接；
所述收发机903，用于针对线上交易的订单信息，获取用户输入的支付信息；
所述处理器901，用于对所述支付信息进行加密，并向联机交易平台发送第一支付请求，所述第一支付请求携带所述订单信息以及加密后的支付信息；
所述收发机903，用于接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的；
所述存储器902，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述总线接口904，用于提供接口。
可选的，所述处理器901具体用于：
所述支付信息包括支付账户以及支付密码；
使用第一密钥对所述支付密码进行加密，所述第一密钥是所述POS终端在注册到联机交易平台时所述联机交易平台发送给所述POS终端的；
根据所述订单信息、所述支付账户以及加密后的支付密码得到所述第一支付请求并发送至所述联机交易平台。
可选的，所述处理器901具体用于：
根据所述订单信息确定所述订单信息对应的线上交易标识；
向所述联机交易平台发送所述第一支付请求，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
可选的，所述处理器901具体用于：
根据所述订单信息确定所述订单信息对应的第二交易接口；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
通过所述第二交易接口向所述联机交易平台发送所述第一支付请求，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
可选的，所述线上交易的订单信息是根据所述POS终端的线上交易客户端获取的，或者是从其它终端获取的。
基于相同的构思，本发明还提供一种联机交易平台，如图10所示，包括处理器1001、存储器1002、收发机1003、总线接口1004，其中处理器1001、存储器1002与收发机1003之间通过总线接口1004连接；
所述收发机1003，用于接收POS终端发送的第一支付请求，所述第一支付请求携带线上交易的订单信息和加密后的支付信息；
所述处理器1001，用于对所述加密后的支付信息进行解密；
所述收发机1003获取所述POS终端对应的线上商户信息，并获取所述商户信息对应的第二密钥；
所述处理器1001使用所述第二密钥对所述第二支付请求进行加密，所述第二支付请求包括所述订单信息和解密后的所述支付信息；
所述收发机1003将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台；
所述存储器1002，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述总线接口1004，用于提供接口。
可选地，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识；
所述收发机1003具体用于：
根据所述交易标识确定所述线上交易标识对应的接口为第一交易接口，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台 的连接接口；
将所述第二支付请求通过所述第一交易接口发送给所述POS终端对应的线上交易平台。
可选地，所述收发机1003具体用于：
通过第二交易接口接收所述POS终端发送的第一支付请求；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
可选地，所述收发机1003具体用于：
将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图 一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本发明的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。
显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包含这些改动和变型在内。

Claims (20)

  1. 一种支付方法，其特征在于，包括：
    销售终端POS终端针对线上交易的订单信息，获取用户输入的支付信息；
    所述POS终端对所述支付信息进行加密，并向联机交易平台发送第一支付请求，所述第一支付请求携带所述订单信息以及加密后的支付信息；
    所述POS终端接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的。
  2. 根据权利要求1所述的方法，其特征在于，所述支付信息包括支付账户以及支付密码；
    所述POS终端对所述支付信息进行加密，并向联机交易平台发送第一支付请求，包括：
    所述POS终端使用第一密钥对所述支付密码进行加密，所述第一密钥是所述POS终端在注册到联机交易平台时所述联机交易平台发送给所述POS终端的；
    所述POS终端根据所述订单信息、所述支付账户以及加密后的支付密码得到所述第一支付请求并发送至所述联机交易平台。
  3. 根据权利要求1所述的方法，其特征在于，所述POS终端向联机交易平台发送第一支付请求，包括：
    所述POS终端根据所述订单信息确定所述订单信息对应的线上交易标识；
    所述POS终端向所述联机交易平台发送所述第一支付请求，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识，以使所述 联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
  4. 根据权利要求1所述的方法，其特征在于，所述POS终端向联机交易平台发送第一支付请求，包括：
    所述POS终端根据所述订单信息确定所述订单信息对应的第二交易接口；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
    所述POS终端通过所述第二交易接口向所述联机交易平台发送所述第一支付请求，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
  5. 根据权利要求1至4任一项所述的方法，其特征在于，所述线上交易的订单信息是根据所述POS终端的线上交易客户端获取的，或者是从其它终端获取的。
  6. 一种支付方法，其特征在于，所述方法包括：
    联机交易平台接收POS终端发送的第一支付请求，所述第一支付请求携带线上交易的订单信息和加密后的支付信息；
    所述联机交易平台对所述加密后的支付信息进行解密；
    所述联机交易平台获取所述POS终端对应的线上商户信息，并获取所述商户信息对应的第二密钥；
    所述联机交易平台使用所述第二密钥对所述第二支付请求进行加密，所述第二支付请求包括所述订单信息和解密后的所述支付信息；
    所述联机交易平台将所述加密后的第二支付请求发送给所述POS终端对 应的线上交易平台。
  7. 根据权利要求6所述的方法，其特征在于，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识；
    所述联机交易平台将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台，包括：
    所述联机交易平台根据所述交易标识确定所述线上交易标识对应的接口为第一交易接口，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口；
    所述联机交易平台将所述第二支付请求通过所述第一交易接口发送给所述POS终端对应的线上交易平台。
  8. 根据权利要求6所述的方法，其特征在于，所述联机交易平台接收POS终端发送的第一支付请求，包括：
    所述联机交易平台通过第二交易接口接收所述POS终端发送的第一支付请求；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
    所述联机交易平台将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台，包括：
    所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
  9. 一种支付装置，应用于POS终端，其特征在于，包括：
    获取单元，用于针对线上交易的订单信息，获取用户输入的支付信息；
    加密单元，用于对所述支付信息进行加密；
    第一收发单元，用于向联机交易平台发送第一支付请求，所述第一支付 请求携带所述订单信息以及加密后的支付信息；接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的。
  10. 根据权利要求9所述的装置，其特征在于，所述支付信息包括支付账户以及支付密码；
    所述加密单元具体用于：
    所述POS终端使用第一密钥对所述支付密码进行加密，所述第一密钥是所述POS终端在注册到联机交易平台时所述联机交易平台发送给所述POS终端的；
    所述第一收发单元具体用于：
    所述POS终端根据所述订单信息、所述支付账户以及加密后的支付密码得到所述第一支付请求并发送至所述联机交易平台。
  11. 根据权利要求9所述的装置，其特征在于，所述第一收发单元具体用于：
    根据所述订单信息确定所述订单信息对应的线上交易标识；
    向所述联机交易平台发送所述第一支付请求，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
  12. 根据权利要求9所述的装置，其特征在于，所述第一收发单元具体用于：
    根据所述订单信息确定所述订单信息对应的第二交易接口；所述第二交 易接口为所述POS终端与所述联机交易平台之间的线上交易通道；
    通过所述第二交易接口向所述联机交易平台发送所述第一支付请求，以使所述联机交易平台将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
  13. 根据权利要求9至12任一项所述的装置，其特征在于，所述线上交易的订单信息是根据所述POS终端的线上交易客户端获取的，或者是从其它终端获取的。
  14. 一种支付装置，应用于联机交易平台，其特征在于，包括：
    第二收发单元，用于接收POS终端发送的第一支付请求，所述第一支付请求携带线上交易的订单信息和加密后的支付信息；将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台；
    解密单元，用于对所述加密后的支付信息进行解密；
    转加密单元，用于使用所述第二密钥对所述第二支付请求进行加密，所述第二支付请求包括所述订单信息和解密后的所述支付信息。
  15. 根据权利要求14所述的装置，其特征在于，所述第一支付请求携带所述订单信息、加密后的支付信息以及线上交易标识；
    所述第二收发单元具体用于：
    根据所述交易标识确定所述线上交易标识对应的接口为第一交易接口，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口；
    将所述第二支付请求通过所述第一交易接口发送给所述POS终端对应的线上交易平台。
  16. 根据权利要求14所述的装置，其特征在于，所述第二收发单元具体 用于：
    通过第二交易接口接收所述POS终端发送的第一支付请求；所述第二交易接口为所述POS终端与所述联机交易平台之间的线上交易通道；将所述第二支付请求通过第一交易接口发送给所述POS终端对应的线上交易平台，所述第一交易接口为所述POS终端对应的线上交易平台与所述联机交易平台的连接接口。
  17. 一种POS终端，其特征在于，包括处理器、存储器、收发机、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
    所述收发机，用于针对线上交易的订单信息，获取用户输入的支付信息；
    所述处理器，用于对所述支付信息进行加密，并向联机交易平台发送第一支付请求，所述第一支付请求携带所述订单信息以及加密后的支付信息；
    所述收发机，用于接收所述联机交易平台发送的支付结果，所述支付结果是所述POS终端对应的线上交易平台对所述联机交易平台发送的第二支付请求的处理结果，所述第二支付请求是所述联机交易平台根据所述第一支付请求确定的；
    所述存储器，用于存储一个或多个可执行程序，存储所述处理器在执行操作时所使用的数据；
    所述总线接口，用于提供接口。
  18. 一种联机交易平台，其特征在于，包括处理器、存储器、收发机、总线接口，其中处理器、存储器与收发机之间通过总线接口连接；
    所述收发机接收POS终端发送的第一支付请求，所述第一支付请求携带线上交易的订单信息和加密后的支付信息；
    所述处理器对所述加密后的支付信息进行解密；
    所述收发机获取所述POS终端对应的线上商户信息，并获取所述商户信息对应的第二密钥；
    所述处理器使用所述第二密钥对所述第二支付请求进行加密，所述第二 支付请求包括所述订单信息和解密后的所述支付信息；
    所述收发机将所述加密后的第二支付请求发送给所述POS终端对应的线上交易平台；
    所述存储器，用于存储一个或多个可执行程序，存储所述处理器在执行操作时所使用的数据；
    所述总线接口，用于提供接口。
  19. 一种非暂态计算机可读存储介质，其特征在于，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行权利要求1～5任一所述方法或权利要求6～8任一所述方法。
  20. 一种计算机程序产品，其特征在于，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行权利要求1～5任一所述方法或权利要求6～8任一所述方法。
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