Unified payment access gateway supporting multiple payment channels

Abstract

The invention discloses a unified payment access gateway supporting multiple payment channels. A unified payment interface receives a payment request comprising a payment mode code and payment verification information sent by a client, and forwards the payment request and the payment verification information to a decryption processing module for decryption; a protocol adaption module extracts the payment mode code and corresponding third-party payment interface information from the decrypted payment request, and makes a query to obtain a payment mode; and a payment processing module re-packages a message, sends the message to a third-party payment platform, receives a processing result message of the third-party payment platform, constructs a feedback message according to an executive mode of the payment mode, and sends the feedback message to the client. According to the gateway, one-point access and multi-output-point payment services are provided for access merchants, so that the client operation is simplified.

Description

Technical field [0001] The present invention belongs to the field of electronic payment technology, and more specifically, relates to a unified payment access gateway supporting multiple payment channels. Background technique [0002] With the gradual popularization of the Internet, e-commerce technology has been developed, which has gradually become the biggest hot spot for Internet applications. In order to adapt to the market trend of e-commerce, electronic payment has been developed accordingly. Electronic payment means that the parties to electronic transactions, including consumers, manufacturers and financial institutions, use secure electronic payment methods to make monetary payments or fund transfers through the Internet. Electronic payment is an important part of e-commerce system. The business types of electronic payment are divided into online payment, telephone payment, mobile payment, point-of-sale terminal transaction, ATM transaction and other electronic paymen...

AI Technical Summary

Problems solved by technology

This is because each electronic payment service provider has its own electronic payment platform. If it covers as many electronic payment methods as possible like online merchants, physical merchants will need to install a lot of electronic payment software or electronic payment devices, which will provide payment and settlement services. bring a lot of inconvenience

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