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Method based on modularized automatic assembling payment gateway system

A payment gateway and automatic assembly technology, which is applied in the payment system, payment system structure, payment involving neutral parties, etc., can solve the problems of not proposing a payment interface, and not solving various complex problems of expanding the bank interface, so as to reduce the connection cost , to achieve standardization, to achieve the effect of coupling expansion

Inactive Publication Date: 2017-06-20
FOCUS TECH
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

However, the patent does not propose how to expand the payment interface of the existing popular bank, and still does not solve the various complex problems caused by the expansion of the bank interface

Method used

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  • Method based on modularized automatic assembling payment gateway system
  • Method based on modularized automatic assembling payment gateway system
  • Method based on modularized automatic assembling payment gateway system

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Embodiment Construction

[0045] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0046] figure 1 Design a structural diagram for the payment gateway in the embodiment of the present invention. Based on the payment process, according to the five links of cash withdrawal, payment, notification, refund and query involved in the payment, a general payment gateway structure is constructed, which mainly includes 7 interface modules, specifically: payment interface module, cash withdrawal interface module, online notification Interface module, asynchronous notification interface module, refund interface module, refund notification interface module and query interface module;

[0047] The payment interface module: used to provide cash withdrawal service, direct payment, online notification, asynchronous notification, query service, r...

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Abstract

A method based on a modularized automatic assembling payment gateway system includes the following steps: step 1, when an e-commerce platform is connected with any payment channel, seven interfaces about payment of the payment channel are extracted automatically; step 2, for any payment channel accessed to the e-commerce platform, a payment gateway realizes a cooperation e-commerce platform of the payment channel on the basis of interface modules constructed in the step 1; step 3, for the e-commerce platform, one payment interface module convenient for e-commerce users to use is abstracted; step 4, on the basis of a payment gateway formed by automatic assembling in the step 1 and the step 3, the payment gateway conducts maintenance management between the e-commerce platform and the payment channel; step 5, when the payment gateway receives payment, refund and money withdraw applications submitted by an e-commerce platform user, validity of requests of the e-commerce platform user is verified, verification including verification of cashier desk data and verification of a request source party; and step 6, after successful verification, the payment gateway sends request information of the e-commerce platform to the payment channel for processing through a corresponding payment interface, a corresponding money withdraw interface and a corresponding refund interface.

Description

technical field [0001] The present invention relates to the technical field of online payment, in particular to a method for packaging various payment channel interfaces to provide a unified payment gateway externally, and more specifically, to a method for automatically assembling a payment gateway system based on modularization. Background technique [0002] Online payment refers to a business in which banks and other third parties provide online fund settlement services when the seller and the buyer conduct transactions through e-commerce websites on the Internet. It provides the payer with a safe, fast and convenient e-commerce Application environment and online fund settlement tools. [0003] With the development of Internet technology, online payment is increasingly used in various e-commerce platforms. Different from the traditional offline payment process, online payment has the advantages of being more convenient and faster, and it is these advantages that make onl...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/38
CPCG06Q20/027G06Q20/3825
Inventor 何学勇王一帆陈建国洪皓
Owner FOCUS TECH
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