Unified payment authentication transaction method, server and system

Abstract

The present invention provides a unified payment authentication transaction method, server and system, the method comprising: receiving a transaction payment request from a user, determining a corresponding authentication agency server according to the transaction payment request; transmitting the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feeding back account confirmation information to the user; receiving account information transmitted by the user according to the account confirmation information, determining a payment agency server according to the account information and transmitting the transaction payment request to the payment agency server for transaction deduction. The present invention unbinds the deduction payment of payment agencies such as banks from acquiring, clearing and authentication, and solves the problem of multiple file creation and docking development when merchants access payment methods of multiple commercial banks.

Description

Technical Field

[0001] The present invention relates to the field of Internet technology, in particular to the field of financial technology, and more particularly to a unified payment authentication transaction method, server and system. Background Art

[0002] Currently, commercial banks' payments are all tied to their own acquiring institutions, certification agencies and clearing institutions. If merchants or user terminals want to access the payment methods of multiple merchant banks, they need to open files and accounts in each bank and connect to and develop payment interfaces for each bank. The access cost is very high. Summary of the invention

[0003] One object of the present invention is to provide a unified payment authentication transaction method, which unbinds the deduction payment of payment institutions such as banks from the acquiring, clearing and authentication, and solves the problem of multiple file creation and docking development when merchants access payment methods of multiple commercial banks. Another object of the present invention is to provide a unified payment authentication server. Another object of the present invention is to provide an authentication institution server. Another object of the present invention is to provide a payment institution server. Another object of the present invention is to provide a computer device. Another object of the present invention is to provide a readable medium.

[0004] In order to achieve the above objectives, the present invention discloses a unified payment authentication transaction method, including:

[0005] Receive a transaction payment request from a user, and determine a corresponding authentication authority server according to the transaction payment request;

[0006] Transmitting the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feeding back account confirmation information to the user;

[0007] Receive the account information transmitted by the user according to the account confirmation information, determine the payment institution server according to the account information and transmit the transaction payment request to the payment institution server for transaction deduction.

[0008] Preferably, the transmitting the transaction payment request to the authentication institution server specifically includes:

[0009] The transaction payment request is transmitted to an acquiring server so that the acquiring server transmits the transaction payment request to the authentication agency server.

[0010] Preferably, the transmitting the transaction payment request to the acquiring server so that the acquiring server transmits the transaction payment request to the certification authority server specifically includes:

[0011] If the acquiring server and the certification agency server belong to different transaction systems, the transaction payment request is transmitted to the certification agency server through the direct connection disconnection processing of the clearing server.

[0012] Preferably, the feeding back account confirmation information to the user specifically includes:

[0013] Determine whether the user has an account with a payment institution corresponding to the authentication institution server according to the transaction payment request, and if so, determine all accounts of the user and generate account confirmation information;

[0014] If it does not exist, the account confirmation information for account binding is formed.

[0015] Preferably, the receiving user's account information transmitted according to the account confirmation information specifically includes:

[0016] If there is an account of the payment institution corresponding to the authentication institution server, display all accounts to the user and form account information based on the account selected by the user;

[0017] If there is no account of the payment institution corresponding to the authentication institution server, an account binding interface is displayed to the user, and account information is formed based on the account bound by the user.

[0018] Preferably, the account binding includes binding a new account and opening a card, and the account information formed based on the user-bound account specifically includes:

[0019] If the user chooses to bind a new account, based on the new account payment institution and account number input by the user, the account number is transmitted to the payment institution server of the payment institution for user identity verification. If the verification is successful, the user account information transmitted by the payment institution server is received;

[0020] If the user chooses to activate a card, based on the card activation application input by the user, the payment institution is determined according to the card activation application, and the card activation application is transmitted to the payment institution server of the payment institution for user identity authentication. If the verification is passed, an account corresponding to the user is opened, and the user account information transmitted by the payment institution server is received.

[0021] The present invention also discloses a unified payment authentication transaction method, comprising:

[0022] Receiving a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is obtained by the unified payment authentication server receiving a transaction payment request from a user, determining a corresponding authentication agency server according to the transaction payment request, and transmitting the transaction payment request to the authentication agency server;

[0023] User identity verification is performed on the transaction payment request. If the user identity verification is successful, account confirmation information is fed back to the user, so that the unified payment authentication server receives the account information transmitted by the user based on the account confirmation information, determines the payment institution server based on the account information, and transmits the transaction payment request to the payment institution server for transaction deduction.

[0024] The present invention also discloses a unified payment authentication transaction method, comprising:

[0025] Receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is a transaction payment request received by the unified payment authentication server from a user, determine a corresponding authentication agency server according to the transaction payment request; transmit the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication passes, feedback account confirmation information to the user; receive account information transmitted by the user according to the account confirmation information, determine a payment agency server according to the account information, and transmit the transaction payment request to the payment agency server to obtain;

[0026] Transaction deductions are performed according to the transaction payment request.

[0027] The present invention also discloses a unified payment authentication transaction device, comprising:

[0028] A request parsing module, used to receive a transaction payment request from a user, and determine a corresponding authentication authority server according to the transaction payment request;

[0029] A user authentication module, used for transmitting the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedback account confirmation information to the user;

[0030] The payment transaction module is used to receive the account information transmitted by the user according to the account confirmation information, determine the payment institution server according to the account information and transmit the transaction payment request to the payment institution server for transaction deduction.

[0031] The present invention also discloses an authentication agency server, which is configured to receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is obtained by the unified payment authentication server receiving a transaction payment request from a user, determining a corresponding authentication agency server according to the transaction payment request, and transmitting the transaction payment request to the authentication agency server; performing user identity authentication on the transaction payment request, and if the user identity authentication is passed, feeding back account confirmation information to the user, so that the unified payment authentication server receives the account information transmitted by the user according to the account confirmation information, determines a payment agency server according to the account information, and transmits the transaction payment request to the payment agency server for transaction deduction.

[0032] The present invention also discloses a payment institution server, which is configured to receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is a transaction payment request received by the unified payment authentication server from a user, determine a corresponding authentication institution server according to the transaction payment request; transmit the transaction payment request to the authentication institution server so that the authentication institution server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedback account confirmation information to the user; receive account information transmitted by the user according to the account confirmation information, determine a payment institution server according to the account information, and transmit the transaction payment request to the payment institution server to obtain the transaction, and perform transaction deductions according to the transaction payment request.

[0033] The present invention also discloses a unified payment authentication transaction system, including a unified payment authentication transaction device, an authentication institution server and a payment institution server;

[0034] The unified payment authentication transaction device is used to receive a transaction payment request from a user, determine a corresponding authentication agency server according to the transaction payment request; transmit the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedback account confirmation information to the user; receive account information transmitted by the user according to the account confirmation information, determine a payment agency server according to the account information and transmit the transaction payment request to the payment agency server for transaction deduction.

[0035] The present invention also discloses a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0036] When the processor executes the program, the method described above is implemented.

[0037] The present invention also discloses a computer readable medium having a computer program stored thereon.

[0038] When the program is executed by a processor, the method described above is implemented.

[0039] The unified payment authentication transaction method of the present invention receives a transaction payment request from a user, determines the corresponding authentication agency server according to the transaction payment request, transmits the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedbacks account confirmation information to the user, receives the account information transmitted by the user according to the account confirmation information, determines the payment agency server according to the account information, and transmits the transaction payment request to the payment agency server for transaction deduction. It can be seen that after receiving the transaction payment request from the user, the present invention parses and obtains the authentication agency server determined by the user through the transaction payment request, and transmits the transaction payment request to the authentication agency server for user identity authentication. After the user identity authentication is passed, the payment agency server is further determined according to the user's account information and the transaction payment request is transmitted to the payment agency server for transaction deduction. Thus, in the present invention, the user identity authentication and transaction deduction of the user's transaction payment request are respectively performed on the authentication agency server and the payment agency server, and the user can perform identity authentication and transaction deduction through different financial institutions, which solves the problem that users (merchants) need to establish files and docking development multiple times when accessing multiple financial institutions. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0041] Figure 1 A flowchart showing a specific embodiment of the unified payment authentication transaction method of the present invention;

[0042] Figure 2 A flowchart showing a specific embodiment of the unified payment authentication transaction method of the present invention for disconnecting direct connection is shown;

[0043] Figure 3 A flowchart showing a specific embodiment S200 of the unified payment authentication transaction method of the present invention;

[0044] Figure 4 A flowchart showing a specific embodiment S300 of the unified payment authentication transaction method of the present invention;

[0045] Figure 5 A flowchart showing a specific embodiment S320 of the unified payment authentication transaction method of the present invention;

[0046] Figure 6 A flowchart showing a unified payment authentication transaction of a commercial bank in a specific embodiment of the unified payment authentication transaction method of the present invention;

[0047] Figure 7 A structural diagram showing a specific embodiment of the unified payment authentication transaction device of the present invention;

[0048] Figure 8 A schematic diagram showing the structure of a computer device suitable for implementing an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0049] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0050] It should be noted that the unified payment authentication transaction method, server and system disclosed in the present application can be used in the field of financial technology, and can also be used in any field outside the field of financial technology. The application field of the unified payment authentication transaction method, server and system disclosed in the present application is not limited.

[0051] In order to facilitate the understanding of the technical solution provided by the present application, the relevant contents of the technical solution of the present application are first described below. After receiving the transaction payment request of the user, the unified payment authentication transaction method provided in the embodiment of the present invention parses and obtains the authentication agency server determined by the user through the transaction payment request, and transmits the transaction payment request to the authentication agency server for user identity authentication. After the user identity authentication is passed, the payment agency server is further determined according to the user's account information and the transaction payment request is transmitted to the payment agency server for transaction deduction. Therefore, in the present invention, the user identity authentication and transaction deduction of the user's transaction payment request are respectively on the authentication agency server and the payment agency server. The user can perform identity authentication and transaction deduction through different financial institutions, which solves the problem that users (merchants) need to access multiple financial institutions and need to create files and docking development multiple times.

[0052] The unified payment authentication transaction system provided by the embodiment of the present invention includes a user terminal 1, a unified payment authentication server 2, an authentication institution server 3 and a payment institution server 4.

[0053] Among them, the unified payment authentication server 2 can receive the transaction payment request of the user transmitted by the user terminal 1, determine the corresponding authentication agency server 3 according to the transaction payment request, transmit the transaction payment request to the authentication agency server 3 so that the authentication agency server 3 performs user identity authentication on the transaction payment request, if the user identity authentication is passed, feedback account confirmation information to the user, receive the account information transmitted by the user according to the account confirmation information, determine the payment agency server 4 according to the account information and transmit the transaction payment request to the payment agency server 4 for transaction deduction.

[0054] Among them, the user terminal 1 can directly form a transaction payment request according to the transaction initiation operation of the user and transmit it to the unified payment authentication server 2. When the user needs to initiate a transaction through a merchant, the user can send a transaction request through the user terminal 1, and the transaction request is transmitted to the merchant terminal 5. The merchant terminal 5 forms a transaction payment request according to the transaction request of the user terminal 1 and transmits it to the unified payment authentication server 2.

[0055] The following takes the unified payment authentication server 2 as an example to illustrate the implementation process of the unified payment authentication transaction method provided by the embodiment of the present invention. It is understandable that the execution subject of the unified payment authentication transaction method provided by the embodiment of the present invention includes but is not limited to the unified payment authentication server 2.

[0056] According to one aspect of the present invention, this embodiment discloses a unified payment authentication transaction method. Figure 1 As shown, in this embodiment, the method includes:

[0057] S100: receiving a transaction payment request from a user, and determining a corresponding authentication authority server according to the transaction payment request.

[0058] S200: Transmitting the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request. If the user identity authentication is successful, feedback of account confirmation information is given to the user.

[0059] S300: Receive the account information transmitted by the user according to the account confirmation information, determine the payment institution server according to the account information and transmit the transaction payment request to the payment institution server for transaction deduction.

[0060] The unified payment authentication transaction method of the present invention receives a transaction payment request from a user, determines the corresponding authentication agency server according to the transaction payment request, transmits the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedbacks account confirmation information to the user, receives the account information transmitted by the user according to the account confirmation information, determines the payment agency server according to the account information, and transmits the transaction payment request to the payment agency server for transaction deduction. It can be seen that after receiving the transaction payment request from the user, the present invention parses and obtains the authentication agency server determined by the user through the transaction payment request, and transmits the transaction payment request to the authentication agency server for user identity authentication. After the user identity authentication is passed, the payment agency server is further determined according to the user's account information and the transaction payment request is transmitted to the payment agency server for transaction deduction. Thus, in the present invention, the user identity authentication and transaction deduction of the user's transaction payment request are respectively performed on the authentication agency server and the payment agency server, and the user can perform identity authentication and transaction deduction through different financial institutions, which solves the problem that users (merchants) need to establish files and docking development multiple times when accessing multiple financial institutions.

[0061] In a preferred embodiment, the S200 of transmitting the transaction payment request to the authentication institution server specifically includes:

[0062] S210: Transmit the transaction payment request to the acquiring server so that the acquiring server transmits the transaction payment request to the certification authority server.

[0063] Specifically, it can be understood that the transaction payment request transmitted by the user can be sent directly to the authentication agency server, or forwarded to the authentication agency server through the acquiring server. Among them, the acquiring agency is a clearing member unit that has signed an agreement with the merchant or provides services to the cardholder, and directly or indirectly participates in the exchange based on the transaction documents. It is mainly responsible for the development and management of special merchants, authorization requests, bill settlement and other activities. The authentication agency verifies the user's identity information during the payment process and completes the payment authentication. The payment institution is a commercial bank that issues various bank cards to users, is responsible for account management, and is the initiator and organizer of the bank card market. The clearing agency (online payment clearing platform) mainly handles transaction transfer and fund clearing business related to payment institutions and banks. In a specific example, the acquiring agency can be various commercial banks and non-bank institutions with relevant payment licenses, the authentication agency is various commercial banks, the payment agency is various commercial banks, and the clearing agency (online payment clearing platform) is UnionPay / NetsUnion.

[0064] In a preferred embodiment, the S210 of transmitting the transaction payment request to the acquiring server so that the acquiring server transmits the transaction payment request to the authentication agency server specifically includes:

[0065] S211: If the acquiring server and the certification agency server belong to different transaction systems, the transaction payment request is transmitted to the certification agency server through the direct connection disconnection processing of the clearing server.

[0066] Specifically, when the acquiring institution and the certification institution belong to the same transaction system, for example, the acquiring institution and the certification institution are the same commercial bank, they can directly process user identity authentication and transaction deductions, shorten the transaction link, and process faster and more stably. When the acquiring institution and the certification institution belong to different transaction systems, that is, the acquiring institution and the certification institution are different, it is necessary to transmit the transaction payment request to the certification institution server through the disconnected direct connection processing of the clearing institution, that is, the acquiring server of the acquiring institution and the certification institution server of the certification institution belong to different transaction systems, then the acquiring server transmits the transaction payment request to the certification institution server through the disconnected direct connection processing of the clearing server of the clearing institution.

[0067] Disconnection refers to the third-party payment institution disconnecting from the previous direct connection with the bank, connecting to China UnionPay or China National Payment Corporation, and conducting interaction and settlement through China UnionPay or China National Payment Corporation. Disconnection transactions usually involve the interaction between non-bank institutions (accepting institutions), clearing institutions (online payment clearing platforms), and banking institutions. Figure 2 As shown in the figure, the specific interaction process is as follows:

[0068] Step 1: A non-bank institution (accepting institution, such as an acquiring institution) initiates a request. The request information includes: the sender institution identifier TransID1 (financial institution code), the message direction identifier OrientID1 (the identifier from the accepting institution to the platform), the transaction serial number orderID, the basic information field message (regional information, transaction device information, order information, etc.), and the sensitive information field encrypted message (personal account information).

[0069] Step 2: The clearing agency forwards the request, re-identifies the sender institution identifier TransID2 (financial institution code), the message direction identifier OrientID2 (identification from the receiving institution to the platform), the transaction serial number orderID, the basic information field message (regional information, transaction device information, order information, etc.), and the sensitive information field encrypted message (personal account information).

[0070] Step 3: The banking institution processes the request.

[0071] Step 4: The bank institution returns the request, re-identifying the sender institution identifier TransID3 (financial institution code), message direction identifier OrientID3 (identification from the receiving institution to the platform), transaction serial number orderID, and transaction result field message.

[0072] Step 5: The clearing agency forwards the request, re-identifies the sender institution identifier TransID2 (financial institution code), message direction identifier OrientID4 (identification from the receiving institution to the platform), transaction serial number orderID, and transaction result field message.

[0073] Step 6: The receiving agency receives the request.

[0074] In a preferred embodiment, Figure 3 As shown, the S200 feedbacks the account confirmation information to the user specifically includes:

[0075] S221: Determine whether the user has an account with the payment institution corresponding to the authentication institution server according to the transaction payment request. If so, determine all accounts of the user and generate account confirmation information.

[0076] S222: If it does not exist, generate account confirmation information for account binding.

[0077] Specifically, when a user selects a certification agency to conduct user identity verification, it can check whether the user has an account in the payment agency. If an account exists, account confirmation information can be generated based on all accounts of the user, and the account confirmation information can be fed back to the user, so that the user can select an account for payment deduction based on the account confirmation information. When the user does not have an account in the certification agency, account confirmation information for account binding can be generated. After receiving the account confirmation information, the user can add or open an account with other payment agencies, so that the user can select different certification agencies and payment agencies to complete user identity verification and payment deduction respectively through one registration, thereby improving the flexibility of transaction authentication and payment.

[0078] In a preferred embodiment, Figure 4 As shown, the step S300 of receiving the account information transmitted by the user according to the account confirmation information specifically includes:

[0079] S310: If there is an account of the payment institution corresponding to the authentication institution server, all accounts are displayed to the user, and account information is formed based on the account selected by the user.

[0080] S320: If there is no account of the payment institution corresponding to the authentication institution server, an account binding interface is displayed to the user, and account information is formed based on the account bound by the user.

[0081] Specifically, it is understandable that when the certification agency does not have an available user account, an account binding interface can be displayed to the user, and the user can enter relevant account information through the account binding interface. Account information can be formed and payment deductions can be made based on the account entered by the user.

[0082] In a preferred embodiment, Figure 5 As shown, the account binding includes binding a new account and opening a card, and the S320 forms account information based on the account bound by the user, specifically including:

[0083] S321: If the user chooses to bind a new account, based on the new account payment institution and account entered by the user, the account is transmitted to the payment institution server of the payment institution for user identity authentication. If the authentication is successful, the user account information transmitted by the payment institution server is received.

[0084] S322: If the user chooses to activate a card, based on the card activation application input by the user, the payment institution is determined according to the card activation application, and the card activation application is transmitted to the payment institution server of the payment institution for user identity authentication. If the verification is successful, an account corresponding to the user is opened, and the user account information transmitted by the payment institution server is received.

[0085] Specifically, when a user binds a new account of another payment institution to make a payment, the user can enter the selected new account payment institution and account application, and transmit the account application to the payment institution's payment institution server for user identity verification. If the verification is successful, the user account information fed back by the payment institution server is received for subsequent transaction deductions. When a user does not have an account and needs to open an account, the user can choose to open a card and enter the card application, which can include user information and the payment institution that opens the card. The payment institution is determined based on the card application and the card application is transmitted to the payment institution for user identity verification. If the verification is successful, an account is opened for the user, and the user account information fed back by the payment institution server can be received for transaction payment.

[0086] The present invention will be further described below by a specific example. Figure 6 As shown, in this specific example, the commercial bank unified payment authentication transaction process is as follows:

[0087] Step 1: The user makes a payment, triggering a transaction.

[0088] Step 2: The acquiring merchant integrates the unified payment authentication transaction service of the unified payment authentication transaction device.

[0089] Step 3: The user selects the commercial bank’s unified payment authentication transaction method.

[0090] Step 4: The user selects a specific commercial bank payment certification agency and initiates payment.

[0091] Step 5: The acquiring institution forwards the transaction payment request to the authentication institution selected by the user. The transaction payment request includes the channel ID (commercial bank comprehensive payment authentication interface identifier), the sender institution identifier TransID (financial institution code), the message direction identifier OrientID (identifier from the acceptance institution to the platform), the transaction serial number orderID, and the basic information field message (regional information, order information).

[0092] Step 6: If the certification agency is different from the acquiring agency, the payment request needs to be disconnected by the clearing agency (online payment clearing platform) and transmitted to the certification agency, which will parse the transaction payment request.

[0093] Step 7: The certification agency guides the user to select or bind the account of the payment institution.

[0094] Step 8: If the user has opened a payment method through the selected certification agency, he / she can directly select all payment cards of the certification agency for payment; if the user has not opened a payment method through the selected certification agency, he / she will go through the card binding process, can bind the relevant accounts of other certification agencies and simultaneously open the payment method of the selected certification agency to confirm the new payment account.

[0095] Step 9: The certification body guides the user to perform user identity authentication.

[0096] Step 10: The user performs payment authentication.

[0097] Step 11: The certification body conducts payment verification, if the verification is successful.

[0098] Step 12: The payment institution completes the transaction deduction process.

[0099] Step 13: The payment institution processes the bank card account debit (usually the payment institution and the certification institution are the same institution).

[0100] Step 14: The payment institution transfers the funds to the clearing institution, which then clears the funds.

[0101] Step 15: The clearing agency transfers the cleared funds to the acquiring agency to complete the transaction process.

[0102] Compared with existing payment methods such as Alipay and WeChat, the commercial bank payment authentication service of the present invention has two main differences: 1. Alipay and WeChat do not have the qualifications to issue cards, so their interaction with the card issuing institution must go through the UnionPay / network direct connection processing, and the transaction link is long; while in the commercial bank payment authentication process, the card issuing institution and the authentication institution are usually the same institution, and the system level can be directly connected without the need for direct connection processing, thus shortening the transaction link and making the transaction processing faster; 2. Alipay and WeChat do not have the qualifications to issue cards. If customers choose Alipay and WeChat payment, they need to complete the payment through the three-party quick binding of bank cards. Each time the customer binds the card, they need to undergo a full-process identity authentication, and the system interaction overhead is large; while commercial banks, as payment authentication institutions and card issuing institutions, support the signing of payment agreements from the customer dimension. Customers only need to conduct a payment contract authentication once to realize full bank card payment, thus simplifying the payment process.

[0103] The present invention separates the commercial bank payment authentication capability from the complete system of merchant management, payment authentication, and customer management, so that the payment authentication is outputted externally as an independent capability, and is packaged to form a comprehensive payment interface, which can meet the merchant's demand for access to all commercial bank payment authentication methods at one time. On the technical level, on the one hand, commercial banks act as both authentication agencies and card issuers, directly processing authentication and debit transactions, shortening the existing aggregation and disconnection direct connection transaction link, making the transaction processing faster and the system more stable; on the other hand, commercial banks act as both authentication agencies and card issuers, supporting customer-dimensional contract signing, that is, customers can use all bank cards for payment once they sign, avoiding the problem of excessive system interaction overhead caused by multiple card bindings and multiple contract signings for quick payment.

[0104] Based on the same principle, this embodiment also discloses a unified payment authentication transaction device. Figure 7 As shown, in this embodiment, the device includes a request parsing module 11, a user authentication module 12 and a payment transaction module 13.

[0105] The request parsing module 11 is used to receive a transaction payment request from a user, and determine a corresponding authentication agency server according to the transaction payment request.

[0106] The user authentication module 12 is used to transmit the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request. If the user identity authentication is successful, account confirmation information is fed back to the user.

[0107] The payment transaction module 13 is used to receive the account information transmitted by the user according to the account confirmation information, determine the payment institution server according to the account information and transmit the transaction payment request to the payment institution server for transaction deduction.

[0108] Since the principle of solving the problem by the device is similar to that of the above method, the implementation of the device can refer to the implementation of the method and will not be repeated here.

[0109] In a preferred embodiment, the user authentication module 12 is specifically configured to transmit the transaction payment request to an acquiring server so that the acquiring server transmits the transaction payment request to the authentication agency server.

[0110] In a preferred embodiment, the user authentication module 12 is specifically used to transmit the transaction payment request to the authentication agency server through the direct connection disconnection processing of the clearing server if the acquiring server and the authentication agency server belong to different transaction systems.

[0111] In a preferred embodiment, the user authentication module 12 is specifically used to determine whether the user has an account with the payment institution corresponding to the authentication institution server based on the transaction payment request. If so, all accounts of the user are determined and account confirmation information is generated; if not, account confirmation information for account binding is generated.

[0112] In a preferred embodiment, the payment transaction module 13 is specifically used to display all accounts to the user if there is an account of the payment institution corresponding to the certification agency server, and form account information based on the account selected by the user; if there is no account of the payment institution corresponding to the certification agency server, display an account binding interface to the user, and form account information based on the account bound by the user.

[0113] In a preferred embodiment, the account binding includes binding a new account and opening a card, and the account information formed based on the account bound by the user specifically includes: if the user chooses to bind a new account, based on the new account payment institution and account input by the user, the account is transmitted to the payment institution server of the payment institution for user identity authentication, and if the verification passes, the user account information transmitted by the payment institution server is received; if the user chooses to open a card, based on the card opening application input by the user, the payment institution is determined according to the card opening application, and the card opening application is transmitted to the payment institution server of the payment institution for user identity authentication, and if the verification passes, an account corresponding to the user is opened, and the user account information transmitted by the payment institution server is received.

[0114] Based on the same principle, this embodiment also discloses an authentication agency server. The authentication agency server is configured to receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is obtained by the unified payment authentication server receiving a transaction payment request from a user, determining a corresponding authentication agency server according to the transaction payment request, and transmitting the transaction payment request to the authentication agency server; performing user identity authentication on the transaction payment request, and if the user identity authentication is passed, feeding back account confirmation information to the user, so that the unified payment authentication server receives the account information transmitted by the user according to the account confirmation information, determines a payment agency server according to the account information, and transmits the transaction payment request to the payment agency server for transaction deduction.

[0115] Since the principle of solving the problem by this server is similar to that of the above method, the implementation of this server can refer to the implementation of the method and will not be repeated here.

[0116] Based on the same principle, this embodiment also discloses a payment institution server. The payment institution server is configured to receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is a transaction payment request received by the unified payment authentication server from a user, determine a corresponding authentication institution server according to the transaction payment request; transmit the transaction payment request to the authentication institution server so that the authentication institution server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedback account confirmation information to the user; receive account information transmitted by the user according to the account confirmation information, determine a payment institution server according to the account information, and transmit the transaction payment request to the payment institution server to obtain the transaction deduction according to the transaction payment request.

[0117] Since the principle of solving the problem by this server is similar to that of the above method, the implementation of this server can refer to the implementation of the method and will not be repeated here.

[0118] Based on the same principle, this embodiment also discloses a unified payment authentication transaction system. The unified payment authentication transaction system includes a unified payment authentication transaction device, an authentication institution server and a payment institution server.

[0119] Among them, the unified payment authentication transaction device is used to receive the user's transaction payment request, determine the corresponding authentication agency server according to the transaction payment request; transmit the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedback account confirmation information to the user; receive the account information transmitted by the user according to the account confirmation information, determine the payment agency server according to the account information and transmit the transaction payment request to the payment agency server for transaction deduction.

[0120] Since the principle of solving the problem by this system is similar to that of the above method, the implementation of this system can refer to the implementation of the method and will not be repeated here.

[0121] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer device, and specifically, the computer device may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0122] In a typical example, the computer device specifically includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the method executed by the user terminal as described above is implemented; or, when the processor executes the program, the method executed by the server as described above is implemented.

[0123] Reference below Figure 8 , which shows a schematic diagram of the structure of a computer device 600 suitable for implementing an embodiment of the present application.

[0124] like Figure 8 As shown, the computer device 600 includes a central processing unit (CPU) 601, which can perform various appropriate operations and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 to a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0125] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal feedback device (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 606 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed as needed as the storage section 608.

[0126] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer program product, which includes a computer program tangibly contained on a machine-readable medium, and the computer program includes program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication part 609, and / or installed from the removable medium 611.

[0127] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0128] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing the present application, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0129] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0130] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0131] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0132] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0133] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0134] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0135] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0136] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A unified payment authentication transaction method, characterized in that: include: Receive a transaction payment request from a user, and determine a corresponding authentication authority server according to the transaction payment request; Transmitting the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feeding back account confirmation information to the user; Receiving the account information transmitted by the user according to the account confirmation information, determining the payment institution server according to the account information and transmitting the transaction payment request to the payment institution server for transaction deduction; the account information transmitted by the information includes at least one account information used for payment; The feedback of account confirmation information to the user specifically includes: Determine whether the user has an account with a payment institution corresponding to the authentication institution server according to the transaction payment request, and if so, determine all accounts of the user and generate account confirmation information; If it does not exist, the account confirmation information for account binding is formed.

2. The unified payment authentication transaction method according to claim 1, characterized in that: The transmitting the transaction payment request to the authentication institution server specifically includes: The transaction payment request is transmitted to an acquiring server so that the acquiring server transmits the transaction payment request to the authentication agency server.

3. The unified payment authentication transaction method according to claim 2, characterized in that: The step of transmitting the transaction payment request to the acquiring server so that the acquiring server transmits the transaction payment request to the authentication agency server specifically includes: If the acquiring server and the certification agency server belong to different transaction systems, the transaction payment request is transmitted to the certification agency server through the direct connection disconnection processing of the clearing server.

4. The unified payment authentication transaction method according to claim 1, characterized in that: The account information transmitted by the receiving user according to the account confirmation information specifically includes: If there is an account of the payment institution corresponding to the authentication institution server, display all accounts to the user and form account information based on the account selected by the user; If there is no account of the payment institution corresponding to the authentication institution server, an account binding interface is displayed to the user, and account information is formed based on the account bound by the user.

5. The unified payment authentication transaction method according to claim 4, characterized in that: The account binding includes binding a new account and opening a card, and the account information formed based on the user-bound account specifically includes: If the user chooses to bind a new account, based on the new account payment institution and account number input by the user, the account number is transmitted to the payment institution server of the payment institution for user identity verification. If the verification is successful, the user account information transmitted by the payment institution server is received; If the user chooses to activate a card, based on the card activation application input by the user, the payment institution is determined according to the card activation application, and the card activation application is transmitted to the payment institution server of the payment institution for user identity authentication. If the verification is passed, an account corresponding to the user is opened, and the user account information transmitted by the payment institution server is received.

6. A unified payment authentication transaction method, characterized in that: include: Receiving a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is obtained by the unified payment authentication server receiving a transaction payment request from a user, determining a corresponding authentication agency server according to the transaction payment request, and transmitting the transaction payment request to the authentication agency server; Perform user identity authentication on the transaction payment request. If the user identity authentication is passed, feedback account confirmation information to the user, so that the unified payment authentication server receives the account information transmitted by the user according to the account confirmation information, determines the payment institution server according to the account information, and transmits the transaction payment request to the payment institution server for transaction deduction; the account information transmitted by the information includes at least one account information used for payment; The feedback of account confirmation information to the user specifically includes: Determine whether the user has an account with a payment institution corresponding to the authentication institution server according to the transaction payment request, and if so, determine all accounts of the user and generate account confirmation information; If it does not exist, the account confirmation information for account binding is formed.

7. A unified payment authentication transaction method, characterized in that: include: Receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is a transaction payment request received by the unified payment authentication server from a user, determine a corresponding authentication agency server according to the transaction payment request; transmit the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication passes, feedback account confirmation information to the user; receive account information transmitted by the user according to the account confirmation information, determine a payment agency server according to the account information, and transmit the transaction payment request to the payment agency server; the account information transmitted by the information includes at least one account information used for payment; Deducting transaction funds according to the transaction payment request; The feedback of account confirmation information to the user specifically includes: Determine whether the user has an account with a payment institution corresponding to the authentication institution server according to the transaction payment request, and if so, determine all accounts of the user and generate account confirmation information; If it does not exist, the account confirmation information for account binding is formed.

8. A unified payment authentication transaction device, characterized in that: include: A request parsing module, used to receive a transaction payment request from a user, and determine a corresponding authentication authority server according to the transaction payment request; A user authentication module, used for transmitting the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedback account confirmation information to the user; A payment transaction module, used to receive the account information transmitted by the user according to the account confirmation information, determine the payment institution server according to the account information and transmit the transaction payment request to the payment institution server for transaction deduction; the account information transmitted by the information includes at least one account information used for payment; The user authentication module is specifically used for: Determine whether the user has an account with the payment institution corresponding to the authentication institution server according to the transaction payment request. If so, determine all the user's accounts and generate account confirmation information. If not, generate account binding account confirmation information.

9. A certification authority server, characterized in that: The system is configured to receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is obtained by the unified payment authentication server receiving a transaction payment request from a user, determining a corresponding authentication agency server according to the transaction payment request, and transmitting the transaction payment request to the authentication agency server; Perform user identity authentication on the transaction payment request. If the user identity authentication is passed, feedback account confirmation information to the user, so that the unified payment authentication server receives the account information transmitted by the user according to the account confirmation information, determines the payment institution server according to the account information, and transmits the transaction payment request to the payment institution server for transaction deduction; the account information transmitted by the information includes at least one account information used for payment; The certification authority server is specifically configured as follows: Determine whether the user has an account with the payment institution corresponding to the authentication institution server according to the transaction payment request. If so, determine all the user's accounts and generate account confirmation information. If not, generate account binding account confirmation information.

10. A payment institution server, characterized in that: The system is configured to receive a transaction payment request transmitted by a unified payment authentication server, wherein the transaction payment request is a transaction payment request received by the unified payment authentication server from a user, determine a corresponding authentication agency server according to the transaction payment request, transmit the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedback account confirmation information to the user, receive account information transmitted by the user according to the account confirmation information, determine a payment agency server according to the account information, and transmit the transaction payment request to the payment agency server, and perform transaction deduction according to the transaction payment request; the account information transmitted by the information includes at least one account information used for payment; The payment institution server is specifically configured as follows: Transmitting the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request. If the user identity authentication is successful, determining whether the user has an account with the payment agency corresponding to the authentication agency server according to the transaction payment request. If so, determining all accounts of the user and generating account confirmation information; If it does not exist, the account confirmation information for account binding is formed.

11. A unified payment authentication transaction system, characterized in that: It includes a unified payment authentication transaction device, an authentication institution server and a payment institution server; The unified payment authentication transaction device is used to receive a transaction payment request from a user, determine a corresponding authentication agency server according to the transaction payment request; transmit the transaction payment request to the authentication agency server so that the authentication agency server performs user identity authentication on the transaction payment request, and if the user identity authentication is passed, feedback account confirmation information to the user; receive account information transmitted by the user according to the account confirmation information, determine a payment agency server according to the account information and transmit the transaction payment request to the payment agency server for transaction deduction; the account information transmitted by the information includes at least one account information used for payment; The certification authority server is specifically used for: Determine whether the user has an account with the payment institution corresponding to the authentication institution server according to the transaction payment request. If so, determine all the user's accounts and generate account confirmation information. If not, generate account binding account confirmation information.

12. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the method according to any one of claims 1 to 7 is implemented.

13. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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