WO2020133028A1

WO2020133028A1 - Electronic payment transaction system and method

Info

Publication number: WO2020133028A1
Application number: PCT/CN2018/124173
Authority: WO
Inventors: 熊友军; 梁晓发
Original assignee: 深圳市优必选科技有限公司
Priority date: 2018-12-27
Filing date: 2018-12-27
Publication date: 2020-07-02

Abstract

An electronic payment transaction system and method. The payment system is used for sending bill collection information to a management system, so that the management system sends the bill collection information to a bill collection system; the payment system is also used for modifying the state of a message in a payment message confirmation table from a first payment state to a second payment state after the bill collection information is successfully sent to the management system (S602); the bill collection system sending bill collection confirmation information to the management system after a bill collection operation is successfully executed, and modifying the state of a message in a bill collection message confirmation table from a first bill collection state to a second bill collection state after the bill collection confirmation information is sent to the management system (S604); and the management system is used for sending the bill collection confirmation information to the payment system, so that the payment system modifies the second payment state in the payment message confirmation table to a third payment state according to the bill collection confirmation information (S606). By means of the method, the consistency of data of both a payee and a payer is guaranteed to a certain extent.

Description

Electronic payment transaction system and method

Technical field

The invention relates to the technical field of electronic payment, in particular to an electronic payment transaction system and method.

Background technique

With the continuous development of Alipay and WeChat transfer services, electronic payment has been known to most people. Compared with paper payment, electronic payment is more secure, that is, there is no possibility of losing paper money, and at the same time, electronic payment is also convenient and fast, without requiring the user to take a wallet and place paper money. However, electronic payment is different from paper transactions. Electronic payment is a business system of one party to pay, and then the corresponding business system of the other party increases the corresponding amount of money.

technical problem

Normally, after a business system pays, the corresponding business system that receives the money can receive the money. However, due to the downtime of the receiving business system or too many messages of the receiving business system, due to certain circumstances, some messages cannot be processed, and the receiving business system may not receive the corresponding amount of money, resulting in inconsistent data between the two parties. .

Technical solution

Based on this, it is necessary to propose an electronic payment transaction system and method to ensure that the data on both sides of the business are consistent for the above problems.

An electronic payment transaction system, the system includes:

Payment system, management system and collection system;

The payment system is used to perform a deduction operation corresponding to the payment request when the payment request is received, and after successful execution of the deduction operation, send payment information to the management system so that the management system The payment information is sent to the corresponding payment system; the payment system is also used to send the payment information to the management system, the payment status corresponding to the payment request in the payment message confirmation table is paid by the first payment The status is changed to the second payment status;

The collection system is also used to perform a collection operation corresponding to the collection information according to the collection information, and after the collection operation is successfully performed, the payment collection message confirmation table corresponding to the collection information The payment collection status is changed from the first payment collection status to the second payment collection status, and confirmation payment information is sent to the management system;

The management system is used to send the confirmed payment information to the payment system, so that the payment system according to the confirmed payment information, the second in the payment message confirmation table corresponding to the payment request The payment status is modified to the third payment status.

An electronic payment transaction method, the method includes:

The payment system executes the deduction operation corresponding to the payment request when receiving the payment request, and after the deduction operation is successfully executed, sends the collection information to the management system, so that the management system sends the collection information to The corresponding payment system, after sending the payment information to the management system, modify the payment state corresponding to the payment request in the payment message confirmation table from the first payment state to the second payment state;

The collection system executes a collection operation corresponding to the collection information according to the collection information, and after the collection operation is successfully performed, the collection status of the collection message corresponding to the collection information in the collection message confirmation table Modify the first collection status to the second collection status, and send confirmation payment information to the management system;

The management system sends the confirmation payment information to the payment system, so that the payment system sends the second payment status corresponding to the payment request in the payment message confirmation table according to the confirmation payment information Change to the third payment status.

Beneficial effect

The present invention proposes an electronic payment transaction system and method. Generally, after the payment system deducts the payment, the collection system may be down. Even if it is possible to do its best to notify, the corresponding collection operation may not be performed, resulting in One party deducted the payment, the other party did not receive the payment, or the collection system performed the collection operation, but did not notify the payment system, resulting in the payment system thinking that the collection system did not receive the payment, and correspondingly canceled the deduction, thus The data of the payment system and the collection system are inconsistent. The embodiments of the present invention include a payment system, a management system, and a collection system. The payment system and the collection system do not have a direct network connection. By setting the management system, the management system can better manage the income and expenditure at the same time. The management system collects the messages sent by the payment system, and then forwards the messages to the collection system, which greatly reduces the business pressure on both sides of the income and expenditure system, thus ensuring the data consistency between the two parties to a certain extent. Specifically, After the payment collection system confirms the payment and revises the payment status, it will send the confirmation payment information to the management system, and then the management system will feed back the confirmation payment information of the payment system to the payment system, so that the payment system can send according to the management system. Confirm the payment information to modify the payment status in the message confirmation table, confirm that the collection system has performed the collection operation, and ensure that the data of both parties is consistent, and because the collection system will also confirm the payment message after receiving the payment The payment status is modified in the table, even if it fails to feed back the confirmation payment information to the management system due to a downtime at a certain time, after the system is restored, the confirmation payment information can also be fed back to the management system to inform the management system To the payment system, so as to ensure that the data of both the receipt and payment are consistent. Correspondingly, the payment system continues to send the receipt information to the beneficiary because it has not received the confirmed receipt information. The beneficiary receives duplicate receipt information but due to the detection The payment status has changed and no payment operation is performed, that is, even if the payer sends a duplicate message, it can ensure that the data of the two parties are consistent by checking the payment message confirmation table, or, because the payment system is down, the management system receives the payment The request was not successfully sent to the collection system. Correspondingly, the payment system confirmed that the payment status in the payment message confirmation table has not changed, and continues to send payment information to the management system until the payment status in the payment message confirmation table changes and confirms The collection system performs the collection operation to ensure that the data on both sides are consistent.

BRIEF DESCRIPTION

In order to more clearly explain the embodiments of the present invention or the technical solutions in the prior art, the following will briefly introduce the drawings required in the embodiments or the description of the prior art. Obviously, the drawings in the following description are only These are some embodiments of the present invention. For those of ordinary skill in the art, without paying any creative labor, other drawings can be obtained based on these drawings.

among them:

FIG. 1 is a schematic diagram of an electronic payment transaction system in an embodiment;

2 is a schematic diagram of an electronic payment transaction system in an embodiment;

3 is a schematic diagram of an electronic payment transaction system in an embodiment;

4 is a schematic diagram of an electronic payment transaction system in an embodiment;

5 is a schematic diagram of an electronic payment transaction system in an embodiment;

6 is a schematic diagram of an implementation process of an electronic payment transaction method in an embodiment;

7 is a schematic diagram of an implementation process of an electronic payment transaction method in an embodiment.

Embodiments of the invention

The technical solutions in the embodiments of the present invention will be described clearly and completely in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without making creative efforts fall within the protection scope of the present invention.

As shown in FIG. 1, in one embodiment, an electronic payment transaction system is provided. The electronic payment transaction system specifically includes:

Payment system, management system and collection system;

Optionally, the payment system is provided on a payment server, the management system is provided on a management server, and the payment collection system is provided on a collection server, as shown in FIG. 2; optionally, the payment system and the payment server The management system is set on the payment server, the payment system is set on the payment server, as shown in FIG. 3; optionally, the payment system is set on the payment server, and the management system and the payment system are set on Payment server, as shown in FIG. 4; optionally, the payment system, management system and payment system are all set on the same server.

Both the payment system and the collection system can be a bank system. For example, the payment system is the system of Bank A, and the collection system is the system of Bank B, or both the payment system and the collection system are the same bank's system. One of the payment system and the collection system is an application system that can store money, and the other is a bank system. For example, the application that can store money is a WeChat application, and the payment system is a WeChat application system. The system is the bank's system, or the payment system is the bank's system, and the collection system is the WeChat application system. The payment system and the collection system are the same application system capable of storing money, for example, both the payment system and the collection system are WeChat application systems.

The management system is used to manage the messages on both sides of the revenue and expenditure system. Specifically, the management system may be a middleware that processes messages, such as RocketMQ. The management system is mainly used to manage messages such as forwarding. It can be designed in the form of a message queue. When a large amount of payment information of the payment system is sent to the management system, the management system forwards it in an orderly manner. The management system can be connected to multiple payment systems and/or collection systems at the same time.

The payment request is used to instruct the payment system to complete the deduction operation. Specifically, the content of the payment request may include, but is not limited to, the deduction system (for example, bank name), the deduction account number (for example, bank card number), deduction Payment amount, deductor's name, collection account number (for example, bank card number), collection system (for example, bank name), payee name and transaction number (uniquely identifies a transaction).

The collection information is used to instruct the collection system to complete the collection operation. Specifically, the content of the collection information may include, but is not limited to, the deduction system, the deduction account number, the name of the deductor, the amount of the collection, the collection Payment account number, payee name and transaction number.

The payment message confirmation table records electronic payment transactions, and the payment message confirmation table records the contents of multiple electronic payment transactions. Specifically, for each electronic payment transaction, the content of the payment message confirmation table May include but not limited to deduction system, deduction account number, deduction amount, deductor name, collection account number, collection system, payee name, transaction number, creation time of the electronic payment transaction (deduction completed Time), the completion time and payment status of the electronic payment transaction.

The payment message confirmation table records electronic payment transactions. The payment message confirmation table records the contents of multiple electronic payment transactions. Specifically, for each electronic payment transaction, the payment message confirmation table The recorded content can include, but is not limited to, the deduction system, deduction account number, deduction amount, deductor name, collection account number, collection system, payee name, transaction number, creation time of the electronic payment transaction, The creation time of the electronic payment transaction (the time when the payment message was received), the completion time of the electronic payment transaction (the time when the payment was completed), and the payment status.

The first payment status is used to indicate the status of the deduction but has not been notified to the management system; the second payment status is used to indicate the status of the completion of the deduction and the payment information has been sent to the management system; The third payment status is used to instruct the payment system to complete the deduction and the collection system has also completed the collection.

The first collection status indicates that the collection information has been received, a corresponding electronic payment transaction record is created in the collection message confirmation table, but the collection status has not yet been received; the second collection status indicates that the collection has been completed Section status.

An example is given below to better explain the electronic payment transaction system according to the embodiment of the present invention. For example, as shown in Figure 5, user A wants to transfer money to bank B of user B through the bank card of bank A, so user A enters the transfer information through the transfer interface of the transfer application of bank A, and the user enters the transfer information and After clicking the virtual button to confirm the transfer in the transfer interface, the payment request is generated, so the system of Bank A obtains the payment request and executes the deduction operation corresponding to the payment request. For example, the deduction operation corresponding to the payment request can be Including: querying whether user A's transfer card number is enough for 1000 yuan, if it is enough, then subtract 1000 yuan from the account of user A's transfer card number, and at the same time, the system of bank A will correspond to the payment request in the payment message confirmation table The payment status is set to unsent (if it is less than 1,000 yuan, you can prompt the user "Your bank card balance is insufficient, the transfer fails"), and then the system of Bank A sends the payment information to the management system, and sends the payment to the management system. After the payment information, the system of Bank A changes the payment status corresponding to the payment request in the payment message confirmation form from the unsent state to the sent state. After receiving the payment information sent by the Bank A system, the management system checks the payment The collection system in the information determines to send the collection information to the system of Bank B. After receiving the collection information, the system of Bank B performs the collection operation corresponding to the collection information, for example, the collection operation may be : According to the payment information, set the payment status corresponding to the payment information to the unreceived status in the payment message confirmation table, and transfer the bank card number (that is, transfer information) to the user B according to the transfer amount in the payment information In the payment card number in ), add 1000 yuan, and after the payment operation is successfully performed, modify the payment status corresponding to the payment information in the payment message confirmation table from the unreceived status to the received status, and Send the confirmation payment information to the management system to inform the management system B that the user's bank card number has been successfully increased by 1,000 yuan through the confirmation payment information. The management system will confirm the receipt after receiving the confirmation payment information sent by the system of Bank B The payment information is sent to Bank A’s system to inform Bank A’s system that the transfer was successful. After receiving the confirmation payment information sent by the management system, Bank A’s system will send the payment message confirmation form to all The deducted payment status corresponding to the payment request is changed to the transaction completion status.

In the above electronic payment transaction system, under normal circumstances, after the payment system deducts the payment, the collection system may be down. Even if the best possible notification may be made, the corresponding collection operation may not be performed, resulting in one party deducting the payment and the other party No payment is received, or the payment system performs the payment operation, but the payment system is not notified, resulting in the payment system thinking that the payment system has not received the payment, and correspondingly canceled the deduction, resulting in the payment system and the payment system The data is inconsistent. The embodiments of the present invention include a payment system, a management system, and a collection system. The payment system and the collection system do not have a direct network connection. By setting the management system, the management system can better manage the income and expenditure at the same time. The management system collects the messages sent by the payment system, and then forwards the messages to the collection system, which greatly reduces the business pressure on both sides of the income and expenditure system, thus ensuring the data consistency between the two parties to a certain extent. Specifically, After the payment collection system confirms the payment and revises the payment status, it will send the confirmation payment information to the management system, and then the management system will feed back the confirmation payment information of the payment system to the payment system, so that the payment system can send according to the management system. Confirm the payment information to modify the payment status in the message confirmation table, confirm that the collection system has performed the collection operation, and ensure that the data of both parties is consistent, and because the collection system will also confirm the payment message after receiving the payment The payment status is modified in the table, even if it fails to feed back the confirmation payment information to the management system due to a downtime at a certain time, after the system is restored, the confirmation payment information can also be fed back to the management system to inform the management system To the payment system, so as to ensure that the data of both the receipt and payment are consistent. Correspondingly, the payment system continues to send the receipt information to the beneficiary because it has not received the confirmed receipt information. The beneficiary receives duplicate receipt information but due to the detection The payment status has changed and no payment operation is performed, that is, even if the payer sends a duplicate message, it can ensure that the data of the two parties are consistent by checking the payment message confirmation table, or, because the payment system is down, the management system receives the payment The request was not successfully sent to the collection system. Correspondingly, the payment system confirmed that the payment status in the payment message confirmation table has not changed, and continues to send payment information to the management system until the payment status in the payment message confirmation table changes and confirms The collection system performs the collection operation to ensure that the data on both sides are consistent.

In one of the embodiments, the payment system is further configured to: if the payment status corresponding to the payment request in the payment message confirmation table within the first preset time is the first payment status or the second payment status, then Continue to send the collection information to the management system, so that the management system sends the collection information to the collection system.

In one of the embodiments, the collection information includes a transaction number, and the collection system is also used to determine whether a plurality of collection information is the same collection information according to the transaction number, if it is the same collection information, then according to Perform a corresponding operation in the collection state corresponding to the collection information in the collection message confirmation table, and the corresponding operation includes: if the collection state is the second collection state, send a confirmation to the management system Collection information; if the collection status is the first collection status, the collection operation corresponding to the collection information is executed, and after the collection operation is successfully performed, the collection message confirmation table and the collection information The corresponding payment collection status is modified from the first payment collection status to the second payment collection status, and confirmation payment information is sent to the management system.

In one of the embodiments, the payment system is further configured to: if the payment status corresponding to the payment request in the payment message confirmation table in the second preset time is the first payment status or the second payment status, then Generate a rebate request according to the payment request to offset the deduction through the rebate request, and modify the payment state corresponding to the payment request to a fourth payment state.

In one of the embodiments, the payment system is further configured to: if the payment status corresponding to the payment request in the payment message confirmation table in the second preset time is the first payment status or the second payment status, then Generate a payment cancellation message according to the payment request, and send the payment cancellation message to the management system; the management system is also used to send the payment cancellation message to the payment system to notify the The collection system does not perform the collection operation corresponding to the collection information.

In one of the embodiments, the payment system is also used to send preparation information to the management system when a payment request is received; the management system is also used to send answer information to the payment system based on the preparation information, In order for the payment system to perform the deduction operation corresponding to the payment request according to the answer information.

As shown in FIG. 6, in one embodiment, an electronic payment transaction method is provided. The electronic payment transaction method specifically includes the following steps:

Step 602, the payment system performs a deduction operation corresponding to the payment request when receiving the payment request, and after successful execution of the deduction operation, sends payment information to the management system so that the management system will collect the payment The information is sent to the corresponding payment collection system, and after the payment collection information is sent to the management system, the payment status corresponding to the payment request in the payment message confirmation table is modified from the first payment status to the second payment status.

Step 604: The payment collection system performs a collection operation corresponding to the collection information according to the collection information. After the collection operation is successfully performed, the payment collection message confirmation table corresponds to the collection information The payment collection status is changed from the first payment collection status to the second payment collection status, and the payment confirmation information is sent to the management system.

Step 606: The management system sends the confirmed payment information to the payment system, so that the payment system sends the second payment message confirmation table corresponding to the payment request in the payment message confirmation table according to the confirmed payment information. The second payment status is changed to the third payment status.

In the above electronic payment transaction method, under normal circumstances, after the payment system deducts the payment, the collection system may be down. Even if the best possible notification may be made, the corresponding collection operation may not be performed, resulting in one party deducting the payment and the other party No payment is received, or the payment system performs the payment operation, but the payment system is not notified, resulting in the payment system thinking that the payment system has not received the payment, and correspondingly canceled the deduction, resulting in the payment system and the payment system The data is inconsistent. The embodiments of the present invention include a payment system, a management system, and a collection system. The payment system and the collection system do not have a direct network connection. By setting the management system, the management system can better manage the income and expenditure at the same time. The management system collects the messages sent by the payment system, and then forwards the messages to the collection system, which greatly reduces the business pressure on both sides of the income and expenditure system, thus ensuring the data consistency between the two parties to a certain extent. Specifically, After the payment collection system confirms the payment and revises the payment status, it will send the confirmation payment information to the management system, and then the management system will feed back the confirmation payment information of the payment system to the payment system, so that the payment system can send according to the management system. Confirm the payment information to modify the payment status in the message confirmation table, confirm that the collection system has performed the collection operation, and ensure that the data of both parties is consistent, and because the collection system will also confirm the payment message after receiving the payment The payment status is modified in the table, even if it fails to feed back the confirmation payment information to the management system due to a downtime at a certain time, after the system is restored, the confirmation payment information can also be fed back to the management system to inform the management system To the payment system, so as to ensure that the data of both the receipt and payment are consistent. Correspondingly, the payment system continues to send the receipt information to the beneficiary because it has not received the confirmed receipt information. The beneficiary receives duplicate receipt information but due to the detection The payment status has changed and no payment operation is performed, that is, even if the payer sends a duplicate message, it can ensure that the data of the two parties are consistent by checking the payment message confirmation table, or, because the payment system is down, the management system receives the payment The request was not successfully sent to the collection system. Correspondingly, the payment system confirmed that the payment status in the payment message confirmation table has not changed, and continues to send payment information to the management system until the payment status in the payment message confirmation table changes and confirms The collection system performs the collection operation to ensure that the data on both sides are consistent.

In the embodiment of the present invention, as shown in FIG. 7, the method further includes:

Step 708: If the payment status corresponding to the payment request in the payment message confirmation table is the first payment status or the second payment status within the first preset time, the payment system continues to send to the management system The payment information, so that the management system sends the payment information to the payment system.

The payment system will periodically check the payment status in the payment message confirmation table. If the payment status of the electronic payment transaction in the payment message confirmation table is detected within the first preset time, the payment status has always been the first payment status or the second payment status , It indicates that although the payment system has deducted the payment, the collection system has not yet received the corresponding payment, so it continues to send the collection information corresponding to the electronic payment transaction to the management system, prompting the collection system to perform the collection operation to ensure the collection The data of both parties are consistent.

For the case where the payment status is the first payment status: after the payment system is successfully deducted, due to some reasons, such as the collapse of the management system, the payment information sent to the management system has not been successfully sent, so the payment status remains at The first payment state. Obviously, when the payment system is in the first payment state, the collection system will not receive the collection information, so the payment system needs to continue to send the collection information to the management system, so that the management system will The payment information was sent to the collection system; or, the payment message was successfully sent to the management system, and the management system was also sent to the collection system, but the payment system thought that the payment information was not successfully sent, so the payment status remained at The first payment status.

Here, in order to ensure that the payment system clearly knows that the management system has received the payment information, the management system sends confirmation receipt information to the payment system after receiving the payment information, so that the payment system receives the confirmation receipt sent by the management system After the information, the payment status is modified from the first payment status to the second payment status according to the confirmation reception information.

For the case where the payment status is the second payment status, although the management system successfully receives the payment information sent by the payment system after the deduction is successful, the payment system does not receive the confirmation payment information sent by the management system, that is, payment The system is not clear whether the collection system has completed the collection, so at this time, it is also necessary to continue to send collection information to the management system, so that the collection system feeds back to the management system to confirm the collection after receiving the collection information information.

Further, as shown in FIG. 7, the payment information includes a transaction number, and the payment system continues to send the payment information to the management system, so that the management system sends the payment information to the collection After the payment system, it also includes:

Step 710, the collection system determines whether the multiple collection information is the same collection information according to the transaction number, and if the collection information is the same, the collection information corresponding to the collection information in the collection message confirmation table Perform corresponding operations on the payment status. The corresponding operations include: Step 710A, if the payment status is the second payment status, send confirmation payment information to the management system; Step 710B, if the payment status is In the first collection state, the collection operation corresponding to the collection information is executed. After the collection operation is successfully performed, the collection state corresponding to the collection information in the collection message confirmation table is determined by the first collection The status is changed to the second collection status, and confirmation payment information is sent to the management system.

The transaction number is used to uniquely identify an electronic payment transaction. The transaction number is composed of numbers and/or characters and/or letters. For example, the transaction number is 512789tyu07k-tagw45-0ooo0.

Since the payment system sends the collection information to the management system at least twice, the collection system will receive multiple same collection information. At this time, it is necessary to determine whether the collection system is executed according to the previously received collection information The collection operation includes two cases: 1. The collection system has executed the collection operation according to the previously received payment information, and the collection status is now the second collection status, so it sends a confirmation receipt to the management system Information, in this way, the payment system can know that the payment system has received the payment through the confirmation payment information fed back by the management system. Accordingly, the payment system changes the payment status to the third payment status without sending the payment to the management system. Payment information; 2. The collection system has received the payment information before, but due to some reasons, the payment operation has not been performed, at this time, the payment status is the first payment status, so, according to the payment information, Perform a collection operation corresponding to the collection information, and after the collection operation is successfully performed, modify the collection status corresponding to the collection information in the collection message confirmation table from the first collection status to the second collection Status, sending confirmation payment information to the management system.

As an optional embodiment of the present invention, the method further includes:

If the payment state corresponding to the payment request in the payment message confirmation table within the second preset time is the first payment state or the second payment state, the payment system generates a rebate request according to the payment request, In order to offset the deduction through the repayment request, and modify the payment status corresponding to the payment request to the fourth payment status.

The second preset time may be set to a longer time; the fourth payment state indicates the state of deduction and payment has been received, and the fourth payment state can be known that although the deduction has been made, but For some reason, the other party did not receive the payment, so the deduction was added back to the user.

Here, if the payment system completes the deduction, but due to some reasons, such as the management system (the management system is in a long-term failure, and the payment status is the first payment state at this time), or the payment system (the collection system is long) Is in trouble, and the payment status is the second payment status at this time), the payment operation has not been performed, or the payment operation has been performed, but the payment system has not received the confirmation payment information, so in order not to delay the deduction of the user The use of the funds needs to add the deducted money back to the user, and at the same time modify the payment status corresponding to the payment request to the fourth payment status.

As an optional embodiment of the present invention, in order to prevent the payment collection system from performing payment collection operations or preparing to perform payment collection operations based on previously received payment information when it is modified to the fourth payment state, Before the payment system generates a payment request according to the payment request, the method further includes:

Generating a payment cancellation message according to the payment request, and sending the payment cancellation message to the management system;

The management system sends the collection cancellation message to the collection system to notify the collection system that the collection operation corresponding to the collection information is not to be performed.

The collection cancellation message is used to instruct the collection system not to perform the collection operation according to the collection information, or if the collection system has performed the collection operation, instruct the collection system to recover the increased amount again. The content of the payment cancellation message may include, but is not limited to, a deduction system (for example, bank name), a deduction account number (for example, a bank card number), a deduction amount, a deductor's name, and a collection account number (for example, a bank Card number), collection system (for example, bank name), payee name, transaction number (uniquely identifies a transaction), and message identification (indicating the collection system, if the message is received, stop the collection operation or not receive Operation).

As an optional embodiment of the present invention, in order to ensure that the payment information of the payment system can be sent to the management system normally, the payment system first sends a preparation message to the management system to check whether the management system is currently in a normal state (whether the system is faulty or Too many messages cannot be processed). If the management system replies to the preparation message, it indicates that the management system is currently normal and can send payment information to it. Specifically, when the payment system receives the payment request, the deduction operation corresponding to the payment request is performed, including:

When receiving the payment request, the payment system sends preparation information to the management system;

The management system sends answer information to the payment system according to the preparation information;

The payment system performs a deduction operation corresponding to the payment request according to the answer information.

The preparation message may be composed of numbers and/or characters and/or letters, for example, the preparation message is: zhunbeihaolema-0*0*; the answer message may be composed of numbers and/or characters and/or letters, for example , The preparation message is: zhunbeihaole-0*0*.

Here, after receiving the reply information, the payment system starts to perform the deduction operation corresponding to the payment request.

As an optional embodiment of the present invention, when the payment state in the payment message confirmation table is the third payment state or the fourth payment state, the electronic payment transaction record corresponding to the payment state is deleted to reduce the payment message confirmation table The amount of data.

The electronic payment transaction system and the electronic payment transaction method described in the embodiments of the present invention belong to the same inventive concept, and the content in the electronic payment transaction system and the electronic payment transaction method can be mutually applicable.

The steps described in the method embodiments of the present invention are also not used to indicate the order of execution, just to indicate which specific steps are included in the electronic payment transaction method described in the present invention.

A person of ordinary skill in the art may understand that all or part of the processes in the method of the foregoing embodiments may be completed by instructing relevant hardware through a computer program, and the program may be stored in a non-volatile computer-readable storage medium In this case, when the program is executed, it may include the flow of the above-mentioned method embodiments. Wherein, any reference to the memory, storage, database or other media used in the embodiments provided in this application may include non-volatile and/or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous chain Road (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

The technical features of the above embodiments can be arbitrarily combined. In order to simplify the description, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, they should be It is considered as the scope described in this specification.

The above-mentioned embodiment only expresses several implementation manners of the present application, and its description is more specific and detailed, but it cannot be understood as a limitation of the patent scope of the present application. It should be noted that, for those of ordinary skill in the art, without departing from the concept of the present application, a number of modifications and improvements can also be made, which all fall within the protection scope of the present application. Therefore, the protection scope of the patent of this application shall be subject to the appended claims.

Claims

An electronic payment transaction system, characterized in that the system includes:

Payment system, management system and collection system;

The payment system is used to perform a deduction operation corresponding to the payment request when the payment request is received, and after successful execution of the deduction operation, send payment information to the management system so that the management system The payment information is sent to the corresponding payment system; the payment system is also used to send the payment information to the management system, the payment status corresponding to the payment request in the payment message confirmation table is paid by the first payment The status is changed to the second payment status;

The collection system is also used to perform a collection operation corresponding to the collection information according to the collection information, and after the collection operation is successfully performed, the payment collection message confirmation table corresponding to the collection information The payment collection status is changed from the first payment collection status to the second payment collection status, and confirmation payment information is sent to the management system;

The management system is used to send the confirmed payment information to the payment system, so that the payment system according to the confirmed payment information, the second in the payment message confirmation table corresponding to the payment request The payment status is modified to the third payment status.
The system according to claim 1, wherein the payment system is further used if the payment status corresponding to the payment request in the payment message confirmation table within the first preset time is the first payment status or In the second payment state, the payment information continues to be sent to the management system, so that the management system sends the payment information to the payment system.
The system according to claim 2, wherein the collection information includes a transaction number, and the collection system is further configured to determine whether a plurality of collection information is the same collection information based on the transaction number, if the collection information is the same Receiving information, the corresponding operation is performed according to the receiving status corresponding to the receiving information in the receiving message confirmation table, and the corresponding operation includes: if the receiving status is the second receiving status, then The management system sends confirmation payment information; if the collection status is the first collection status, the collection operation corresponding to the collection information is executed, and after the collection operation is successfully executed, the collection message confirmation table The payment status corresponding to the payment information is changed from the first payment status to the second payment status, and confirmation payment information is sent to the management system.
The system according to claim 2, wherein the payment system is further used if the payment status corresponding to the payment request in the payment message confirmation table in the second preset time is the first payment status or In the second payment state, a rebate request is generated according to the payment request to offset the deduction through the rebate request, and the payment state corresponding to the payment request is modified to a fourth payment state.
The system according to claim 4, wherein the payment system is further used if the payment status corresponding to the payment request in the payment message confirmation table in the second preset time is the first payment status or In the second payment state, a payment cancellation message is generated according to the payment request, and the payment cancellation message is sent to the management system;

The management system is also used to send the collection cancellation message to the collection system to notify the collection system not to perform the collection operation corresponding to the collection information.
The system according to any one of claims 1 to 5, wherein the payment system is further configured to send preparation information to the management system when a payment request is received;

The management system is further configured to send answer information to the payment system according to the preparation information, so that the payment system performs a deduction operation corresponding to the payment request according to the answer information.
An electronic payment transaction method, characterized in that it includes:

The payment system executes the deduction operation corresponding to the payment request when receiving the payment request, and after the deduction operation is successfully executed, sends the collection information to the management system, so that the management system sends the collection information to The corresponding payment system, after sending the payment information to the management system, modify the payment state corresponding to the payment request in the payment message confirmation table from the first payment state to the second payment state;

The collection system executes a collection operation corresponding to the collection information according to the collection information, and after the collection operation is successfully performed, the collection status of the collection message corresponding to the collection information in the collection message confirmation table Modify the first collection status to the second collection status, and send confirmation payment information to the management system;

The management system sends the confirmation payment information to the payment system, so that the payment system sends the second payment status corresponding to the payment request in the payment message confirmation table according to the confirmation payment information Change to the third payment status.
The method of claim 7, wherein the method further comprises:

If the payment status corresponding to the payment request in the payment message confirmation table is the first payment status or the second payment status within the first preset time, the payment system continues to send the payment to the management system Payment information, so that the management system sends the collection information to the collection system.
The method of claim 8, wherein the method further comprises:

If the payment state corresponding to the payment request in the payment message confirmation table in the second preset time is the first payment state or the second payment state, the payment system generates a payment request according to the payment request, In order to offset the deduction through the repayment request, and modify the payment status corresponding to the payment request to the fourth payment status.
The method according to any one of claims 7 to 9, wherein the payment system performs a deduction operation corresponding to the payment request when receiving the payment request, including:

When receiving the payment request, the payment system sends preparation information to the management system;

The management system sends answer information to the payment system according to the preparation information;

The payment system performs a deduction operation corresponding to the payment request according to the answer information.