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Scenarized payment management method, system and device and readable storage medium

A management method and scene technology, applied in the field of payment management, can solve problems such as complex payment access, confusion, and decentralization, and achieve the effects of convenient unified management, consistency assurance, and reduced complexity

Pending Publication Date: 2022-04-22
杭州青橄榄网络技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The independently operated payment system has resulted in the isolation and dispersion of payment accounts and data;
[0005] Closed payment services lead to restrictions on business expansion;
[0006] Merchants, accounts, and scene logic are not clear, resulting in complicated and confusing payment access

Method used

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  • Scenarized payment management method, system and device and readable storage medium
  • Scenarized payment management method, system and device and readable storage medium
  • Scenarized payment management method, system and device and readable storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0052] A scenario-based payment management method, such as figure 1 shown, including the following steps:

[0053] S100. Create a merchant and a payment channel account, and associate the merchant with the payment channel account through a preset mapping relationship to form a payment scenario;

[0054] S200. The payment management platform receives the payment request sent by the payment terminal, analyzes the payment request, and obtains at least payment information, payment amount, merchant basic information, scene ID to be paid, and payment signature, wherein the payment signature is payment information , the payment amount and the scene ID to be paid are sorted and the public key is spliced ​​together to obtain an encryption algorithm, and the scene ID to be paid is the unique identification of each payment scene;

[0055]S300. Query the corresponding payment scene through the scene ID to be paid and obtain the scene key, sign the relevant parameters, and obtain the veri...

Embodiment 2

[0077] A scenario-based payment management system, such as figure 2 As shown, it includes creating an association module 100, receiving and analyzing module 200, a random verification module 300, a verification judgment module 400 and a search and determination module 500;

[0078] The creation association module 100 is used to create merchants and payment channel accounts, and associate merchants and payment channel accounts through preset mapping relationships to form payment scenarios;

[0079] The receiving analysis module 200 is used to receive the payment request sent by the payment terminal, analyze the payment request, and obtain at least payment information, payment amount, merchant basic information, scene ID to be paid and payment signature, wherein the payment The signature is obtained by sorting the payment information, the payment amount and the scene ID to be paid and splicing the public key and then performing an encryption algorithm, and the scene ID to be pa...

Embodiment 3

[0084] A computer-readable storage medium, the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following method steps are implemented:

[0085] S100. Create a merchant and a payment channel account, and associate the merchant with the payment channel account through a preset mapping relationship to form a payment scenario;

[0086] S200. The payment management platform receives the payment request sent by the payment terminal, analyzes the payment request, and obtains at least payment information, payment amount, merchant basic information, scene ID to be paid, and payment signature, wherein the payment signature is payment information , the payment amount and the scene ID to be paid are sorted and the public key is spliced ​​together to obtain an encryption algorithm, and the scene ID to be paid is the unique identification of each payment scene;

[0087] S300. Query the corresponding payment scene thro...

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Abstract

The invention discloses a scenarized payment management method, system and device and a readable storage medium, and the method comprises the steps: creating a merchant and a payment channel account, and enabling the merchant and the payment channel account to be correlated through a preset mapping relation to form a payment scene; receiving a payment request sent by a payment terminal, analyzing the payment request, querying a corresponding payment scene through the to-be-paid scene ID, obtaining a scene key, and signing related parameters to obtain a verification signature; verifying the payment signature, and judging whether an IP white list corresponding to the to-be-paid scene ID falls into a white list range of a payment management platform or not after verification is passed; and if yes, determining a current payment account, and sending payment information and the merchant information to the payment account to complete a payment process. According to the invention, the complexity and complexity of payment docking can be reduced; unified commercial tenant, account and payment scene logic facilitates unified management of commercial tenant accounts; and the consistency of merchant and account data is ensured, and the integrity of payment data is ensured.

Description

technical field [0001] The present invention relates to the technical field of payment management, in particular to a scene-based payment management method, system, device and readable storage medium. Background technique [0002] In the existing technology, in the traditional park informatization construction, the payment systems of each business operate independently, and the data are not connected to each other. Each payment service is relatively closed and does not support the access of external businesses, resulting in the impact of business expansion. and the payment platform does not have a unified and clear merchant, account, and scene logic, which leads to complex and chaotic payment access, resulting in the inability to perform unified management. [0003] In short, the above traditional management methods will have the following disadvantages: [0004] The independently operated payment system has resulted in the isolation and dispersion of payment accounts and d...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/4014G06Q20/3829G06Q20/3825
Inventor 王从俊刘凯莉喻杰
Owner 杭州青橄榄网络技术有限公司
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