Ordering processing method for mobile Internet online payment

Abstract

The invention provides an ordering processing method for mobile Internet online payment. According to the method, a payment plug-in is embedded in a merchant mobile platform; the merchant mobile platform is connected with a merchant service system, and the payment plug-in is connected with a plug-in background system. The merchant service system is a merchant background order processing system and is used for processing orders. The plug-in background system is an order processing system of a payment mechanism and comprises a payment front-end system, an order processing system body and a payment processing system. Order information needs to pass the merchant service system and then be transmitted to the order processing system of the background system, the order information can be transmitted back to the merchant service system after the order processing system generates order feature codes, and finally payment operation is carried out on a foreground by transmitting the order feature codes only. According to the ordering processing method, the order feature codes are used as confirmation factors, the possibilities of leakage of the order information and order phishing can be avoided, and safety of the order information can be guaranteed.

Description

technical field [0001] The invention belongs to the technical field of online payment, and in particular relates to an order processing method for mobile Internet online payment. Background technique [0002] In the current electronic payment industry, there are mainly the following two electronic payment methods: the first one is to embed the cash register plug-in API in the merchant mobile platform, and when the merchant mobile platform receives the payment information, call the cash register plug-in API to perform related payment operations ; The second is to connect the merchant mobile platform with WAP online banking, and directly conduct payment operations through WAP online banking. For the above two payment methods, the acquiring process of payment products on the mobile Internet side is similar, that is, the merchant mobile platform sends the order information and encrypted payment information directly to the plug-in background system of the payment institution / bank...

AI Technical Summary

Problems solved by technology

[0003] Although the existing mobile Internet cash register can basically prevent the problem of page phishing by encrypting information, there is a greater risk for order phishing: that is, during the transmission of order information from the merchant mobile platform to the plug-in background system, Order information is easy to be intercepted and tampered by criminals, and fake similar orders to deceive customers. Still take the above-mentioned mobile phone recharge as an example. If the original order is to recharge 50 yuan to mobile phone number A, it is easy to be intercepted by criminals during transmission through the mobile Internet. And tampered with recharging 50 yuan to the mobile phone number B, and because the user cannot know the order details when paying for the business, it only shows that 50 yuan needs to be traded, thus causing losses to the customer

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