CN110245925A - Electric paying method, system, device and computer readable storage medium - Google Patents
Electric paying method, system, device and computer readable storage medium Download PDFInfo
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- CN110245925A CN110245925A CN201910419338.3A CN201910419338A CN110245925A CN 110245925 A CN110245925 A CN 110245925A CN 201910419338 A CN201910419338 A CN 201910419338A CN 110245925 A CN110245925 A CN 110245925A
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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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The present invention provides a kind of electric paying method, system, device and computer readable storage mediums, for the e-payment of trade company, user and payment mechanism between the parties, it is characterized in that, the described method includes: the register account number of one or more payment accounts of user and user is associated binding based on the interaction with user to generate payment accounts pond by merchant tenninal, and the payment accounts pond is stored in trade company's stage apparatus；According to prespecified payment rule, the merchant tenninal initiates commodity payment push request, and pays push request to commodity described in payment mechanism application by trade company's stage apparatus；Push request is paid according to the commodity, commodity push pay warrant is pushed to the held mobile terminal of user by the payment mechanism, and pushes pay status to merchant tenninal notice commodity；User pushes pay warrant according to the commodity and completes payment, and the payment mechanism confirmation commodity push pay warrant simultaneously updates the commodity push pay status.
Description
Technical field
The present invention relates to fields of communication technology, more specifically to a kind of electric paying method, system, device and meter
Calculation machine readable storage medium storing program for executing.
Background technique
Current businessman and user generally take e-payment form to carry out payment consumption, that is, pass through application APP application
The calling interface (SDK, API form) of Third-party payment is docked, then businessman generates according to third-party payment system protocol format
Two dimensional code is paid, consumer-user opens corresponding Third-party payment electronics by terminals such as mobile phones and completes barcode scanning payment.The mode
Website payment has been generally applicable to it, TV box subscribes to the scenes such as payment.
But this payment flow requires user that must could complete using forms such as barcode scannings, it is relatively time-consuming cumbersome.Especially
For being bought under payment scene in time, in the case where payment takes a long time, user's final consumption delivery rate will affect.Therefore,
User's final consumption can be preferably facilitated to pay by developing more convenient and fast e-payment process.
Summary of the invention
Aiming at the problem that above-mentioned e-payment process need to carry out barcode scanning payment, provide one kind can be applicable to the embodiment of the present invention
Trade company, user and payment mechanism realize electric paying method, system, device and the calculating of the scene of purchase payment immediately between the parties
Machine readable storage medium storing program for executing.
The technical solution that the present invention solves above-mentioned technical problem is to provide a kind of electric paying method, which comprises
Merchant tenninal based on the interaction with user by the register account number of one or more payment accounts of user and user into
The payment accounts pond is stored in trade company's stage apparatus to generate payment accounts pond by row association binding；
According to prespecified payment rule, the merchant tenninal initiates commodity payment push request, and passes through the quotient
Family stage apparatus pays push request to commodity described in payment mechanism application；
Push request is paid according to the commodity, commodity push pay warrant is pushed to user and held by the payment mechanism
Mobile terminal, and pay status is pushed to merchant tenninal notice commodity；
User pushes pay warrant according to the commodity and completes payment, and the payment mechanism confirmation commodity push pay warrant
And update the commodity push pay status.
Preferably, the payment accounts pond includes the different payment accounts of the same payment mechanism, or different payment mechanisms
Different payment accounts；The merchant tenninal is based on the interaction with user by one or more payment accounts of user and user
Register account number is associated binding to generate payment accounts pond, and the payment accounts pond is stored in the step of trade company's stage apparatus
Suddenly include:
Trade company's stage apparatus sends the payment mechanism for the payment accounts pond and stores, and passes through the payment
Payment accounts pond described in organization management；
Payment account described in the payment mechanism authorization identifying and or merchant tenninal user register account number, and to passing through
The merchant tenninal distribution terminal of authorization identifying identifies.
Preferably, the register account number of payment account and merchant tenninal user described in the payment mechanism authorization identifying, and to
The step of being identified by the merchant tenninal distribution terminal of authorization identifying include:
Dynamic refresh and the credible and secure grade for obtaining the payment accounts and merchant tenninal in real time, the payment mechanism are sentenced
The confidence level and credible score value of the payment accounts of breaking and merchant tenninal；
When the confidence level and credible score value of the payment accounts and merchant tenninal are lower than threshold value, the payment mechanism is awarded
Power authenticates the payment account and the register account number of merchant tenninal user, and to the merchant tenninal distribution terminal for passing through authorization identifying
Mark；
When the confidence level and credible score value of the payment accounts and merchant tenninal reach or are restored to not less than threshold value
When, then do not execute payment account described in the payment mechanism authorization identifying and the registration account of merchant tenninal user in predetermined period
Number, or an execution authorization identifying is selected to the register account number of the payment account and merchant tenninal user.
Preferably, the prespecified payment rule includes sequence payment, circulation payment, stochastic payoffs, pro rata distribution
Payment；It is described according to prespecified payment rule, the merchant tenninal initiates commodity payment push request, and passes through the quotient
Family stage apparatus pays the step of push is requested to commodity described in payment mechanism application
According to the goods orders amount of money, according to prespecified payment rule, the merchant tenninal tears a goods orders open
It is divided into the sub- order of multiple commodity, according to the sub- order of the multiple commodity, the merchant tenninal is initiated multiple commodity payments and pushed away
Request is sent, and is requested by trade company's stage apparatus to the multiple commodity payment push of payment mechanism application.
Preferably, described to pay push request according to the commodity, the payment mechanism pushes away commodity push pay warrant
It send to the held mobile terminal of user, and the step of pushing pay status to merchant tenninal notice commodity includes:
According to the goods orders amount of money, according to prespecified payment rule, the payment mechanism is by the commodity branch
It pays push request and splits into multiple commodity payment push requests.
Preferably, described to pay push request according to the commodity, the payment mechanism pushes away commodity push pay warrant
It send to the held mobile terminal of user, and the step of pushing pay status to merchant tenninal notice commodity includes:
According to multiple commodity payment push requests, the payment mechanism pushes to the push pay warrant of multiple commodity
The held mobile terminal of user, and multiple commodity push pay status are notified to the merchant tenninal；
The user pushes pay warrant according to the commodity and completes payment, the payment mechanism confirmation commodity push payment
It orders and includes: the step of updating the commodity push pay status
When the push pay warrant of multiple commodity pays success, the payment mechanism determines multiple commodity push payments
Order payment is completed, and updating the commodity push pay status is " paying successfully "；
When there is payment failure in the push pay warrant of multiple commodity, the payment mechanism determines multiple commodity push
Pay warrant payment does not complete, and updating commodity push pay status is " payment failure ", and the merchant tenninal is to institute
It states payment mechanism and initiates refund request, and prepaid fund is returned to payment account.
The embodiment of the present invention also provides a kind of electronic fare payment system, between the parties for trade company, user and payment mechanism
E-payment, the system comprises payment accounts administrative unit, request payment unit, push pay warrant units and determination
Payment unit, in which:
The payment accounts administrative unit is propped up the one or more of user based on the interaction with user for merchant tenninal
The register account number of family and user of paying a bill is associated binding to generate payment accounts pond, and the payment accounts pond is stored in quotient
Family stage apparatus；
The request payment unit, for according to prespecified payment rule, the merchant tenninal to initiate commodity payment
Push request, and push request is paid to commodity described in payment mechanism application by trade company's stage apparatus；The preparatory rule
Fixed payment rule includes sequence payment, circulation payment, stochastic payoffs, pro rata distribution payment；
The push pay warrant unit, for paying push request according to the commodity, the payment mechanism is by commodity
Push pay warrant pushes to the held mobile terminal of user, and pushes pay status to merchant tenninal notice commodity；
The determining payment unit completes payment, the payment for pushing pay warrant according to the commodity in user
Mechanism confirmation commodity push pay warrant simultaneously updates the commodity push pay status.
Preferably, the payment accounts pond includes the different payment accounts of the same payment mechanism, or different payment mechanisms
Different payment accounts；
The payment accounts administrative unit, be also used to trade company's stage apparatus send the payment accounts pond to it is described
Payment mechanism simultaneously stores, and manages the payment accounts pond by the payment mechanism；It is propped up described in the payment mechanism authorization identifying
Pay a bill family and or merchant tenninal user register account number, and identified to by the merchant tenninal distribution terminal of authorization identifying；
And the payment accounts administrative unit dynamic refresh and the credible of the payment accounts and merchant tenninal is obtained in real time
Security level, the payment mechanism judge the payment accounts and merchant tenninal confidence level and credible score value；When the branch
When the confidence level and credible score value of the number of paying a bill and merchant tenninal are lower than threshold value, prop up and pay a bill described in the payment mechanism authorization identifying
The register account number of family and merchant tenninal user, and identified to by the merchant tenninal distribution terminal of authorization identifying；When the payment
When the confidence level and credible score value of account and merchant tenninal reach or be restored to not less than threshold value, then in predetermined period not
The register account number of payment account and merchant tenninal user described in the payment mechanism authorization identifying is executed, or to the payment account
An execution authorization identifying is selected with the register account number of merchant tenninal user.
The embodiment of the present invention also provides a kind of payment devices, including memory and processor, deposits in the memory
The computer program that can be executed in the processor is contained, and realizes when the processor execution computer program and such as takes up an official post
The step of electric paying method described in one.
The embodiment of the present invention also provides a kind of computer readable storage medium, is stored with computer on the storage medium
Program, when the computer program is executed by processor, realize as above any one of the electric paying method the step of.
Electric paying method, system, device and the computer readable storage medium of the embodiment of the present invention, merchant tenninal into
The binding that is associated with of row payment account and the register account number of user, and merchant tenninal passes through payment structure directly by commodity pay warrant
The held mobile terminal of user is pushed to, realizes that user directly completes to pay according to commodity pay warrant, is effectively simplified user and exists
The process that e-payment is carried out between different terminals, improves payment efficiency.In addition, according to the register account number of payment account and user
Association binding generate payment accounts pond, and multiple payment accounts are identified and are managed, a variety of payment canals of user can be met
The demand in road and the means of payment, and the embodiment of the present invention also passes through security certificate task, improves the safety of e-payment.
Detailed description of the invention
Fig. 1 is the flow diagram for the electric paying method that first embodiment of the invention provides；
Fig. 2 is the flow diagram for the electric paying method that second embodiment of the invention provides；
Fig. 3 is the schematic diagram for the electronic fare payment system that third embodiment of the invention provides；
Fig. 4 is the schematic diagram for the payment devices that fourth embodiment of the invention provides.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
As shown in Figure 1, being the flow diagram for the electric paying method that first embodiment of the invention provides, the e-payment
Method can be used for the vehicle-mounted payment scene of intelligent TV set under intelligent domestic scene, the commodity of TV box and intelligent automobile,
User's operation process in electronic payment process can effectively be simplified, improve payment efficiency.The electric paying method of the present embodiment has
Body includes:
Step S11: merchant tenninal is based on the interaction with user by one or more payment accounts of user and the note of user
Volume account is associated binding to generate payment accounts pond, and the payment accounts pond is stored in trade company's stage apparatus.It is above-mentioned
Payment accounts pond related data can be stored in trade company's stage apparatus, in this way, even if merchant tenninal shutdown restart or replace after,
It is arranged without repetition.
Said one or multiple payment accounts can (such as the hand-held behaviour by being connected to merchant tenninal according to the user's choice
Make the input such as device) confirmation, such as a variety of channel of disbursement accounts of bank card, wechat, Alipay, and above-mentioned payment accounts pond includes same
The different payment accounts (payment account of the difference natural person such as the first user, second user, third user) of one payment mechanism,
Or the different payment accounts (the same natural person or different natural persons) of different payment mechanisms.Specifically, user refers to together
One people natural person, the natural person that can also be different, payment account refer to same type or different types of payment account.Quotient
When family terminal initiates payment push, payment request can be pushed to different branch according to certain push rule and paid a bill by business terminal
Family improves user and pays degree of flexibility.For example, user has the first payment account and the second payment account, setting payment push rule
It is then sequential system.That is, merchant tenninal, which binds the first payment account according to user, initiates payment push, when the first payment account branch
It pays in the unsuccessful situation of push, the pre-defined rule for taking sequence to pay, the second payment account is selected to initiate payment push.When twice
In the case of push payment request all fails, then this payment push does not complete.
In addition, above-mentioned trade company's stage apparatus sends the payment mechanism for the payment accounts pond and stores, pass through institute
It states payment mechanism and manages the payment accounts pond.When needing that the payment accounts of binding deleted, updated etc. with management, then may be used
Corresponding operating is completed with the interface provided by payment mechanism.
In order to improve payment safety requirement real-time, reliability, payment account described in above-mentioned payment mechanism authorization identifying
With or merchant tenninal user register account number, and identified to by the merchant tenninal distribution terminal of authorization identifying.Pass through binding
The dual-license of merchant tenninal and payment accounts certification, it can be ensured that merchant tenninal and payment accounts are both secure and trusted.By
Separate hardware encryption can be taken in the terminal iidentification of merchant tenninal, and individually storage, the safety compared to more individual payment accounts are close
Code, which has, more highly difficult anti-cracks interception.Therefore, dual mode is authenticated using software and hardware, payment authentication can be effectively improved
Safety.
Further, consider that dual-license certification may will increase certification and complicate, propose a kind of for user account, branch
It pays terminal device and carries out authentication-exempt method in confidence level label and predetermined period.Specifically include: dynamic refresh simultaneously obtains in real time
The credible and secure grade (such as credible and secure grade be divided into high, medium and low) of the payment accounts and merchant tenninal, payment mechanism is sentenced
The confidence level and credible score value of the payment accounts of breaking and merchant tenninal；It is credible etc. when the payment accounts and merchant tenninal
When grade and credible score value are lower than threshold value, the registration account of payment account described in the payment mechanism authorization identifying and merchant tenninal user
Number, and identified to by the merchant tenninal distribution terminal of authorization identifying；When the payment accounts and the confidence level of merchant tenninal
When reaching with credible score value or being restored to not less than threshold value, then institute is not executed in predetermined period (such as 12 hours, 24 hours)
The register account number of payment account described in payment mechanism authorization identifying and merchant tenninal user is stated, or to the payment account and trade company
The register account number of terminal user selects an execution authorization identifying.Authorization identifying strategy is adjusted by dynamic differentialization, safety is improved and recognizes
Efficiency is demonstrate,proved, the message overhead frequently authenticated is reduced.
Step S12: according to prespecified payment rule, the merchant tenninal initiates commodity payment push request, and leads to
It crosses trade company's stage apparatus and pays push request to commodity described in payment mechanism application.
Particularly, prespecified payment rule includes sequence payment, recycles payment, stochastic payoffs, pro rata distribution payment,
Wherein prespecified payment rule is defined by merchant tenninal, selects method of payment for user, so that merchant tenninal is logical
It crosses trade company's stage apparatus and pays push request to payment mechanism application commodity according to prespecified payment rule.
When the means of payment that user's selection percentage is shared, according to the goods orders amount of money, advised according to prespecified payment
Then, a goods orders are split into the sub- order of multiple commodity by the merchant tenninal, described according to the sub- order of the multiple commodity
Merchant tenninal initiates multiple commodity payment push requests, and multiple to payment mechanism application by trade company's stage apparatus
The commodity payment push request.
It, can also will be described by payment mechanism according to prespecified payment rule in addition, according to the goods orders amount of money
Commodity payment push request splits into multiple commodity payment push requests.
It should be noted that the maximum difference of aforementioned proportion allocation way is to complete payment by merchant tenninal or payment mechanism
Request is split, but during actual implementation, there is also by the two in conjunction with the case where realize that pro rata distribution is paid.
Step S13: push request is paid according to the commodity, the payment mechanism pushes to commodity push pay warrant
The held mobile terminal of user, and pay status is pushed to merchant tenninal notice commodity.
Particularly, according to multiple commodity payment push requests, multiple commodity are pushed payment life by the payment mechanism
Order pushes to the held mobile terminal of user, and notifies multiple commodity push pay status to the merchant tenninal；
When the push pay warrant of multiple commodity pays success, the payment mechanism determines multiple commodity push payments
Order payment is completed, and updating the commodity push pay status is " paying successfully "；
When there is payment failure in the push pay warrant of multiple commodity, the payment mechanism determines multiple commodity push
Pay warrant payment does not complete, and updating commodity push pay status is " payment failure ", and the merchant tenninal is to institute
It states payment mechanism and initiates refund request, and prepaid fund is returned to payment account.Through the above steps, it can be ensured that ratio
Share accuracy, the integrality of payment result.Also, pro rata distribution each time payment trigger condition occur when, all need by
All payment results are verified, to facilitate when payment exception occurring in payment process and carry out anomaly analysis and and move back
Money processing, ensures the interests of user.
Above-mentioned electric paying method carries out the binding that is associated with of payment account and the register account number of user in merchant tenninal, and
Commodity pay warrant is directly pushed to the held mobile terminal of user by payment structure by merchant tenninal, realizes the direct basis of user
Payment is completed in commodity pay warrant, is effectively simplified the process that user carries out e-payment between different terminals, improves payment
Efficiency.In addition, generating payment accounts pond with the binding that is associated with of the register account number of user according to payment account, and pay a bill to multiple
Family is identified and is managed, and can meet the needs of a variety of channel of disbursement of user and means of payment, and the embodiment of the present invention is also logical
Security certificate task is crossed, the safety of e-payment is improved.
As shown in Fig. 2, being the flow diagram for the electric paying method that second embodiment provides.The electronics branch of the embodiment
Paying method specific steps includes:
(1) user binds account operation to the merchant tenninal application of connection by held mobile terminal；
(2) merchant tenninal initiates binding account request to trade company's stage apparatus；
(3) trade company's stage apparatus initiates authorization identifying to payment mechanism according to binding account request；
(4) user's authorization identifying is confirmed to trade company's stage apparatus in payment mechanism；
(5) register account number of one or more payment accounts of user and user is associated binding by trade company's stage apparatus
And it stores and merchant tenninal is notified to confirm user's authorization identifying；
(6) merchant tenninal notifies user's authorization identifying result；
(7) user initiates commodity purchasing operation to merchant tenninal after receiving confirmation authorization identifying result；
(8) merchant tenninal operates to trade company's stage apparatus according to commodity purchasing and initiates commodity payment push request；
(9) trade company's stage apparatus pays push request according to commodity and pays push request to payment mechanism application commodity；
(10) payment mechanism pays push request to the held terminal push commodity payment push order of user according to commodity；
(11) payment mechanism pushes pay status to the notice commodity payment of trade company's stage apparatus；
(12) trade company's stage apparatus notice merchant tenninal commodity payment push pay status；
(13) user pays push order confirmation according to commodity and completes delivery operation；
(14) payment mechanism is paid successfully to trade company's stage apparatus notice commodity；
(15) trade company's stage apparatus notice merchant tenninal commodity payment push is paid successfully.
As shown in figure 3, the embodiment of the present invention also provides a kind of electronic fare payment system, for trade company, user and payment machine
The e-payment of structure between the parties.The electronic fare payment system of the present embodiment includes payment accounts administrative unit 31, request paying bill
Member 32, push pay warrant unit 33 and determining payment unit 34, above-mentioned payment accounts administrative unit 31, request payment unit
32, it pushes pay warrant unit 33 and determines that payment unit 34 combines the software sharing of operation on an electronic device.
Payment accounts administrative unit 31 is paid the one or more of user based on the interaction with user for merchant tenninal
Account and the register account number of user are associated binding to generate payment accounts pond, and the payment accounts pond is stored in trade company
Stage apparatus.
Pay warrant unit 33 is pushed, for paying push request according to the commodity, the payment mechanism pushes away commodity
It send pay warrant to push to the held mobile terminal of user, and pushes pay status to merchant tenninal notice commodity.
It determines payment unit 34, completes payment, the payment machine for pushing pay warrant according to the commodity in user
Structure confirmation commodity push pay warrant simultaneously updates the commodity push pay status.
In addition, above-mentioned payment accounts pond includes the different payment accounts of the same payment mechanism, or different payment mechanisms
Different payment accounts.And payment accounts administrative unit 31, it is also used to trade company's stage apparatus and sends the payment accounts pond
It to the payment mechanism and stores, the payment accounts pond is managed by the payment mechanism；The payment mechanism authorization identifying
The payment account and or merchant tenninal user register account number, and to passing through the merchant tenninal distribution terminal mark of authorization identifying
Know；31 dynamic refresh of payment accounts administrative unit and the credible and secure grade for obtaining the payment accounts and merchant tenninal in real time,
The payment mechanism judge the payment accounts and merchant tenninal confidence level and credible score value；As the payment accounts and quotient
When the confidence level of family terminal and credible score value are lower than threshold value, payment account described in the payment mechanism authorization identifying and trade company are whole
The register account number of end subscriber, and identified to by the merchant tenninal distribution terminal of authorization identifying；When the payment accounts and trade company
When the confidence level of terminal and credible score value reach or be restored to not less than threshold value, then the branch is not executed in predetermined period
The register account number of payment account and merchant tenninal user described in mechanism authorization identifying is paid, or to the payment account and merchant tenninal
The register account number of user selects an execution authorization identifying.
The electric paying method in electronic fare payment system and above-mentioned Fig. 1 corresponding embodiment in the present embodiment belongs to same structure
Think, specific implementation process is shown in corresponding embodiment of the method in detail, and the technical characteristic in embodiment of the method is implemented in this equipment
Corresponding in example to be applicable in, which is not described herein again.
The embodiment of the present invention also provides a kind of payment devices 4, as shown in figure 4, the payment devices 4 include storage
Device 41 and processor 42 are stored with the computer program that can be executed in processor 42 in memory 41, and processor 42 executes meter
The step of realizing electric paying method as described above when calculation machine program.
Payment devices 4 in the present embodiment belong to same with the electric paying method in above-mentioned Fig. 1 corresponding embodiment
Design, specific implementation process are shown in corresponding embodiment of the method in detail, and the technical characteristic in embodiment of the method is in this equipment reality
It applies to correspond in example and be applicable in, which is not described herein again.
The embodiment of the present invention also provides a kind of computer readable storage medium, and computer journey is stored on the storage medium
Sequence, when computer program is executed by processor, the step of realizing electric paying method as described above.Computer in the present embodiment
Electric paying method in readable storage medium storing program for executing and above-mentioned Fig. 1 corresponding embodiment belongs to same design, and specific implementation process is detailed
Carefully see corresponding embodiment of the method, and the technical characteristic in embodiment of the method is corresponding applicable in this apparatus embodiments, here
It repeats no more.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present application constitutes any limit
It is fixed.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can the division of unit, module carry out for example, in practical electronics, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed.Each functional unit in embodiment, module can integrate in a processor, be also possible to each
A unit physically exists alone, and can also be integrated in one unit with two or more units, and above-mentioned integrated unit was both
It can take the form of hardware realization, can also realize in the form of software functional units.In addition, each functional unit, module
Specific name be also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Unit in above system,
The specific work process of module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific electron and design constraint depending on technical solution.Professional technician
Each specific electronics can be used different methods to achieve the described function, but this realization is it is not considered that exceed
Scope of the present application.
In embodiment provided herein, it should be understood that disclosed e-payment, system and equipment, it can be with
It realizes by another way.For example, electronic fare payment system embodiment described above is only schematical.
In addition, each functional unit in each embodiment of the application can integrate in a processor, it is also possible to
Each unit physically exists alone, and can also be integrated in one unit with two or more units.Above-mentioned integrated unit
Both it can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can store in a computer readable storage medium.Based on this understanding, the application realizes above-mentioned implementation
All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
It may include: any entity or changing interface equipment, recording medium, USB flash disk, the movement that can carry the computer program code
Hard disk, magnetic disk, CD, computer storage, read-only memory (Read-Only Memory, ROM), random access memory
(Random Access Memory, RAM), electric carrier signal, telecommunication signal and software distribution medium etc..It needs to illustrate
It is that the content that the computer-readable medium includes can be fitted according to the requirement made laws in jurisdiction with patent practice
When increase and decrease, such as in certain jurisdictions, according to legislation and patent practice, computer-readable medium do not include be electric carrier wave
Signal and telecommunication signal.
Embodiment described above is only to illustrate the technical solution of the application, rather than its limitations；Although referring to aforementioned reality
Example is applied the application is described in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution should all
Comprising within the scope of protection of this application.
Claims (10)
1. a kind of electric paying method, for the e-payment of trade company, user and payment mechanism between the parties, feature exists
In, which comprises
Merchant tenninal is closed the register account number of one or more payment accounts of user and user based on the interaction with user
The payment accounts pond is stored in trade company's stage apparatus to generate payment accounts pond by connection binding；
According to prespecified payment rule, the merchant tenninal initiates commodity payment push request, and flat by the trade company
Platform device pays push request to commodity described in payment mechanism application；
Push request is paid according to the commodity, commodity push pay warrant is pushed to the held movement of user by the payment mechanism
Terminal, and pay status is pushed to merchant tenninal notice commodity；
User pushes pay warrant according to the commodity and completes payment, payment mechanism confirmation commodity push pay warrant and more
The new commodity push pay status.
2. electric paying method according to claim 1, which is characterized in that the payment accounts pond includes the same payment
The different payment accounts of mechanism, or the different payment accounts of different payment mechanisms；The merchant tenninal is based on the interaction with user
The register account number of one or more payment accounts of user and user is associated binding to generate payment accounts pond, and by institute
Stating the step of payment accounts pond is stored in trade company's stage apparatus includes:
Trade company's stage apparatus sends the payment mechanism for the payment accounts pond and stores, and passes through the payment mechanism
Manage the payment accounts pond；
Payment account described in the payment mechanism authorization identifying and or merchant tenninal user register account number, and to pass through authorization
The merchant tenninal distribution terminal of certification identifies.
3. electric paying method according to claim 2, which is characterized in that paid described in the payment mechanism authorization identifying
The register account number of account and merchant tenninal user, and to being wrapped the step of mark by the merchant tenninal distribution terminal of authorization identifying
It includes:
Dynamic refresh and the credible and secure grade for obtaining the payment accounts and merchant tenninal in real time, the payment mechanism judge institute
State payment accounts and merchant tenninal confidence level and credible score value；
When the confidence level and credible score value of the payment accounts and merchant tenninal are lower than threshold value, the payment mechanism authorization is recognized
Demonstrate,prove the register account number of the payment account and merchant tenninal user, and to the merchant tenninal distribution terminal mark for passing through authorization identifying
Know；
When the confidence level and credible score value of the payment accounts and merchant tenninal reach or be restored to not less than threshold value, then
Do not execute the register account number of payment account and merchant tenninal user described in the payment mechanism authorization identifying in predetermined period, or
One execution authorization identifying is selected to the register account number of the payment account and merchant tenninal user.
4. electric paying method according to claim 3, which is characterized in that the prespecified payment rule includes suitable
Sequence payment, circulation payment, stochastic payoffs, pro rata distribution payment；It is described according to prespecified payment rule, the merchant tenninal
Commodity payment push request is initiated, and push request is paid to commodity described in payment mechanism application by trade company's stage apparatus
The step of include:
According to the goods orders amount of money, according to prespecified payment rule, the merchant tenninal splits into a goods orders
Multiple sub- orders of commodity, according to the sub- order of the multiple commodity, the merchant tenninal, which initiates multiple commodity payment push, is asked
It asks, and is requested by trade company's stage apparatus to the multiple commodity payment push of payment mechanism application.
5. electric paying method according to claim 3, which is characterized in that described to be asked according to commodity payment push
It asks, commodity push pay warrant is pushed to the held mobile terminal of user by the payment mechanism, and is notified to the merchant tenninal
Commodity push pay status the step of include:
According to the goods orders amount of money, according to prespecified payment rule, the payment mechanism pushes away commodity payment
Request is sent to split into multiple commodity payment push requests.
6. electric paying method according to claim 4 or 5, which is characterized in that described paid according to the commodity pushes
Commodity push pay warrant is pushed to the held mobile terminal of user by request, the payment mechanism, and logical to the merchant tenninal
Know that the step of commodity push pay status includes:
According to multiple commodity payment push requests, the push pay warrant of multiple commodity is pushed to user by the payment mechanism
Held mobile terminal, and multiple commodity push pay status are notified to the merchant tenninal；
The user pushes pay warrant according to the commodity and completes payment, and the payment mechanism confirmation commodity push pay warrant
And the step of updating the commodity push pay status, includes:
When the push pay warrant of multiple commodity pays success, the payment mechanism determines that multiple commodity push pay warrant
Payment is completed, and updating the commodity push pay status is " paying successfully "；
When there is payment failure in the push pay warrant of multiple commodity, the payment mechanism determines multiple commodity push payments
Order payment does not complete, and updating commodity push pay status is " payment failure ", and the merchant tenninal is to the branch
It pays mechanism and initiates refund request, and prepaid fund is returned to payment account.
7. a kind of electronic fare payment system, for the e-payment of trade company, user and payment mechanism between the parties, feature exists
In the system comprises payment accounts administrative unit, request payment unit, push pay warrant unit and determining paying bills
Member, in which:
The payment accounts administrative unit is paid a bill one or more branch of user based on the interaction with user for merchant tenninal
The register account number of family and user are associated binding to generate payment accounts pond, and the payment accounts pond is stored in trade company and is put down
Platform device；
The request payment unit, for according to prespecified payment rule, the merchant tenninal to initiate commodity payment push
Request, and push request is paid to commodity described in payment mechanism application by trade company's stage apparatus；It is described prespecified
Payment rule includes sequence payment, circulation payment, stochastic payoffs, pro rata distribution payment；
The push pay warrant unit, for paying push request according to the commodity, the payment mechanism pushes commodity
Pay warrant pushes to the held mobile terminal of user, and pushes pay status to merchant tenninal notice commodity；
The determining payment unit completes payment, the payment mechanism for pushing pay warrant according to the commodity in user
The push pay warrant of confirmation commodity simultaneously updates the commodity push pay status.
8. electronic fare payment system according to claim 7, which is characterized in that the payment accounts pond includes the same payment
The different payment accounts of mechanism, or the different payment accounts of different payment mechanisms；
The payment accounts administrative unit is also used to trade company's stage apparatus for the payment accounts pond and is sent to the payment
Mechanism simultaneously stores, and manages the payment accounts pond by the payment mechanism；It props up and pays a bill described in the payment mechanism authorization identifying
Family and or merchant tenninal user register account number, and identified to by the merchant tenninal distribution terminal of authorization identifying；
And the payment accounts administrative unit dynamic refresh and the credible and secure of the payment accounts and merchant tenninal is obtained in real time
Grade, the payment mechanism judge the payment accounts and merchant tenninal confidence level and credible score value；When the branch is paid a bill
Number and merchant tenninal confidence level and credible score value when being lower than threshold value, payment account described in the payment mechanism authorization identifying and
The register account number of merchant tenninal user, and identified to by the merchant tenninal distribution terminal of authorization identifying；When the payment accounts
And the confidence level and credible score value when reaching or being restored to not less than threshold value of merchant tenninal, then it is not executed in predetermined period
The register account number of payment account and merchant tenninal user described in the payment mechanism authorization identifying, or to the payment account and quotient
The register account number of family terminal user selects an execution authorization identifying.
9. a kind of payment devices, which is characterized in that including memory and processor, being stored in the memory can be in institute
The computer program of processor execution is stated, and is realized when the processor execution computer program as in claim 1 to 5
The step of described in any item electric paying methods.
10. a kind of computer readable storage medium, which is characterized in that computer program is stored on the storage medium, it is described
When computer program is executed by processor, realize as described in any one of claims 1 to 5 the step of electric paying method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910419338.3A CN110245925A (en) | 2019-05-20 | 2019-05-20 | Electric paying method, system, device and computer readable storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910419338.3A CN110245925A (en) | 2019-05-20 | 2019-05-20 | Electric paying method, system, device and computer readable storage medium |
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| CN110245925A true CN110245925A (en) | 2019-09-17 |
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| CN201910419338.3A Pending CN110245925A (en) | 2019-05-20 | 2019-05-20 | Electric paying method, system, device and computer readable storage medium |
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