WO2020134654A1 - Procédé, appareil et système de paiement électronique et support de stockage - Google Patents

Procédé, appareil et système de paiement électronique et support de stockage Download PDF

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Publication number
WO2020134654A1
WO2020134654A1 PCT/CN2019/117272 CN2019117272W WO2020134654A1 WO 2020134654 A1 WO2020134654 A1 WO 2020134654A1 CN 2019117272 W CN2019117272 W CN 2019117272W WO 2020134654 A1 WO2020134654 A1 WO 2020134654A1
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WIPO (PCT)
Prior art keywords
payment
electronic
message
acceptance
institution
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Application number
PCT/CN2019/117272
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English (en)
Chinese (zh)
Inventor
徐志忠
周洋
程志强
陈洁
王鹏飞
王玉龙
王嘉琪
陈辉煌
Original Assignee
中国银联股份有限公司
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Publication of WO2020134654A1 publication Critical patent/WO2020134654A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the invention relates to the technical field of data processing, in particular to an electronic payment method, device, system and storage medium.
  • Electronic payment refers to the use of secure electronic means between consumers, merchants and financial institutions to securely transmit payment information to banks or corresponding processing agencies through the information network for the purpose of realizing currency payments or fund transfers.
  • the existing electronic payment methods mainly include the following two types: One is a third-party quick payment mode.
  • the user enters the user's bank account information in the third-party payment system in advance, that is, the four element information of the bank card: name, ID number, bank card number And mobile phone number, and request a bank card binding contract with the bank payment processing system to enable third-party quick payment, when subsequent users consume payment, only the third-party payment system needs to submit the user's contract number and transaction amount and other information to the The bank payment processing system can request a deduction.
  • the third-party payment system needs to obtain user bank account information, which is easy to cause leakage of user account information.
  • the other is the bank payment client payment mode.
  • each bank provides a cash register for merchants. In the system, merchants need to install payment acceptance systems of different banks on the terminal equipment, which requires more processing resources.
  • Embodiments of the present invention provide an electronic payment method, device, system, and storage medium, to improve the security of electronic payment while reducing the resource overhead of the terminal device of the payment acceptance client.
  • an electronic payment system including:
  • the payment acceptance system is used to send an electronic payment acceptance request message to the transfer platform, the electronic payment acceptance request message carries a payment institution identifier; and to the payment processing according to the jump address returned by the transfer platform
  • the system sends an electronic payment processing message, and the electronic payment processing message carries payment reference information;
  • the transfer platform is used to search for the electronic payment acceptance request message carried in the electronic payment acceptance request message from the correspondence between the stored payment institution identification and the payment processing system jump address after receiving the electronic payment acceptance request message A jump address corresponding to the identification of the payment institution; returning a first response message to the payment acceptance system, the first response message carrying the jump address;
  • the payment processing system is used to complete the electronic payment according to the payment reference information therein after receiving the electronic payment processing message.
  • the payment acceptance system is also used to send a payment institution list query message to the transfer platform before sending an electronic payment acceptance request message to the transfer platform;
  • the transfer platform is also used to return a second response message of the payment institution list query message to the payment processing system, where the second response message carries list information of the payment institution, and the payment institution
  • the list information includes at least the identification of the payment institution.
  • the payment processing system is also used to return a payment result notification message to the transfer platform after completing the electronic payment;
  • the transfer platform is also used to forward the payment result notification message to the payment acceptance system.
  • the payment processing system is specifically configured to verify the identity of the payment user after receiving the electronic payment processing message, determine that the identity verification is passed, and complete the electronic payment after passing the payment authentication according to the payment reference information .
  • the payment acceptance system is specifically configured to call the payment acceptance client and the payment processing system to send an electronic payment processing message according to the jump address returned by the transfer platform.
  • an electronic payment method including:
  • the method before receiving the electronic payment acceptance request message sent by the payment acceptance system, the method further includes:
  • the electronic payment method provided by the embodiment of the present invention further includes:
  • an electronic payment device including:
  • a receiving unit configured to receive an electronic payment acceptance request message sent by a payment acceptance system, the electronic payment acceptance request message carrying a payment institution identifier;
  • a searching unit configured to search for the jump address corresponding to the payment institution ID carried in the electronic payment acceptance request message from the stored correspondence between the payment institution ID and the jump address of the payment processing system;
  • a response unit configured to send a first response message to the payment acceptance system, the first response message carrying the jump address, and the payment acceptance system to the payment according to the jump address
  • the processing system sends an electronic payment processing message, which carries payment reference information, and the payment processing system completes the electronic payment according to the payment reference information.
  • the receiving unit is further used to receive the payment institution list query message sent by the payment acceptance system before receiving the electronic payment acceptance request message sent by the payment acceptance system;
  • the response unit is further configured to return a second response message to the payment processing system for the payment institution list query message, the second response message carrying payment institution list information, and the payment institution list
  • the information includes at least the identification of the payment institution.
  • the receiving unit is further configured to receive a payment result notification message sent by the payment processing system after completing electronic payment;
  • the response unit is also used to forward the payment result notification message to the payment acceptance system.
  • a computing device including at least one processor and at least one memory, wherein the memory stores a computer program, and when the program is executed by the processor, the processor is caused to execute the above Any step described in the electronic payment method.
  • a computer-readable medium which stores a computer program executable by a computing device, and when the program is run on the computing device, the computing device is caused to perform any step described in the above electronic payment method .
  • the payment acceptance system and the payment processing system are both connected to the transfer platform, and when a user requests payment, the payment acceptance system sends an electronic payment acceptance to the transfer platform Request a message to obtain a jump address for the payment processing system, send a payment processing message to the payment processing system according to the jump address, and the payment processing system completes the electronic payment process.
  • the transfer platform and the payment acceptance system do not need to obtain user account information, which avoids the leakage of user account information and improves the security of electronic payment.
  • the payment acceptance system does not need to install different payment processing system acceptance clients, thereby reducing The resource overhead of the corresponding equipment.
  • FIG. 1 is a schematic structural diagram of an electronic payment system provided by an embodiment of the present invention.
  • FIG. 2 is a schematic diagram of a query process of a payment institution list according to an embodiment of the present invention
  • FIG. 3 is a schematic diagram of an order payment page according to an embodiment of the present invention.
  • FIG. 4 is a schematic diagram of payment institution list information presented to a user according to an embodiment of the present invention.
  • FIG. 5 is a schematic diagram of an interaction process between a payment acceptance system, a transfer platform, and a payment processing system according to an embodiment of the present invention
  • FIG. 6 is a schematic diagram of an identity verification interface according to an embodiment of the present invention.
  • FIG. 7 is a schematic diagram of an order confirmation page according to an embodiment of the present invention.
  • FIG. 8 is a schematic diagram of a payment confirmation authentication page according to an embodiment of the present invention.
  • FIG. 9 is a schematic diagram of an implementation process of an electronic payment method implemented on the side of a transfer platform according to an embodiment of the present invention.
  • FIG. 10 is a schematic structural diagram of an electronic payment device implemented on the transfer platform side according to an embodiment of the present invention.
  • FIG. 11 is a schematic structural diagram of a computing device according to an embodiment of the present invention.
  • embodiments of the present invention provide an electronic payment method, device, and storage medium.
  • the terminal device in the present invention may be a personal computer (English full name: Personal Computer, PC), a tablet computer, a personal digital assistant (Personal Digital Assistant, PDA), and a personal communication service (English full name: Personal Communication) Service , PCS) telephones, notebooks and mobile phones and other terminal devices, or a computer with a mobile terminal, for example, it can be a portable, pocket-sized, handheld, computer built-in or vehicle-mounted mobile device, which can provide voice and/or Or data connectivity devices, and exchange language and/or data with the wireless access network.
  • PC Personal Computer
  • PDA Personal Digital Assistant
  • PCS Personal Communication Service
  • Multiple or several refers to two or more.
  • “And/or” describes the relationship of the related objects, indicating that there can be three relationships, for example, A and/or B, which can indicate: there are three cases of A alone, A and B, and B alone.
  • the character “/” generally indicates that the related object is a "or" relationship.
  • FIG. 1 it is a schematic structural diagram of an electronic payment system provided by an embodiment of the present invention, including a payment acceptance system 101, a transfer platform 102, and a payment processing system 103.
  • the payment acceptance system includes the payment acceptance back-end system, namely the payment acceptance server and the payment acceptance control.
  • the payment acceptance control is integrated into the merchant application client.
  • the payment processing system includes the payment processing background system and the payment processing control.
  • the payment processing control can be integrated into the payment The institution application client, for example, can be integrated in the APP (application client) of each banking institution.
  • the payment acceptance system and payment processing system are connected to the transfer platform.
  • the payment acceptance system and payment processing system are connected to the transfer platform through the access layer.
  • the access method may be but not limited to the following access methods: dedicated line access, public network access.
  • the communication protocol between the transfer platform and the processing system of each institution may be but not limited to the use of TCP (Transmission Control Protocol) and HTTP (HyperTextTransportProtocol, Hypertext Transfer Protocol) and other communication protocols.
  • the message format of the interaction between the payment acceptance system and the payment processing system and the transfer platform can be, but not limited to, XML (EXtensible Markup Language, Extensible Markup Language) format, JSON (JavaScript Object Notation) format, 8583 format, etc.
  • the payment institution stores the account information of the payment user for subsequent electronic payment, including the user's account information (for example, bank card number), ID card number, name, etc.
  • the binding relationship between the account information and the mobile phone number can be bound by the payment institution application client.
  • a payment acceptance system is used to send an electronic payment acceptance request message to a transfer platform, the electronic payment acceptance request message carries a payment institution identifier; and according to the transfer
  • the jump address returned by the platform sends an electronic payment processing message to the payment processing system, and the electronic payment processing message carries payment reference information;
  • the transfer platform is used to search for the electronic payment acceptance request message carried in the electronic payment acceptance request message from the correspondence between the stored payment institution identification and the payment processing system jump address after receiving the electronic payment acceptance request message A jump address corresponding to the identification of the payment institution; returning a first response message to the payment acceptance system, the first response message carrying the jump address;
  • the payment processing system is used to complete the electronic payment according to the payment reference information therein after receiving the electronic payment processing message.
  • the payment processing system is specifically used to call a payment acceptance client according to the jump address returned by the transfer platform.
  • the payment processing system sends an electronic payment processing message; and after receiving the electronic payment processing message To verify the identity of the payment user, and after determining that the identity verification is passed, perform the electronic payment after passing the payment authentication according to the payment reference information.
  • the payment acceptance system is also used to send a payment institution list query message to the transfer platform before sending an electronic payment acceptance request message to the transfer platform;
  • the transfer platform is also used to return a second response message of the payment institution list query message to the payment processing system, where the second response message carries list information of the payment institution, and the payment institution
  • the list information includes at least the identification of the payment institution.
  • the payment processing system is also used to return a payment result notification message to the transfer platform after completing the electronic payment;
  • the transfer platform is also used to forward the payment result notification message to the payment acceptance system.
  • the switching platform may include the following functional modules: a protocol analysis module, an online processing module, a routing strategy module, a message encapsulation module, an information service module, and a configuration management module.
  • a protocol analysis module may analyze the protocol received from the Internet.
  • an online processing module may process the packets from the Internet.
  • a routing strategy module may perform the routing of the message encapsulation of the packets from the Internet.
  • a message encapsulation module may be included in the switching platform.
  • an information service module may include the following functional modules: a protocol analysis module, an online processing module, a routing strategy module, a message encapsulation module, an information service module, and a configuration management module.
  • the main function of the protocol parsing module is to parse the request message and verify the legality of the field format in the message.
  • the following types of messages are mainly involved: a payment institution list query message and its response message, an electronic payment acceptance request message and its response message, a payment result notification message sent by the payment processing system, and The payment result notification message sent by the payment acceptance system, etc.
  • the necessary fields included in the response message of the payment institution list query message include the payment institution list information, and the payment institution list information should include the payment institution identification, and may also include at least one of the following: the name of the payment institution, the icon of the payment institution application client , Marketing information of the payment institution and a brief description of the application client of the payment institution, etc.
  • the necessary fields included in the electronic payment acceptance request message include the identification of the payment institution, and may also include payment reference information.
  • the payment reference information may include, but is not limited to, at least one of the following: payment transaction serial number, payment amount, order information, and so on.
  • the necessary fields included in the response message of the electronic payment acceptance request message include the jump address of the payment institution's processing system, and may also include payment reference information, where the payment reference information may include but is not limited to at least one of the following: payment transaction serial number, Payment amount, order information, etc.
  • the data transmitted between the two can be encrypted.
  • the necessary fields included in the payment result notification message sent by the payment processing system include the payment result, and may also contain payment reference information, where the payment reference information may include but is not limited to at least one of the following: payment transaction serial number, payment amount, order information, etc. .
  • the necessary fields included in the payment result notification message sent to the payment acceptance system include the payment result, and may also contain payment reference information, where the payment reference information may include but is not limited to at least one of the following: payment transaction serial number, payment amount, order information Wait.
  • the present invention also relates to a message that is an electronic payment processing message.
  • the message is sent by the payment control in the payment acceptance system to the payment control in the payment processing system.
  • the electronic payment processing message contains Required fields include payment reference information.
  • the data transmitted between the two can also be encrypted before being transmitted.
  • the online processing module is mainly used to complete the processing flow of the transfer platform part in the electronic payment processing, as follows: the electronic payment acceptance request message obtained by parsing the protocol parsing message is extracted from the payment institution ID, and the online processing module uses payment The institution ID searches the jump address corresponding to the payment institution ID stored in the database, and calls the message encapsulation module to generate a response message and returns it to the payment acceptance system.
  • the online processing module can also be used for the payment institution list query process, as follows: the payment institution list query message obtained by parsing the protocol analysis message to obtain the payment institution list stored in the database that supports the electronic payment method provided by the embodiment of the present invention , Call the message encapsulation module to generate a response message and return it to the payment acceptance system.
  • the routing strategy module is mainly used to establish a communication link between the transfer platform and each payment processing system.
  • the communication link with the corresponding institution processing system is determined according to the payment institution identification corresponding to each payment institution.
  • the message encapsulation module is mainly used to generate the payment institution list query message and its response message, the electronic payment acceptance request message and its response message, and the payment result notification message that interact between the transfer platform and the payment acceptance institution.
  • Configuration management module For each payment processing system (corresponding to each payment processing institution) connected to the transfer platform, a unique payment institution identifier is assigned to it, for example, the length of the institution identifier may be 19 Bits, such as 6250210000000000001, etc., it should be understood that the above-mentioned institutional identification is only for example, and during specific implementation, it can be adjusted according to actual needs.
  • the organization identification assigned to each organization can be stored in the database of the transfer platform by the configuration management module.
  • the transfer platform can also formulate a unified coding rule for each payment processing institution to apply the client's jump address.
  • the jump address can be a jump URL (Uniform Resource Locator), for example, a certain
  • the jump address corresponding to the organization is: 6250211000000000000://appapy.
  • the correspondence between the payment institution identification and the jump address may be stored in the database of the transfer platform.
  • the information service module is used to record the user's usage habits data in electronic payment, for example, used to select the payment institution information when completing electronic payment.
  • the merchant application client is referred to as the first application client
  • the payment institution application client is referred to as the second application client.
  • the payment acceptance control integrated in the first application client, docking the payment acceptance background processing system, and calling the second application client according to the obtained jump address during the electronic payment process may provide an electronic payment entrance , That is, the user initiates an electronic payment request through the payment acceptance control and provides functions such as a list display interface of the payment institution.
  • the payment processing control integrated in the second application client interface with the payment processing system.
  • the main functions include user identity authentication, payment reference information confirmation, payment authentication, and payment deduction.
  • the first application client installed in the user terminal sends an electronic payment request to the payment processing background system.
  • a first application client and a second application client may be installed in the user terminal.
  • the payment acceptance control is installed in the first application client
  • the payment processing control is installed in the second application client.
  • the user selects order payment on the order payment page of the first application client as shown in FIG. 3, and triggers the first application client to call the payment acceptance control to send an electronic payment request to the payment acceptance back-end system.
  • the payment acceptance background system sends a payment institution list query message to the transfer platform.
  • the transfer platform returns a response message to the payment acceptance background system.
  • the message after the transfer platform receives the payment institution list query message, the message first reaches the protocol parsing module, which is analyzed by the protocol parsing module and provided to the online processing module.
  • the online processing module obtains the configuration management module from the database
  • the configured payment institution list supporting the electronic payment method provided by the embodiment of the present invention calls the message encapsulation module to generate a response message, and the response message carries the payment institution list information, and the payment institution list information includes at least the payment institution identification.
  • the payment acceptance background system returns the payment institution list information to the first application client.
  • the payment acceptance background system returns the payment institution list information to the first application client.
  • the first application client presents the user with payment institution list information for the user to choose.
  • the first application client installed in the user terminal presents the payment institution list information to the user.
  • FIG. 4 it is a schematic diagram of the list of payment institutions presented to the user. The user selects a payment institution according to the payment institution list information presented by the first application client to perform electronic payment.
  • the payment institution may be selected by default Make electronic payments.
  • the first application client installed in the user terminal sends an electronic payment acceptance request message to the transfer platform through the payment acceptance back-end system, as shown in FIG. 5,
  • FIG. 5 This is a schematic diagram of the implementation process of the electronic payment method in the embodiment of the present invention, including the following steps:
  • the first application client sends an electronic payment acceptance request message to the payment acceptance background system.
  • the first application client installed in the user terminal sends an electronic payment acceptance request to the payment acceptance back-end system, which carries the payment institution identification.
  • the electronic payment acceptance request message may also carry payment reference information, where the payment reference information may include, but is not limited to, at least one of the following: payment transaction serial number, payment amount, order information, and the like.
  • the payment acceptance background system forwards the electronic payment acceptance request message to the transfer platform.
  • the transfer platform searches for the jump address corresponding to the organization identifier carried in the electronic payment acceptance request message.
  • the transfer platform After the transfer platform receives the electronic payment acceptance request message, it is analyzed by the protocol analysis module and provided to the online processing module.
  • the online processing module extracts the payment institution identifier in the electronic payment acceptance request message and extracts it from the database The corresponding relationship between the stored payment institution ID and the payment processing system jump address is searched for the jump address corresponding to the extracted institution ID, the message encapsulation module is called, and a response message of the electronic payment acceptance request message is generated and returned to Payment acceptance background system.
  • the transfer platform returns a response message to the payment acceptance background system.
  • the response message carries the found jump address.
  • the transfer platform may also forward the electronic payment acceptance request message to the payment processing back-end system in the payment processing system after receiving the electronic payment acceptance request message, and the payment processing back-end system records the payment reference information carried therein And return a response message of the electronic payment acceptance request message to the transfer platform.
  • the payment acceptance background system forwards the received jump address to the first application client.
  • the payment acceptance background system returns the received jump address to the payment acceptance control in the first application client installed in the user terminal.
  • the first application client calls the second application client according to the received jump address, and sends an electronic payment processing message to the second application client.
  • the first application client generates an electronic payment processing message according to the jump address provided by the transfer platform, and the generated electronic payment processing message includes payment reference information.
  • the payment reference information may include but is not limited to at least one of the following Item: payment transaction serial number, payment amount, order information, etc., call the second application client, and send an electronic payment processing message to the second application client.
  • the first application client may encrypt the payment reference information and carry it in the electronic payment processing message for transmission.
  • the transfer platform forwards the electronic payment acceptance request message to the payment processing back-end system in step S54, in this step, the first application client need not carry all of the electronic payment processing message sent Payment reference information, you only need to carry the payment transaction serial number, so that after receiving the electronic payment processing message, the payment processing system retrieves the corresponding payment amount and order information according to the transaction serial number and sends it to the second The application client is displayed on the order confirmation page by the second application client for user confirmation.
  • the second application client After performing identity verification, order confirmation, and payment authentication, the second application client sends an electronic payment deduction request message to the payment acceptance back-end system.
  • the second application client after receiving the electronic payment processing message, the second application client first authenticates the payment user. As shown in FIG. 6, it is a schematic diagram of the identity verification interface displayed by the second application client.
  • the method of user identity verification may be but not limited to the following methods: username password verification, gesture password verification, face verification, etc.
  • the schematic diagram of the interface shown in FIG. 6 is a schematic diagram of gesture password verification.
  • the second application client After the user identity verification is passed, the second application client jumps to display the order confirmation page.
  • the order confirmation page includes at least the payment amount, and may also include the icon of the second application client and order details.
  • the second application client After the user confirms the order, the second application client jumps to display the payment confirmation authentication page.
  • the payment authentication method may be but not limited to the following methods: payment password authentication, fingerprint authentication, face verification, and the like.
  • the payment authentication page shown in FIG. 8 uses the payment password authentication method for authentication.
  • the second application client After performing identity verification, order confirmation and payment authentication, the second application client sends an electronic payment deduction request message to the payment acceptance back-end system, which carries the deduction amount and a user ID that can identify the user's identity.
  • the user ID may include At least one of the following: user mobile phone number, user account information, user registration name, user ID number, etc.
  • the payment processing background system completes the electronic payment deduction.
  • the payment processing background system determines the user account information according to the user identification carried in the electronic payment deduction request message, and completes the deduction processing according to the deduction amount.
  • the payment processing background system sends an electronic payment result notification message to the transfer platform.
  • the payment processing background system After completing the deduction processing operation, the payment processing background system generates an electronic payment result notification message, which carries the payment result.
  • the transfer platform forwards the received electronic payment result notification message to the payment acceptance background system.
  • the transfer platform parses the received message by the protocol analysis module and sends it to the online processing module.
  • the online processing module extracts the payment result and calls the message encapsulation module. Generate an electronic payment result notification message sent to the payment acceptance back-end system.
  • the transfer platform may also return a response message to the payment processing background system.
  • the payment processing back-end system can also send an electronic payment rebound message to the payment acceptance back-end system, and the payment acceptance back-end system notifies the first application client to jump back to the first application client display page and wait Payment result.
  • the payment acceptance background system sends an electronic payment result notification message to the first application client.
  • the first application client displays the payment result to the user according to the received electronic payment result notification message.
  • the payment acceptance background system may also return a response message of the electronic payment result notification message to the transfer platform.
  • the first application client displays a payment result page.
  • both the payment acceptance system and the payment processing system are connected to the transfer platform.
  • the payment acceptance system sends an electronic payment acceptance message request to the transfer platform to obtain payment
  • the jump address of the processing system sends a payment processing message to the payment processing system according to the jump address, and the payment processing system completes the electronic payment processing.
  • the transfer platform and the payment The acceptance system does not need to obtain user account information, which avoids the leakage of user account information and improves the security of electronic payment.
  • the payment acceptance system does not need to install acceptance clients of different payment processing systems, thereby reducing the resource overhead of the corresponding equipment .
  • an embodiment of the present invention also provides an electronic payment method and device implemented on the transfer platform side. Since the principle of the above device and equipment to solve the problem is similar to the above electronic payment system, the implementation of the above method and device You can refer to the implementation of the electronic payment system, and the repetition is not repeated here.
  • FIG. 9 it is a schematic diagram of an implementation process of an electronic payment method implemented on the side of a transfer platform in an embodiment of the present invention, and may include the following steps:
  • the payment acceptance system sends an electronic payment processing message to the payment processing system according to the jump address, which carries the payment reference information, and the payment processing system completes the electronic payment according to the payment reference information.
  • the method before receiving the electronic payment acceptance request message sent by the payment acceptance system, the method further includes:
  • the electronic payment method provided by the embodiment of the present invention further includes:
  • FIG. 10 it is a schematic structural diagram of an electronic payment device provided by an embodiment of the present invention, including:
  • the receiving unit 1001 is configured to receive an electronic payment acceptance request message sent by a payment acceptance system, where the electronic payment acceptance request message carries a payment institution identifier;
  • the searching unit 1002 is configured to search for the jump address corresponding to the payment institution ID carried in the electronic payment acceptance request message from the stored correspondence between the payment institution ID and the jump address of the payment processing system;
  • the response unit 1003 is configured to send a first response message to the payment acceptance system, where the first response message carries the jump address, and the payment acceptance system sends
  • the payment processing system sends an electronic payment processing message, which carries payment reference information, and the payment processing system completes the electronic payment according to the payment reference information.
  • the receiving unit 1001 is further configured to receive the payment institution list query message sent by the payment acceptance system before receiving the electronic payment acceptance request message sent by the payment acceptance system;
  • the response unit 1003 is further configured to return a second response message to the payment processing system for the payment institution list query message, where the second response message carries the payment institution list information, and the payment institution
  • the list information includes at least the identification of the payment institution.
  • the receiving unit 1001 is further configured to receive a payment result notification message sent by the payment processing system after completing electronic payment;
  • the response unit 1003 is also used to forward the payment result notification message to the payment acceptance system.
  • each module or unit
  • the functions of each module can be implemented in one or more software or hardware.
  • the computing device may include at least one processor and at least one memory.
  • the memory stores a program code
  • the processor when the program code is executed by the processor, the processor is caused to perform the steps in the electronic payment method according to various exemplary embodiments of the present invention described above in this specification .
  • the processor may perform step S91 shown in FIG. 9 to receive the electronic payment acceptance request message sent by the payment acceptance system, which carries the payment institution identification, and step S52, from the stored payment institution identification and payment Find the jump address corresponding to the payment institution identifier carried in the electronic payment acceptance request message in the corresponding relationship between the jump addresses of the processing system; and Step S93: Send the first response message to the payment acceptance system, which contains the found Jump address.
  • the computing device 110 according to this embodiment of the present invention is described below with reference to FIG. 11.
  • the computing device 110 shown in FIG. 11 is only an example, and should not bring any limitation to the functions and usage scope of the embodiments of the present invention.
  • the computing device 110 is expressed in the form of a general-purpose computing device.
  • the components of the computing device 110 may include, but are not limited to, the at least one processor 111, the at least one memory 112, and a bus 113 connecting different system components (including the memory 112 and the processor 111).
  • the bus 113 represents one or more of several types of bus structures, including a memory bus or a memory controller, a peripheral bus, a processor, or a local bus using any of a variety of bus structures.
  • the memory 112 may include a readable medium in the form of volatile memory, such as a random access memory (RAM) 1121 and/or a cache memory 1122, and may further include a read only memory (ROM) 1123.
  • RAM random access memory
  • ROM read only memory
  • the memory 112 may further include a program/utility tool 1125 having a set of (at least one) program modules 1124.
  • program modules 1124 include but are not limited to: an operating system, one or more application programs, other program modules, and program data. These Each of the examples or some combination may include an implementation of the network environment.
  • the computing device 110 may also communicate with one or more external devices 114 (eg, keyboards, pointing devices, etc.), and may also communicate with one or more devices that enable users to interact with the computing device 110, and/or with the computing device 110 Any device (eg, router, modem, etc.) capable of communicating with one or more other computing devices. Such communication may be performed through an input/output (I/O) interface 115.
  • the computing device 110 may also communicate with one or more networks (such as a local area network (LAN), a wide area network (WAN), and/or a public network, such as the Internet) through the network adapter 116. As shown, the network adapter 116 communicates with other modules for the computing device 110 via the bus 113.
  • LAN local area network
  • WAN wide area network
  • public network such as the Internet
  • computing device 110 may be used in conjunction with the computing device 110, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives And data backup storage system.
  • various aspects of the electronic payment method provided by the present invention may also be implemented in the form of a program product, which includes program code, and when the program product runs on a computer device, the program code
  • the computer device may perform step S91 shown in FIG. 9 to receive payment
  • the payment institution ID of the corresponding jump address and Step S93: Send a first response message to the payment acceptance system, which carries the found jump address.
  • the program product may use any combination of one or more readable media.
  • the readable medium may be a readable signal medium or a readable storage medium.
  • the readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or any combination of the above. More specific examples of readable storage media (non-exhaustive list) include: electrical connections with one or more wires, portable disks, hard disks, random access memory (RAM), read only memory (ROM), erasable Programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the foregoing.
  • the program product for electronic payment may adopt a portable compact disk read-only memory (CD-ROM) and include a program code, and may run on a computing device.
  • CD-ROM portable compact disk read-only memory
  • the program product of the present invention is not limited to this.
  • the readable storage medium may be any tangible medium containing or storing a program, and the program may be used by or in combination with an instruction execution system, apparatus, or device.
  • the readable signal medium may include a data signal that is transmitted in baseband or as part of a carrier wave, in which readable program code is carried. This propagated data signal can take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above.
  • the readable signal medium may also be any readable medium other than a readable storage medium, and the readable medium may send, propagate, or transmit a program for use by or in combination with an instruction execution system, apparatus, or device.
  • the program code contained on the readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wired, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
  • the program code for performing the operations of the present invention can be written in any combination of one or more programming languages including object-oriented programming languages such as Java, C++, etc., as well as conventional procedural Programming language-such as "C" language or similar programming language.
  • the program code may be executed entirely on the user's computing device, partly on the user's device, as an independent software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server To execute.
  • the remote computing device may be connected to the user computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (eg, using Internet services Provider to connect via the Internet).
  • LAN local area network
  • WAN wide area network
  • Internet services Provider to connect via the Internet
  • the embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer usable program code.
  • computer usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • each flow and/or block in the flowchart and/or block diagram and a combination of the flow and/or block in the flowchart and/or block diagram may be implemented by computer program instructions.
  • These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processing machine, or other programmable data processing device to produce a machine that enables the generation of instructions executed by the processor of the computer or other programmable data processing device
  • These computer program instructions may also be stored in a computer readable memory that can guide a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, the instructions
  • the device implements the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and/or block diagrams.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps are performed on the computer or other programmable device to produce computer-implemented processing, which is executed on the computer or other programmable device
  • the instructions provide steps for implementing the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and/or block diagrams.

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  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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Abstract

L'invention concerne un procédé, un appareil et un système de paiement électronique, ainsi qu'un support de stockage, destinés à être utilisés pour réduire le surdébit de ressources du dispositif terminal d'un client d'acceptation de paiement, tout en améliorant la sécurité du paiement électronique. Le système de paiement électronique selon l'invention comprend : un système d'acceptation de paiement, destiné à envoyer un message de demande d'acceptation de paiement électronique à une plateforme de transfert, ledit message contenant un logo d'institution de paiement, et à envoyer le message de traitement de paiement électronique à un système de traitement de paiement en fonction de l'adresse de redirection renvoyée par la plateforme de transfert, le message de traitement de paiement électronique contenant des informations de référence de paiement ; une plate-forme de transfert destinée, après réception du message de demande d'acceptation de paiement électronique, à rechercher la correspondance entre le logo d'institution de paiement stocké et l'adresse de redirection du système de traitement de paiement pour l'adresse de redirection correspondant au logo d'institution de paiement, et à renvoyer un premier message de réponse au système d'acceptation de paiement, ce premier message de réponse contenant l'adresse de redirection ; et un système de traitement de paiement destiné, après réception du message de traitement de paiement électronique, à achever un paiement électronique en fonction des informations de référence de paiement contenues dans le message.
PCT/CN2019/117272 2018-12-28 2019-11-11 Procédé, appareil et système de paiement électronique et support de stockage WO2020134654A1 (fr)

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