WO2020233223A1 - 支付方法、装置、设备、系统及存储介质 - Google Patents

支付方法、装置、设备、系统及存储介质 Download PDF

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Publication number
WO2020233223A1
WO2020233223A1 PCT/CN2020/080920 CN2020080920W WO2020233223A1 WO 2020233223 A1 WO2020233223 A1 WO 2020233223A1 CN 2020080920 W CN2020080920 W CN 2020080920W WO 2020233223 A1 WO2020233223 A1 WO 2020233223A1
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WIPO (PCT)
Prior art keywords
payment
address
server
order
terminal device
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2020/080920
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English (en)
French (fr)
Inventor
鲁志军
蒋海俭
闵青
王礼霖
才华
章政
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Unionpay Co Ltd
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China Unionpay Co Ltd
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Filing date
Publication date
Application filed by China Unionpay Co Ltd filed Critical China Unionpay Co Ltd
Priority to US17/611,701 priority Critical patent/US12387194B2/en
Publication of WO2020233223A1 publication Critical patent/WO2020233223A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Managing shopping lists, e.g. compiling or processing purchase lists
    • G06Q30/0635—Managing shopping lists, e.g. compiling or processing purchase lists replenishment orders; recurring orders

Definitions

  • This application relates to the field of mobile payment technology, in particular to a payment method, device, equipment, system, and storage medium.
  • the acquirer server needs to interface with different third-party payment tools, and the interface cost is relatively high.
  • users cannot freely use any application (Application, APP) to scan codes to complete payment, and the payment efficiency is low.
  • the embodiments of the present application provide a payment method, device, equipment, system, and storage medium, which can reduce docking costs, improve payment efficiency, and can complete payment by scanning codes with any application.
  • an embodiment of the present application provides a payment method, which includes:
  • the first application app is used to identify the target graphic identifier to obtain the first address; where the first app is one of multiple optional apps, and the optional apps include apps with payment functions and apps without payment functions ;
  • the payment component is called to pay for the order.
  • an embodiment of the present application provides a payment method, which includes:
  • the order confirmation information is sent by the terminal device based on the first page corresponding to the first address, and the first address is obtained by the terminal device through the first app identifying the target graphic identifier Address
  • the first app is one of multiple optional apps, and the optional apps include apps with payment functions and apps without payment functions
  • the second address is fed back to the terminal device, so that the terminal device calls the payment component to pay for the order based on the page corresponding to the second address.
  • an embodiment of the present application provides a payment method, which includes:
  • the terminal device recognizes the address obtained by the target graphic identifier through the first app.
  • the first app is one of multiple optional apps, and the optional apps include apps with payment functions and apps without payment functions;
  • the second address corresponding to the unified payment gateway is sent to the first server, so that the first server feeds back the second address to the terminal device, and the terminal device calls the payment tool for order payment based on the page corresponding to the second address.
  • an embodiment of the present application provides a payment device, which includes:
  • the identification module is used to identify the target graphic identifier through the first application app to obtain the first address; where the first app is one of a plurality of optional apps, and the optional apps include apps with payment functions and non- App with payment function;
  • the order confirmation information sending module is used to send order confirmation information to the first server based on the first page corresponding to the first address, so that the first server generates an order corresponding to the order confirmation information, and the first server sends the order to the second Server, the first server receives and feeds back the second address corresponding to the unified payment gateway sent by the second server;
  • the address receiving module is configured to receive the second address fed back by the first server
  • the payment module is used to call the payment component to pay for the order based on the second page corresponding to the second address.
  • an embodiment of the present application provides a payment device, which includes:
  • the order generation module is used to generate an order corresponding to the order confirmation information sent by the terminal device; where the order confirmation information is sent by the terminal device based on the first page corresponding to the first address, and the first address is the terminal device's identification through the first app
  • the address obtained by the target graphic identifier, the first app is one of multiple optional apps, and the optional apps include apps with payment functions and apps without payment functions;
  • the order sending module is used to send the order to the second server
  • the address receiving module is configured to receive the second address corresponding to the unified payment gateway sent by the second server;
  • the address feedback module is configured to feed back the second address to the terminal device, so that the terminal device calls the payment component to pay for the order based on the page corresponding to the second address.
  • an embodiment of the present application provides a payment device, which includes:
  • the order receiving module is used to receive an order sent by the first server; where the order is an order corresponding to the order confirmation information sent by the terminal device to the first server, and the order confirmation information is sent by the terminal device based on the first page corresponding to the first address Yes, the first address is the address obtained by the terminal device through the first app to identify the target graphic identifier, the first app is one of multiple optional apps, and the optional apps include those with payment functions and those without payment functions. app;
  • the address sending module is used to send the second address corresponding to the unified payment gateway to the first server, so that the first server feeds back the second address to the terminal device, and the terminal device calls the payment tool for order payment based on the page corresponding to the second address .
  • an embodiment of the present application provides a payment device, including a processor, a memory, and a computer program stored in the memory and running on the processor.
  • the computer program is executed by the processor to realize the Steps of payment method.
  • an embodiment of the present application provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the steps of the payment method provided in the embodiment of the present application are implemented.
  • an embodiment of the present application provides a payment system, the system includes: a first server and a second server;
  • the first server is used to generate an order corresponding to the order confirmation information sent by the terminal device; send the order to the second server; receive the second address corresponding to the unified payment gateway sent by the second server; and feed back the second address to the terminal device , So that the terminal device calls the payment component to pay for the order based on the page corresponding to the second address; where the order confirmation information is sent by the terminal device based on the first page corresponding to the first address, and the first address is the terminal device through the first app
  • the address obtained by identifying the target graphic identifier, the first app is one of multiple optional apps, and the optional apps include apps with payment functions and apps without payment functions;
  • the second server is configured to receive the order sent by the first server; send the second address to the first server, so that the first server feeds back the second address to the terminal device.
  • the terminal device recognizes the target graphic identifier through the first application program app to obtain the first address, and the first app is one of multiple selectable apps app, optional apps include apps with payment functions and apps without payment functions; based on the first page corresponding to the first address, send order confirmation information to the first server; the first server generates an order corresponding to the order confirmation information , And send this to the second server; the second server receives the order sent by the first server, and sends the second address corresponding to the unified payment gateway to the first server; the first server feeds back the second address to the terminal device; the terminal device Based on the second page corresponding to the second address, the payment component is called to pay for the order.
  • the terminal device can use any app to scan the code to complete the payment.
  • the acquirer does not need to interface with different third-party payment tools, which can reduce the interface cost and improve payment efficiency.
  • Figure 1 shows a schematic structural diagram of a payment system provided by an embodiment of the present application
  • Figure 2 shows a schematic diagram of the process of using the first app with payment function to perform graphic identifier recognition and payment according to an embodiment of the present application
  • FIG. 3 shows a schematic diagram of a first process of using a first app that does not have a payment function to perform graphic identifier recognition and payment according to an embodiment of the present application
  • FIG. 4 shows a schematic diagram of a second process of using a first app that does not have a payment function to perform graphic identifier recognition and payment according to an embodiment of the present application
  • FIG. 5 shows a schematic diagram of a third process of using a first app that does not have a payment function to perform graphic identifier recognition and payment according to an embodiment of the present application
  • FIG. 6 shows a schematic flowchart of a payment method applied to a terminal device according to an embodiment of the present application
  • FIG. 7 shows a schematic flowchart of a payment method applied to a first server according to an embodiment of the present application
  • FIG. 8 shows a schematic flowchart of a payment method applied to a second server according to an embodiment of the present application
  • FIG. 9 shows a schematic structural diagram of a payment processing apparatus applied to terminal equipment according to an embodiment of the present application.
  • FIG. 10 shows a schematic structural diagram of a payment device applied to a first server according to an embodiment of the present application
  • FIG. 11 shows a schematic structural diagram of a payment device applied to a second server according to an embodiment of the present application
  • Fig. 12 shows a structural diagram of an exemplary hardware architecture of a computing device capable of implementing the payment method and device according to the embodiments of the present application.
  • embodiments of the present application provide a payment method, device, equipment, system, and storage medium to reduce docking costs, improve payment efficiency, and enable users to complete payment by scanning codes with any application.
  • Figure 1 shows a schematic structural diagram of a payment system provided by an embodiment of the present application.
  • the payment system may include: a first server and a second server. among them,
  • the first server is used to generate an order corresponding to the order confirmation information sent by the terminal device; send the order to the second server; receive the second address corresponding to the unified payment gateway sent by the second server; and feed back the second address to the terminal device , So that the terminal device calls the payment component to pay for the order based on the page corresponding to the second address; where the order confirmation information is sent by the terminal device based on the first page corresponding to the first address, and the first address is the terminal device through the first app
  • the address obtained by identifying the target graphic identifier, the first app is one of multiple optional apps, and the optional apps include apps with payment functions and apps without payment functions.
  • the second server is configured to receive the order sent by the first server; send the second address to the first server, so that the first server feeds back the second address to the terminal device.
  • the docking cost can be reduced, the payment efficiency can be improved, and the user can complete the payment by scanning the code using any application program.
  • the first server may be an acquiring institution server
  • the second server may be a clearing institution server
  • the unified payment gateway may be a unified payment gateway for clearing institutions.
  • the first app may be an app with a payment function or an app without a payment function.
  • the following describes the cases where the first app is an app with payment function and the first app is an app without payment function.
  • FIG. 2 shows a schematic diagram of the process of using a first app with a payment function to identify and pay for a graphic identifier provided by an embodiment of the present application.
  • the first app can be a payment app, such as a certain Dong app, a certain treasure app, a certain letter app, a certain pass app, or a certain bank app.
  • a payment app such as a certain Dong app, a certain treasure app, a certain letter app, a certain pass app, or a certain bank app.
  • the first app recognizes the target graphic identifier to obtain the first address, the first app has a graphic identifier recognition function.
  • the graphic identifier mentioned in the embodiment of the present application may be a one-dimensional barcode or a two-dimensional barcode (two-dimensional code for short).
  • the first address corresponding to the graphic identifier may be a uniform resource locator (Uniform Resource Locator, URL) address.
  • URL Uniform Resource Locator
  • the terminal device recognizes the target graphic identifier through the first app to obtain the first address.
  • the page corresponding to the first address may be a payment page for directly making payments to the merchant, or may be a display page of the merchant's merchandise.
  • the order confirmation information may be directly sent to the first server based on the page.
  • the user When the page corresponding to the first address is the display page of the merchant’s merchandise, the user needs to enter the order information confirmation page through the process of page browsing, merchandise selection, and confirmation of the merchandise to be purchased. After the user confirms the order information, the first The server sends the order confirmation information.
  • the terminal device uses the application to scan the QR code of the merchant to identify the address corresponding to the QR code; uses the browser to access the identified address, and then sends the order information page access request to the first server;
  • the server responds to the order information page access request and feeds back the order information page to the terminal device;
  • the terminal device displays the order information page; after the user confirms that the order information is correct based on the displayed order information page, the terminal device sends the order confirmation information to the first server .
  • the first server After receiving the order confirmation information, the first server generates an order corresponding to the order confirmation information; and sends the order to the second server.
  • the second server After receiving the order, the second server sends the second address corresponding to the unified payment gateway to the first server.
  • the acquirer After receiving the second address corresponding to the unified payment gateway, the acquirer sends the second address corresponding to the unified payment gateway to the terminal device.
  • the terminal device accesses the page of the second address corresponding to the unified payment gateway, and based on the page, calls the payment component to pay for the order. Then the payment result is shown to the user.
  • the second server when sending the second address corresponding to the unified payment gateway to the first server, may send the URL address including the second address corresponding to the unified payment gateway to the first server.
  • the second server may generate a URL address including the second address corresponding to the unified payment gateway based on the second address corresponding to the unified payment gateway.
  • the embodiment of the application does not limit the process of generating the URL address including the second address corresponding to the unified payment gateway, and any available method can be applied to the embodiment of the application.
  • the acquirer when the acquirer sends the second address corresponding to the unified payment gateway to the terminal device, it may send page jump information to the terminal device, and the page jump information includes the second address corresponding to the unified payment gateway. address. After receiving the page jump information, the terminal device jumps to the page corresponding to the second address corresponding to the unified payment gateway.
  • the second server may send payment component configuration parameters to the terminal device.
  • the terminal device After receiving the payment component configuration parameter, the terminal device calls the payment component corresponding to the payment component configuration parameter to pay for the order.
  • the payment component configuration parameter is used to instruct to call the payment component that comes with the first app for order payment.
  • the terminal device After receiving the payment component configuration parameters, the terminal device calls the payment component of the first app to pay for the order.
  • the terminal device scans the code through a certain treasure with a payment component
  • the payment component configuration parameters sent by the second server to the terminal device are used to instruct the payment component of the certain treasure to be used for payment; the terminal device calls a certain treasure The payment component that comes with Baobao for order payment.
  • the payment component configuration parameter is used to instruct to call the default payment component of the second server for order payment.
  • the payment component set by the second server by default is a payment component of a certain treasure.
  • the payment component configuration parameter sent by the second server to the terminal device is used to instruct the payment component of a certain treasure to be used for payment; the terminal device invokes the payment component of a certain treasure to pay for the order.
  • the payment component configuration parameter is used to instruct to call the default payment component of the terminal device for order payment.
  • the default payment component of the terminal device is a payment component of a certain treasure. Then the payment component configuration parameters sent by the second server to the terminal device are used to instruct to call the default payment component of the terminal device for payment; the terminal device calls the payment component of a certain treasure to pay for the order.
  • the second server may send configuration parameters corresponding to at least two payment components to the terminal device.
  • the terminal device may first show the user the options of at least two payment components; and then call the selected payment component to pay for the order.
  • the configuration parameters corresponding to at least two payment components that the second server can send to the terminal device are the configuration parameters corresponding to the payment component of a certain treasure, the configuration parameters corresponding to the payment component of a certain letter, and the payment component of a certain payment.
  • the corresponding configuration parameters and the corresponding configuration parameters of the payment component of a certain pass.
  • the terminal device After receiving the payment component configuration parameters sent by the second server, displays the options of the payment component of a certain treasure, a payment component of a letter, a payment component of a certain payment, and a payment component of a certain pass to the user for selection. Assuming that the user selects a payment component of a certain payment, the payment component of a certain payment is called for order payment.
  • the terminal device before the terminal device sends the order confirmation information to the first server, the terminal device may also perform legality verification on the identified first address.
  • the legality verification of the first address identified includes but not limited to the following methods:
  • Method 1 Determine whether the domain name in the first address exists in the legal domain name database; if it exists, it means that the first address is legal.
  • the domain name in the first address is: XXXX.com. Determine whether XXXX.com exists in the legal domain name database. If XXXX.com exists in the legal domain name database, the first address "https://www.XXXX.com/A" is legal.
  • Method 2 Determine whether a specific character string exists in the first address; if it exists, it means that the first address is legal.
  • the specific character string may be a character string agreed upon by the clearing institution and the acquiring institution.
  • Method 3 Obtain the signature result corresponding to the domain name in the first address; decrypt the signature result to obtain the decryption result; determine whether the domain name in the first address is the same as the decryption result; if they are the same, the first address is legal.
  • the domain name in the first address is: XXXX.com.
  • A is the signature result corresponding to the domain name "XXXX.com”.
  • the signature result is decrypted, and the decryption result P is obtained. If the domain name "XXXX.com" is the same as the decryption result P, it means that the first address is legal.
  • an acquiring institution when an acquiring institution submits a QR code generation request to a clearing institution, it can use the private key of the clearing institution to sign the domain name and generate a signature result corresponding to the domain name. After scanning the code, the terminal device uses the public key of the clearing agency to decrypt the signature result to obtain the decryption result. If the domain name in the first address is the same as the decryption result, it means that the first address is legal.
  • FIG. 3 shows a schematic diagram of the first process of using a first app that does not have a payment function to perform graphic identifier recognition and payment according to an embodiment of the present application.
  • the first app can be: browser app, camera app, chat app, video app, news app, hospital app, traffic app, etc.
  • the first app recognizes the target graphic identifier to obtain the first address, the first app has a graphic identifier recognition function.
  • the terminal device recognizes the target graphic identifier through the first app to obtain the first address.
  • the page corresponding to the first address may be a payment page for directly making payments to the merchant, or may be a display page of the merchant's merchandise.
  • the order confirmation information may be directly sent to the first server based on the page.
  • the user When the page corresponding to the first address is the display page of the merchant’s merchandise, the user needs to enter the order information confirmation page through the process of page browsing, merchandise selection, and confirmation of the merchandise to be purchased. After the user confirms the order information, the first The server sends the order confirmation message.
  • the terminal device uses the application to scan the QR code of the merchant to identify the address corresponding to the QR code; uses the browser to access the identified address, and then sends the order information page access request to the first server;
  • the server responds to the order information page access request and feeds back the order information page to the terminal device;
  • the terminal device displays the order information page; after the user confirms that the order information is correct based on the displayed order information page, the terminal device sends the order confirmation information to the first server .
  • the first server After receiving the order confirmation information, the first server generates an order corresponding to the order confirmation information; and sends the order to the second server.
  • the second server After receiving the order, the second server sends the second address corresponding to the unified payment gateway to the first server.
  • the acquirer After receiving the second address corresponding to the unified payment gateway, the acquirer sends the second address corresponding to the unified payment gateway to the terminal device.
  • the terminal device accesses the page of the second address corresponding to the unified payment gateway, and based on the page, calls the payment component to pay for the order. Then the payment result is shown to the user.
  • the second server when sending the second address corresponding to the unified payment gateway to the first server, may send the URL address including the second address corresponding to the unified payment gateway to the first server.
  • the second server may generate a URL address including the second address corresponding to the unified payment gateway based on the second address corresponding to the unified payment gateway.
  • the acquirer when the acquirer sends the second address corresponding to the unified payment gateway to the terminal device, it may send page jump information to the terminal device, and the page jump information includes the second address corresponding to the unified payment gateway. address. After receiving the page jump information, the terminal device jumps to the page corresponding to the second address corresponding to the unified payment gateway.
  • the second server may send payment component configuration parameters to the terminal device.
  • the terminal device After receiving the payment component configuration parameter, the terminal device calls the payment component corresponding to the payment component configuration parameter to pay for the order.
  • the second server may send configuration parameters corresponding to at least two payment components to the terminal device.
  • the terminal device may first show the user the options of at least two payment components; and then call the selected payment component to pay for the order.
  • the configuration parameters corresponding to at least two payment components that the second server can send to the terminal device are the configuration parameters corresponding to the payment component of a certain treasure, the configuration parameters corresponding to the payment component of certain letter, and the payment component of certain communication.
  • the corresponding configuration parameters After receiving the payment component configuration parameters sent by the second server, the terminal device displays the options of the payment component of a treasure, the payment component of a letter, and the payment component of a communication to the user for selection. Assuming that the user selects the payment component of a certain pass, the payment component of a certain pass is called to pay for the order.
  • the terminal device before the terminal device sends the order confirmation information to the first server, the terminal device may also perform legality verification on the identified first address.
  • the legality verification of the first address identified includes but not limited to the following methods:
  • Method 1 Determine whether the domain name in the first address exists in the legal domain name database; if it exists, it means that the first address is legal.
  • the domain name in the first address is: XXXX.com. Determine whether XXXX.com exists in the legal domain name database. If XXXX.com exists in the legal domain name database, the first address "https://www.XXXX.com/A" is legal.
  • Method 2 Determine whether a specific character string exists in the first address; if it exists, it means that the first address is legal.
  • the specific character string may be a character string agreed upon by the clearing institution and the acquiring institution.
  • Method 3 Obtain the signature result corresponding to the domain name in the first address; decrypt the signature result to obtain the decryption result; determine whether the domain name in the first address is the same as the decryption result; if they are the same, the first address is legal.
  • the domain name in the first address is: XXXX.com.
  • A is the signature result corresponding to the domain name "XXXX.com”.
  • the signature result is decrypted, and the decryption result P is obtained. If the domain name "XXXX.com" is the same as the decryption result P, it means that the first address is legal.
  • the acquiring institution when the acquiring institution submits a QR code generation request to the clearing institution, it may use the private key of the clearing institution to sign the domain name and generate a signature result corresponding to the domain name. After scanning the code, the terminal device uses the public key of the clearing agency to decrypt the signature result to obtain the decryption result. If the domain name in the first address is the same as the decryption result, it means that the first address is legal.
  • FIG. 4 shows a schematic diagram of a second process of using a first app that does not have a payment function to perform graphic identifier recognition and payment according to an embodiment of the present application.
  • the first app recognizes the target graphic identifier to obtain the first address, the first app has a graphic identifier recognition function.
  • the terminal device recognizes the target graphic identifier through the first app to obtain the first address.
  • the page corresponding to the first address may be a payment page for directly making payments to the merchant, or may be a display page of the merchant's merchandise.
  • the order confirmation information may be directly sent to the first server based on the page.
  • the user When the page corresponding to the first address is the display page of the merchant’s merchandise, the user needs to enter the order information confirmation page through the process of page browsing, merchandise selection, and confirmation of the merchandise to be purchased. After the user confirms the order information, the first The server sends the order confirmation message.
  • the terminal device uses the application to scan the QR code of the merchant to identify the address corresponding to the QR code; uses the browser to access the identified address, and then sends the order information page access request to the first server;
  • the server responds to the order information page access request and feeds back the order information page to the terminal device;
  • the terminal device displays the order information page; after the user confirms that the order information is correct based on the displayed order information page, the terminal device sends the order confirmation information to the first server .
  • the first server After receiving the order confirmation information, the first server generates an order corresponding to the order confirmation information; and sends the order to the second server.
  • the second server After receiving the order, the second server sends the second address corresponding to the unified payment gateway to the first server.
  • the acquirer After receiving the second address corresponding to the unified payment gateway, the acquirer sends the second address corresponding to the unified payment gateway to the terminal device.
  • the terminal device accesses the page of the second address corresponding to the unified payment gateway, and based on the page, calls the payment component to pay for the order. Then the payment result is shown to the user.
  • the second server when sending the second address corresponding to the unified payment gateway to the first server, may send the URL address including the second address corresponding to the unified payment gateway to the first server.
  • the second server may generate a URL address including the second address corresponding to the unified payment gateway based on the second address corresponding to the unified payment gateway.
  • the acquirer when the acquirer sends the second address corresponding to the unified payment gateway to the terminal device, it may send page jump information to the terminal device, and the page jump information includes the second address corresponding to the unified payment gateway. address. After receiving the page jump information, the terminal device jumps to the page corresponding to the second address corresponding to the unified payment gateway.
  • the second server may send payment component configuration parameters to the terminal device.
  • the terminal device After receiving the payment component configuration parameter, the terminal device calls the payment component corresponding to the payment component configuration parameter to pay for the order.
  • the payment component configuration parameter is used to instruct to call the default payment component of the second server for order payment.
  • the payment component set by the second server by default is a payment component of a certain treasure.
  • the payment component configuration parameter sent by the second server to the terminal device is used to instruct the payment component of a certain treasure to be used for payment; the terminal device invokes the payment component of a certain treasure to pay for the order.
  • the terminal device before the terminal device sends the order confirmation information to the first server, the terminal device may also perform legality verification on the identified first address.
  • the legality verification of the first address identified includes but not limited to the following methods:
  • Method 1 Determine whether the domain name in the first address exists in the legal domain name database; if it exists, it means that the first address is legal.
  • the domain name in the first address is: XXXX.com. Determine whether XXXX.com exists in the legal domain name database. If XXXX.com exists in the legal domain name database, the first address "https://www.XXXX.com/A" is legal.
  • Method 2 Determine whether a specific character string exists in the first address; if it exists, it means that the first address is legal.
  • the specific character string may be a character string agreed upon by the clearing institution and the acquiring institution.
  • Method 3 Obtain the signature result corresponding to the domain name in the first address; decrypt the signature result to obtain the decryption result; determine whether the domain name in the first address is the same as the decryption result; if they are the same, the first address is legal.
  • the domain name in the first address is: XXXX.com.
  • A is the signature result corresponding to the domain name "XXXX.com”.
  • the signature result is decrypted, and the decryption result P is obtained. If the domain name "XXXX.com" is the same as the decryption result P, it means that the first address is legal.
  • an acquiring institution when an acquiring institution submits a QR code generation request to a clearing institution, it can use the private key of the clearing institution to sign the domain name and generate a signature result corresponding to the domain name. After scanning the code, the terminal device uses the public key of the clearing agency to decrypt the signature result to obtain the decryption result. If the domain name in the first address is the same as the decryption result, it means that the first address is legal.
  • FIG. 5 shows a schematic diagram of a third process of using a first app that does not have a payment function to perform graphic identifier recognition and payment according to an embodiment of the present application.
  • the first app recognizes the target graphic identifier to obtain the first address, the first app has a graphic identifier recognition function.
  • the terminal device recognizes the target graphic identifier through the first app to obtain the first address.
  • the page corresponding to the first address may be a payment page for directly making payments to the merchant, or may be a display page of the merchant's merchandise.
  • the order confirmation information may be directly sent to the first server based on the page.
  • the user When the page corresponding to the first address is the display page of the merchant’s merchandise, the user needs to enter the order information confirmation page through the process of page browsing, merchandise selection, and confirmation of the merchandise to be purchased. After the user confirms the order information, the first The server sends the order confirmation message.
  • the terminal device uses the application to scan the QR code of the merchant to identify the address corresponding to the QR code; uses the browser to access the identified address, and then sends the order information page access request to the first server;
  • the server responds to the order information page access request and feeds back the order information page to the terminal device;
  • the terminal device displays the order information page; after the user confirms that the order information is correct based on the displayed order information page, the terminal device sends the order confirmation information to the first server .
  • the first server After receiving the order confirmation information, the first server generates an order corresponding to the order confirmation information; and sends the order to the second server.
  • the second server After receiving the order, the second server sends the second address corresponding to the unified payment gateway to the first server.
  • the acquirer After receiving the second address corresponding to the unified payment gateway, the acquirer sends the second address corresponding to the unified payment gateway to the terminal device.
  • the terminal device accesses the page of the second address corresponding to the unified payment gateway, and based on the page, calls the payment component to pay for the order. Then the payment result is shown to the user.
  • the second server when sending the second address corresponding to the unified payment gateway to the first server, may send the URL address including the second address corresponding to the unified payment gateway to the first server.
  • the second server may generate a URL address including the second address corresponding to the unified payment gateway based on the second address corresponding to the unified payment gateway.
  • the acquirer when the acquirer sends the second address corresponding to the unified payment gateway to the terminal device, it may send page jump information to the terminal device, and the page jump information includes the second address corresponding to the unified payment gateway. address. After receiving the page jump information, the terminal device jumps to the page corresponding to the second address corresponding to the unified payment gateway.
  • the second server may send payment component configuration parameters to the terminal device.
  • the terminal device After receiving the payment component configuration parameter, the terminal device calls the payment component corresponding to the payment component configuration parameter to pay for the order.
  • the payment component configuration parameter is used to instruct to call the default payment component of the terminal device for order payment.
  • the default payment component of the terminal device is a payment component of a certain treasure. Then the payment component configuration parameters sent by the second server to the terminal device are used to instruct to call the default payment component of the terminal device for payment; the terminal device calls the payment component of a certain treasure to pay for the order.
  • the terminal device before the terminal device sends the order confirmation information to the first server, the terminal device may also perform legality verification on the identified first address.
  • the legality verification of the first address identified includes but not limited to the following methods:
  • Method 1 Determine whether the domain name in the first address exists in the legal domain name database; if it exists, it means that the first address is legal.
  • the domain name in the first address is: XXXX.com. Determine whether XXXX.com exists in the legal domain name database. If XXXX.com exists in the legal domain name database, the first address "https://www.XXXX.com/A" is legal.
  • Method 2 Determine whether a specific character string exists in the first address; if it exists, it means that the first address is legal.
  • the specific character string may be a character string agreed upon by the clearing institution and the acquiring institution.
  • Method 3 Obtain the signature result corresponding to the domain name in the first address; decrypt the signature result to obtain the decryption result; determine whether the domain name in the first address is the same as the decryption result; if they are the same, the first address is legal.
  • the domain name in the first address is: XXXX.com.
  • A is the signature result corresponding to the domain name "XXXX.com”.
  • the signature result is decrypted, and the decryption result P is obtained. If the domain name "XXXX.com" is the same as the decryption result P, it means that the first address is legal.
  • an acquiring institution when an acquiring institution submits a QR code generation request to a clearing institution, it can use the private key of the clearing institution to sign the domain name and generate a signature result corresponding to the domain name. After scanning the code, the terminal device uses the public key of the clearing agency to decrypt the signature result to obtain the decryption result. If the domain name in the first address is the same as the decryption result, it means that the first address is legal.
  • FIG. 6 shows a schematic flowchart of a payment method applied to a terminal device according to an embodiment of the present application.
  • Payment methods applied to terminal devices may include:
  • S401 Identify the target graphic identifier through the first application app to obtain the first address.
  • the first app is one of multiple optional apps, and the optional apps include apps with payment functions and apps without payment functions.
  • S402 Send order confirmation information to the first server based on the first page corresponding to the first address, so that the first server generates an order corresponding to the order confirmation information, the first server sends the order to the second server, and the first server receives And feedback the second address corresponding to the unified payment gateway sent by the second server.
  • S403 Receive the second address fed back by the first server.
  • the first app recognizes the target graphic identifier to obtain the first address, the first app has a graphic identifier recognition function.
  • the terminal device recognizes the target graphic identifier through the first app to obtain the first address.
  • the graphic identifier mentioned in the embodiment of the present application may be a one-dimensional barcode or a two-dimensional barcode.
  • the first address corresponding to the graphic identifier may be a URL address.
  • the page corresponding to the first address may be a payment page for directly making payments to the merchant, or may be a display page of the merchant's merchandise.
  • the order confirmation information may be directly sent to the first server based on the page.
  • the user When the page corresponding to the first address is the display page of the merchant’s merchandise, the user needs to enter the order information confirmation page through the process of page browsing, merchandise selection, and confirmation of the merchandise to be purchased. After the user confirms the order information, the first The server sends the order confirmation message.
  • the terminal device uses the application to scan the QR code of the merchant to identify the address corresponding to the QR code; uses the browser to access the identified address, and then sends the order information page access request to the first server;
  • the server responds to the order information page access request and feeds back the order information page to the terminal device;
  • the terminal device displays the order information page; after the user confirms that the order information is correct based on the displayed order information page, the terminal device sends the order confirmation information to the first server .
  • the first server After receiving the order confirmation information, the first server generates an order corresponding to the order confirmation information; and sends the order to the second server.
  • the second server After receiving the order, the second server sends the second address corresponding to the unified payment gateway to the first server.
  • the acquirer After receiving the second address corresponding to the unified payment gateway, the acquirer sends the second address corresponding to the unified payment gateway to the terminal device.
  • the terminal device accesses the page of the second address corresponding to the unified payment gateway, and based on the page, calls the payment component to pay for the order. Then the payment result is shown to the user.
  • the first app may include:
  • the acquirer when the acquirer sends the second address corresponding to the unified payment gateway to the terminal device, it may send page jump information to the terminal device, and the page jump information includes the second address corresponding to the unified payment gateway. address. Based on this, receiving the second address fed back by the first server may include:
  • the second server may send payment component configuration parameters to the terminal device.
  • the terminal device After receiving the payment component configuration parameter, the terminal device calls the payment component corresponding to the payment component configuration parameter to pay for the order. Based on this, calling the payment component for order payment can include:
  • the payment component corresponding to the configuration parameter of the payment component is called for order payment.
  • the payment component configuration parameter is used to instruct to call the payment component that comes with the first app for order payment.
  • the terminal device After receiving the payment component configuration parameters, the terminal device calls the payment component of the first app to pay for the order.
  • the terminal device scans the code through a certain treasure with a payment component
  • the payment component configuration parameters sent by the second server to the terminal device are used to instruct the payment component of the certain treasure to be used for payment; the terminal device calls a certain treasure The payment component that comes with Baobao for order payment.
  • the payment component configuration parameter is used to instruct to call the default payment component of the second server for order payment.
  • the payment component set by the second server by default is a payment component of a certain treasure.
  • the payment component configuration parameter sent by the second server to the terminal device is used to instruct the payment component of a certain treasure to be used for payment; the terminal device invokes the payment component of a certain treasure to pay for the order.
  • the payment component configuration parameter is used to instruct to call the default payment component of the terminal device for order payment.
  • the default payment component of the terminal device is a payment component of a certain treasure. Then the payment component configuration parameters sent by the second server to the terminal device are used to instruct to call the default payment component of the terminal device for payment; the terminal device calls the payment component of a certain treasure to pay for the order.
  • the second server may send configuration parameters corresponding to at least two payment components to the terminal device.
  • the terminal device may first show the user the options of at least two payment components; and then call the selected payment component to pay for the order.
  • the configuration parameters corresponding to at least two payment components that the second server can send to the terminal device are the configuration parameters corresponding to the payment component of a certain treasure, the configuration parameters corresponding to the payment component of certain letter, and the payment component of certain communication.
  • the corresponding configuration parameters After receiving the payment component configuration parameters sent by the second server, the terminal device displays the options of the payment component of a treasure, the payment component of a letter, and the payment component of a communication to the user for selection. Assuming that the user selects a payment component of a certain pass, the payment component of a certain pass is called to pay for the order.
  • the terminal device can use any application program to scan the code to complete the payment.
  • the acquirer does not need to interface with different third-party payment tools, which can reduce the interface cost and improve payment efficiency.
  • the payment method applied to the terminal device before sending the order confirmation information to the first server based on the first page corresponding to the first address, the payment method applied to the terminal device provided in the embodiment of the present application further includes:
  • performing legality verification on the first address may include: determining whether the domain name in the first address exists in a legal domain name database; if it exists, it means that the first address is legal.
  • the domain name in the first address is: XXXX.com. Determine whether XXXX.com exists in the legal domain name database. If XXXX.com exists in the legal domain name database, the first address "https://www.XXXX.com/A" is legal.
  • performing legality verification on the first address may include: determining whether a specific character string exists in the first address; if it exists, it means that the first address is legal.
  • the specific character string may be a character string agreed upon by the clearing institution and the acquiring institution.
  • verifying the legality of the first address may include: obtaining a signature result corresponding to the domain name in the first address; decrypting the signature result to obtain the decryption result; Whether the domain name and the decrypted result are the same; if they are the same, it means that the first address is legal.
  • the domain name in the first address is: XXXX.com.
  • A is the signature result corresponding to the domain name "XXXX.com”.
  • the signature result is decrypted, and the decryption result P is obtained. If the domain name "XXXX.com" is the same as the decryption result P, it means that the first address is legal.
  • an acquiring institution when an acquiring institution submits a QR code generation request to a clearing institution, it can use the private key of the clearing institution to sign the domain name and generate a signature result corresponding to the domain name. After scanning the code, the terminal device uses the public key of the clearing agency to decrypt the signature result to obtain the decryption result. If the domain name in the first address is the same as the decryption result, it means that the first address is legal.
  • the embodiment of the present application also provides a payment method applied to the first server, as shown in FIG. 7.
  • Fig. 7 shows a schematic flowchart of a payment method applied to a first server provided by an embodiment of the present application.
  • the payment method applied to the first server may include:
  • S501 Generate an order corresponding to the order confirmation information sent by the terminal device.
  • the order confirmation information is sent by the terminal device based on the first page corresponding to the first address
  • the first address is the address obtained by the terminal device through the first app identifying the target graphic identifier
  • the first app is one of the multiple selectable apps
  • optional apps include apps with payment functions and apps without payment functions.
  • S502 Send the order to the second server.
  • S503 Receive the second address corresponding to the unified payment gateway sent by the second server.
  • S504 Feed the second address back to the terminal device, so that the terminal device calls the payment component to pay for the order based on the page corresponding to the second address.
  • the first app recognizes the target graphic identifier to obtain the first address, the first app has a graphic identifier recognition function.
  • the terminal device recognizes the target graphic identifier through the first app to obtain the first address.
  • the graphic identifier mentioned in the embodiment of the present application may be a one-dimensional barcode or a two-dimensional barcode.
  • the first address corresponding to the graphic identifier may be a URL address.
  • the page corresponding to the first address may be a payment page for directly making payments to the merchant, or may be a display page of the merchant's merchandise.
  • the order confirmation information may be directly sent to the first server based on the page.
  • the user When the page corresponding to the first address is the display page of the merchant’s merchandise, the user needs to enter the order information confirmation page through the process of page browsing, merchandise selection, and confirmation of the merchandise to be purchased. After the user confirms the order information, the first The server sends the order confirmation message.
  • the terminal device uses the application to scan the QR code of the merchant to identify the address corresponding to the QR code; uses the browser to access the identified address, and then sends the order information page access request to the first server;
  • the server responds to the order information page access request and feeds back the order information page to the terminal device;
  • the terminal device displays the order information page; after the user confirms that the order information is correct based on the displayed order information page, the terminal device sends the order confirmation information to the first server .
  • the first server After receiving the order confirmation information, the first server generates an order corresponding to the order confirmation information; and sends the order to the second server.
  • the second server After receiving the order, the second server sends the second address corresponding to the unified payment gateway to the first server.
  • the acquirer After receiving the second address corresponding to the unified payment gateway, the acquirer sends the second address corresponding to the unified payment gateway to the terminal device.
  • the terminal device accesses the page of the second address corresponding to the unified payment gateway, and based on the page, calls the payment component to pay for the order.
  • the second server when sending the second address corresponding to the unified payment gateway to the first server, may send the URL address including the second address corresponding to the unified payment gateway to the first server. Based on this, receiving the second address of the unified payment gateway sent by the second server may include: receiving a URL address sent by the second server; where the URL address includes the second address corresponding to the unified payment gateway.
  • the second server may generate a URL address including the second address corresponding to the unified payment gateway based on the second address corresponding to the unified payment gateway.
  • the acquirer when it sends the second address corresponding to the unified payment gateway to the terminal device, it may send page jump information to the terminal device, and the page jump information includes the second address corresponding to the unified payment gateway. address. Based on this, feeding back the second address to the terminal device may include: sending page jump information to the terminal device; where the page jump information includes the second address corresponding to the unified payment gateway.
  • the embodiment of the present application also provides a payment method applied to the second server, as shown in FIG. 8.
  • Fig. 8 shows a schematic flowchart of a payment method applied to a second server provided by an embodiment of the present application.
  • the payment method applied to the second server may include:
  • S601 Receive an order sent by the first server.
  • the order is an order corresponding to the order confirmation information sent by the terminal device to the first server
  • the order confirmation information is sent by the terminal device based on the first page corresponding to the first address
  • the first address is the terminal device identifying the target through the first app
  • the address obtained by the graphic identifier, the first app is one of a plurality of optional apps, and the optional apps include apps with payment functions and apps without payment functions.
  • S602 Send the second address corresponding to the unified payment gateway to the first server, so that the first server feeds back the second address to the terminal device, and the terminal device calls the payment tool to pay for the order based on the page corresponding to the second address.
  • the first app recognizes the target graphic identifier to obtain the first address, the first app has a graphic identifier recognition function.
  • the terminal device recognizes the target graphic identifier through the first app to obtain the first address.
  • the graphic identifier mentioned in the embodiment of the present application may be a one-dimensional barcode or a two-dimensional barcode.
  • the first address corresponding to the graphic identifier may be a URL address.
  • the page corresponding to the first address may be a payment page for directly making payments to the merchant, or may be a display page of the merchant's merchandise.
  • the order confirmation information may be directly sent to the first server based on the page.
  • the user When the page corresponding to the first address is the display page of the merchant’s merchandise, the user needs to enter the order information confirmation page through the process of page browsing, merchandise selection, and confirmation of the merchandise to be purchased. After the user confirms the order information, the first The server sends the order confirmation message.
  • the terminal device uses the application to scan the QR code of the merchant to identify the address corresponding to the QR code; uses the browser to access the identified address, and then sends the order information page access request to the first server;
  • the server responds to the order information page access request and feeds back the order information page to the terminal device;
  • the terminal device displays the order information page; after the user confirms that the order information is correct based on the displayed order information page, the terminal device sends the order confirmation information to the first server .
  • the first server After receiving the order confirmation information, the first server generates an order corresponding to the order confirmation information; and sends the order to the second server.
  • the second server After receiving the order, the second server sends the second address corresponding to the unified payment gateway to the first server.
  • the acquirer After receiving the second address corresponding to the unified payment gateway, the acquirer sends the second address corresponding to the unified payment gateway to the terminal device.
  • the terminal device accesses the page of the second address corresponding to the unified payment gateway, and based on the page, calls the payment component to pay for the order.
  • the second server when sending the second address corresponding to the unified payment gateway to the first server, may send the URL address including the second address corresponding to the unified payment gateway to the first server.
  • the payment method applied to the second server before sending the URL address including the second address corresponding to the unified payment gateway to the first server, may further include: The URL address of the second address corresponding to the payment gateway.
  • the payment method applied to the second server provided by the embodiment of the present application may further include: sending payment component configuration parameters to the terminal device, so that the terminal device calls the payment component corresponding to the payment component configuration parameter Make a payment.
  • the payment component configuration parameter is used to instruct to call the payment component that comes with the first app for order payment.
  • the terminal device After receiving the payment component configuration parameters, the terminal device calls the payment component of the first app to pay for the order.
  • the terminal device scans the code through a certain treasure with a payment component
  • the payment component configuration parameters sent by the second server to the terminal device are used to instruct the payment component of the certain treasure to be used for payment; the terminal device calls a certain treasure The payment component that comes with Baobao for order payment.
  • the payment component configuration parameter is used to instruct to call the default payment component of the second server for order payment.
  • the payment component set by the second server by default is a payment component of a certain treasure.
  • the payment component configuration parameter sent by the second server to the terminal device is used to instruct the payment component of a certain treasure to be used for payment; the terminal device invokes the payment component of a certain treasure to pay for the order.
  • the payment component configuration parameter is used to instruct to call the default payment component of the terminal device for order payment.
  • the default payment component of the terminal device is a payment component of a certain treasure. Then the payment component configuration parameters sent by the second server to the terminal device are used to instruct to call the default payment component of the terminal device for payment; the terminal device calls the payment component of a certain treasure to pay for the order.
  • the second server may send configuration parameters corresponding to at least two payment components to the terminal device.
  • the terminal device may first show the user the options of at least two payment components; and then call the selected payment component to pay for the order.
  • the configuration parameters corresponding to at least two payment components that the second server can send to the terminal device are the configuration parameters corresponding to the payment component of a certain treasure, the configuration parameters corresponding to the payment component of certain letter, and the payment component of certain communication.
  • the corresponding configuration parameters After receiving the payment component configuration parameters sent by the second server, the terminal device displays the options of the payment component of a treasure, the payment component of a letter, and the payment component of a communication to the user for selection. Assuming that the user selects a payment component of a certain pass, the payment component of a certain pass is called to pay for the order.
  • FIG. 9 shows a schematic structural diagram of a payment device applied to a terminal device according to an embodiment of the present application.
  • Payment devices applied to terminal equipment may include:
  • the identification module 701 is used to identify the target graphic identifier through the first application app to obtain the first address.
  • the first app is one of multiple optional apps, and the optional apps include apps with payment functions and apps without payment functions.
  • the order confirmation information sending module 702 is configured to send order confirmation information to the first server based on the first page corresponding to the first address, so that the first server generates an order corresponding to the order confirmation information, and the first server sends the order to the first server.
  • the second server the first server receives and feeds back the second address corresponding to the unified payment gateway sent by the second server.
  • the address receiving module 703 is configured to receive the second address fed back by the first server.
  • the payment module 704 is configured to call the payment component to pay for the order based on the second page corresponding to the second address.
  • the first app includes:
  • the address receiving module 703 is specifically configured to:
  • the payment module 704 includes:
  • a payment component configuration parameter receiving unit configured to receive payment component configuration parameters sent by the second server
  • the payment unit is used to call the payment component corresponding to the configuration parameter of the payment component for payment.
  • the payment component configuration parameter is used to instruct to call the payment component that comes with the first app for order payment.
  • the payment component configuration parameter is used to instruct to call the payment component defaulted by the second server for order payment.
  • the payment component configuration parameter is used to instruct to call the default payment component of the terminal device for order payment.
  • the payment component configuration parameters sent by the second server include configuration parameters corresponding to at least two payment components.
  • the payment unit is specifically used to: show the user options of at least two payment components; call the selected payment component to pay for the order.
  • the payment device applied to terminal equipment provided in the embodiment of the present application further includes:
  • the legality verification module is used to verify the legality of the first address.
  • the legality verification module is specifically used for:
  • the legality verification module is specifically used for:
  • the legality verification module is specifically used for:
  • FIG. 10 shows a schematic structural diagram of a payment device applied to a first server according to an embodiment of the present application.
  • the payment device applied to the first server may include:
  • the order generation module 801 is used to generate an order corresponding to the order confirmation information sent by the terminal device.
  • the order confirmation information is sent by the terminal device based on the first page corresponding to the first address
  • the first address is the address obtained by the terminal device through the first app identifying the target graphic identifier
  • the first app is one of the multiple selectable apps
  • optional apps include apps with payment functions and apps without payment functions.
  • the order sending module 802 is used to send the order to the second server.
  • the address receiving module 803 is configured to receive the second address corresponding to the unified payment gateway sent by the second server.
  • the address feedback module 804 is configured to feed back the second address to the terminal device, so that the terminal device calls the payment component to pay for the order based on the page corresponding to the second address.
  • the address receiving module 803 is specifically configured to:
  • the address feedback module 804 is specifically used for:
  • FIG. 11 shows a schematic structural diagram of a payment device applied to a second server provided by an embodiment of the present application.
  • the payment device applied to the second server may include:
  • the order receiving module 901 is configured to receive an order sent by the first server.
  • the order is an order corresponding to the order confirmation information sent by the terminal device to the first server
  • the order confirmation information is sent by the terminal device based on the first page corresponding to the first address
  • the first address is the terminal device identifying the target through the first app
  • the address obtained by the graphic identifier, the first app is one of a plurality of optional apps, and the optional apps include apps with payment functions and apps without payment functions.
  • the address sending module 902 is configured to send the second address corresponding to the unified payment gateway to the first server, so that the first server feeds back the second address to the terminal device, and the terminal device calls the payment tool to place an order based on the page corresponding to the second address Paid.
  • the address sending module 902 is specifically configured to:
  • the payment device applied to the second server provided in the embodiment of the present application further includes:
  • the address generating module is used to generate a URL address including the second address corresponding to the unified payment gateway.
  • the payment device applied to the second server provided in the embodiment of the present application further includes:
  • the payment component configuration parameter sending module is used to send the payment component configuration parameters to the terminal device so that the terminal device can call the payment component corresponding to the payment component configuration parameter to make a payment.
  • the payment component configuration parameter is used to instruct to call the payment component that comes with the first app for order payment.
  • the payment component configuration parameter is used to instruct to call the payment component defaulted by the second server for order payment.
  • the payment component configuration parameter is used to instruct to call the default payment component of the terminal device for order payment.
  • the payment component configuration parameters include configuration parameters corresponding to at least two payment components, so that the terminal device displays the options of the at least two payment components to the user, and calls the selected payment component to pay for the order.
  • Fig. 12 shows a structural diagram of an exemplary hardware architecture of a computing device capable of implementing the payment method and device according to the embodiments of the present application.
  • the computing device 100 includes an input device 101, an input interface 102, a central processing unit 103, a memory 104, an output interface 105, and an output device 106.
  • the input interface 102, the central processing unit 103, the memory 104, and the output interface 105 are connected to each other through the bus 110
  • the input device 101 and the output device 106 are connected to the bus 110 through the input interface 102 and the output interface 105, respectively, and then to the computing device 100
  • the other components are connected.
  • the input device 101 receives input information from the outside, and transmits the input information to the central processing unit 103 through the input interface 102; the central processing unit 103 processes the input information based on computer executable instructions stored in the memory 104 to generate output Information, the output information is temporarily or permanently stored in the memory 104, and then the output information is transmitted to the output device 106 through the output interface 105; the output device 106 outputs the output information to the outside of the computing device 100 for the user to use.
  • the computing device shown in FIG. 12 can also be implemented as a payment device.
  • the payment device can include: a memory storing computer-executable instructions; and a processor, which can be implemented when the computer-executable instructions are executed.
  • the payment method and device provided in the embodiments of the application.
  • the embodiment of the present application also provides a computer-readable storage medium on which computer program instructions are stored; when the computer program instructions are executed by a processor, the payment method provided in the embodiments of the present application is implemented.

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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本申请实施例公开了一种支付方法、装置、设备、系统及存储介质。该方法包括：通过第一应用程序app识别目标图形标识符，以获得第一地址；其中，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app；基于第一地址对应的第一页面，向第一服务器发送订单确认信息；接收第一服务器反馈的统一支付网关对应的第二地址；基于第二地址对应的第二页面，调用支付组件进行订单支付。本申请实施例的支付方法、装置、设备、系统及存储介质，能够减少对接成本，提高支付效率，并且用户利用任意app扫码均能完成支付。

Description

支付方法、装置、设备、系统及存储介质
相关申请的交叉引用
本申请要求享有于2019年05月17日提交的名称为“支付方法、装置、设备、系统及存储介质”的中国专利申请第201910415316.X号的优先权，该申请的全部内容通过引用并入本文中。
技术领域
本申请涉及移动支付技术领域，尤其涉及一种支付方法、装置、设备、系统及存储介质。
背景技术
在目前的基于二维码支付的过程中，为了满足用户的支付需求，收单机构服务器需要对接不同的第三方支付工具，对接成本较高。同时，用户也无法自由地使用任意应用程序(Application，APP)扫码完成支付，支付效率较低。
发明内容
本申请实施例提供一种支付方法、装置、设备、系统及存储介质，能够减少对接成本，提高支付效率，并且利用任意应用程序扫码均能完成支付。
第一方面，本申请实施例提供了一种支付方法，方法包括：
通过第一应用程序app识别目标图形标识符，以获得第一地址；其中，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app；
基于第一地址对应的第一页面，向第一服务器发送订单确认信息，以使第一服务器生成与订单确认信息对应的订单，第一服务器将订单发送至 第二服务器，第一服务器接收并反馈第二服务器发送的统一支付网关对应的第二地址；
接收第一服务器反馈的第二地址；
基于第二地址对应的第二页面，调用支付组件进行订单支付。
第二方面，本申请实施例提供一种支付方法，方法包括：
生成与终端设备发送的订单确认信息对应的订单；其中，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app；
将订单发送至第二服务器；
接收第二服务器发送的统一支付网关对应的第二地址；
将第二地址反馈至终端设备，以使终端设备基于第二地址对应的页面，调用支付组件进行订单支付。
第三方面，本申请实施例提供一种支付方法，方法包括：
接收第一服务器发送的订单；其中，订单为与终端设备向第一服务器发送的订单确认信息对应的订单，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app；
发送统一支付网关对应的第二地址至第一服务器，以使第一服务器将第二地址反馈至终端设备，终端设备基于第二地址对应的页面，调用支付工具进行订单支付。
第四方面，本申请实施例提供一种支付装置，装置包括：
识别模块，用于通过第一应用程序app识别目标图形标识符，以获得第一地址；其中，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app；
订单确认信息发送模块，用于基于第一地址对应的第一页面，向第一服务器发送订单确认信息，以使第一服务器生成与订单确认信息对应的订单，第一服务器将订单发送至第二服务器，第一服务器接收并反馈第二服 务器发送的统一支付网关对应的第二地址；
地址接收模块，用于接收第一服务器反馈的第二地址；
支付模块，用于基于第二地址对应的第二页面，调用支付组件进行订单支付。
第五方面，本申请实施例提供一种支付装置，装置包括：
订单生成模块，用于生成与终端设备发送的订单确认信息对应的订单；其中，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app；
订单发送模块，用于将订单发送至第二服务器；
地址接收模块，用于接收第二服务器发送的统一支付网关对应的第二地址；
地址反馈模块，用于将第二地址反馈至终端设备，以使终端设备基于第二地址对应的页面，调用支付组件进行订单支付。
第六方面，本申请实施例提供一种支付装置，装置包括：
订单接收模块，用于接收第一服务器发送的订单；其中，订单为与终端设备向第一服务器发送的订单确认信息对应的订单，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app；
地址发送模块，用于发送统一支付网关对应的第二地址至第一服务器，以使第一服务器将第二地址反馈至终端设备，终端设备基于第二地址对应的页面，调用支付工具进行订单支付。
第七方面，本申请实施例提供了一种支付设备，包括处理器、存储器及存储在存储器上并可在处理器上运行的计算机程序，计算机程序被处理器执行时实现本申请实施例提供的支付方法的步骤。
第八方面，本申请实施例提供了一种计算机可读存储介质，计算机可读存储介质上存储计算机程序，计算机程序被处理器执行时实现本申请实 施例提供的支付方法的步骤。
第九方面，本申请实施例提供一种支付系统，系统包括：第一服务器和第二服务器；
第一服务器，用于生成与终端设备发送的订单确认信息对应的订单；将订单发送至第二服务器；接收第二服务器发送的统一支付网关对应的第二地址；将第二地址反馈至终端设备，以使终端设备基于第二地址对应的页面，调用支付组件进行订单支付；其中，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app；
第二服务器，用于接收第一服务器发送的订单；发送第二地址至第一服务器，以使第一服务器将第二地址反馈至终端设备。
根据本申请实施例的支付方法、装置、设备、系统及存储介质，终端设备通过第一应用程序app识别目标图形标识符，以获得第一地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app；基于第一地址对应的第一页面，向第一服务器发送订单确认信息；第一服务器生成与该订单确认信息对应的订单，并将该发送至第二服务器；第二服务器接收第一服务器发送的订单，发送统一支付网关对应的第二地址至第一服务器；第一服务器将该第二地址反馈给终端设备；终端设备基于该第二地址对应的第二页面，调用支付组件进行订单支付。终端设备可以利用任意app扫码均能完成支付。并且收单机构无需对接不同的第三方支付工具，能够减少对接成本，提高支付效率。
附图说明
为了更清楚地说明本申请实施例的技术方案，下面将对本申请实施例中所需要使用的附图作简单地介绍，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1示出了本申请实施例提供的支付系统的结构示意图；
图2示出了本申请实施例提供的利用具备支付功能的第一app进行图 形标识符识别及支付的过程示意图；
图3示出了本申请实施例提供的利用不具备支付功能的第一app进行图形标识符识别及支付的第一种过程示意图；
图4示出了本申请实施例提供的利用不具备支付功能的第一app进行图形标识符识别及支付的第二种过程示意图；
图5示出了本申请实施例提供的利用不具备支付功能的第一app进行图形标识符识别及支付的第三种过程示意图；
图6示出了本申请实施例提供的应用于终端设备的支付方法的流程示意图；
图7示出了本申请实施例提供的应用于第一服务器的支付方法的流程示意图；
图8示出了本申请实施例提供的应用于第二服务器的支付方法的流程示意图；
图9示出了本申请实施例提供的应用于终端设备的支付处理装置的结构示意图；
图10示出了本申请实施例提供的应用于第一服务器的支付装置的结构示意图；
图11示出了本申请实施例提供的应用于第二服务器的支付装置的结构示意图；
图12示出了能够实现根据本申请实施例的支付方法及装置的计算设备的示例性硬件架构的结构图。
具体实施方式
下面结合附图和实施例对本申请的实施方式作进一步详细描述。以下实施例的详细描述和附图用于示例性地说明本申请的原理，但不能用来限制本申请的范围，即本申请不限于所描述的实施例。
为了解决现有技术问题，本申请实施例提供一种支付方法、装置、设备、系统及存储介质，来减少对接成本，提高支付效率以及使用户利用任意应用程序扫码均能完成支付。下面首先对本申请实施例提供的支付系统 进行说明。
如图1所示，图1示出了本申请实施例提供的支付系统的结构示意图。支付系统可以包括：第一服务器和第二服务器。其中，
第一服务器，用于生成与终端设备发送的订单确认信息对应的订单；将订单发送至第二服务器；接收第二服务器发送的统一支付网关对应的第二地址；将第二地址反馈至终端设备，以使终端设备基于第二地址对应的页面，调用支付组件进行订单支付；其中，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app。
第二服务器，用于接收第一服务器发送的订单；发送第二地址至第一服务器，以使第一服务器将第二地址反馈至终端设备。
根据本申请实施例提供的支付系统，能够减少对接成本，提高支付效率以及用户利用任意应用程序扫码均能完成支付。
在本申请的一个实施例中，第一服务器可以为收单机构服务器，第二服务器可以为清算机构服务器。统一支付网关可以为清算机构统一支付网关。
在本申请的一个实施例中，第一app可以为具备支付功能的app，也可以为不具备支付功能的app。下面分别对第一app为具备支付功能的app和第一app为不具备支付功能的app的情况进行说明。
图2示出了本申请实施例提供的利用具备支付功能的第一app进行图形标识符识别及支付的过程示意图。
第一app可以为支付类app，比如：某东app、某宝app、某信app、某通app或某银行app等。
可以理解的是，通过第一app识别目标图形标识符，以获得第一地址，则该第一app具备图形标识符识别功能。本申请实施例中所提到的图形标识符可以为一维条形码或二维条形码(简称二维码)等。
在本申请的一个实施例中，图形标识符对应的第一地址可以为统一资源定位符(Uniform Resource Locator，URL)地址。
首先，终端设备通过第一app识别目标图形标识符，以获得第一地址。
在本申请的一个实施例中，该第一地址对应的页面可以为直接向商户进行支付的支付页面，也可以为商户商品的展示页面。
当该第一地址对应的页面为直接向商户进行支付的支付页面时，可以基于该页面，直接向第一服务器发送订单确认信息。
当该第一地址对应的页面为商户商品的展示页面时，用户需要通过页面浏览、商品选择和待购买商品确认等流程，进入到订单信息确认页面，在用户对订单信息确认后，向第一服务器发送订单确认信息。
示例性的，终端设备利用应用程序对商户二维码进行扫描，识别出二维码对应的地址；利用浏览器访问所识别出的地址，进而向第一服务器发送订单信息页面访问请求；第一服务器响应该订单信息页面访问请求，并向终端设备反馈订单信息页面；终端设备展示该订单信息页面；用户基于所展示的订单信息页面确认订单信息无误后，终端设备向第一服务器发送订单确认信息。
第一服务器在接收到该订单确认信息后，生成与该订单确认信息对应的订单；将该订单发送至第二服务器。
第二服务器在收到该订单后，发送统一支付网关对应的第二地址至第一服务器。
收单机构在接收到统一支付网关对应的第二地址后，将该统一支付网关对应的第二地址发送给终端设备。
终端设备访问统一支付网关对应的第二地址的页面，基于该页面，调用支付组件进行订单支付。然后将支付结果展示给用户。
在本申请的一个实施例中，第二服务器在发送统一支付网关对应的第二地址至第一服务器时，可以向第一服务器发送包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，第二服务器可以基于统一支付网关对应的第二地址，生成包括统一支付网关对应的第二地址的URL地址。
本申请实施例并不对生成包括统一支付网关对应的第二地址的URL地址的过程进行限行，任何可用的方法均可应用于本申请实施例中。
在本申请的一个实施例中，收单机构将统一支付网关对应的第二地址发送给终端设备时，可以向终端设备发送页面跳转信息，该页面跳转信息包括统一支付网关对应的第二地址。终端设备在接收到该页面跳转信息后，页面跳转至统一支付网关对应的第二地址对应的页面。
在本申请的一个实施例中，第二服务器可以向终端设备发送支付组件配置参数。
终端设备在接收到该支付组件配置参数后，调用该支付组件配置参数对应的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用第一app自带的支付组件进行订单支付。终端设备在接收到该支付组件配置参数后，调用第一app自带的支付组件进行订单支付。
示例性的，假设终端设备通过带有支付组件的某宝进行扫码，则第二服务器向终端设备发送的支付组件配置参数用于指示调用某宝自带的支付组件进行支付；终端设备调用某宝自带的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用第二服务器默认设置的支付组件进行订单支付。
示例性的，假设第二服务器默认设置的支付组件为某宝的支付组件。则第二服务器向终端设备发送的支付组件配置参数用于指示调用某宝的支付组件进行支付；终端设备调用某宝的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用终端设备默认的支付组件进行订单支付。
示例性的，假设终端设备默认的支付组件为某宝的支付组件。则第二服务器向终端设备发送的支付组件配置参数用于指示调用终端设备默认的支付组件进行支付；终端设备调用某宝的支付组件进行订单支付。
在本申请的一个实施例中，第二服务器可以向终端设备发送至少两个支付组件对应的配置参数。此时，终端设备可以先向用户展示至少两个支付组件的选项；然后调用被选中的支付组件进行订单支付。
示例性的，假设第二服务器可以向终端设备发送的至少两个支付组件对应的配置参数分别为某宝的支付组件对应的配置参数、某信的支付组件 对应的配置参数、某付的支付组件对应的配置参数和某通的支付组件对应的配置参数。终端设备在接收到第二服务器发送的支付组件配置参数后，向用户展示某宝的支付组件、某信的支付组件、某付的支付组件和某通的支付组件的选项以供用户选择。假设用户选择某付的支付组件，则调用某付的支付组件进行订单支付。
在本申请的一个实施例中，在终端设备向第一服务器发送订单确定信息之前，终端设备还可以对识别出的第一地址进行合法性验证。
对识别出的第一地址进行合法性验证，包括但不限于以下所列的几种方式：
方式一：判断第一地址中的域名是否存在于合法域名数据库中；若存在，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中的域名为：XXXX.com。判断XXXX.com是否存在于合法域名数据库中，若XXXX.com存在于合法域名数据库中，则第一地址“https://www.XXXX.com/A”合法。
方式二：判断第一地址中是否存在特定字符串；若存在，则表示第一地址合法。
示例性的，假设特定字符串为payicbc。则判断第一地址中是否存在特定字符串“payicbc”。
假设第一地址为https://www.XXXX.com/UWd1pgw-pA7EnHcfYrjnzni。则第一地址中不存在特定字符串“payicbc”，此时第一地址不合法。
假设第一地址为https://www.XXXX.com/UWd1pgwpayicbcfYrjnzni。则第一地址中存在特定字符串“payicbc”，此时第一地址合法。
在本申请的一个实施例中，特定字符串可以为清算机构和收单机构约定的字符串。
方式三：获取第一地址中的域名对应的签名结果；对该签名结果进行解密，得到解密结果；判断第一地址中的域名与解密结果是否相同；若相同，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中 的域名为：XXXX.com。A为域名“XXXX.com”对应的签名结果。
对签名结果进行解密，得到解密结果P，若域名“XXXX.com”与解密结果P相同，则表示第一地址合法。
在本申请的实施例中，收单机构在向清算机构提交二维码生成请求时，可以使用清算机构私钥对域名进行签名，生成域名对应的签名结果。终端设备在扫码后，利用清算机构公钥对签名结果进行解密，得到解密结果，如果第一地址中的域名与解密结果相同，则表示第一地址合法。
通过对第一地址进行合法性验证，能够避免用户访问非法站点，保证用户财产安全。
图3示出了本申请实施例提供的利用不具备支付功能的第一app进行图形标识符识别及支付的第一种过程示意图。
第一app可以为：浏览器类app、拍照类app、聊天类app、视频类app、新闻类app、医院类app或交通类app等。
可以理解的是，通过第一app识别目标图形标识符，以获得第一地址，则该第一app具备图形标识符识别功能。
首先，终端设备通过第一app识别目标图形标识符，以获得第一地址。
在本申请的一个实施例中，该第一地址对应的页面可以为直接向商户进行支付的支付页面，也可以为商户商品的展示页面。
当该第一地址对应的页面为直接向商户进行支付的支付页面时，可以基于该页面，直接向第一服务器发送订单确认信息。
当该第一地址对应的页面为商户商品的展示页面时，用户需要通过页面浏览、商品选择和待购买商品确认等流程，进入到订单信息确认页面，在用户对订单信息确认后，向第一服务器发送订单确认信息。
示例性的，终端设备利用应用程序对商户二维码进行扫描，识别出二维码对应的地址；利用浏览器访问所识别出的地址，进而向第一服务器发送订单信息页面访问请求；第一服务器响应该订单信息页面访问请求，并向终端设备反馈订单信息页面；终端设备展示该订单信息页面；用户基于所展示的订单信息页面确认订单信息无误后，终端设备向第一服务器发送订单确认信息。
第一服务器在接收到该订单确认信息后，生成与该订单确认信息对应的订单；将该订单发送至第二服务器。
第二服务器在收到该订单后，发送统一支付网关对应的第二地址至第一服务器。
收单机构在接收到统一支付网关对应的第二地址后，将该统一支付网关对应的第二地址发送给终端设备。
终端设备访问统一支付网关对应的第二地址的页面，基于该页面，调用支付组件进行订单支付。然后将支付结果展示给用户。
在本申请的一个实施例中，第二服务器在发送统一支付网关对应的第二地址至第一服务器时，可以向第一服务器发送包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，第二服务器可以基于统一支付网关对应的第二地址，生成包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，收单机构将统一支付网关对应的第二地址发送给终端设备时，可以向终端设备发送页面跳转信息，该页面跳转信息包括统一支付网关对应的第二地址。终端设备在接收到该页面跳转信息后，页面跳转至统一支付网关对应的第二地址对应的页面。
在本申请的一个实施例中，第二服务器可以向终端设备发送支付组件配置参数。
终端设备在接收到该支付组件配置参数后，调用该支付组件配置参数对应的支付组件进行订单支付。
在本申请的一个实施例中，第二服务器可以向终端设备发送至少两个支付组件对应的配置参数。此时，终端设备可以先向用户展示至少两个支付组件的选项；然后调用被选中的支付组件进行订单支付。
示例性的，假设第二服务器可以向终端设备发送的至少两个支付组件对应的配置参数分别为某宝的支付组件对应的配置参数、某信的支付组件对应的配置参数和某通的支付组件对应的配置参数。终端设备在接收到第二服务器发送的支付组件配置参数后，向用户展示某宝的支付组件、某信的支付组件和某通的支付组件的选项以供用户选择。假设用户选择某通的 支付组件，则调用某通的支付组件进行订单支付。
在本申请的一个实施例中，在终端设备向第一服务器发送订单确定信息之前，终端设备还可以对识别出的第一地址进行合法性验证。
对识别出的第一地址进行合法性验证，包括但不限于以下所列的几种方式：
方式一：判断第一地址中的域名是否存在于合法域名数据库中；若存在，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中的域名为：XXXX.com。判断XXXX.com是否存在于合法域名数据库中，若XXXX.com存在于合法域名数据库中，则第一地址“https://www.XXXX.com/A”合法。
方式二：判断第一地址中是否存在特定字符串；若存在，则表示第一地址合法。
示例性的，假设特定字符串为payicbc。则判断第一地址中是否存在特定字符串“payicbc”。
假设第一地址为https://www.XXXX.com/UWd1pgw-pA7EnHcfYrjnzni。则第一地址中不存在特定字符串“payicbc”，此时第一地址不合法。
假设第一地址为https://www.XXXX.com/UWd1pgwpayicbcfYrjnzni。则第一地址中存在特定字符串“payicbc”，此时第一地址合法。
在本申请的一个实施例中，特定字符串可以为清算机构和收单机构约定的字符串。
方式三：获取第一地址中的域名对应的签名结果；对该签名结果进行解密，得到解密结果；判断第一地址中的域名与解密结果是否相同；若相同，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中的域名为：XXXX.com。A为域名“XXXX.com”对应的签名结果。
对签名结果进行解密，得到解密结果P，若域名“XXXX.com”与解密结果P相同，则表示第一地址合法。
在本申请的实施例中，收单机构在向清算机构提交二维码生成请求时， 可以使用清算机构私钥对域名进行签名，生成域名对应的签名结果。终端设备在扫码后，利用清算机构公钥对签名结果进行解密，得到解密结果，如果第一地址中的域名与解密结果相同，则表示第一地址合法。
通过对第一地址进行合法性验证，能够避免用户访问非法站点，保证用户财产安全。
图4示出了本申请实施例提供的利用不具备支付功能的第一app进行图形标识符识别及支付的第二种过程示意图。
可以理解的是，通过第一app识别目标图形标识符，以获得第一地址，则该第一app具备图形标识符识别功能。
首先，终端设备通过第一app识别目标图形标识符，以获得第一地址。
在本申请的一个实施例中，该第一地址对应的页面可以为直接向商户进行支付的支付页面，也可以为商户商品的展示页面。
当该第一地址对应的页面为直接向商户进行支付的支付页面时，可以基于该页面，直接向第一服务器发送订单确认信息。
当该第一地址对应的页面为商户商品的展示页面时，用户需要通过页面浏览、商品选择和待购买商品确认等流程，进入到订单信息确认页面，在用户对订单信息确认后，向第一服务器发送订单确认信息。
示例性的，终端设备利用应用程序对商户二维码进行扫描，识别出二维码对应的地址；利用浏览器访问所识别出的地址，进而向第一服务器发送订单信息页面访问请求；第一服务器响应该订单信息页面访问请求，并向终端设备反馈订单信息页面；终端设备展示该订单信息页面；用户基于所展示的订单信息页面确认订单信息无误后，终端设备向第一服务器发送订单确认信息。
第一服务器在接收到该订单确认信息后，生成与该订单确认信息对应的订单；将该订单发送至第二服务器。
第二服务器在收到该订单后，发送统一支付网关对应的第二地址至第一服务器。
收单机构在接收到统一支付网关对应的第二地址后，将该统一支付网关对应的第二地址发送给终端设备。
终端设备访问统一支付网关对应的第二地址的页面，基于该页面，调用支付组件进行订单支付。然后将支付结果展示给用户。
在本申请的一个实施例中，第二服务器在发送统一支付网关对应的第二地址至第一服务器时，可以向第一服务器发送包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，第二服务器可以基于统一支付网关对应的第二地址，生成包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，收单机构将统一支付网关对应的第二地址发送给终端设备时，可以向终端设备发送页面跳转信息，该页面跳转信息包括统一支付网关对应的第二地址。终端设备在接收到该页面跳转信息后，页面跳转至统一支付网关对应的第二地址对应的页面。
在本申请的一个实施例中，第二服务器可以向终端设备发送支付组件配置参数。
终端设备在接收到该支付组件配置参数后，调用该支付组件配置参数对应的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用第二服务器默认设置的支付组件进行订单支付。
示例性的，假设第二服务器默认设置的支付组件为某宝的支付组件。则第二服务器向终端设备发送的支付组件配置参数用于指示调用某宝的支付组件进行支付；终端设备调用某宝的支付组件进行订单支付。
在本申请的一个实施例中，在终端设备向第一服务器发送订单确定信息之前，终端设备还可以对识别出的第一地址进行合法性验证。
对识别出的第一地址进行合法性验证，包括但不限于以下所列的几种方式：
方式一：判断第一地址中的域名是否存在于合法域名数据库中；若存在，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中的域名为：XXXX.com。判断XXXX.com是否存在于合法域名数据库中，若XXXX.com存在于合法域名数据库中，则第一地址 “https://www.XXXX.com/A”合法。
方式二：判断第一地址中是否存在特定字符串；若存在，则表示第一地址合法。
示例性的，假设特定字符串为payicbc。则判断第一地址中是否存在特定字符串“payicbc”。
假设第一地址为https://www.XXXX.com/UWd1pgw-pA7EnHcfYrjnzni。则第一地址中不存在特定字符串“payicbc”，此时第一地址不合法。
假设第一地址为https://www.XXXX.com/UWd1pgwpayicbcfYrjnzni。则第一地址中存在特定字符串“payicbc”，此时第一地址合法。
在本申请的一个实施例中，特定字符串可以为清算机构和收单机构约定的字符串。
方式三：获取第一地址中的域名对应的签名结果；对该签名结果进行解密，得到解密结果；判断第一地址中的域名与解密结果是否相同；若相同，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中的域名为：XXXX.com。A为域名“XXXX.com”对应的签名结果。
对签名结果进行解密，得到解密结果P，若域名“XXXX.com”与解密结果P相同，则表示第一地址合法。
在本申请的实施例中，收单机构在向清算机构提交二维码生成请求时，可以使用清算机构私钥对域名进行签名，生成域名对应的签名结果。终端设备在扫码后，利用清算机构公钥对签名结果进行解密，得到解密结果，如果第一地址中的域名与解密结果相同，则表示第一地址合法。
通过对第一地址进行合法性验证，能够避免用户访问非法站点，保证用户财产安全。
图5示出了本申请实施例提供的利用不具备支付功能的第一app进行图形标识符识别及支付的第三种过程示意图。
可以理解的是，通过第一app识别目标图形标识符，以获得第一地址，则该第一app具备图形标识符识别功能。
首先，终端设备通过第一app识别目标图形标识符，以获得第一地址。
在本申请的一个实施例中，该第一地址对应的页面可以为直接向商户进行支付的支付页面，也可以为商户商品的展示页面。
当该第一地址对应的页面为直接向商户进行支付的支付页面时，可以基于该页面，直接向第一服务器发送订单确认信息。
当该第一地址对应的页面为商户商品的展示页面时，用户需要通过页面浏览、商品选择和待购买商品确认等流程，进入到订单信息确认页面，在用户对订单信息确认后，向第一服务器发送订单确认信息。
示例性的，终端设备利用应用程序对商户二维码进行扫描，识别出二维码对应的地址；利用浏览器访问所识别出的地址，进而向第一服务器发送订单信息页面访问请求；第一服务器响应该订单信息页面访问请求，并向终端设备反馈订单信息页面；终端设备展示该订单信息页面；用户基于所展示的订单信息页面确认订单信息无误后，终端设备向第一服务器发送订单确认信息。
第一服务器在接收到该订单确认信息后，生成与该订单确认信息对应的订单；将该订单发送至第二服务器。
第二服务器在收到该订单后，发送统一支付网关对应的第二地址至第一服务器。
收单机构在接收到统一支付网关对应的第二地址后，将该统一支付网关对应的第二地址发送给终端设备。
终端设备访问统一支付网关对应的第二地址的页面，基于该页面，调用支付组件进行订单支付。然后将支付结果展示给用户。
在本申请的一个实施例中，第二服务器在发送统一支付网关对应的第二地址至第一服务器时，可以向第一服务器发送包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，第二服务器可以基于统一支付网关对应的第二地址，生成包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，收单机构将统一支付网关对应的第二地址发送给终端设备时，可以向终端设备发送页面跳转信息，该页面跳转信息包括统一支付网关对应的第二地址。终端设备在接收到该页面跳转信息后， 页面跳转至统一支付网关对应的第二地址对应的页面。
在本申请的一个实施例中，第二服务器可以向终端设备发送支付组件配置参数。
终端设备在接收到该支付组件配置参数后，调用该支付组件配置参数对应的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用终端设备默认的支付组件进行订单支付。
示例性的，假设终端设备默认的支付组件为某宝的支付组件。则第二服务器向终端设备发送的支付组件配置参数用于指示调用终端设备默认的支付组件进行支付；终端设备调用某宝的支付组件进行订单支付。
在本申请的一个实施例中，在终端设备向第一服务器发送订单确定信息之前，终端设备还可以对识别出的第一地址进行合法性验证。
对识别出的第一地址进行合法性验证，包括但不限于以下所列的几种方式：
方式一：判断第一地址中的域名是否存在于合法域名数据库中；若存在，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中的域名为：XXXX.com。判断XXXX.com是否存在于合法域名数据库中，若XXXX.com存在于合法域名数据库中，则第一地址“https://www.XXXX.com/A”合法。
方式二：判断第一地址中是否存在特定字符串；若存在，则表示第一地址合法。
示例性的，假设特定字符串为payicbc。则判断第一地址中是否存在特定字符串“payicbc”。
假设第一地址为https://www.XXXX.com/UWd1pgw-pA7EnHcfYrjnzni。则第一地址中不存在特定字符串“payicbc”，此时第一地址不合法。
假设第一地址为https://www.XXXX.com/UWd1pgwpayicbcfYrjnzni。则第一地址中存在特定字符串“payicbc”，此时第一地址合法。
在本申请的一个实施例中，特定字符串可以为清算机构和收单机构约 定的字符串。
方式三：获取第一地址中的域名对应的签名结果；对该签名结果进行解密，得到解密结果；判断第一地址中的域名与解密结果是否相同；若相同，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中的域名为：XXXX.com。A为域名“XXXX.com”对应的签名结果。
对签名结果进行解密，得到解密结果P，若域名“XXXX.com”与解密结果P相同，则表示第一地址合法。
在本申请的实施例中，收单机构在向清算机构提交二维码生成请求时，可以使用清算机构私钥对域名进行签名，生成域名对应的签名结果。终端设备在扫码后，利用清算机构公钥对签名结果进行解密，得到解密结果，如果第一地址中的域名与解密结果相同，则表示第一地址合法。
通过对第一地址进行合法性验证，能够避免用户访问非法站点，保证用户财产安全。
基于上述，本申请实施例提供一种应用于终端设备的支付方法，如图6所示。图6示出了本申请实施例提供的应用于终端设备的支付方法的流程示意图。应用于终端设备的支付方法可以包括：
S401：通过第一应用程序app识别目标图形标识符，以获得第一地址。
其中，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app。
S402：基于第一地址对应的第一页面，向第一服务器发送订单确认信息，以使第一服务器生成与订单确认信息对应的订单，第一服务器将订单发送至第二服务器，第一服务器接收并反馈第二服务器发送的统一支付网关对应的第二地址。
S403：接收第一服务器反馈的第二地址。
S404：基于第二地址对应的第二页面，调用支付组件进行订单支付。
可以理解的是，通过第一app识别目标图形标识符，以获得第一地址，则该第一app具备图形标识符识别功能。
首先，终端设备通过第一app识别目标图形标识符，以获得第一地址。
本申请实施例中所提到的图形标识符可以为一维条形码或二维条形码等。图形标识符对应的第一地址可以为URL地址。
在本申请的一个实施例中，该第一地址对应的页面可以为直接向商户进行支付的支付页面，也可以为商户商品的展示页面。
当该第一地址对应的页面为直接向商户进行支付的支付页面时，可以基于该页面，直接向第一服务器发送订单确认信息。
当该第一地址对应的页面为商户商品的展示页面时，用户需要通过页面浏览、商品选择和待购买商品确认等流程，进入到订单信息确认页面，在用户对订单信息确认后，向第一服务器发送订单确认信息。
示例性的，终端设备利用应用程序对商户二维码进行扫描，识别出二维码对应的地址；利用浏览器访问所识别出的地址，进而向第一服务器发送订单信息页面访问请求；第一服务器响应该订单信息页面访问请求，并向终端设备反馈订单信息页面；终端设备展示该订单信息页面；用户基于所展示的订单信息页面确认订单信息无误后，终端设备向第一服务器发送订单确认信息。
第一服务器在接收到该订单确认信息后，生成与该订单确认信息对应的订单；将该订单发送至第二服务器。
第二服务器在收到该订单后，发送统一支付网关对应的第二地址至第一服务器。
收单机构在接收到统一支付网关对应的第二地址后，将该统一支付网关对应的第二地址发送给终端设备。
终端设备访问统一支付网关对应的第二地址的页面，基于该页面，调用支付组件进行订单支付。然后将支付结果展示给用户。
在本申请的一个实施例中，第一app可以包括：
浏览器类app、拍照类app、聊天类app、视频类app、新闻类app、医院类app、交通类app或支付类app。
在本申请的一个实施例中，收单机构将统一支付网关对应的第二地址发送给终端设备时，可以向终端设备发送页面跳转信息，该页面跳转信息包括统一支付网关对应的第二地址。基于此，接收第一服务器反馈的第二 地址，可以包括：
接收第一服务器发送的页面跳转信息；其中，页面跳转信息包括统一支付网关对应的第二地址。
在本申请的一个实施例中，第二服务器可以向终端设备发送支付组件配置参数。终端设备在接收到该支付组件配置参数后，调用该支付组件配置参数对应的支付组件进行订单支付。基于此，调用支付组件进行订单支付，可以包括：
接收第二服务器发送的支付组件配置参数；
调用与支付组件配置参数对应的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用第一app自带的支付组件进行订单支付。终端设备在接收到该支付组件配置参数后，调用第一app自带的支付组件进行订单支付。
示例性的，假设终端设备通过带有支付组件的某宝进行扫码，则第二服务器向终端设备发送的支付组件配置参数用于指示调用某宝自带的支付组件进行支付；终端设备调用某宝自带的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用第二服务器默认设置的支付组件进行订单支付。
示例性的，假设第二服务器默认设置的支付组件为某宝的支付组件。则第二服务器向终端设备发送的支付组件配置参数用于指示调用某宝的支付组件进行支付；终端设备调用某宝的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用终端设备默认的支付组件进行订单支付。
示例性的，假设终端设备默认的支付组件为某宝的支付组件。则第二服务器向终端设备发送的支付组件配置参数用于指示调用终端设备默认的支付组件进行支付；终端设备调用某宝的支付组件进行订单支付。
在本申请的一个实施例中，第二服务器可以向终端设备发送至少两个支付组件对应的配置参数。此时，终端设备可以先向用户展示至少两个支付组件的选项；然后调用被选中的支付组件进行订单支付。
示例性的，假设第二服务器可以向终端设备发送的至少两个支付组件 对应的配置参数分别为某宝的支付组件对应的配置参数、某信的支付组件对应的配置参数和某通的支付组件对应的配置参数。终端设备在接收到第二服务器发送的支付组件配置参数后，向用户展示某宝的支付组件、某信的支付组件和某通的支付组件的选项以供用户选择。假设用户选择某通的支付组件，则调用某通的支付组件进行订单支付。
通过本申请实施例的支付方法，终端设备可以利用任意应用程序扫码均能完成支付。并且收单机构无需对接不同的第三方支付工具，能够减少对接成本，提高支付效率。
在本申请的一个实施例中，在基于第一地址对应的第一页面，向第一服务器发送订单确认信息之前，本申请实施例提供的应用于终端设备的支付方法还包括：
对第一地址进行合法性验证。
在本申请的一个实施例中，对第一地址进行合法性验证，可以包括：判断第一地址中的域名是否存在于合法域名数据库中；若存在，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中的域名为：XXXX.com。判断XXXX.com是否存在于合法域名数据库中，若XXXX.com存在于合法域名数据库中，则第一地址“https://www.XXXX.com/A”合法。
在本申请的一个实施例中，对第一地址进行合法性验证，可以包括：判断第一地址中是否存在特定字符串；若存在，则表示第一地址合法。
示例性的，假设特定字符串为payicbc。则判断第一地址中是否存在特定字符串“payicbc”。
假设第一地址为https://www.XXXX.com/UWd1pgw-pA7EnHcfYrjnzni。则第一地址中不存在特定字符串“payicbc”，此时第一地址不合法。
假设第一地址为https://www.XXXX.com/UWd1pgwpayicbcfYrjnzni。则第一地址中存在特定字符串“payicbc”，此时第一地址合法。
在本申请的一个实施例中，特定字符串可以为清算机构和收单机构约定的字符串。
在本申请的一个实施例中，对第一地址进行合法性验证，可以包括：获取第一地址中的域名对应的签名结果；对该签名结果进行解密，得到解密结果；判断第一地址中的域名与解密结果是否相同；若相同，则表示第一地址合法。
示例性的，假设第一地址为https://www.XXXX.com/A，则第一地址中的域名为：XXXX.com。A为域名“XXXX.com”对应的签名结果。
对签名结果进行解密，得到解密结果P，若域名“XXXX.com”与解密结果P相同，则表示第一地址合法。
在本申请的实施例中，收单机构在向清算机构提交二维码生成请求时，可以使用清算机构私钥对域名进行签名，生成域名对应的签名结果。终端设备在扫码后，利用清算机构公钥对签名结果进行解密，得到解密结果，如果第一地址中的域名与解密结果相同，则表示第一地址合法。
通过对第一地址进行合法性验证，能够避免用户访问非法站点，保证用户财产安全。
本申请实施例还提供一种应用于第一服务器的支付方法，如图7所示。图7示出了本申请实施例提供的应用于第一服务器的支付方法的流程示意图。应用于第一服务器的支付方法可以包括：
S501：生成与终端设备发送的订单确认信息对应的订单。
其中，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app。
S502：将订单发送至第二服务器。
S503：接收第二服务器发送的统一支付网关对应的第二地址。
S504：将第二地址反馈至终端设备，以使终端设备基于第二地址对应的页面，调用支付组件进行订单支付。
可以理解的是，通过第一app识别目标图形标识符，以获得第一地址，则该第一app具备图形标识符识别功能。
首先，终端设备通过第一app识别目标图形标识符，以获得第一地址。
本申请实施例中所提到的图形标识符可以为一维条形码或二维条形码等。图形标识符对应的第一地址可以为URL地址。
在本申请的一个实施例中，该第一地址对应的页面可以为直接向商户进行支付的支付页面，也可以为商户商品的展示页面。
当该第一地址对应的页面为直接向商户进行支付的支付页面时，可以基于该页面，直接向第一服务器发送订单确认信息。
当该第一地址对应的页面为商户商品的展示页面时，用户需要通过页面浏览、商品选择和待购买商品确认等流程，进入到订单信息确认页面，在用户对订单信息确认后，向第一服务器发送订单确认信息。
示例性的，终端设备利用应用程序对商户二维码进行扫描，识别出二维码对应的地址；利用浏览器访问所识别出的地址，进而向第一服务器发送订单信息页面访问请求；第一服务器响应该订单信息页面访问请求，并向终端设备反馈订单信息页面；终端设备展示该订单信息页面；用户基于所展示的订单信息页面确认订单信息无误后，终端设备向第一服务器发送订单确认信息。
第一服务器在接收到该订单确认信息后，生成与该订单确认信息对应的订单；将该订单发送至第二服务器。
第二服务器在收到该订单后，发送统一支付网关对应的第二地址至第一服务器。
收单机构在接收到统一支付网关对应的第二地址后，将该统一支付网关对应的第二地址发送给终端设备。
终端设备访问统一支付网关对应的第二地址的页面，基于该页面，调用支付组件进行订单支付。
在本申请的一个实施例中，第二服务器在发送统一支付网关对应的第二地址至第一服务器时，可以向第一服务器发送包括统一支付网关对应的第二地址的URL地址。基于此，接收第二服务器发送的统一支付网关的第二地址，可以包括：接收第二服务器发送的URL地址；其中，URL地址包括统一支付网关对应的第二地址。
在本申请的一个实施例中，第二服务器可以基于统一支付网关对应的 第二地址，生成包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，收单机构将统一支付网关对应的第二地址发送给终端设备时，可以向终端设备发送页面跳转信息，该页面跳转信息包括统一支付网关对应的第二地址。基于此，将第二地址反馈至终端设备，可以包括：向终端设备发送页面跳转信息；其中，页面跳转信息包括统一支付网关对应的第二地址。
本申请实施例还提供一种应用于第二服务器的支付方法，如图8所示。图8示出了本申请实施例提供的应用于第二服务器的支付方法的流程示意图。应用于第二服务器的支付方法可以包括：
S601：接收第一服务器发送的订单。
其中，订单为与终端设备向第一服务器发送的订单确认信息对应的订单，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app。
S602：发送统一支付网关对应的第二地址至第一服务器，以使第一服务器将第二地址反馈至终端设备，终端设备基于第二地址对应的页面，调用支付工具进行订单支付。
可以理解的是，通过第一app识别目标图形标识符，以获得第一地址，则该第一app具备图形标识符识别功能。
首先，终端设备通过第一app识别目标图形标识符，以获得第一地址。
本申请实施例中所提到的图形标识符可以为一维条形码或二维条形码等。图形标识符对应的第一地址可以为URL地址。
在本申请的一个实施例中，该第一地址对应的页面可以为直接向商户进行支付的支付页面，也可以为商户商品的展示页面。
当该第一地址对应的页面为直接向商户进行支付的支付页面时，可以基于该页面，直接向第一服务器发送订单确认信息。
当该第一地址对应的页面为商户商品的展示页面时，用户需要通过页面浏览、商品选择和待购买商品确认等流程，进入到订单信息确认页面， 在用户对订单信息确认后，向第一服务器发送订单确认信息。
示例性的，终端设备利用应用程序对商户二维码进行扫描，识别出二维码对应的地址；利用浏览器访问所识别出的地址，进而向第一服务器发送订单信息页面访问请求；第一服务器响应该订单信息页面访问请求，并向终端设备反馈订单信息页面；终端设备展示该订单信息页面；用户基于所展示的订单信息页面确认订单信息无误后，终端设备向第一服务器发送订单确认信息。
第一服务器在接收到该订单确认信息后，生成与该订单确认信息对应的订单；将该订单发送至第二服务器。
第二服务器在收到该订单后，发送统一支付网关对应的第二地址至第一服务器。
收单机构在接收到统一支付网关对应的第二地址后，将该统一支付网关对应的第二地址发送给终端设备。
终端设备访问统一支付网关对应的第二地址的页面，基于该页面，调用支付组件进行订单支付。
在本申请的一个实施例中，第二服务器在发送统一支付网关对应的第二地址至第一服务器时，可以向第一服务器发送包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，在发送包括统一支付网关对应的第二地址的URL地址至第一服务器之前，本申请实施例提供的应用于第二服务器的支付方法还可以包括：生成包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，本申请实施例提供的应用于第二服务器的支付方法还可以包括：向终端设备发送支付组件配置参数，以使终端设备调用与支付组件配置参数对应的支付组件进行支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用第一app自带的支付组件进行订单支付。终端设备在接收到该支付组件配置参数后，调用第一app自带的支付组件进行订单支付。
示例性的，假设终端设备通过带有支付组件的某宝进行扫码，则第二服务器向终端设备发送的支付组件配置参数用于指示调用某宝自带的支付 组件进行支付；终端设备调用某宝自带的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用第二服务器默认设置的支付组件进行订单支付。
示例性的，假设第二服务器默认设置的支付组件为某宝的支付组件。则第二服务器向终端设备发送的支付组件配置参数用于指示调用某宝的支付组件进行支付；终端设备调用某宝的支付组件进行订单支付。
在本申请的一个实施例中，该支付组件配置参数用于指示调用终端设备默认的支付组件进行订单支付。
示例性的，假设终端设备默认的支付组件为某宝的支付组件。则第二服务器向终端设备发送的支付组件配置参数用于指示调用终端设备默认的支付组件进行支付；终端设备调用某宝的支付组件进行订单支付。
在本申请的一个实施例中，第二服务器可以向终端设备发送至少两个支付组件对应的配置参数。此时，终端设备可以先向用户展示至少两个支付组件的选项；然后调用被选中的支付组件进行订单支付。
示例性的，假设第二服务器可以向终端设备发送的至少两个支付组件对应的配置参数分别为某宝的支付组件对应的配置参数、某信的支付组件对应的配置参数和某通的支付组件对应的配置参数。终端设备在接收到第二服务器发送的支付组件配置参数后，向用户展示某宝的支付组件、某信的支付组件和某通的支付组件的选项以供用户选择。假设用户选择某通的支付组件，则调用某通的支付组件进行订单支付。
本申请实施例提供一种应用于终端设备的支付装置，如图9所示。图9示出了本申请实施例提供的应用于终端设备的支付装置的结构示意图。应用于终端设备的支付装置可以包括：
识别模块701，用于通过第一应用程序app识别目标图形标识符，以获得第一地址。
其中，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app。
订单确认信息发送模块702，用于基于第一地址对应的第一页面，向第一服务器发送订单确认信息，以使第一服务器生成与订单确认信息对应 的订单，第一服务器将订单发送至第二服务器，第一服务器接收并反馈第二服务器发送的统一支付网关对应的第二地址。
地址接收模块703，用于接收第一服务器反馈的第二地址。
支付模块704，用于基于第二地址对应的第二页面，调用支付组件进行订单支付。
在本申请的一个实施例中，第一app包括：
浏览器类app、拍照类app、聊天类app、视频类app、新闻类app、医院类app、交通类app或支付类app等。
在本申请的一个实施例中，地址接收模块703，具体用于：
接收第一服务器发送的页面跳转信息；其中，页面跳转信息包括统一支付网关对应的第二地址。
在本申请的一个实施例中，支付模块704，包括：
支付组件配置参数接收单元，用于接收第二服务器发送的支付组件配置参数；
支付单元，用于调用与支付组件配置参数对应的支付组件进行支付。
在本申请的一个实施例中，支付组件配置参数用于指示调用第一app自带的支付组件进行订单支付。
在本申请的一个实施例中，支付组件配置参数用于指示调用第二服务器默认设置的支付组件进行订单支付。
在本申请的一个实施例中，支付组件配置参数用于指示调用终端设备默认的支付组件进行订单支付。
在本申请的一个实施例中，第二服务器发送的支付组件配置参数包括至少两个支付组件对应的配置参数。支付单元，具体用于：向用户展示至少两个支付组件的选项；调用被选中的支付组件进行订单支付。
在本申请的一个实施例中，本申请实施例提供的应用于终端设备的支付装置还包括：
合法性验证模块，用于对第一地址进行合法性验证。
在本申请的一个实施例中，合法性验证模块，具体用于：
判断第一地址中的域名是否存在于合法域名数据库中；若存在，则表 示第一地址合法。
在本申请的一个实施例中，合法性验证模块，具体用于：
判断第一地址中是否存在特定字符串；若存在，则表示第一地址合法。
在本申请的一个实施例中，合法性验证模块，具体用于：
获取第一地址中的域名对应的签名结果；对该签名结果进行解密，得到解密结果；判断第一地址中的域名与解密结果是否相同；若相同，则表示第一地址合法。
本申请实施例提供一种应用于第一服务器的支付装置，如图10所示。图10示出了本申请实施例提供的应用于第一服务器的支付装置的结构示意图。应用于第一服务器的支付装置可以包括：
订单生成模块801，用于生成与终端设备发送的订单确认信息对应的订单。
其中，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app。
订单发送模块802，用于将订单发送至第二服务器。
地址接收模块803，用于接收第二服务器发送的统一支付网关对应的第二地址。
地址反馈模块804，用于将第二地址反馈至终端设备，以使终端设备基于第二地址对应的页面，调用支付组件进行订单支付。
在本申请的一个实施例中，地址接收模块803，具体用于：
接收第二服务器发送的URL地址；其中，URL地址包括统一支付网关对应的第二地址。
在本申请的一个实施例中，地址反馈模块804，具体用于：
向终端设备发送页面跳转信息；其中，页面跳转信息包括统一支付网关对应的第二地址。
本申请实施例提供一种应用于第二服务器的支付装置，如图11所示。图11示出了本申请实施例提供的应用于第二服务器的支付装置的结构示意 图。应用于第二服务器的支付装置可以包括：
订单接收模块901，用于接收第一服务器发送的订单。
其中，订单为与终端设备向第一服务器发送的订单确认信息对应的订单，订单确认信息为终端设备基于第一地址对应的第一页面发送的，第一地址为终端设备通过第一app识别目标图形标识符获得的地址，第一app为多个可选app中的一个app，可选app包括具备支付功能的app和不具备支付功能的app。
地址发送模块902，用于发送统一支付网关对应的第二地址至第一服务器，以使第一服务器将第二地址反馈至终端设备，终端设备基于第二地址对应的页面，调用支付工具进行订单支付。
在本申请的一个实施例中，地址发送模块902，具体用于：
发送包括统一支付网关对应的第二地址的URL地址至第一服务器。
在本申请的一个实施例中，本申请实施例提供的应用于第二服务器的支付装置还包括：
地址生成模块，用于生成包括统一支付网关对应的第二地址的URL地址。
在本申请的一个实施例中，本申请实施例提供的应用于第二服务器的支付装置还包括：
支付组件配置参数发送模块，用于向终端设备发送支付组件配置参数，以使终端设备调用与支付组件配置参数对应的支付组件进行支付。
在本申请的一个实施例中，支付组件配置参数用于指示调用第一app自带的支付组件进行订单支付。
在本申请的一个实施例中，支付组件配置参数用于指示调用第二服务器默认设置的支付组件进行订单支付。
在本申请的一个实施例中，支付组件配置参数用于指示调用终端设备默认的支付组件进行订单支付。
在本申请的一个实施例中，支付组件配置参数包括至少两个支付组件对应的配置参数，以使终端设备向用户展示至少两个支付组件的选项，调用被选中的支付组件进行订单支付。
图12示出了能够实现根据本申请实施例的支付方法及装置的计算设备的示例性硬件架构的结构图。如图12所示，计算设备100包括输入设备101、输入接口102、中央处理器103、存储器104、输出接口105、以及输出设备106。其中，输入接口102、中央处理器103、存储器104、以及输出接口105通过总线110相互连接，输入设备101和输出设备106分别通过输入接口102和输出接口105与总线110连接，进而与计算设备100的其他组件连接。
具体地，输入设备101接收来自外部的输入信息，并通过输入接口102将输入信息传送到中央处理器103；中央处理器103基于存储器104中存储的计算机可执行指令对输入信息进行处理以生成输出信息，将输出信息临时或者永久地存储在存储器104中，然后通过输出接口105将输出信息传送到输出设备106；输出设备106将输出信息输出到计算设备100的外部供用户使用。
也就是说，图12所示的计算设备也可以被实现为支付设备，该支付设备可以包括：存储有计算机可执行指令的存储器；以及处理器，该处理器在执行计算机可执行指令时可以实现本申请实施例提供的支付方法和装置。
本申请实施例还提供一种计算机可读存储介质，该计算机可读存储介质上存储有计算机程序指令；该计算机程序指令被处理器执行时实现本申请实施例提供的支付方法。
虽然已经参考优选实施例对本申请进行了描述，但在不脱离本申请的范围的情况下，可以对其进行各种改进并且可以用等效物替换其中的部件。尤其是，只要不存在结构冲突，各个实施例中所提到的各项技术特征均可以任意方式组合起来。本申请并不局限于文中公开的特定实施例，而是包括落入权利要求的范围内的所有技术方案。

Claims (29)

  1. 一种支付方法，其特征在于，所述方法包括：
    通过第一应用程序app识别目标图形标识符，以获得第一地址；其中，所述第一app为多个可选app中的一个app，所述可选app包括具备支付功能的app和不具备支付功能的app；
    基于所述第一地址对应的第一页面，向第一服务器发送订单确认信息，以使所述第一服务器生成与所述订单确认信息对应的订单，所述第一服务器将所述订单发送至第二服务器，所述第一服务器接收并反馈所述第二服务器发送的统一支付网关对应的第二地址；
    接收所述第一服务器反馈的所述第二地址；
    基于所述第二地址对应的第二页面，调用支付组件进行订单支付。
  2. 根据权利要求1所述的方法，其特征在于，所述第一app包括：
    浏览器类app、拍照类app、聊天类app、视频类app、新闻类app、医院类app、交通类app或支付类app。
  3. 根据权利要求1所述的方法，其特征在于，所述接收所述第一服务器反馈的所述第二地址，包括：
    接收所述第一服务器发送的页面跳转信息；其中，所述页面跳转信息包括所述统一支付网关对应的第二地址。
  4. 根据权利要求1所述的方法，其特征在于，所述调用支付组件进行订单支付，包括：
    接收所述第二服务器发送的支付组件配置参数；
    调用与所述支付组件配置参数对应的支付组件进行订单支付。
  5. 根据权利要求4所述的方法，其特征在于，所述支付组件配置参数用于指示调用所述第一app自带的支付组件进行订单支付。
  6. 根据权利要求4所述的方法，其特征在于，所述支付组件配置参数用于指示调用所述第二服务器默认设置的支付组件进行订单支付。
  7. 根据权利要求4所述的方法，其特征在于，所述支付组件配置参数用于指示调用终端设备默认的支付组件进行订单支付。
  8. 根据权利要求4所述的方法，其特征在于，所述第二服务器发送的支付组件配置参数包括至少两个支付组件对应的配置参数；
    所述调用与所述支付组件配置参数对应的支付组件进行订单支付，包括：
    向用户展示所述至少两个支付组件的选项；
    调用被选中的支付组件进行订单支付。
  9. 根据权利要求1所述的方法，其特征在于，在所述基于所述第一地址对应的第一页面，向第一服务器发送订单确认信息之前，所述方法还包括：
    对所述第一地址进行合法性验证。
  10. 根据权利要求9所述的方法，其特征在于，所述对所述第一地址进行合法性验证，包括：
    判断所述第一地址中的域名是否存在于合法域名数据库中；若存在，则表示所述第一地址合法。
  11. 根据权利要求9所述的方法，其特征在于，所述对所述第一地址进行合法性验证，包括：
    判断所述第一地址中是否存在特定字符串；若存在，则表示所述第一地址合法。
  12. 根据权利要求9所述的方法，其特征在于，所述对所述第一地址进行合法性验证，包括：
    获取所述第一地址中的域名对应的签名结果；
    对所述签名结果进行解密，得到解密结果；
    判断所述第一地址中的域名与所述解密结果是否相同；若相同，则表示所述第一地址合法。
  13. 一种支付方法，其特征在于，所述方法包括：
    生成与终端设备发送的订单确认信息对应的订单；其中，所述订单确认信息为所述终端设备基于第一地址对应的第一页面发送的，所述第一地址为所述终端设备通过第一app识别目标图形标识符获得的地址，所述第一app为多个可选app中的一个app，所述可选app包括具备支付功能的 app和不具备支付功能的app；
    将所述订单发送至第二服务器；
    接收所述第二服务器发送的统一支付网关对应的第二地址；
    将所述第二地址反馈至终端设备，以使所述终端设备基于所述第二地址对应的页面，调用支付组件进行订单支付。
  14. 根据权利要求13所述的方法，其特征在于，所述接收所述第二服务器发送的统一支付网关的第二地址，包括：
    接收所述第二服务器发送的统一资源定位符URL地址；其中，所述URL地址包括统一支付网关对应的第二地址。
  15. 根据权利要求13所述的方法，其特征在于，所述将所述第二地址反馈至终端设备，包括：
    向所述终端设备发送页面跳转信息；其中，所述页面跳转信息包括所述统一支付网关对应的第二地址。
  16. 一种支付方法，其特征在于，所述方法包括：
    接收第一服务器发送的订单；其中，所述订单为与终端设备向所述第一服务器发送的订单确认信息对应的订单，所述订单确认信息为所述终端设备基于第一地址对应的第一页面发送的，所述第一地址为所述终端设备通过第一app识别目标图形标识符获得的地址，所述第一app为多个可选app中的一个app，所述可选app包括具备支付功能的app和不具备支付功能的app；
    发送统一支付网关对应的第二地址至所述第一服务器，以使所述第一服务器将所述第二地址反馈至所述终端设备，所述终端设备基于所述第二地址对应的页面，调用支付工具进行订单支付。
  17. 根据权利要求16所述的方法，其特征在于，所述发送统一支付网关对应的第二地址至所述第一服务器，包括：
    发送包括统一支付网关对应的第二地址的URL地址至所述第一服务器。
  18. 根据权利要求17所述的方法，其特征在于，在所述发送包括统一支付网关对应的第二地址的URL地址至所述第一服务器之前，所述方法还包括：
    生成包括统一支付网关对应的第二地址的URL地址。
  19. 根据权利要求16所述的方法，其特征在于，所述方法还包括：
    向所述终端设备发送支付组件配置参数，以使所述终端设备调用与所述支付组件配置参数对应的支付组件进行支付。
  20. 根据权利要求19所述的方法，其特征在于，所述支付组件配置参数用于指示调用所述第一app自带的支付组件进行订单支付。
  21. 根据权利要求19所述的方法，其特征在于，所述支付组件配置参数用于指示调用所述第二服务器默认设置的支付组件进行订单支付。
  22. 根据权利要求19所述的方法，其特征在于，所述支付组件配置参数用于指示调用终端设备默认的支付组件进行订单支付。
  23. 根据权利要求19所述的方法，其特征在于，所述支付组件配置参数包括至少两个支付组件对应的配置参数，以使所述终端设备向用户展示所述至少两个支付组件的选项，调用被选中的支付组件进行订单支付。
  24. 一种支付装置，其特征在于，所述装置包括：
    识别模块，用于通过第一应用程序app识别目标图形标识符，以获得第一地址；其中，所述第一app为多个可选app中的一个app，所述可选app包括具备支付功能的app和不具备支付功能的app；
    订单确认信息发送模块，用于基于所述第一地址对应的第一页面，向第一服务器发送订单确认信息，以使所述第一服务器生成与所述订单确认信息对应的订单，所述第一服务器将所述订单发送至第二服务器，所述第一服务器接收并反馈所述第二服务器发送的统一支付网关对应的第二地址；
    地址接收模块，用于接收所述第一服务器反馈的所述第二地址；
    支付模块，用于基于所述第二地址对应的第二页面，调用支付组件进行订单支付。
  25. 一种支付装置，其特征在于，所述装置包括：
    订单生成模块，用于生成与终端设备发送的订单确认信息对应的订单；其中，所述订单确认信息为所述终端设备基于第一地址对应的第一页面发送的，所述第一地址为所述终端设备通过第一app识别目标图形标识符获得的地址，所述第一app为多个可选app中的一个app，所述可选app包括 具备支付功能的app和不具备支付功能的app；
    订单发送模块，用于将所述订单发送至第二服务器；
    地址接收模块，用于接收所述第二服务器发送的统一支付网关对应的第二地址；
    地址反馈模块，用于将所述第二地址反馈至终端设备，以使所述终端设备基于所述第二地址对应的页面，调用支付组件进行订单支付。
  26. 一种支付装置，其特征在于，所述装置包括：
    订单接收模块，用于接收第一服务器发送的订单；其中，所述订单为与终端设备向所述第一服务器发送的订单确认信息对应的订单，所述订单确认信息为所述终端设备基于第一地址对应的第一页面发送的，所述第一地址为所述终端设备通过第一app识别目标图形标识符获得的地址，所述第一app为多个可选app中的一个app，所述可选app包括具备支付功能的app和不具备支付功能的app；
    地址发送模块，用于发送统一支付网关对应的第二地址至所述第一服务器，以使所述第一服务器将所述第二地址反馈至所述终端设备，所述终端设备基于所述第二地址对应的页面，调用支付工具进行订单支付。
  27. 一种交易处理设备，其特征在于，包括处理器、存储器及存储在所述存储器上并可在所述处理器上运行的计算机程序，所述计算机程序被所述处理器执行时实现如权利要求1至12中任意一项所述的支付方法的步骤或实现如权利要求13至15中任意一项所述的支付方法的步骤或实现如权利要求16至23中任意一项所述的支付方法的步骤。
  28. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储计算机程序，所述计算机程序被处理器执行时实现如权利要求1至12中任意一项所述的支付方法的步骤或实现如权利要求13至15中任意一项所述的支付方法的步骤或实现如权利要求16至23中任意一项所述的支付方法的步骤。
  29. 一种支付系统，其特征在于，所述系统包括：第一服务器和第二服务器；
    所述第一服务器，用于生成与终端设备发送的订单确认信息对应的订 单；将所述订单发送至第二服务器；接收所述第二服务器发送的统一支付网关对应的第二地址；将所述第二地址反馈至所述终端设备，以使所述终端设备基于所述第二地址对应的页面，调用支付组件进行订单支付；其中，所述订单确认信息为所述终端设备基于第一地址对应的第一页面发送的，所述第一地址为所述终端设备通过第一app识别目标图形标识符获得的地址，所述第一app为多个可选app中的一个app，所述可选app包括具备支付功能的app和不具备支付功能的app；
    所述第二服务器，用于接收所述第一服务器发送的订单；发送所述第二地址至所述第一服务器，以使所述第一服务器将所述第二地址反馈至所述终端设备。
PCT/CN2020/080920 2019-05-17 2020-03-24 支付方法、装置、设备、系统及存储介质 Ceased WO2020233223A1 (zh)

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