Gateway system for aggregation collection of mobile terminal and aggregation collection method

Abstract

The invention relates to the field of online electronic payment, in particular to a gateway system for aggregation collection of a mobile terminal, which consists of a business unit, a mobile payment unit and a payment mechanism unit. The business unit accesses a third-party application, receives user input, generates a business order and transmits the business order to the mobile payment unit, the mobile payment unit analyzes corresponding settlement account information from the business order, generates a payment order through the payment mechanism server module by using the settlement account information, and the user pays. And the mobile payment unit feeds back a payment result to the business unit, and returns the third-party application at the intelligent equipment end. And settlement account information is stored in the mobile payment unit. The invention also comprises an aggregate collection method. According to the invention, unified charging and unified reconciliation can be completed by using own accounts of the business according to different settled businesses on various cooperative applications, so that the purposes of unified payment channel, unified fund management and unified marketing activity are achieved.

Description

technical field [0001] The invention relates to the field of online electronic payment, in particular to a gateway system and a method for aggregated payment collection at a mobile terminal. Background technique [0002] At present, most mobile APP collections use the payment channels of third-party payment institutions such as WeChat and Alipay (hereinafter collectively referred to as payment institutions), and use the client SDK provided by the payment institution during the development of APP payment, and hire professional client developers for development and docking . [0003] The development process is that the developer encrypts and signs the parameters (the encryption parameters are unique to this APP, the Android system is the APP package name, and the IOS system is the Bundle ID) through the applied key pair parameters, so that the payment institution APP can be pulled up for payment. This method limits that only the payment account and key that the developer appl...

AI Technical Summary

Problems solved by technology

[0004] The common problems of the above methods are: 1. When a certain business goes online in the partner APP (not WeChat and Alipay APP) to provide sales, it must use the payment channel of the partner APP and rely on the payment channel capabilities of the APP

2. When the business cannot use its own payment method, it will cause waste of resources, make it difficult for the business to directly lead marketing activities, and increase the management complexity of collection and settlement

In the end, it will lead to high cooperation costs, slow technology advancement, complex structure, and difficulty in promoting cooperation and marketing activities on the mobile terminal.

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