A Jmatrix universal third-party payment processing system and method

Abstract

The present invention belongs to the technical field of payment processing systems, and specifically relates to a Jmatrix universal third-party payment processing system, comprising a payment processing unit, a front-end business unit, a payment selection unit, a sharing unit, a pre-storage unit, a front-end detection module and a display unit. The payment processing unit receives verification data of client identity information shared by a company end through the sharing unit, and the company end outputs and closes the shared information through the front-end business unit, and a payment selection unit is correspondingly arranged on the payment processing unit. When the Jmatrix universal third-party payment processing system proposed by the present invention is used, the setting of the payment selection unit is utilized to realize the intuitive setting of online payment collection options, and at the same time, the shared unit designed and installed in the payment processing system is utilized to greatly reduce the detection and comparison time of the front-end detection module, thereby avoiding the situation that the traditional receiving detection method is time-consuming and has safety hazards.

Description

Technical Field

[0001] The present invention belongs to the technical field of payment processing systems, and in particular relates to a Jmatrix universal third-party payment processing system and method. Background Art

[0002] Third-party payment refers to an independent organization with certain strength and credibility, which facilitates online payment mode of transactions between two parties by connecting with UnionPay or China National Payment Corporation. In the third-party payment mode, after the buyer selects the goods, he uses the account provided by the third-party platform to pay for the goods (payment to the third party), and the third party notifies the seller of the receipt of the payment and requests shipment; after the buyer receives the goods, inspects the goods, and confirms the goods, he notifies the third party to pay; the third party then transfers the funds to the seller's account.

[0003] When the existing third-party payment processing system is in use, loopholes often appear in the payment front-end verification part during the front-end detection process, which leads to the theft of verification information for the issuance of payment information, which has great security risks. At the same time, when the general third-party payment processing system is in use, the prefabricated conditions of its front-end are mostly fixed structures, which cannot be freely set according to the actual needs of the user. For this reason, we propose a Jmatrix universal third-party payment processing system and method. Summary of the invention

[0004] The purpose of the present invention is to provide a Jmatrix universal third-party payment processing system and method to solve the problem that the existing third-party payment processing system proposed in the above background technology has relatively simple payment conditions when in use and the system often has payment loopholes.

[0005] In order to achieve the above-mentioned purpose, the present invention adopts the following technical scheme: the Jmatrix universal third-party payment processing system proposed in the present invention includes a payment processing unit, a front-end business unit, a payment selection unit, a sharing unit, a pre-storage unit, a front-end detection module and a display unit, wherein the payment processing unit receives the verification data of the client identity information shared by the company end through the sharing unit, and the company end outputs and closes the shared information through the front-end business unit, and a payment selection unit is correspondingly arranged on the payment processing unit, and the payment selection unit can receive the closing threshold payment channel instruction preset by the company end, and retain at least one payment channel, and after the company end receives the collection information sent by the payment processing unit, the collection amount will be stored in the pre-storage unit and directly withdrawn after verification by the company end, and a display unit for use by the client is arranged at the front end of the payment processing unit, and after the display unit receives the touch screen instruction, the identity detection of the received signal will be performed through the front-end detection module, and after the detection is completed, the payment information will be confirmed by the payment processing unit, and after the confirmation is completed, the payment information will be fed back through the display unit.

[0006] Furthermore, the payment processing unit converts the transmission signal through the Jmatrix signal processing unit, and the front-end business unit is used to connect to the payment condition setting and data conversion of other platforms.

[0007] Furthermore, the payment selection unit is set with Alipay payment, WeChat payment, installment payment, bank card payment and third-party payment, and the company side can select the designated payment method by selecting the payment unit, and the corresponding selected payment method includes at least one of the above-mentioned methods. The client data shared in the sharing unit includes the client login identity information, login account information and payment fingerprint information, and when the client uses the payment processing unit to make information payment, the client's usage information is compared with the payment information of the third-party payment platform, and fingerprint verification is performed, and the payment information allows other ports to make payments through the payment platform. Other ports include the identity information verification of the payee, the fingerprint information verification of the payee, and the payment password verification of the payee.

[0008] Furthermore, the pre-storage unit is used for separate pre-storage processing of client payment amounts, and the company side can set a closing instruction to the payment processing unit, and when the company side accesses the corresponding pre-storage unit, it will be necessary to perform a detection of the password management unit. When the detection of the password management unit is completed, the company side can freely use the pre-storage amount under the same account stored in the storage unit. When the closing instruction is selected, the relevant company-side collection account will be associated. When the payment processing system receives the payment instruction information from the client, the payment processing system will determine the payment instruction information through the front-end detection module. When the information verification of the front-end detection side module is unsuccessful, the payment process will be rejected. When the information verification of the front-end detection module is completed, the payment processing unit will process the response parameters and return the processing results to the client. The client completes the payment according to the processing results and displays the payment results through the display unit.

[0009] Furthermore, the company side and the payment processing system share verification information of the client, and the company side presets the detection conditions of the front-end detection module corresponding to the company side account.

[0010] Compared with the prior art, the present invention has the following beneficial effects:

[0011] 1. When the Jmatrix universal third-party payment processing system proposed in the present invention is used, the setting of selecting the payment unit is utilized to realize the intuitive setting of the online payment collection option. At the same time, the shared unit designed and installed in the payment processing system is utilized to greatly reduce the detection and comparison time of the front-end detection module, thereby avoiding the traditional receiving detection method which is time-consuming and has potential safety hazards.

[0012] 2. By correspondingly setting up the pre-stored unit on the payment processing system, a diversified setting of the fee collection part is realized, avoiding the inconvenience of querying and displaying at the third payment terminal when collecting payment, and increasing the functionality of the device. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] The accompanying drawings are used to provide further understanding of the present invention and constitute a part of the specification. They are used to explain the present invention together with the embodiments of the present invention and do not constitute a limitation of the present invention.

[0014] Figure 1 It is a schematic diagram of the structure of the use process of the present invention;

[0015] Figure 2 It is a schematic diagram of the structure of the payment processing system of the present invention; DETAILED DESCRIPTION

[0016] The technical solutions in the embodiments of the present invention will be described clearly and completely below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, rather than all the embodiments.

[0017] In the description of the present invention, it is necessary to understand that the terms "upper", "lower", "front", "back", "left", "right", "top", "bottom", "inside", "outside", etc., indicating the orientation or position relationship are based on the orientation or position relationship shown in the drawings, and are only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore cannot be understood as a limitation on the present invention.

[0018] Reference Figure 1 and Figure 2 , a technical solution proposed by the present invention: wherein the payment processing unit receives the verification data of the client identity information shared by the company side through the sharing unit, and the company side outputs and closes the shared information through the front-end business unit, and a payment selection unit is correspondingly arranged on the payment processing unit, and the payment selection unit can receive the closing threshold payment channel instruction preset by the company side, and retain at least one payment channel, and after the company side receives the collection information sent by the payment processing unit, the collection amount will be stored in the pre-storage unit, and directly withdrawn after verification by the company side, and a display unit for use by the client is arranged at the front end of the payment processing unit, and after the display unit receives the touch screen instruction, the identity detection of the received signal will be performed through the front-end detection module, and after the detection is completed, the payment information will be confirmed through the payment processing unit, and after the confirmation is completed, the payment information will be fed back through the display unit, and the payment processing unit, the front-end business unit, the payment selection unit, the sharing unit, the pre-storage unit, the front-end detection module and the display unit are all electrically connected in the payment processing system.

[0019] The working principle and use process of the present invention are as follows: when the payment processing system receives payment instruction information from the client, the payment processing system will confirm the payment instruction information through the front-end detection module. When the information verification of the front-end detection side module is unsuccessful, the payment process will be rejected. After the information verification of the front-end detection module is completed, the payment processing unit will process the response parameters and return the processing results to the client. The client completes the payment according to the processing results and displays the payment results through the display unit. The company side and the payment processing system share verification information of the client, and the company side presets the detection conditions of the front-end detection module corresponding to the company side account. The client The installment payment method used requires creating a first parent payment channel, and then creating a first basic configuration, a sub-payment method and a first order configuration under the first parent payment channel; the sub-payment method is bound to the first parent payment channel; the non-installment payment module is used to create a second parent payment channel, and then create a second basic configuration and a second order configuration under the second parent payment channel. After the first basic configuration, sub-payment method and first order configuration under the first parent payment channel are established on the payment processing system, it also includes creating a sub-payment channel under the sub-payment method, and then creating a third basic configuration, installment configuration and third order configuration under the sub-payment channel.

[0020] According to the above working process, it can be known that when the Jmatrix universal third-party payment processing system proposed in the present invention is used, the setting of selecting the payment unit is utilized to realize the intuitive setting of the online payment collection option. At the same time, the shared unit designed and installed in the payment processing system is utilized to greatly reduce the detection and comparison time of the front-end detection module, thereby avoiding the traditional receiving detection method which is time-consuming and has potential safety hazards.

[0021] In this embodiment, further, the transmission signal is converted and used by the Jmatrix signal processing unit on the payment processing unit, and the front-end business unit is used to connect to the payment condition setting and data conversion of other platforms. The payment selection unit is set with Alipay payment, WeChat payment, installment payment, bank card payment and third-party payment, and the company side can select the designated payment method by selecting the payment unit, and the corresponding selected payment method includes at least one of the above. The client data shared in the sharing unit includes the client login identity information, login account information and payment fingerprint information, and when the client uses the payment processing unit to make information payment, the client's usage information is compared with the payment information of the third-party payment platform, and fingerprint verification is performed, and the payment information allows other ports to pay through the payment platform. Other ports include the identity information verification of the payee, the fingerprint information verification of the payee, and the payment password verification of the payee. Through the corresponding pre-stored unit set on the payment processing system, the diversified setting of the fee collection part is realized, avoiding the inconvenience of querying and displaying at the third payment end when collecting the payment, and increasing the functionality of the device.

[0022] The pre-deposit unit is used for separate pre-deposit processing of client payment amounts, and the company side can set a closing instruction to the payment processing unit. When the company side accesses the corresponding pre-deposit unit, it will be necessary to perform a detection of the extraction password management unit. After the detection of the extraction password management unit is completed, the company side can freely dispose of the pre-deposit amount under the same account stored in the storage unit. When the closing instruction is selected, the relevant company-side collection account will be associated.

[0023] The above description is only a preferred specific implementation manner of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can make equivalent replacements or changes according to the technical scheme and inventive concept of the present invention within the technical scope disclosed by the present invention, which should be covered by the protection scope of the present invention.

Claims

1. A Jmatrix universal third-party payment processing system, characterized by: It includes a payment processing unit, a front-end business unit, a payment selection unit, a sharing unit, a pre-storage unit, a front-end detection module and a display unit. The payment processing unit receives the verification data of the client identity information shared by the company side through the sharing unit, and the company side outputs and closes the shared information through the front-end business unit. The payment processing unit is correspondingly provided with a payment selection unit, and the payment selection unit can receive the preset instruction of closing the predetermined payment channel preset by the company side, and retain at least one payment channel. After the company side receives the collection information sent by the payment processing unit, the collection amount will be stored in the pre-storage unit and directly withdrawn after verification by the company side. The front end of the payment processing unit is provided with a display unit for use by the client, and after the display unit receives the touch screen instruction, it will perform identity detection on the received signal through the front-end detection module, and after the detection is completed, the payment information will be confirmed by the payment processing unit. After the confirmation is completed, the payment information is fed back through the display unit; The client data shared in the sharing unit includes the client login identity information, login account information and payment fingerprint information, and when the client uses the payment processing unit to make information payment, the client's usage information is compared with the payment information of the third-party payment platform, and fingerprint verification is performed, and the payment information allows other ports to pay through the payment platform, and other ports include the identity information verification of the payee, the fingerprint information verification of the payee and the payment password verification of the payee; The pre-deposit unit is used for separate pre-deposit processing of client payment amounts, and the company side can set a closing instruction to the payment processing unit. When the company side accesses the corresponding pre-deposit unit, it will be necessary to perform a detection of the password management unit. After the detection of the password management unit is completed, the company side can freely dispose of the pre-deposit amount under the same account stored in the storage unit. When the closing instruction is selected, the relevant company side payment account will be associated.

2. A Jmatrix universal third-party payment processing system according to claim 1, characterized in that: The payment processing unit converts the transmission signal for use via the Jmatrix signal processing unit.

3. A Jmatrix universal third-party payment processing system according to claim 1, characterized in that: The front-end business unit is used to connect to other platforms for payment condition setting and data conversion.

4. A Jmatrix universal third-party payment processing system according to claim 1, characterized in that: The payment selection unit is set with Alipay payment, WeChat payment, installment payment, bank card payment and third-party payment, and the company side can select the designated payment method through the payment selection unit, and the corresponding selected payment method includes at least one of the above-mentioned ones.

5. A Jmatrix universal third-party payment processing method, characterized in that: It includes a client, a company end and a payment processing system. When the payment processing system described in any one of claims 1 to 4 receives payment instruction information from the client, the payment processing system will determine the payment instruction information through the front-end detection module. When the information verification of the front-end detection module is unsuccessful, the payment process will be rejected. After the information verification of the front-end detection module is completed, the payment processing unit will process the response parameters and return the processing results to the client. The client completes the payment according to the processing results and displays the payment results through the display unit.

6. A Jmatrix universal third-party payment processing method according to claim 5, characterized in that: The company side and the payment processing system share verification information of the client, and the company side presets the detection conditions of the front-end detection module corresponding to the company side account.

7. A Jmatrix universal third-party payment processing method according to claim 6, characterized in that: The installment payment method used by the client needs to create a first parent payment channel, and then create a first basic configuration, a sub-payment method and a first order configuration under the first parent payment channel; The sub-payment method is bound to the first parent payment channel.

8. A Jmatrix universal third-party payment processing method according to claim 7, characterized in that: After the first basic configuration, sub-payment method and first order configuration are established under the first parent payment channel on the payment processing system, it also includes creating a sub-payment channel under the sub-payment method, and then creating a third basic configuration, installment configuration and third order configuration under the sub-payment channel.

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