CN109801075A - Method of payment, device, computer equipment and storage medium - Google Patents
Method of payment, device, computer equipment and storage medium Download PDFInfo
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Abstract
This application involves a kind of method of payment for being related to encryption technology field, device, computer equipment and storage mediums.The described method includes: obtaining the payment verification request that receiving side terminal is sent, payment verification request is that payer terminal inputs account information in the payment page of receiving side terminal and payment information generates, account information includes: the corresponding payer account of payer terminal and the corresponding recipient's account of receiving side terminal, parse payment verification request, the side's of getting paid account, recipient's account and payment information, according to payer account, inquire the corresponding channel of disbursement of payer account, when not inquiring the corresponding channel of disbursement of payer account, obtain the information of the pay down channel of the payer account of receiving side terminal acquisition, according to payment information, the resource of payer account is paid to recipient's account by pay down channel.It can be improved the treatment effeciency of payment using this method.
Description
Technical field
This application involves field of computer technology, more particularly to a kind of method of payment, device, computer equipment and storage
Medium.
Background technique
With the development of network technology, there is the activity paid on a large amount of online shopping and line in user in daily life,
On line in payment and online shopping, including two ways when e-Bank payment, needs to pay silver one is paid by Internetbank
Row card has opened internet bank function, is needed to input card number, password and U-shield password (dynamic short message) etc. in webpage by holder,
Then the authentication of holder is completed by bank, this means of payment needs to input a large amount of information, and efficiency is lower.It is another
Mode is by installing payment software (Alipay, wechat etc.) in user terminal, and payment software is provided to pay to jump to trade company and be connect
Mouthful, then user jumps to payment software interface and carries out delivery operation, or in such a way that two dimensional code is transferred accounts to trade company.However
Under this mode, payment software needs to complete all working in payment process, when portfolio increases severely, leads to the pressure of platform
It is excessive.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide one kind be able to solve portfolio increase lead to plateau pressure
Method of payment, device, computer equipment and the storage medium of big problem.
A kind of method of payment, which comprises
Obtain the payment verification request that receiving side terminal is sent；The payment verification request is that payer terminal connects described
Input account information and payment information generate in the payment page of debit's terminal；The account information includes: payer terminal
Corresponding payer account and the corresponding recipient's account of receiving side terminal；
The payment verification request is parsed, the payer account, recipient's account and the payment information are obtained；
According to the payer account, the corresponding channel of disbursement of the payer account is inquired；
When not inquiring the corresponding channel of disbursement of the payer account, the payment of receiving side terminal acquisition is obtained
The information of the pay down channel of square account；
According to the payment information, the resource of the payer account is paid by the pay down channel described
Recipient's account.
In one of the embodiments, further include: when not inquiring the corresponding channel of disbursement of the payer account, lead to
It crosses pre-set service routine and generates channel information acquisition instruction；The channel information acquisition instruction is sent to the reception
Square terminal, so that the receiving side terminal, which generates channel information according to the channel information acquisition instruction, acquires the page；Obtain institute
Receiving side terminal is stated using the information for the pay down channel for acquiring the payer terminal in the channel information acquisition page.
In one of the embodiments, further include: according to the type of the pay down channel, by the pay down canal
The information in road is sent to the bank validation interface of corresponding types；Letter of the bank validation interface to received pay down channel
Breath is authenticated；Receive the information for being proved to be successful information or authentication failed that the bank validation interface is sent；When receiving
When the information of the authentication failed, then failure is paid.
In one of the embodiments, further include: the identity label for receiving the receiving side terminal generates the verifying of interface
Request；It include the recipient's account and the payer account that payer terminal provides in the checking request；According to pre-
Recipient's account and the payer account are encrypted, are verified information by the Encryption Algorithm being first arranged；It will be described
Verification information is sent to the receiving side terminal, so that the receiving side terminal is according to the verification information and the payment information
Generate the checking request.
In one of the embodiments, further include: parse payment verification request, obtain the verification information and described
Payment information；According to pre-set decipherment algorithm, the verification information is decrypted, obtains recipient's account and branch
Pay square account.
In one of the embodiments, further include: inquire recipient's account corresponding recipient's sequence in advance respectively
Number and the payer account corresponding payer sequence number in advance；According to pre-set Encryption Algorithm, by the reception
Square sequence number and the payer sequence number are encrypted, and information is verified.
In one of the embodiments, further include: parse the checking request, obtain the verification information and the payment
Information；According to pre-set decipherment algorithm, the verification information is decrypted, obtains recipient's sequence number and described
Payer sequence number；The corresponding recipient's account of recipient's sequence number and the payer sequence number pair are inquired respectively
The payer account answered.
A kind of payment mechanism, described device include:
Request module, for obtaining the payment verification request of receiving side terminal transmission；The payment verification is requested
Payer terminal input account information and payment information in the payment page of the receiving side terminal generate；The account letter
Breath includes: the corresponding payer account of payer terminal and the corresponding recipient's account of receiving side terminal；
Request analysis module, for parsing the checking request, obtain the payer account, recipient's account and
The payment information；
Channel of disbursement obtains module, for inquiring the corresponding payment of the payer account according to the payer account
Channel；
Channel of disbursement rebuilds module, when not inquiring the corresponding channel of disbursement of the payer account, obtains recipient
The information of the pay down channel of the payer account of terminal acquisition；
Payment module, for according to the payment information, the resource of the payer account to be passed through the pay down
Channel pays recipient's account.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
Device performs the steps of when executing the computer program
Obtain the payment verification request that receiving side terminal is sent；The payment verification request is that payer terminal connects described
Input account information and payment information generate in the payment page of debit's terminal；The account information includes: payer terminal
Corresponding payer account and the corresponding recipient's account of receiving side terminal；
The checking request is parsed, the payer account, recipient's account and the payment information are obtained；
According to the payer account, the corresponding channel of disbursement of the payer account is inquired；
When not inquiring the corresponding channel of disbursement of the payer account, the payment of receiving side terminal acquisition is obtained
The information of the pay down channel of square account；
According to the payment information, the resource of the payer account is paid by the pay down channel described
Recipient's account.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
It is performed the steps of when row
Obtain the payment verification request that receiving side terminal is sent；The payment verification request is that payer terminal connects described
Input account information and payment information generate in the payment page of debit's terminal；The account information includes: payer terminal
Corresponding payer account and the corresponding recipient's account of receiving side terminal；
The checking request is parsed, the payer account, recipient's account and the payment information are obtained；
According to the payer account, the corresponding channel of disbursement of the payer account is inquired；
When not inquiring the corresponding channel of disbursement of the payer account, the payment of receiving side terminal acquisition is obtained
The information of the pay down channel of square account；
According to the payment information, the resource of the payer account is paid by the pay down channel described
Recipient's account.
Above-mentioned method of payment, device, computer equipment and storage medium are generated by receiving side terminal and payer terminal
Payment behavior, and checking request is generated, platform end receives the checking request, in terms of platform angle, in a payment behavior, puts down
End need to only be handled checking request, and final payment result is determined according to processing result, to greatly reduce flat
The work of platform.When handling checking request, checking request is parsed, determines payer account and the reception in payment behavior
Then square account is paid by the channel of disbursement of payer account to recipient's account.It can thus be seen that single instruction
Processing, the hsrdware requirements to platform end can be greatly reduced, portfolio increase severely when, can be improved platform end payment effect
Rate.
Detailed description of the invention
Fig. 1 is the application scenario diagram of method of payment in one embodiment；
Fig. 2 is the flow diagram of method of payment in one embodiment；
Fig. 3 is the flow diagram that the information Step of pay down channel is obtained in one embodiment；
Fig. 4 is the flow diagram that the mode of checking request is generated in one embodiment；
Fig. 5 is the structural block diagram of payment mechanism in one embodiment；
Fig. 6 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Method of payment provided by the present application can be applied in application environment as shown in Figure 1.Wherein, receiving side terminal
102 and payer terminal 106 communicated by network, receiving side terminal 102 and network is passed through by network and server 104
It is communicated.Wherein, receiving side terminal 102 and payer terminal 106 can be, but not limited to be various personal computers, notebook
Computer, smart phone, tablet computer and portable wearable device, server 104 can be either more with independent server
The server cluster of a server composition is realized.
Wherein, application program can be run in receiving side terminal 102 and payer terminal 106, when being paid, connect
Debit's terminal 102 generates the information of the payment page by application program, and the information for paying the page is sent to branch by gateway
It pays in square terminal 106, payment terminal 106 generates the payment page in its display interface according to the information of the payment page, by propping up
Page filling account information and payment information are paid, sends payment request to receiving side terminal 102.
Specifically, receiving side terminal 102 generates payment verification when receiving payment request, according to the information of the payment page
Request, and payment verification is requested to be sent in server 104 by network, server 104 receives payment verification request, leads to
It crosses and payment verification request is parsed, complete a payment flow.
In one embodiment, as shown in Fig. 2, providing a kind of method of payment, in this way applied to the service in Fig. 1
It is illustrated for device, comprising the following steps:
Step 202, the payment verification request that receiving side terminal is sent is obtained.
Wherein, payment verification request is that payer terminal inputs account information and branch in the payment page of receiving side terminal
Pay what information generated, account information includes: the corresponding payer account of payer terminal and the corresponding recipient of receiving side terminal
Account.
Payer terminal and receiving side terminal may each be mobile phone, personal computer etc., the payment page of receiving side terminal
It can be what the specific URL of payer terminal access was generated, be also possible to the two dimension that payer terminal scanning receiving side terminal provides
What code generated.
In addition, payer account is that payer terminal carries out account in the server and registers to obtain, recipient's account is
Receiving side terminal carries out what account was registered in the server.Therefore, recipient's account and payer account are to service
Account in device.
Step 204, parsing payment verification request, the side's of getting paid account, recipient's account and payment information.
Wherein, payment interface can be set in server, payment verification request is received by payment interface, therefore, is being connect
When receiving payment verification request, payment verification request can be parsed according to preset rules.
After server receives payment verification request, the verifying requested payment verification is triggered, therefore, preset rules can be with
It is set as verifying payer account, recipient's account and payment information.
Step 206, according to payer account, the corresponding channel of disbursement of payer account is inquired.
Wherein, channel of disbursement can be bank or other payment halfpaces, payer terminal are registered in the server
After account, the channel of disbursement corresponding to payer account can be set in the server, that is, payment has been stored in advance in server
The corresponding relationship of square account and channel of disbursement.One payment accounts can correspond to multiple channel of disbursement, when being paid, only need
Select one of those.
Step 208, when not inquiring the corresponding channel of disbursement of payer account, the payment of receiving side terminal acquisition is obtained
The information of the pay down channel of square account.
For the ease of distinguishing, channel of disbursement refers to being stored in advance channel in the server, and pay down channel refers to
It is the channel just rebuild in payment, but channel of disbursement and pay down channel are substantially without any difference.
It in another case, may be in advance without the corresponding channel of disbursement of storage payer account, therefore in server
In payment, need to rebuild channel of disbursement.When rebuilding channel of disbursement, by the instant branch of receiving side terminal acquisition payer account
Pay the information of channel.
Specifically, the information collection page of pay down channel can be generated in receiving side terminal, then by information collection
Page push to payer terminal, payer terminal fills in the information of corresponding pay down channel in the information collection page, so
The information of pay down channel is sent to by server by receiving side terminal afterwards.
Step 210, according to payment information, the resource of payer account is paid to recipient's account by pay down channel
Number.
Payment amount has been included at least in payment information, i.e., payment amount can have been determined according to payment information, is determining branch
After paying the amount of money and channel of disbursement, so that it may pay the resource of payment accounts to recipient's account by pay down channel.
Above-mentioned method of payment, device, computer equipment and storage medium are generated by receiving side terminal and payer terminal
Payment behavior, and checking request is generated, platform end receives the checking request, in terms of platform angle, in a payment behavior, puts down
End need to only be handled checking request, and final payment result is determined according to processing result, to greatly reduce flat
The work of platform.When handling checking request, checking request is parsed, determines payer account and the reception in payment behavior
Then square account is paid by the channel of disbursement of payer account to recipient's account.It can thus be seen that single instruction
Processing, the hsrdware requirements to platform end can be greatly reduced, portfolio increase severely when, can be improved platform end payment effect
Rate.
In one embodiment, as shown in figure 3, providing a kind of schematic flow of information Step for obtaining pay down channel
Figure, the specific steps are as follows:
Step 302, when not inquiring the corresponding channel of disbursement of payer account, it is raw to pass through pre-set service routine
At channel information acquisition instruction.
Step 304, channel information acquisition instruction is sent to recipient's end, so that debit's terminal is obtained according to channel information
Instruction generates channel information and acquires the page.
Step 306, receiving side terminal is obtained using the pay down for acquiring payer terminal in the channel information acquisition page
The information of channel.
In the present embodiment, by the service routine being arranged in server, it can send and request to receiving side terminal, it is right with this
Pay down channel is rebuild, to make to pay more convenient.
For step 302, in one embodiment, service routine can be a kind of WEB container, and payer account is being not detected
When number corresponding channel of disbursement, channel information acquisition instruction can be generated, and by way of HTTP request by WEB container
It is sent to receiving side terminal.
For step 304, in one embodiment, after receiving side terminal receives channel information acquisition instruction, channel is generated
The information collection page, in payer terminal point, after sending payment request, if feeding back payment without corresponding channel
Request is the channel information acquisition page.
In addition, in one embodiment, it is also necessary to the type of pay down channel is confirmed, then by pay down channel
Information is sent to the bank validation interface of corresponding types, and bank validation interface can be to the information of the pay down channel received
It is authenticated, receives the information of the information being proved to be successful or authentication failed that bank validation interface is sent, verified when receiving
When the information of failure, then failure is paid.
Specifically, bank is provided with bank validation interface, for carrying out authentication, due to different bank provide it is different
Bank validation interface, therefore firstly the need of the type for determining pay down channel.Such as: the silver of offer industrial and commercial bank, industrial and commercial bank
Row card verifying interface.The verifying of pay down channel can be verified using two elements, i.e., by the information of pay down channel
Bank's card number and name, verify pay down channel authenticity, if the information of pay down channel is errorless, to service
The successful information of device feedback validation, if the information of pay down channel is wrong, to the information of server feedback authentication failed.
In the information of instant channel of disbursement without mistaking, pay down channel can be converted to the corresponding branch of payer account
Channel is paid, to use when payment next time.
In the above-described embodiments, no matter whether payer account preserves corresponding channel of disbursement in the server, is propping up
It pays square terminal point to see, hence it is evident that operating time and the operation difficulty for shortening payer terminal keep the speed of payment more quick.
In one embodiment, as shown in figure 4, providing a kind of schematic flow chart of mode for generating checking request, specifically
Steps are as follows:
Step 402, it receives receiving side terminal and the checking request that interface is sent is generated by identity label.
It is a kind of verifying interface that server is provided to receiving side terminal that identity label, which generates interface, and server passes through identity
After label generates interface to information, verification information can be generated according to the information received.
Step 404, according to pre-set Encryption Algorithm, recipient's account and payer account is encrypted, obtained
Verification information.
Step 406, verification information is sent to receiving side terminal, so that receiving side terminal is according to verification information and disbursement letter
Breath generates payment verification request.
In the present embodiment, in order to solve the problems, such as that payment verification request is forged, interface is generated by providing identity label,
By Encryption Algorithm to recipient's account and payer account carry out encryption generate verification information, as long as therefore Encryption Algorithm do not let out
Dew, so that it may guarantee the safety of verification information, to solve the problems, such as that payment verification request is forged, improve the safety of payment
Property.
For step 402, identity label is pre-set in one embodiment, in server and generates interface, server is also
The information for generating interface to identity label is needed to screen, due to saving recipient's account and payer in server
The format of account, therefore the information of recipient's account and payer account format can be only received, to avoid identity label raw
At the garbage that interface is excessive, occupying system resources.
For step 404, in one embodiment, Encryption Algorithm can be symmetric encipherment algorithm, by symmetric encipherment algorithm,
Recipient's account and payer account are encrypted, information is verified.
In another embodiment, Encryption Algorithm can also be hash algorithm, by hash algorithm, to recipient's account and branch
The character string for paying square account composition is encoded, and the string of binary characters of preset length is obtained, using string of binary characters as testing
Demonstrate,prove information.In addition, server also needs to save the corresponding relationship of string of binary characters, recipient's account and payer account, with
Just subsequent query.
In the present embodiment, it is higher that the Encryption Algorithm of setting cracks difficulty, to make verification information be difficult to be cracked, further
The authenticity for checking request of guaranteeing payment.
In order to further ensure the safety of transaction security and guarantee account, in one embodiment, in receiving side terminal
When creating account in the server, while the corresponding recipient's sequence number of recipient's account is saved, and in payer terminal
When creating account in the server, while saving the corresponding payer serial number of payer account.Therefore, recipient is being received
When account and payer account, inquiry obtains the corresponding recipient's sequence number of recipient's account and the corresponding payment of payer account
Recipient's sequence number and payer sequence number are encrypted then according to Encryption Algorithm, are verified information by square sequence number.
In addition, recipient's sequence number and payer sequence number can be combined and then be encrypted before encryption
It is verified information.
In another embodiment, if Encryption Algorithm is hash algorithm, recipient's sequence number and payer sequence number can be with
It is the sequence number of binary format, is encrypted by hash algorithm, the verification information of available binary format, thus into
The safety of one step guarantee account information.
In one embodiment, server is verified information and disbursement letter when parsing to payment verification request
Breath, according to corresponding decipherment algorithm, is decrypted verification information, obtains recipient's sequence number and payer sequence number, respectively
The corresponding recipient's account of inquire-receive side's sequence number and the corresponding payer account of payer sequence number.
In above embodiments, by carrying out conversion processing to recipient's account and payer account, verification information is anti-
Feed receiving side terminal when, be also not easy to reveal, to promote the safety of payment.
For step 406, in one embodiment, receiving side terminal receives verification information, indicates to be verified, recipient
Terminal can generate payment verification request according to verification information.
In above-described embodiment, server generates interface by identity label, can also be to recipient's account and payer account
It number is verified, specifically can be whether to preserve corresponding recipient's account and payer account in authentication server, if verifying
Pass through, then carries out encryption to it and be verified information, thus, recipient can receive verification information, then illustrates preliminary body
Part certification passes through.
In one embodiment, parsing payment verification request step include: parsing payment verification request, be verified information and
Payment information is decrypted verification information according to pre-set decipherment algorithm, obtains recipient's account and payer account
Number.In the present embodiment, verification information is parsed by decipherment algorithm, the identification requested payment verification may be implemented, from
And the safety for checking request of guaranteeing payment.
In another embodiment, corresponding if Encryption Algorithm is symmetric encipherment algorithm, decipherment algorithm is that symmetrical decryption is calculated
Method, server select the corresponding decipherment algorithm of symmetric encipherment algorithm, request payment verification after receiving payment verification request
It is parsed, specifically verification information is decrypted, to get paid the recipient's account and branch for including in checking request
Pay square account.
In another embodiment, if Encryption Algorithm is hash algorithm, corresponding, decipherment algorithm can be set to query operator
Method, i.e. server are after receiving payment verification request, according to search algorithm, inquire string of binary characters, recipient's account and
The corresponding relationship of payer account, to obtain recipient's account and payer account, wherein string of binary characters verifies letter
Breath.
Hereinafter, with a specific embodiment, the present invention will be described:
When payer terminal has payment demand, payer terminal sends payment request to receiving side terminal, and recipient is whole
End generates the payment page and is sent to payer terminal after receiving payment request, and is shown in the display of payer terminal
Interface interactively enters account information and payment information by display interface.Receiving side terminal receives account information and payment information
Afterwards, the identity label of invoking server generates interface, and account information is generated interface by identity label and is sent to server, is taken
After business device receives account information, account information is encrypted according to Encryption Algorithm, is verified information, then to reception
Square terminal feedback validation information after receiving side terminal receives verification information, generates payment according to verification information and payment information
Payment verification request is sent to server by checking request.After server receives payment verification request, payment verification is requested
It is parsed, gets paid information and verification information, server is first decrypted verification information according to decipherment algorithm, obtains
Recipient's account and payer account, first verify that whether recipient's account has obligation authority, if having obligation authority, root
It can be according to payment canal if there is the case where channel of disbursement according to the corresponding channel of disbursement of payer account inquiry payer account
Road is paid, if not having the case where channel of disbursement, can create payer account pair by way of rebuilding channel of disbursement
The channel of disbursement answered, to complete to pay.
In above-described embodiment, in payer terminal, completion that can be convenient, quick, safe is paid, and improves tradition
The speed of payment in addition, server is only used for handling data in server, and does not have to the specific payment of concern
User further promotes the treatment effeciency of platform so as to reduce process flow, immediately when portfolio increases severely, platform
It can easily cope with.
It should be understood that although each step in the flow chart of Fig. 2-4 is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, these steps can execute in other order.Moreover, at least one in Fig. 2-4
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, the execution sequence in these sub-steps or stage is also not necessarily successively
It carries out, but can be at least part of the sub-step or stage of other steps or other steps in turn or alternately
It executes.
In one embodiment, as shown in figure 5, providing a kind of payment mechanism, comprising: request module 502, request
Parsing module 504, channel of disbursement obtain module 506, channel of disbursement rebuilds module 508 and payment module 510, in which:
Request module 502, for obtaining the payment verification request of receiving side terminal transmission；The payment verification request
It is that payer terminal inputs account information in the payment page of the receiving side terminal and payment information generates；The account
Information includes: the corresponding payer account of payer terminal and the corresponding recipient's account of receiving side terminal.
Request analysis module 504 obtains the payer account, the reception for parsing the payment verification request
Square account and the payment information；
Channel of disbursement obtains module 506, for inquiring the corresponding branch of the payer account according to the payer account
Pay channel.
Channel of disbursement rebuilds module 508, when not inquiring the corresponding channel of disbursement of the payer account, obtains and receives
The information of the pay down channel of the payer account of square terminal acquisition.
Payment module 510, for according to the payment information, the resource of the payer account to be passed through the instant branch
It pays channel and pays recipient's account.
Channel of disbursement rebuilds module 508 and is also used to that the payer account ought not be inquired in one of the embodiments,
When corresponding channel of disbursement, channel information acquisition instruction is generated by pre-set service routine；The channel information is obtained
Instruction fetch is sent to the receiving side terminal, so that the receiving side terminal generates channel according to the channel information acquisition instruction
The information collection page；Obtain the receiving side terminal using the channel information acquisition page in acquire the payer terminal
The information of pay down channel.
Channel of disbursement rebuilds module 508 and is also used to the class according to the pay down channel in one of the embodiments,
The information of the pay down channel is sent to the bank validation interface of corresponding types by type；The bank validation interface docking
The information of the pay down channel of receipts is authenticated；Receive the information being proved to be successful or test that the bank validation interface is sent
Demonstrate,prove the information of failure；When receiving the information of the authentication failed, then failure is paid.
In one of the embodiments, further include request generation module, passes through identity for receiving the receiving side terminal
Label generates the checking request that interface is sent；In the checking request include payer terminal provide recipient's account and
The payer account；According to pre-set Encryption Algorithm, recipient's account and the payer account are added
It is close, it is verified information；The verification information is sent to the receiving side terminal, so that the receiving side terminal is according to
Verification information and the payment information generate the payment verification request.
Request analysis module 504 is also used to parse the payment verification request in one of the embodiments, obtains described
Verification information and the payment information；According to pre-set decipherment algorithm, the verification information is decrypted, is obtained described
Recipient's account and payer account.
It is corresponding in advance to be also used to inquire recipient's account respectively for request generation module in one of the embodiments,
Recipient's sequence number and the payer account corresponding payer sequence number in advance；According to pre-set Encryption Algorithm,
Recipient's sequence number and the payer sequence number are encrypted, information is verified.
Request analysis module 504 is also used to parse the payment verification request in one of the embodiments, obtains described
Verification information and the payment information；According to pre-set decipherment algorithm, the verification information is decrypted, is obtained described
Recipient's sequence number and the payer sequence number；Inquire respectively the corresponding recipient's account of recipient's sequence number and
The corresponding payer account of the payer sequence number.
Specific about payment mechanism limits the restriction that may refer to above for method of payment, and details are not described herein.
Modules in above-mentioned payment mechanism can be realized fully or partially through software, hardware and combinations thereof.Above-mentioned each module can
It is embedded in the form of hardware or independently of in the processor in computer equipment, computer can also be stored in a software form and set
In memory in standby, the corresponding operation of the above modules is executed in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 6.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is for storing payer account and recipient's account data.The network interface of the computer equipment be used for
External terminal passes through network connection communication.To realize a kind of method of payment when the computer program is executed by processor.
It will be understood by those skilled in the art that structure shown in Fig. 6, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, the processor perform the steps of when executing computer program
Obtain the payment verification request that receiving side terminal is sent；The payment verification request is that payer terminal connects described
Input account information and payment information generate in the payment page of debit's terminal；The account information includes: payer terminal
Corresponding payer account and the corresponding recipient's account of receiving side terminal；
The payment verification request is parsed, the payer account, recipient's account and the payment information are obtained；
According to the payer account, the corresponding channel of disbursement of the payer account is inquired；
When not inquiring the corresponding channel of disbursement of the payer account, the payment of receiving side terminal acquisition is obtained
The information of the pay down channel of square account；
According to the payment information, the resource of the payer account is paid by the pay down channel described
Recipient's account.
In one embodiment, the branch ought not inquired by also performing the steps of when processor executes computer program
When paying the corresponding channel of disbursement of square account, passes through pre-set service routine and generate channel information acquisition instruction；By the canal
Acquisition of information instruction in road is sent to the receiving side terminal, so that the receiving side terminal is according to the channel information acquisition instruction
It generates channel information and acquires the page；Obtain the receiving side terminal using the channel information acquisition page in acquire the payment
The information of the pay down channel of square terminal.
In one embodiment, it also performs the steps of when processor executes computer program according to the pay down
The information of the pay down channel is sent to the bank validation interface of corresponding types by the type of channel；The bank validation
Interface authenticates the information of received pay down channel；Receive the letter being proved to be successful that the bank validation interface is sent
The information of breath or authentication failed；When receiving the information of the authentication failed, then failure is paid.
In one embodiment, it is also performed the steps of when processor executes computer program and receives recipient's end
End generates the checking request that interface is sent by identity label；It include that the described of payer terminal offer connects in the checking request
Debit's account and the payer account；According to pre-set Encryption Algorithm, by recipient's account and the payer
Account is encrypted, and information is verified；The verification information is sent to the receiving side terminal, so that the recipient is whole
End generates the payment verification according to the verification information and the payment information and requests.
In one embodiment, the parsing payment verification is also performed the steps of when processor executes computer program
Request, obtains the verification information and the payment information；According to pre-set decipherment algorithm, the verification information is carried out
Decryption, obtains recipient's account and payer account.
In one embodiment, it is also performed the steps of when processor executes computer program and inquires the reception respectively
Square account corresponding recipient's sequence number and the payer account corresponding payer sequence number in advance in advance；According to preparatory
Recipient's sequence number and the payer sequence number are encrypted, are verified information by the Encryption Algorithm of setting.
In one embodiment, the parsing payment verification is also performed the steps of when processor executes computer program
Request, obtains the verification information and the payment information；According to pre-set decipherment algorithm, the verification information is carried out
Decryption, obtains recipient's sequence number and the payer sequence number；The corresponding institute of recipient's sequence number is inquired respectively
State recipient's account and the corresponding payer account of the payer sequence number.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor
Obtain the payment verification request that receiving side terminal is sent；The payment verification request is that payer terminal connects described
Input account information and payment information generate in the payment page of debit's terminal；The account information includes: payer terminal
Corresponding payer account and the corresponding recipient's account of receiving side terminal；
The payment verification request is parsed, the payer account, recipient's account and the payment information are obtained；
According to the payer account, the corresponding channel of disbursement of the payer account is inquired；
When not inquiring the corresponding channel of disbursement of the payer account, the payment of receiving side terminal acquisition is obtained
The information of the pay down channel of square account；
According to the payment information, the resource of the payer account is paid by the pay down channel described
Recipient's account.
In one embodiment, it is also performed the steps of when computer program is executed by processor described in ought not inquiring
When the corresponding channel of disbursement of payer account, passes through pre-set service routine and generate channel information acquisition instruction；It will be described
Channel information acquisition instruction is sent to the receiving side terminal, so that the receiving side terminal refers to according to channel information acquisition
It enables and generates the channel information acquisition page；Obtain the receiving side terminal using the channel information acquisition page in acquire the branch
Pay the information of the pay down channel of square terminal.
In one embodiment, it is also performed the steps of when computer program is executed by processor according to the instant branch
The information of the pay down channel, is sent to the bank validation interface of corresponding types by the type for paying channel；The bank tests
Card interface authenticates the information of received pay down channel；Receive that the bank validation interface sends is proved to be successful
The information of information or authentication failed；When receiving the information of the authentication failed, then failure is paid.
In one embodiment, it is also performed the steps of when computer program is executed by processor and receives the recipient
Terminal generates the checking request that interface is sent by identity label；It include the described of payer terminal offer in the checking request
Recipient's account and the payer account；According to pre-set Encryption Algorithm, by recipient's account and the payment
Square account is encrypted, and information is verified；The verification information is sent to the receiving side terminal, so that the recipient
Terminal generates the payment verification according to the verification information and the payment information and requests.
In one embodiment, the parsing payment is also performed the steps of when computer program is executed by processor to test
Card request, obtains the verification information and the payment information；According to pre-set decipherment algorithm, to the verification information into
Row decryption, obtains recipient's account and payer account.
In one embodiment, it also performs the steps of when computer program is executed by processor and is connect described in inquiry respectively
Debit's account corresponding recipient's sequence number and the payer account corresponding payer sequence number in advance in advance；According to pre-
Recipient's sequence number and the payer sequence number are encrypted, are verified information by the Encryption Algorithm being first arranged.
In one embodiment, the parsing payment is also performed the steps of when computer program is executed by processor to test
Card request, obtains the verification information and the payment information；According to pre-set decipherment algorithm, to the verification information into
Row decryption, obtains recipient's sequence number and the payer sequence number；It is corresponding that recipient's sequence number is inquired respectively
Recipient's account and the corresponding payer account of the payer sequence number.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of method of payment, which comprises
Obtain the payment verification request that receiving side terminal is sent；The payment verification request is payer terminal in the recipient
Input account information and payment information generate in the payment page of terminal；The account information includes: that payer terminal is corresponding
Payer account and the corresponding recipient's account of receiving side terminal；
The payment verification request is parsed, the payer account, recipient's account and the payment information are obtained；
According to the payer account, the corresponding channel of disbursement of the payer account is inquired；
When not inquiring the corresponding channel of disbursement of the payer account, the payer account of receiving side terminal acquisition is obtained
The information of the pay down channel at family；
According to the payment information, the resource of the payer account is paid to the reception by the pay down channel
Square account.
2. method according to claim 1, which is characterized in that when not inquiring the corresponding channel of disbursement of the payer account
When, obtain the information of the pay down channel of the payer account of receiving side terminal acquisition, comprising:
When not inquiring the corresponding channel of disbursement of the payer account, passes through pre-set service routine and generate channel letter
Cease acquisition instruction；
The channel information acquisition instruction is sent to the receiving side terminal, so that the receiving side terminal is according to the channel
Acquisition of information instruction generates channel information and acquires the page；
The receiving side terminal is obtained using the pay down for acquiring the payer terminal in the channel information acquisition page
The information of channel.
3. according to the method described in claim 2, it is characterized in that, utilizing the channel information obtaining the receiving side terminal
After the information of the pay down channel acquired in the acquisition page, further includes:
According to the type of the pay down channel, the bank that the information of the pay down channel is sent to corresponding types is tested
Demonstrate,prove interface；The bank validation interface authenticates the information of received pay down channel；
Receive the information of the information being proved to be successful or authentication failed that the bank validation interface is sent；
When receiving the information of the authentication failed, then failure is paid.
4. the method according to claim 1, wherein generating the mode of payment verification request, comprising:
It receives the receiving side terminal and the checking request that interface is sent is generated by identity label；It include branch in the checking request
Pay recipient's account and the payer account that square terminal provides；
According to pre-set Encryption Algorithm, recipient's account and the payer account are encrypted, are verified
Information；
The verification information is sent to the receiving side terminal, so that the receiving side terminal is according to the verification information and institute
It states payment information and generates the payment verification request.
5. obtaining the payer according to the method described in claim 4, requesting it is characterized in that, parsing the payment verification
Account, recipient's account and the payment information, comprising:
The payment verification request is parsed, the verification information and the payment information are obtained；
According to pre-set decipherment algorithm, the verification information is decrypted, obtains recipient's account and payer
Account.
6. according to the method described in claim 5, being connect described it is characterized in that, described according to pre-set Encryption Algorithm
Debit's account and the payer account encrypt, and are verified information, comprising:
Inquiring recipient's account respectively, corresponding recipient's sequence number and the payer account are corresponding in advance in advance
Payer sequence number；
According to pre-set Encryption Algorithm, recipient's sequence number and the payer sequence number are encrypted, obtained
Verification information.
7. obtaining the payer according to the method described in claim 6, requesting it is characterized in that, parsing the payment verification
Account, recipient's account and the payment information, comprising:
The payment verification request is parsed, the verification information and the payment information are obtained；
According to pre-set decipherment algorithm, the verification information is decrypted, obtains recipient's sequence number and described
Payer sequence number；
The corresponding recipient's account of recipient's sequence number is inquired respectively and the payer sequence number is corresponding described
Payer account.
8. a kind of payment mechanism, which is characterized in that described device includes:
Request module, for obtaining the payment verification request of receiving side terminal transmission；The payment verification request is payment
Square terminal input account information and payment information in the payment page of the receiving side terminal generate；The account information packet
It includes: the corresponding payer account of payer terminal and the corresponding recipient's account of receiving side terminal；
Request analysis module, for parsing payment verification request, obtain the payer account, recipient's account and
The payment information；
Channel of disbursement obtains module, for inquiring the corresponding channel of disbursement of the payer account according to the payer account；
Channel of disbursement rebuilds module, when not inquiring the corresponding channel of disbursement of the payer account, obtains receiving side terminal
The information of the pay down channel of the payer account of acquisition；
Payment module, for according to the payment information, the resource of the payer account to be passed through the pay down channel
Pay recipient's account.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910002090.0A CN109801075A (en) | 2019-01-02 | 2019-01-02 | Method of payment, device, computer equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910002090.0A CN109801075A (en) | 2019-01-02 | 2019-01-02 | Method of payment, device, computer equipment and storage medium |
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| CN109801075A true CN109801075A (en) | 2019-05-24 |
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| CN201910002090.0A Pending CN109801075A (en) | 2019-01-02 | 2019-01-02 | Method of payment, device, computer equipment and storage medium |
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| CN110335144A (en) * | 2019-07-10 | 2019-10-15 | 中国工商银行股份有限公司 | Personal electric bank account safety detection method and device |
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