WO2021135753A1 - 支付处理方法、装置及系统 - Google Patents

支付处理方法、装置及系统 Download PDF

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Publication number
WO2021135753A1
WO2021135753A1 PCT/CN2020/131906 CN2020131906W WO2021135753A1 WO 2021135753 A1 WO2021135753 A1 WO 2021135753A1 CN 2020131906 W CN2020131906 W CN 2020131906W WO 2021135753 A1 WO2021135753 A1 WO 2021135753A1
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Prior art keywords
account
merchant
terminal
payment
payment request
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PCT/CN2020/131906
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English (en)
French (fr)
Inventor
赵善彬
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网联清算有限公司
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Application filed by 网联清算有限公司 filed Critical 网联清算有限公司
Priority to US17/615,962 priority Critical patent/US20220207499A1/en
Priority to JP2022503835A priority patent/JP7150212B2/ja
Priority to EP20909849.0A priority patent/EP3965041A4/en
Publication of WO2021135753A1 publication Critical patent/WO2021135753A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—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; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Definitions

  • the present disclosure relates to the field of network payment technology, and in particular to a payment processing method, device and system.
  • the payment processing method is mainly: when the user selects the account software on the merchant software to pay for the merchant order, the merchant software interacts with the account back-end system through the acquiring system and the clearing system to obtain the payment acceptance result and transaction vouchers.
  • the merchant software The transaction voucher is provided to the account back-end system for verification through the account software routing jump method. After the verification is passed, the account back-end system performs payment processing and returns the payment processing result to the mobile terminal.
  • the interactive process link is lengthy and the payment processing efficiency is poor; and the merchant software is generally routed to the account software through the SDK (Software Development Kit, software development kit) method, and the SDK is highly dependent, and in the case of merchant software upgrades, etc. , It is easy to cause routing failure, cause payment processing failure, and reduce payment processing efficiency.
  • SDK Software Development Kit, software development kit
  • the purpose of the present disclosure is to solve one of the above technical problems at least to a certain extent.
  • the first purpose of the present disclosure is to propose a payment processing method.
  • the merchant terminal and the account terminal of the method realize the acquiring system, the merchant terminal and the account through the clearing system and its unified signature, route jump address, and route jump.
  • End-to-end interconnection and reduces the process of the clearing system sending payment requests to the account back-end system and obtaining acceptance results, simplifies the interaction links between systems, reduces complexity, improves the overall security of the system, and improves the overall payment processing efficiency.
  • the second objective of the present disclosure is to provide a payment processing device.
  • the third purpose of the present disclosure is to propose a payment processing system.
  • the first aspect of the present disclosure provides a payment processing method, which is applied to a clearing system, including: receiving a payment request sent by a merchant through an acquiring system; digitally signing the payment request, and passing The acquiring system returns a response result to the merchant end; the response result includes a route redirection address corresponding to the account end, so that the merchant end jumps to the account end according to the route redirection address , And send the digitally signed payment request through the account terminal to the account back-end system for verification, so that the account back-end system can perform the payment operation corresponding to the payment request after passing the verification of the digital signature to obtain the payment operation Result; receiving the payment operation result sent by the account background system, and returning the payment operation result to the merchant through the acquiring system.
  • the payment processing method of the embodiment of the present disclosure is applied to a clearing system, by receiving a payment request sent by a merchant through an acquiring system; digitally signing the payment request, and returning a response to the merchant through the acquiring system Result; the response result includes: the route redirection address corresponding to the account end, so that the merchant end jumps to the account end according to the route redirection address, and passes the digitally signed payment request through all
  • the account terminal is sent to the account back-end system for verification, for the account back-end system to perform a payment operation corresponding to the payment request after passing the verification of the digital signature, to obtain the payment operation result; receive all the information sent by the account back-end system The payment operation result, and return the payment operation result to the merchant terminal through the acquiring system.
  • the merchant terminal and the account terminal realize the interconnection and intercommunication of the acquiring system, the merchant terminal and the account terminal through the clearing system and its unified signature, route jump address and route jump, and reduce the clearing system sending payment requests to the account back-end system.
  • the process of obtaining acceptance results simplifies the interaction links between systems, reduces complexity, improves overall system security, and improves overall payment processing efficiency.
  • an embodiment of the second aspect of the present disclosure proposes a payment processing device, which is applied to a clearing system, and includes: a receiving module for receiving a payment request sent by a merchant through an acquiring system; a signature module for checking The payment request is digitally signed, and a response result is returned to the merchant terminal through the acquiring system; the response result includes a route redirection address corresponding to the account terminal, so that the merchant terminal can follow the route The redirection address jumps to the account side, and sends the digitally signed payment request to the account back-end system for verification through the account side, so that the account back-end system can communicate with the payment after passing the verification of the digital signature.
  • a corresponding payment operation is requested to obtain a payment operation result; a return module is used to receive the payment operation result sent by the account back-end system, and return the payment operation result to the merchant through the acquiring system.
  • the payment processing device of the embodiment of the present disclosure is applied to a clearing system, by receiving a payment request sent by a merchant through an acquiring system; digitally signing the payment request, and returning a response to the merchant through the acquiring system Result; the response result includes the routing redirection address corresponding to the account terminal, so that the merchant terminal jumps to the account terminal according to the routing redirection address, and passes the digitally signed payment request through the
  • the account terminal sends to the account back-end system for verification, for the account back-end system to perform a payment operation corresponding to the payment request after passing the verification of the digital signature, to obtain the payment operation result; to receive the account back-end system sent Payment operation result, and return the payment operation result to the merchant terminal through the acquiring system.
  • the merchant terminal and the account terminal realize the interconnection and intercommunication of the acquiring system, the merchant terminal and the account terminal through the clearing system and its unified signature, route jump address and route jump, and reduce the clearing system sending payment requests to the account back-end system.
  • the process of obtaining acceptance results simplifies the interaction links between systems, reduces complexity, improves overall system security, and improves overall payment processing efficiency.
  • the third aspect of the present disclosure provides a payment processing system, including: a merchant terminal, an acquiring system, a clearing system, an account backend system, and an account terminal installed on a terminal device; the acquiring system , Are respectively connected to the merchant terminal and the clearing system; the account back-end system is respectively connected to the clearing system and the account terminal; the merchant terminal, when the user selects the account terminal for order payment, passes through the The acquiring system sends a payment request to the clearing system; the clearing system is configured to digitally sign the payment request and return a response result to the merchant through the acquiring system; the response result includes The routing jump address corresponding to the account end; the merchant end is used to jump to the account end according to the route jump address, and send the digitally signed payment request to the account backend system through the account end Perform verification; the account backend system is used to verify the digitally signed payment request, and after the digital signature verification is passed, the payment operation corresponding to the payment request is performed, and the payment operation result is obtained and returned to the clearing system
  • Fig. 1 is a schematic flowchart of a payment processing method according to an embodiment of the present disclosure
  • FIG. 2 is a schematic flowchart of a payment processing method according to another embodiment of the present disclosure.
  • Fig. 3 is a schematic structural diagram of a payment processing device according to an embodiment of the present disclosure.
  • Figure 4 is a schematic structural diagram of a payment processing device according to another embodiment of the present disclosure.
  • Figure 5 is a schematic structural diagram of a payment processing device according to another embodiment of the present disclosure.
  • Fig. 6 is a schematic structural diagram of a payment processing system according to an embodiment of the present disclosure.
  • FIG. 1 is a schematic flowchart of a payment processing method provided by an embodiment of the disclosure.
  • the execution subject of the payment processing method in the embodiments of the present disclosure is a payment processing device, which can be applied to a payment processing system.
  • Participants of the payment processing system can include users (that is, payers), merchants (that is, payees), and installers.
  • Merchant terminal acquiring system, account terminal, account back-end system, and clearing system on terminal equipment. Among them, the user binds a physical capital account through the account terminal on the terminal device.
  • Merchants use the merchant-side payment acquiring service provided by the acquiring system, and accept users to complete payment to the merchant through the account-side.
  • the account terminal and the account back-end system are responsible for users to open accounts and provide account services, inter-agency account agency services, receive and process payment instructions forwarded by the clearing system, and handle user fund management.
  • the acquiring system is responsible for merchant access and management, receiving and processing payment instructions from the clearing institution system, conducting transaction processing, and handling merchant acquiring fund settlement.
  • the clearing system is responsible for the receipt and processing of payment instructions, the clearing and clearing of transaction funds, and the role of transaction intermediary transfer and fund clearing in the payment business.
  • the payment processing method includes the following steps:
  • S101 Receive a payment request sent by a merchant through an acquiring system.
  • the merchant terminal is installed on the terminal device, and the clearing system receives the payment request sent by the merchant terminal through the acquiring system.
  • the mobile terminal is installed with merchant software
  • the user uses the merchant software for online shopping, and the user selects the account software on the merchant software to pay for the product order
  • the merchant software sends a payment request to the clearing system through the acquiring system
  • the clearing system receives the acquiring system Payment request sent.
  • merchant software such as Taobao, Jingdong, etc.
  • Account software such as WeChat, Alipay, etc.
  • the digitally signed payment request is sent to the account back-end system for verification through the account terminal, so that the account back-end system can perform the payment operation corresponding to the payment request after the digital signature verification is passed, and obtain the payment operation result.
  • the clearing system digitally signs the payment request, and returns a response result to the acquiring system, and the acquiring system returns the response result to the merchant.
  • the response result may include, but is not limited to, the routing redirection address corresponding to the account terminal, so that the merchant terminal will jump to the account terminal according to the routing redirection address, and the digitally signed payment request will be sent to the account backend system through the account terminal. Verification is performed for the account backend system to perform the payment operation corresponding to the payment request after the digital signature verification is passed, and obtain the payment operation result.
  • the format of the route jump address is an international standard format.
  • the payment request is digitally signed
  • the clearing system receives the routing redirection address reported by the account backend system corresponding to the account side; saves the routing redirection address, and establishes the correspondence between the routing redirection address and the account side relationship.
  • the clearing system After the clearing system receives the routing redirection address reported by the back-end system of the account corresponding to the account, the clearing system obtains the types of multiple operating systems and indicators corresponding to the types one-to-one; adding instructions to the routing redirection addresses respectively To get multiple enhanced routing jump addresses corresponding to the type.
  • save the route jump address, and establish the corresponding relationship between the route jump address and the account end specifically: save the enhanced route jump address, and establish the enhanced route jump address and the account end and operating system type Correspondence between.
  • the clearing system after the clearing system receives the routing redirect address reported by the account backend system corresponding to the account, it can obtain the operating system types of multiple terminal devices installed on the account, such as Android, IOS (iPhone Operation System, Apple) Mobile operating system), etc.; then, obtain the indicator corresponding to the type of the operating system, that is, the type of operating system of the terminal device installed on the account terminal can be obtained through the indicator, and then the indicators are added respectively In the route jump address, the enhanced route jump address corresponding to the operating system type can be obtained. Finally, the enhanced route jump address is saved, and the relationship between the enhanced route jump address and the account terminal and the operating system type is established. Correspondence between.
  • the operating system types of multiple terminal devices installed on the account such as Android, IOS (iPhone Operation System, Apple) Mobile operating system
  • the indicator corresponding to the type of the operating system that is, the type of operating system of the terminal device installed on the account terminal can be obtained through the indicator, and then the indicators are added respectively In the route jump address,
  • the clearing system may obtain the type of the operating system of the terminal device installed at the merchant, and use the type as the response type; query the account according to the response type Obtain the enhanced route jump address that has a corresponding relationship with the response type and the account end, and use it as the route jump address after the response is enhanced; add the route jump address after the response is enhanced to the response result and return to Merchant side.
  • the clearing system queries the corresponding relationship with the billing terminal according to the type of operating system of the terminal device installed on the merchant side, and obtains the type and account of the operating system from the stored enhanced routing jump address according to the corresponding relationship.
  • the terminal establishes an enhanced route jump address with a corresponding relationship, and adds the enhanced route jump address to the response result and returns it to the merchant terminal.
  • the use of the enhanced route jump address enables the merchant to jump to the account terminal directly according to the enhanced route jump address, avoiding the need to use a browser when jumping based on the route jump address when it is not enhanced Jump defect, improve the jump speed.
  • the use and provision of the route jump address enables the acquiring system and the merchant terminal to support all account terminals through only one route jump method, thereby reducing integration and operation and maintenance costs.
  • the format of the route jump address is an international standard format, which supports commonly used operating systems, has high compatibility, and improves the overall payment success rate.
  • the merchant terminal and the account terminal can be installed on one terminal device or on different terminal devices.
  • the public key of the account back-end system is used to encrypt the payment request, and the private key of the clearing system is used to digitally sign the encrypted payment request through the acquiring system
  • the response result is returned to the merchant, so that the merchant sends the digitally signed payment request to the account back-end system through the account, and the account back-end system uses the public key of the clearing system to verify the digitally signed payment request and use the account
  • the private key of the back-end system decrypts the payment request after verification, and confirms that the verification is passed after the decryption is successful.
  • the public key of the clearing system can be obtained when the account back-end system is connected to the network.
  • S105 Receive the payment operation result sent by the account backend system, and return the payment operation result to the merchant through the acquiring system.
  • the clearing system After receiving the payment operation result sent by the account back-end system, the clearing system returns the payment operation result to the merchant through the acquiring system so that the user can view the payment operation result.
  • the merchant terminal and the account terminal realize the interconnection and intercommunication of the acquiring system, the merchant terminal and the account terminal through the clearing system and its unified signature, route jump address and route jump, which simplifies the interaction links between systems, reduces complexity, and improves The overall security of the system improves the overall payment processing efficiency.
  • Figure 2 is a payment processing method according to an embodiment of the present disclosure.
  • the specific implementation process is as follows:
  • Step 1 The user selects the account APP in the merchant APP (Application) of the terminal device to pay for the merchant order;
  • Step 2 The merchant APP sends a payment application (which can also be expressed as a payment request) to the acquiring system;
  • Step 3 The acquiring system sends a payment application to the clearing system
  • Step 4 After the clearing system accepts and digitally signs the payment application, it returns the acceptance result (which can also be expressed as a response result), signature content, and a unified APP routing URL (Universal Resource Locater) to the acquiring system.
  • the account back-end system reports the URL to the clearing institution in advance.
  • the account backend system can also use UniversalLinks (Universal Links), AppLinks (application link) and other technologies to enhance the user experience of the URL; the clearing system saves the enhanced routing redirection address, and establishes the enhanced routing redirection address and account Correspondence between terminals and operation types;
  • Step 5 According to the operating system type of the merchant APP, obtain the enhanced routing redirection address corresponding to the system operation type, and the acquiring system returns the enhanced routing redirect URL and payment information to the merchant APP;
  • Step 6 The merchant APP jumps to the account APP according to the URL route, and transmits the payment request of the acquiring system and the digital signature content of the clearing system. After the account background system verifies the signature of the payment request, it displays the order information to the user;
  • Step 7 The user authorizes the account institution to deduct the money
  • Step 8 The account APP informs the account backend system to process the deduction
  • Step 9 The account background system notifies the clearing system of the deduction processing result
  • Step 10 The clearing system notifies the acquiring system of the payment result (which can also be expressed as the result of the payment operation);
  • Step 11 The acquiring system notifies the merchant APP of the payment result.
  • the payment processing method of the embodiment of the present disclosure is applied to the clearing system, by receiving the payment request sent by the merchant through the acquiring system; digitally signing the payment request, and returning the response result to the merchant through the acquiring system; the response result includes: The routing redirection address corresponding to the account side, so that the merchant side can redirect to the account side according to the routing redirection address, and send the digitally signed payment request through the account side to the account back-end system for verification. After the verification of the digital signature is passed, the payment operation corresponding to the payment request is performed to obtain the payment operation result; the payment operation result sent by the account back-end system is received, and the payment operation result is returned to the merchant through the acquiring system.
  • the merchant terminal and the account terminal realize the interconnection and intercommunication of the acquiring system, the merchant terminal and the account terminal through the clearing system and its unified signature, route jump address and route jump, which can be realized through a unified interface standard and a unified software routing jump specification.
  • Merchant software and account software have the ability to access one-point functions and service interconnection, with high compatibility, and simplify the interaction links between systems, reduce complexity, improve the overall security of the system, and improve the overall payment processing efficiency.
  • Fig. 3 is a schematic structural diagram of a payment processing device according to an embodiment of the present disclosure. As shown in FIG. 3, the payment processing device includes: a receiving module 310, a signature module 320, and a returning module 330.
  • the receiving module 310 is used to receive the payment request sent by the merchant through the acquiring system;
  • the signature module 320 is used to digitally sign the payment request and return the response result to the merchant through the acquiring system;
  • the response result includes the account The corresponding route jump address of the terminal, so that the merchant terminal jumps to the account terminal according to the route jump address, and sends the digitally signed payment request through the account terminal to the account back-end system for verification, so that the account back-end system can verify the number
  • the return module 330 is used to receive the payment operation result sent by the account backend system, and return the payment operation result to the merchant through the acquiring system.
  • the payment processing apparatus further includes: a saving module 340.
  • the saving module 340 is used to save the route redirection address and establish the corresponding relationship between the route redirection address and the account terminal.
  • the format of the route jump address is an international standard format.
  • the payment processing apparatus further includes: an obtaining module 350 and an adding module 360.
  • the obtaining module 350 is used to obtain the types of multiple operating systems and the indicators corresponding to the types one-to-one; the adding module 360 is used to add the indicators to the route jump address respectively to obtain multiple types and types. Respectively correspond to the enhanced jump address; correspondingly, the saving module 340 is specifically configured to save the enhanced route jump address, and establish the correspondence between the enhanced route jump address, the account terminal and the operating system type.
  • the return module 330 is specifically configured to obtain the type of the operating system of the terminal device installed on the merchant side, and use the type as the response type; query the corresponding relationship on the account side according to the response type, and Obtain the enhanced route redirection address that has a corresponding relationship with the type of response to be responded and the account end, as the route redirection address after the response is enhanced; add the route redirection address after the response enhancement to the response result and return it to the merchant.
  • the signature module 320 is specifically configured to use the public key of the account backend system to encrypt the payment request, and use the private key of the clearing system to digitally perform the encrypted payment request. Sign, through the acquiring system to return the response result to the merchant, so that the merchant sends the digitally signed payment request to the account back-end system through the account, and the account back-end system uses the public key of the clearing system to pay for the digitally signed payment Request for signature verification, and decrypt the verified payment request with the private key of the account backend system, and confirm that the verification is passed after the decryption is successful.
  • the payment processing device of the embodiment of the present disclosure is applied to the clearing system, by receiving the payment request sent by the merchant through the acquiring system; digitally signing the payment request, and returning the response result to the merchant through the acquiring system; the response result includes The corresponding routing redirection address on the account side, so that the merchant can redirect to the account side according to the routing redirection address, and send the digitally signed payment request through the account side to the account back-end system for verification, so that the account back-end system can check
  • the digital signature verification is passed, the payment operation corresponding to the payment request is performed, and the payment operation result is obtained; the payment operation result sent by the account back-end system is received, and the payment operation result is returned to the merchant through the acquiring system.
  • the merchant terminal and the account terminal can realize the interconnection and intercommunication of the acquiring system, the merchant terminal and the account terminal through the clearing system and its unified signature and routing jump address through the clearing system, which can be achieved through unified interface standards and unified software routing
  • the jump specification realizes the ability of one-point access to merchant software and account software functions, and business interconnection, with high compatibility, and simplifies the interaction links between systems, reduces complexity, improves overall system security, and improves overall payment processing efficiency.
  • FIG. 6 is a schematic structural diagram of the payment processing system according to an embodiment of the disclosure.
  • the payment processing system includes: a merchant terminal 610 installed on a terminal device, an acquiring system 620, a clearing system 630, an account backend system 640, and an account terminal 650.
  • the acquiring system 620 is connected to the merchant terminal 610 and the clearing system 630 respectively; the account backend system 640 is connected to the clearing system 630 and the account terminal 650 respectively;
  • the billing system 620 sends a payment request to the clearing system 630; the clearing system 630 is used to digitally sign the payment request, and return a response result to the merchant terminal 610 through the acquiring system 620; the response result includes the correspondence with the account terminal 650 Corresponding routing redirection address; merchant terminal 610, used to jump to account terminal 650 according to the routing redirection address, and send the digitally signed payment request through account terminal 650 to account backend system 640 for verification; account backend system 640 , Used to verify the digitally signed payment request, after the digital signature verification is passed, the payment operation corresponding to the payment request is performed, and the payment operation result is obtained and returned to the clearing system 630; the clearing system 630 is also used to pass The acquiring system returns the payment operation result to the merchant terminal 610.
  • first and second are only used for descriptive purposes, and cannot be understood as indicating or implying relative importance or implicitly indicating the number of indicated technical features. Therefore, the features defined with “first” and “second” may explicitly or implicitly include at least one of the features. In the description of the present disclosure, “plurality” means at least two, such as two, three, etc., unless otherwise specifically defined.
  • a "computer-readable medium” can be any device that can contain, store, communicate, propagate, or transmit a program for use by an instruction execution system, device, or device or in combination with these instruction execution systems, devices, or devices.
  • Non-exhaustive list of computer-readable media include the following: electrical connections (electronic devices) with one or more wiring, portable computer disk cases (magnetic devices), random access memory (Random Access Memory) , Referred to as RAM), read-only memory (Read-Only Memory, referred to as ROM), erasable programmable read-only memory (Erasable Programmable Read-Only Memory, referred to as EPROM or flash memory), optical fiber devices, and portable Compact Disc Read-Only Memory (CDROM for short).
  • the computer-readable medium may even be paper or other suitable medium on which the program can be printed, because it can be used, for example, by optically scanning the paper or other medium, followed by editing, interpretation, or other suitable media if necessary.
  • the program is processed in a manner to obtain the program electronically, and then stored in the computer memory.
  • each part of the present disclosure can be implemented by hardware, software, firmware, or a combination thereof.
  • multiple steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system.
  • Discrete logic gate circuits with logic functions for data signals Logic circuits, dedicated integrated circuits with suitable combinational logic gate circuits, Programmable Gate Array (PGA), Field Programmable Gate Array (Field Programmable Gate Array, FPGA), etc.
  • a person of ordinary skill in the art can understand that all or part of the steps carried in the method of the foregoing embodiments can be implemented by a program instructing relevant hardware to complete.
  • the program can be stored in a computer-readable storage medium. When executed, it includes one of the steps of the method embodiment or a combination thereof.
  • the functional units in the various embodiments of the present disclosure may be integrated into one processing module, or each unit may exist alone physically, or two or more units may be integrated into one module.
  • the above-mentioned integrated modules can be implemented in the form of hardware or software functional modules. If the integrated module is implemented in the form of a software function module and sold or used as an independent product, it can also be stored in a computer readable storage medium.
  • the aforementioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

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Abstract

一种支付处理方法、装置及系统，其中方法应用于清算系统，包括：接收商户端通过收单系统发送的支付请求（S101）；对支付请求进行数字签名，并通过收单系统向商户端返回响应结果；响应结果包括与账户端相对应的路由跳转地址，以使商户端根据路由跳转地址跳转到账户端，并将经过数字签名的支付请求通过账户端发送给账户后台系统进行验证，验证通过后进行与支付请求相对应的支付操作，得到支付操作结果（S103）；接收账户后台系统发送的支付操作结果，并通过收单系统向商户端返回支付操作结果（S105）。该方法通过清算系统实现收单系统、商户端与账户端的互联互通，简化系统间交互链路，降低复杂度，提高系统整体安全性，提高整体支付处理效率。

Description

支付处理方法、装置及系统
相关申请的交叉引用
本申请要求网联清算有限公司于2019年12月31日提交的、发明名称为“支付处理方法、装置及系统”的、中国专利申请号“201911424827.4”的优先权。
技术领域
本公开涉及网络支付技术领域，尤其涉及一种支付处理方法、装置及系统。
背景技术
目前，用户主要使用移动终端的商户软件进行移动网络购物，并通过账户软件进行支付。其中，支付处理方法主要为，当用户在商户软件上选择账户软件进行商户订单支付的情况下，商户软件通过收单系统、清算系统与账户后台系统交互，获取支付受理结果及交易凭证，商户软件将交易凭证通过账户软件路由跳转方式提供给账户后台系统进行验证，验证通过后，账户后台系统进行支付处理并返回给移动终端支付处理结果。
上述方法中，交互流程链路冗长，支付处理效率差；且商户软件一般通过SDK(Software Development Kit，软件开发工具包)方式路由至账户软件，而SDK依赖性强，在商户软件升级等情况下，容易导致路由失败，导致支付处理失败，降低支付处理效率。
发明内容
本公开的目的旨在至少在一定程度上解决上述技术问题之一。
为此，本公开的第一个目的在于提出一种支付处理方法，该方法商户端与账户端通过清算系统以及其统一的签名、路由跳转地址路由跳转实现收单系统、商户端与账户端的互联互通，且减少了清算系统向账户后台系统发送支付请求 以及获取受理结果的过程，简化系统间交互链路，降低复杂度，提高系统整体安全性，提高了整体支付处理效率。
本公开的第二个目的在于提出一种支付处理装置。
本公开的第三个目的在于提出一种支付处理系统。
为达上述目的，本公开第一方面实施例提出了一种支付处理方法，应用于清算系统，包括：接收商户端通过收单系统发送的支付请求；对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响应结果；所述响应结果包括与账户端相对应的路由跳转地址，以使所述商户端根据所述路由跳转地址跳转到所述账户端，并将经过数字签名的支付请求通过所述账户端发送给账户后台系统进行验证，供所述账户后台系统在对数字签名验证通过后进行与所述支付请求相对应的支付操作，得到支付操作结果；接收所述账户后台系统发送的所述支付操作结果，并通过所述收单系统向所述商户端返回所述支付操作结果。
本公开实施例的支付处理方法，应用于清算系统，通过接收商户端通过收单系统发送的支付请求；对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响应结果；所述响应结果包括：与账户端相对应的路由跳转地址，以使所述商户端根据所述路由跳转地址跳转到所述账户端，并将经过数字签名的支付请求通过所述账户端发送给账户后台系统进行验证，供所述账户后台系统在对数字签名验证通过后进行与所述支付请求相对应的支付操作，得到支付操作结果；接收所述账户后台系统发送的所述支付操作结果，并通过所述收单系统向所述商户端返回所述支付操作结果。由此，商户端与账户端通过清算系统以及其统一的签名、路由跳转地址路由跳转实现收单系统、商户端与账户端的互联互通，且减少了清算系统向账户后台系统发送支付请求以及获取受理结果的过程，简化了系统间交互链路，降低复杂度，提高系统整体安全性，提高了整体支付处理效率。
为达上述目的，本公开第二方面实施例提出了一种支付处理装置，应用于 清算系统，包括：接收模块，用于接收商户端通过收单系统发送的支付请求；签名模块，用于对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响应结果；所述响应结果包括与账户端相对应的路由跳转地址，以使所述商户端根据所述路由跳转地址跳转到所述账户端，并将经过数字签名的支付请求通过所述账户端发送给账户后台系统进行验证，供所述账户后台系统在对数字签名验证通过后进行与所述支付请求相对应的支付操作，得到支付操作结果；返回模块，用于接收所述账户后台系统发送的所述支付操作结果，并通过所述收单系统向所述商户端返回所述支付操作结果。
本公开实施例的支付处理装置，应用于清算系统，通过接收商户端通过收单系统发送的支付请求；对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响应结果；所述响应结果包括与账户端相对应的路由跳转地址，以使所述商户端根据所述路由跳转地址跳转到所述账户端，并将经过数字签名的支付请求通过所述账户端发送给账户后台系统进行验证，供所述账户后台系统在对数字签名验证通过后进行与所述支付请求相对应的支付操作，得到支付操作结果；接收所述账户后台系统发送的所述支付操作结果，并通过所述收单系统向所述商户端返回所述支付操作结果。由此，商户端与账户端通过清算系统以及其统一的签名、路由跳转地址路由跳转实现收单系统、商户端与账户端的互联互通，且减少了清算系统向账户后台系统发送支付请求以及获取受理结果的过程，简化系统间交互链路，降低复杂度，提高系统整体安全性，提高了整体支付处理效率。
为达上述目的，本公开第三方面实施例提出了一种支付处理系统，包括：安装在终端设备上的商户端、收单系统、清算系统、账户后台系统以及账户端；所述收单系统，分别与所述商户端和所述清算系统连接；所述账户后台系统分别与所述清算系统和所述账户端连接；所述商户端，在用户选择账户端进行订单支付时，通过所述收单系统向所述清算系统发送支付请求；所述清算系统，用于对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响 应结果；所述响应结果包括与账户端相对应的路由跳转地址；所述商户端，用于根据所述路由跳转地址跳转到所述账户端，并将经过数字签名的支付请求通过所述账户端发送给账户后台系统进行验证；所述账户后台系统，用于对经过数字签名的支付请求进行验证，在数字签名验证通过后进行与所述支付请求相对应的支付操作，得到支付操作结果并返回给清算系统；所述清算系统，还用于通过收单系统向所述商户端返回所述支付操作结果。
本公开附加的方面和优点将在下面的描述中部分给出，部分将从下面的描述中变得明显，或通过本公开的实践了解到。
附图说明
本公开上述的和/或附加的方面和优点从下面结合附图对实施例的描述中将变得明显和容易理解，其中：
图1为根据本公开一个实施例的支付处理方法的流程示意图；
图2为根据本公开另一个实施例的支付处理方法的流程示意图；
图3为根据本公开一个实施例的支付处理装置的结构示意图；
图4为根据本公开另一个实施例的支付处理装置的结构示意图；
图5为根据本公开又一个实施例的支付处理装置的结构示意图；
图6为根据本公开一个实施例的支付处理系统的结构示意图。
具体实施方式
下面详细描述本公开的实施例，所述实施例的示例在附图中示出，其中自始至终相同或类似的标号表示相同或类似的元件或具有相同或类似功能的元件。下面通过参考附图描述的实施例是示例性的，旨在用于解释本公开，而不能理解为对本公开的限制。
下面参考附图描述本公开实施例的支付处理方法、装置及系统。
图1为本公开实施例提供的一种支付处理方法的流程示意图。本公开实施 例的支付处理方法的执行主体为支付处理装置，支付处理装置可应用于支付处理系统，支付处理系统的参与者可包括用户(即付款人)、商户(即收款人)、安装在终端设备上的商户端、收单系统、账户端、账户后台系统、清算系统。其中，用户通过终端设备上的账户端绑定实体资金账户。商户使用收单系统提供的商户端支付收单服务，受理用户通过账户端向商户完成支付。账户端和账户后台系统负责用户开户并提供账户服务、跨机构账户代理服务，接收和处理清算系统转发的支付指令，办理用户资金管理。收单系统负责商户准入和管理，接收和处理清算机构系统的支付指令，进行交易处理，办理商户收单资金结算。清算系统负责支付指令的接收和处理，交易资金的清分清算，在支付业务中起到交易居间转接和资金清算作用。
如图1所示，该支付处理方法包括以下步骤：
S101，接收商户端通过收单系统发送的支付请求。
在本公开实施例中，终端设备上安装有商户端，清算系统接收商户端通过收单系统发送的支付请求。比如，移动终端安装有商户软件，用户使用商户软件进行网络购物，用户在商户软件上选择账户软件进行商品订单支付时，商户软件通过收单系统向清算系统发送支付请求，清算系统接收收单系统发送的支付请求。其中，商户软件例如淘宝、京东等。账户软件例如微信、支付宝等。
S103，对支付请求进行数字签名，并通过收单系统向商户端返回响应结果；响应结果包括与账户端相对应的路由跳转地址，以使商户端根据路由跳转地址跳转到账户端，并将经过数字签名的支付请求通过账户端发送给账户后台系统进行验证，供账户后台系统在对数字签名验证通过后进行与支付请求相对应的支付操作，得到支付操作结果。
进一步地，清算系统接收收单系统发送的支付请求之后，对支付请求进行数字签名，并向收单系统返回响应结果，收单系统将响应结果返回给商户端。其中，响应结果可包括但不限于与账户端相对应的路由跳转地址，以使商户端根据路由跳转地址跳转到账户端，将经过数字签名的支付请求通过账户端发送 给账户后台系统进行验证，供账户后台系统在对数字签名验证通过后进行与支付请求相对应的支付操作，得到支付操作结果。
其中，需要说明的是，路由跳转地址的格式为国际标准格式。为了商户端与账户端之间可通过清算系统实现统一格式的URL(Uniform Resource Locator，统一资源定位符)路由跳转实现软件间的互联互通，在本公开实施例中，对支付请求进行数字签名，并通过收单系统向商户端返回响应结果之前，清算系统接收账户端所对应账户后台系统上报的路由跳转地址；保存路由跳转地址，并建立路由跳转地址与账户端之间的对应关系。
进一步地，清算系统接收账户端所对应账户后台系统上报的路由跳转地址之后，清算系统获取多个操作系统的类型，以及与类型一一对应的指示符；在路由跳转地址中分别添加指示符，得到多个与类型分别对应的增强后路由跳转地址。对应的，保存路由跳转地址，并建立路由跳转地址与账户端之间的对应关系，具体为：保存增强后路由跳转地址，并建立增强后路由跳转地址与账户端以及操作系统类型之间的对应关系。
也就是说，清算系统接收账户端所对应账户后台系统上报的路由跳转地址之后，可获取安装该账号端的多个终端设备的操作系统的类型，比如，安卓、IOS(iPhone Operation System，苹果公司的移动操作系统)等；接着，获取所述操作系统的类型对应的指示符，也就是通过所述指示符可获取到安装该账号端的终端设备的操作系统的类型，之后，将指示符分别添加到路由跳转地址中，可得到与操作系统类型对应的增强后路由跳转地址，最后，保存所述增强后路由跳转地址，并建立增强后路由跳转地址与账户端以及操作系统类型之间的对应关系。
进一步地，清算系统通过收单系统向所述商户端返回响应结果的过程中，清算系统可获取安装商户端的终端设备的操作系统的类型，将类型作为待响应类型；根据待响应类型，查询账户端的对应关系，获取与待响应类型以及账户端建立有对应关系的增强后路由跳转地址，作为待响应增强后路由跳转地址； 将待响应增强后路由跳转地址添加到响应结果中返回给商户端。
也就是说，清算系统根据安装商户端的终端设备的操作系统的类型，查询与账单端的对应关系，根据该对应关系，在保存的增强后路由跳转地址中，获取与该操作系统的类型以及账户端建立有对应关系的增强后路由跳转地址，并将所述增强后路由跳转地址添加到响应结果中返回给商户端。
本公开中，增强后路由跳转地址的使用，使得商户端可以直接根据增强后路由跳转地址跳转到账户端，避免根据未增强时的路由跳转地址跳转时，需要通过浏览器等跳转的缺陷，提高跳转速度。
本公开中，路由跳转地址的使用和提供，使得收单系统和商户端只用通过一种路由跳转方式即可支持所有账户端，降低集成及运维成本。并且，路由跳转地址的格式为国际标准格式，支持常用的操作系统，兼容性高，提高整体支付成功率。
另外，需要说明的是，商户端和账户端，可以安装在一个终端设备上，也可以安装在不同终端设备上。
为了保证支付信息隐私安全，在对支付请求进行数字签名时，采用账户后台系统的公钥对支付请求进行加密，并采用清算系统的私钥对经过加密的支付请求进行数字签名，通过收单系统向商户端返回响应结果，以便商户端将经过数字签名的支付请求通过账户端发送给账户后台系统后，账户后台系统采用清算系统的公钥对经过数字签名的支付请求进行验签，并采用账户后台系统的私钥对经过验签的支付请求进行解密，在解密成功后确定验证通过。由此，保证了支付信息的隐私安全。需要说明的是，账户后台系统在入网时，可获取到清算系统的公钥。
S105，接收到账户后台系统发送的支付操作结果，并通过收单系统向商户端返回支付操作结果。
具体地，清算系统在接收到账户后台系统发送的支付操作结果后，通过收单系统向商户端返回支付操作结果，以便用户查看支付操作结果。
综上，商户端与账户端通过清算系统以及其统一的签名、路由跳转地址路由跳转实现收单系统、商户端与账户端的互联互通，简化了系统间交互链路，降低复杂度，提高系统整体安全性，提高了整体支付处理效率。
为了更好地说明上述实施例，现举例进行说明。
举例而言，如图2所示。图2为根据本公开一个实施例的支付处理方法，具体实现过程如下：
步骤1：用户在终端设备的商户APP(Application，应用程序)选择账户APP进行商户订单支付；
步骤2，商户APP向收单系统发送支付申请(也可表述为支付请求)；
步骤3，收单系统向清算系统发送支付申请；
步骤4，清算系统受理，并对支付申请进行数字签名后，向收单系统返回受理结果(也可表述为响应结果)、签名内容、统一的APP路由跳转URL(Universal Resource Locater)。账户后台系统提前向清算机构报备URL。账户后台系统也可对URL，采用UniversalLinks(通用链接)、AppLinks(应用程序链接)等技术进行用户体验增强处理；清算系统保存增强处理后路由跳转地址，并建立增强后路由跳转地址与账户端以及操作类型之间的对应关系；
步骤5，根据商户APP的操作系统的类型，获取与该系统操作类型有对应关系的增强后路由跳转地址，收单系统向商户APP返回该增强后路由跳转URL及支付信息；
步骤6，商户APP根据URL路由跳转至账户APP，并传输收单系统的支付请求以及清算系统的数字签名内容，账户后台系统验证支付请求的签名后，向用户展示订单信息；
步骤7，用户授权账户机构扣款；
步骤8，账户APP通知账户后台系统进行扣款处理；
步骤9，账户后台系统向清算系统通知扣款处理结果；
步骤10，清算系统向收单系统通知支付结果(也可表述为支付操作结果)；
步骤11，收单系统向商户APP通知支付结果。
本公开实施例的支付处理方法，应用于清算系统，通过接收商户端通过收单系统发送的支付请求；对支付请求进行数字签名，并通过收单系统向商户端返回响应结果；响应结果包括：与账户端相对应的路由跳转地址，以使商户端根据路由跳转地址跳转到账户端，并将经过数字签名的支付请求通过账户端发送给账户后台系统进行验证，供账户后台系统在对数字签名验证通过后进行与支付请求相对应的支付操作，得到支付操作结果；接收账户后台系统发送的支付操作结果，并通过收单系统向商户端返回支付操作结果。由此，商户端与账户端通过清算系统以及其统一的签名、路由跳转地址路由跳转实现收单系统、商户端与账户端的互联互通，可以通过统一接口标准、统一软件路由跳转规范实现商户软件、账户软件功能一点接入、业务互联互通的能力，兼容性高，并且简化了系统间交互链路，降低复杂度，提高系统整体安全性，提高了整体支付处理效率。
与上述几种实施例提供的支付处理方法相对应，本公开的一种实施例还提供一种支付处理装置，由于本公开实施例提供的支付处理装置与上述几种实施例提供的支付处理方法相对应，因此前述支付处理方法的实施方式也适用于本实施例提供的支付处理装置，在本实施例中不再详细描述。图3为根据本公开一个实施例的支付处理装置的结构示意图。如图3所示，该支付处理装置包括：接收模块310、签名模块320、返回模块330。
其中，接收模块310，用于接收商户端通过收单系统发送的支付请求；签名模块320，用于对支付请求进行数字签名，并通过收单系统向商户端返回响应结果；响应结果包括与账户端相对应的路由跳转地址，以使商户端根据路由跳转地址跳转到账户端，并将经过数字签名的支付请求通过账户端发送给账户后台系统进行验证，供账户后台系统在对数字签名验证通过后进行与支付请求相对应的支付操作，得到支付操作结果；返回模块330，用于接收账户后台系统发送的支付操作结果，并通过收单系统向商户端返回支付操作结果。
作为本公开实施例的一种可能的实现方式，如图4所示，在图3所示基础上，支付处理装置还包括：保存模块340。
其中，保存模块340，用于保存路由跳转地址，并建立路由跳转地址与账户端之间的对应关系。
作为本公开实施例的一种可能的实现方式，路由跳转地址的格式为国际标准格式。
作为本公开实施例的一种可能的实现方式，如图5所示，在图4所示基础上，支付处理装置还包括：获取模块350和添加模块360。
其中，获取模块350，用于获取多个操作系统的类型，以及与类型一一对应的指示符；添加模块360，用于在路由跳转地址中分别添加所述指示符，得到多个与类型分别对应的增强后跳转地址；对应的，保存模块340具体用于，保存增强后路由跳转地址，并建立增强后路由跳转地址与账户端以及操作系统类型之间的对应关系。
作为本公开实施例的一种可能的实现方式，返回模块330具体用于，获取安装商户端的终端设备的操作系统的类型，将类型作为待响应类型；根据待响应类型，查询账户端的对应关系，获取与待响应类型以及账户端建立有对应关系的增强后路由跳转地址，作为待响应增强后路由跳转地址；将待响应增强后路由跳转地址添加到响应结果中返回给商户端。
作为本公开实施例的一种可能的实现方式，签名模块320具体用于，采用账户后台系统的公钥对所述支付请求进行加密，并采用清算系统的私钥对经过加密的支付请求进行数字签名，通过所述收单系统向商户端返回响应结果，以便商户端将经过数字签名的支付请求通过账户端发送给账户后台系统后，账户后台系统采用清算系统的公钥对经过数字签名的支付请求进行验签，并采用账户后台系统的私钥对经过验签的支付请求进行解密，在解密成功后确定验证通过。
本公开实施例的支付处理装置，应用于清算系统，通过接收商户端通过收 单系统发送的支付请求；对支付请求进行数字签名，并通过收单系统向商户端返回响应结果；响应结果包括与账户端相对应的路由跳转地址，以使商户端根据路由跳转地址跳转到账户端，并将经过数字签名的支付请求通过账户端发送给账户后台系统进行验证，供账户后台系统在对数字签名验证通过后进行与支付请求相对应的支付操作，得到支付操作结果；接收账户后台系统发送的支付操作结果，并通过收单系统向商户端返回支付操作结果。由此，商户端与账户端通过清算系统以及其统一的签名、路由跳转地址路由跳转实现通过清算系统实现收单系统、商户端与账户端的互联互通，可以通过统一接口标准、统一软件路由跳转规范实现商户软件、账户软件功能一点接入、业务互联互通的能力，兼容性高，并且简化了系统间交互链路，降低复杂度，提高系统整体安全性，提高了整体支付处理效率。
为了实现上述实施例，本公开还提出一种支付处理系统，如图6所示，图6为本公开实施例的支付处理系统的结构示意图。该支付处理系统包括：安装在终端设备上的商户端610、收单系统620、清算系统630、账户后台系统640以及账户端650。
其中，收单系统620，分别与商户端610和清算系统630连接；账户后台系统640分别与清算系统630和账户端650连接；商户端610，在用户选择账户端650进行订单支付时，通过收单系统620向所述清算系统630发送支付请求；清算系统630，用于对支付请求进行数字签名，并通过收单系620向所述商户端610返回响应结果；响应结果包括与账户端650相对应的路由跳转地址；商户端610，用于根据路由跳转地址跳转到账户端650，并将经过数字签名的支付请求通过账户端650发送给账户后台系统640进行验证；账户后台系统640，用于对经过数字签名的支付请求进行验证，在数字签名验证通过后进行与所述支付请求相对应的支付操作，得到支付操作结果并返回给清算系统630；清算系统630，还用于通过收单系统向商户端610返回支付操作结果。
在本说明书的描述中，参考术语“一个实施例”、“一些实施例”、“示例”、 “具体示例”、或“一些示例”等的描述意指结合该实施例或示例描述的具体特征、结构、材料或者特点包含于本公开的至少一个实施例或示例中。在本说明书中，对上述术语的示意性表述不必须针对的是相同的实施例或示例。而且，描述的具体特征、结构、材料或者特点可以在任一个或多个实施例或示例中以合适的方式结合。此外，在不相互矛盾的情况下，本领域的技术人员可以将本说明书中描述的不同实施例或示例以及不同实施例或示例的特征进行结合和组合。
此外，术语“第一”、“第二”仅用于描述目的，而不能理解为指示或暗示相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。在本公开的描述中，“多个”的含义是至少两个，例如两个，三个等，除非另有明确具体的限定。
流程图中或在此以其他方式描述的任何过程或方法描述可以被理解为，表示包括一个或更多个用于实现定制逻辑功能或过程的步骤的可执行指令的代码的模块、片段或部分，并且本公开的优选实施方式的范围包括另外的实现，其中可以不按所示出或讨论的顺序，包括根据所涉及的功能按基本同时的方式或按相反的顺序，来执行功能，这应被本公开的实施例所属技术领域的技术人员所理解。
在流程图中表示或在此以其他方式描述的逻辑和/或步骤，例如，可以被认为是用于实现逻辑功能的可执行指令的定序列表，可以具体实现在任何计算机可读介质中，以供指令执行系统、装置或设备(如基于计算机的系统、包括处理器的系统或其他可以从指令执行系统、装置或设备取指令并执行指令的系统)使用，或结合这些指令执行系统、装置或设备而使用。就本说明书而言，"计算机可读介质"可以是任何可以包含、存储、通信、传播或传输程序以供指令执行系统、装置或设备或结合这些指令执行系统、装置或设备而使用的装置。计算机可读介质的更具体的示例(非穷尽性列表)包括以下：具有一个或多个布线的电连接部(电子装置)，便携式计算机盘盒(磁装置)，随机存取存储器(Random Access Memory，简称为RAM)，只读存储器(Read-Only Memory，简称为ROM)， 可擦除可编辑只读存储器(Erasable Programmable Read-Only Memory，简称为EPROM或闪速存储器)，光纤装置，以及便携式光盘只读存储器(Compact Disc Read-Only Memory，简称为CDROM)。另外，计算机可读介质甚至可以是可在其上打印所述程序的纸或其他合适的介质，因为可以例如通过对纸或其他介质进行光学扫描，接着进行编辑、解译或必要时以其他合适方式进行处理来以电子方式获得所述程序，然后将其存储在计算机存储器中。
应当理解，本公开的各部分可以用硬件、软件、固件或它们的组合来实现。在上述实施方式中，多个步骤或方法可以用存储在存储器中且由合适的指令执行系统执行的软件或固件来实现。如，如果用硬件来实现和在另一实施方式中一样，可用本领域公知的下列技术中的任一项或他们的组合来实现：具有用于对数据信号实现逻辑功能的逻辑门电路的离散逻辑电路，具有合适的组合逻辑门电路的专用集成电路，可编程门阵列(Programmable Gate Array，简称为PGA)，现场可编程门阵列(Field Programmable Gate Array，简称为FPGA)等。
本技术领域的普通技术人员可以理解实现上述实施例方法携带的全部或部分步骤是可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，该程序在执行时，包括方法实施例的步骤之一或其组合。
此外，在本公开各个实施例中的各功能单元可以集成在一个处理模块中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个模块中。上述集成的模块既可以采用硬件的形式实现，也可以采用软件功能模块的形式实现。所述集成的模块如果以软件功能模块的形式实现并作为独立的产品销售或使用时，也可以存储在一个计算机可读取存储介质中。
上述提到的存储介质可以是只读存储器，磁盘或光盘等。尽管上面已经示出和描述了本公开的实施例，可以理解的是，上述实施例是示例性的，不能理解为对本公开的限制，本领域的普通技术人员在本公开的范围内可以对上述实施例进行变化、修改、替换和变型。

Claims (13)

  1. 一种支付处理方法，应用于清算系统，其中，包括：
    接收商户端通过收单系统发送的支付请求；
    对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响应结果；所述响应结果包括与账户端相对应的路由跳转地址，以使所述商户端根据所述路由跳转地址跳转到所述账户端，并将经过数字签名的支付请求通过所述账户端发送给账户后台系统进行验证，供所述账户后台系统在对数字签名验证通过后进行与所述支付请求相对应的支付操作，得到支付操作结果；
    接收所述账户后台系统发送的所述支付操作结果，并通过所述收单系统向所述商户端返回所述支付操作结果。
  2. 根据权利要求1所述的方法，其中，所述对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响应结果之前，还包括：
    接收账户端所对应账户后台系统上报的路由跳转地址；
    保存所述路由跳转地址，并建立所述路由跳转地址与所述账户端之间的对应关系。
  3. 根据权利要求1或2所述的方法，其中，所述路由跳转地址的格式为国际标准格式。
  4. 根据权利要求2所述的方法，其中，所述接收账户端所对应账户后台系统上报的路由跳转地址之后，还包括：
    获取多个操作系统的类型，以及与所述类型一一对应的指示符；
    在所述路由跳转地址中分别添加所述指示符，得到多个与所述类型分别对应的增强后路由跳转地址；
    对应的，保存所述路由跳转地址，并建立所述路由跳转地址与所述账户端之间的对应关系，具体为：
    保存所述增强后路由跳转地址，并建立所述增强后路由跳转地址与所述账户端以及操作系统类型之间的对应关系。
  5. 根据权利要求4所述的方法，其中，通过所述收单系统向所述商户端返回响应结果，包括：
    获取安装所述商户端的终端设备的操作系统的类型，将所述类型作为待响应类型；
    根据所述待响应类型，查询所述账户端的对应关系，获取所述与待响应类型以及所述账户端建立有对应关系的增强后路由跳转地址，作为待响应增强后路由跳转地址；
    将所述待响应增强后路由跳转地址添加到所述响应结果中返回给所述商户端。
  6. 根据权利要求1-5任一项所述的方法，其中，所述对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响应结果，包括：
    采用账户后台系统的公钥对所述支付请求进行加密，并采用清算系统的私钥对经过加密的支付请求进行数字签名，通过所述收单系统向商户端返回响应结果，以便商户端将经过数字签名的支付请求通过账户端发送给账户后台系统后，账户后台系统采用清算系统的公钥对经过数字签名的支付请求进行验签，并采用账户后台系统的私钥对经过验签的支付请求进行解密，在解密成功后确定验证通过。
  7. 一种支付处理装置，应用于清算系统，其中，包括：
    接收模块，用于接收商户端通过收单系统发送的支付请求；
    签名模块，用于对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响应结果；所述响应结果包括与账户端相对应的路由跳转地址，以使所述商户端根据所述路由跳转地址跳转到所述账户端，并将经过数字签名的支付请求通过所述账户端发送给账户后台系统进行验证，供所述账户后台系统在对数字签名验证通过后进行与所述支付请求相对应的支付操作，得到支付操作结果；
    返回模块，用于接收所述账户后台系统发送的所述支付操作结果，并通过 所述收单系统向所述商户端返回所述支付操作结果。
  8. 根据权利要求7所述的装置，其中，还包括：保存模块；
    所述接收模块，还用于接收所述账户端所对应账户后台系统上报的路由跳转地址；
    所述保存模块，用于保存所述路由跳转地址，并建立所述路由跳转地址与所述账户端之间的对应关系。
  9. 根据权利要求7或8所述的装置，其中，所述路由跳转地址的格式为国际标准格式。
  10. 根据权利要求8所述的装置，其中，还包括：获取模块和添加模块；
    所述获取模块，用于获取多个操作系统的类型，以及与所述类型一一对应的指示符；
    所述添加模块，用于在所述路由跳转地址中分别添加所述指示符，得到多个与所述类型分别对应的增强后跳转地址；
    对应的，所述保存模块具体用于，保存所述增强后路由跳转地址，并建立所述增强后路由跳转地址与所述账户端以及操作系统类型之间的对应关系。
  11. 根据权利要求10所述的装置，其中，所述返回模块具体用于，
    获取安装所述商户端的终端设备的操作系统的类型，将所述类型作为待响应类型；
    根据所述待响应类型，查询所述账户端的对应关系，获取所述与待响应类型以及所述账户端建立有对应关系的增强后路由跳转地址，作为待响应增强后路由跳转地址；
    将所述待响应增强后路由跳转地址添加到所述响应结果中返回给所述商户端。
  12. 根据权利要求7-11任一项所述的装置，其中，所述签名模块具体用于，
    采用账户后台系统的公钥对所述支付请求进行加密，并采用清算系统的私钥对经过加密的支付请求进行数字签名，通过所述收单系统向商户端返回响应 结果，以便商户端将经过数字签名的支付请求通过账户端发送给账户后台系统后，账户后台系统采用清算系统的公钥对经过数字签名的支付请求进行验签，并采用账户后台系统的私钥对经过验签的支付请求进行解密，在解密成功后确定验证通过。
  13. 一种支付处理系统，其中，包括：
    安装在终端设备上的商户端、收单系统、清算系统、账户后台系统以及账户端；
    所述收单系统，分别与所述商户端和所述清算系统连接；所述账户后台系统分别与所述清算系统和所述账户端连接；
    所述商户端，在用户选择账户端进行订单支付时，通过所述收单系统向所述清算系统发送支付请求；
    所述清算系统，用于对所述支付请求进行数字签名，并通过所述收单系统向所述商户端返回响应结果；所述响应结果包括与账户端相对应的路由跳转地址；
    所述商户端，用于根据所述路由跳转地址跳转到所述账户端，并将经过数字签名的支付请求通过所述账户端发送给账户后台系统进行验证；
    所述账户后台系统，用于对经过数字签名的支付请求进行验证，在数字签名验证通过后进行与支付请求相对应的支付操作，得到支付操作结果并返回给清算系统；
    所述清算系统，还用于通过收单系统向所述商户端返回所述支付操作结果。
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