Payment processing method, device and system

Abstract

The present application proposes a payment processing method, device and system, wherein the method is applied to a clearing system, including: receiving a payment request sent by a merchant end through an acquiring system; digitally signing the payment request, and returning a response result to the merchant end through the acquiring system; the response result includes a routing jump address corresponding to the account end, so that the merchant end jumps to the account end according to the routing jump address, and sends the digitally signed payment request to the account backend system through the account end for verification, and after the verification is passed, performs a payment operation corresponding to the payment request to obtain a payment operation result; receives the payment operation result sent by the account backend system, and returns the payment operation result to the merchant end through the acquiring system. The method realizes the interconnection and intercommunication between the acquiring system, the merchant end and the account end through the clearing system, simplifies the interactive links between systems, reduces complexity, improves the overall security of the system, and improves the overall payment processing efficiency.

Description

Technical Field

[0001] The present application relates to the field of online payment technology, and in particular to a payment processing method, device and system. Background Art

[0002] At present, users mainly use the merchant software of mobile terminals to conduct mobile network shopping and make payments through account software. Among them, the payment processing method is mainly that when the user selects the account software on the merchant software to pay for the merchant order, the merchant software interacts with the account backend system through the acquiring system and the clearing system to obtain the payment acceptance result and transaction voucher. The merchant software provides the transaction voucher to the account backend system for verification through the account software routing jump method. After the verification is passed, the account backend system performs payment processing and returns the payment processing result to the mobile terminal.

[0003] In the above method, the interactive process link is lengthy and the payment processing efficiency is poor; and the merchant software is generally routed to the account software through SDK (Software Development Kit), and SDK has strong dependence. In the case of merchant software upgrade, it is easy to cause routing failure, resulting in payment processing failure and reducing payment processing efficiency. Summary of the invention

[0004] The purpose of this application is to solve one of the above technical problems at least to a certain extent.

[0005] To this end, the first purpose of this application is to propose a payment processing method, in which the merchant side and the account side realize the interconnection and interoperability of the acquiring system, the merchant side and the account side through the clearing system and its unified signature, routing jump address and routing jump, and reduce the process of the clearing system sending payment requests to the account background system and obtaining acceptance results, simplify the interactive links between systems, reduce complexity, improve the overall security of the system, and improve the overall payment processing efficiency.

[0006] The second objective of this application is to provide a payment processing device.

[0007] The third object of this application is to provide a payment processing system.

[0008] To achieve the above-mentioned purpose, the first aspect embodiment of the present application proposes a payment processing method, which is applied to a clearing system, including: receiving a payment request sent by a merchant end through an acquiring system; digitally signing the payment request, and returning a response result to the merchant end through the acquiring system; the response result includes a routing jump address corresponding to the account end, so that the merchant end jumps to the account end according to the routing jump address, and sends the digitally signed payment request to the account backend system through the account end for verification, so that the account backend system can perform a payment operation corresponding to the payment request after the digital signature verification is passed, and obtain a payment operation result; receiving the payment operation result sent by the account backend system, and returning the payment operation result to the merchant end through the acquiring system.

[0009] The payment processing method of the embodiment of the present application is applied to the clearing system, by receiving the payment request sent by the merchant end through the acquiring system; digitally signing the payment request, and returning the response result to the merchant end through the acquiring system; the response result includes: a routing jump address corresponding to the account end, so that the merchant end jumps to the account end according to the routing jump address, and sends the digitally signed payment request to the account backend system through the account end for verification, so that the account backend system performs the payment operation corresponding to the payment request after the digital signature is verified, and obtains the payment operation result; receiving the payment operation result sent by the account backend system, and returning the payment operation result to the merchant end through the acquiring system. Thus, the merchant end and the account end realize the interconnection and intercommunication of the acquiring system, the merchant end and the account end through the clearing system and its unified signature, routing jump address routing jump, and reduce the process of the clearing system sending the payment request to the account backend system and obtaining the acceptance result, simplify the interactive link between the systems, reduce the complexity, improve the overall security of the system, and improve the overall payment processing efficiency.

[0010] To achieve the above-mentioned purpose, the second aspect embodiment of the present application proposes a payment processing device, which is applied to a clearing system, including: a receiving module, which is used to receive a payment request sent by a merchant end through an acquiring system; a signing module, which is used to digitally sign the payment request and return a response result to the merchant end through the acquiring system; the response result includes a routing jump address corresponding to the account end, so that the merchant end jumps to the account end according to the routing jump address, and sends the digitally signed payment request to the account background system through the account end for verification, so that the account background system can perform a payment operation corresponding to the payment request after the digital signature verification is passed, and obtain a payment operation result; a return module, which is used to receive the payment operation result sent by the account background system, and return the payment operation result to the merchant end through the acquiring system.

[0011] The payment processing device of the embodiment of the present application is applied to the clearing system, by receiving the payment request sent by the merchant end through the acquiring system; digitally signing the payment request, and returning the response result to the merchant end through the acquiring system; the response result includes a routing jump address corresponding to the account end, so that the merchant end jumps to the account end according to the routing jump address, and sends the digitally signed payment request to the account backend system through the account end for verification, so that the account backend system performs the payment operation corresponding to the payment request after the digital signature is verified, and obtains the payment operation result; receives the payment operation result sent by the account backend system, and returns the payment operation result to the merchant end through the acquiring system. Thus, the merchant end and the account end realize the interconnection and intercommunication of the acquiring system, the merchant end and the account end through the clearing system and its unified signature, routing jump address routing jump, and reduces the process of the clearing system sending the payment request to the account backend system and obtaining the acceptance result, simplifies the interactive link between the systems, reduces the complexity, improves the overall security of the system, and improves the overall payment processing efficiency.

[0012] To achieve the above-mentioned purpose, the third aspect of the present application proposes a payment processing system, comprising: a merchant terminal, an acquiring system, a clearing system, an account backend system and an account terminal installed on a terminal device; the acquiring system is connected to the merchant terminal and the clearing system respectively; the account backend system is connected to the clearing system and the account terminal respectively; the merchant terminal, when a user selects the account terminal to pay for an order, sends a payment request to the clearing system through the acquiring system; the clearing system is used to digitally sign the payment request and return a response result to the merchant terminal through the acquiring system; the response result includes a routing jump address corresponding to the account terminal; the merchant terminal is used to jump to the account terminal according to the routing jump address, and send the digitally signed payment request to the account backend system through the account terminal for verification; the account backend system is used to verify the digitally signed payment request, and after the digital signature verification is passed, perform a payment operation corresponding to the payment request, obtain a payment operation result and return it to the clearing system; the clearing system is also used to return the payment operation result to the merchant terminal through the acquiring system.

[0013] Additional aspects and advantages of the present application will be given in part in the description below, and in part will become apparent from the description below, or will be learned through the practice of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] The above and / or additional aspects and advantages of the present application will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0015] Figure 1 A schematic diagram of a payment processing method according to an embodiment of the present application;

[0016] Figure 2 is a flow chart of a payment processing method according to another embodiment of the present application;

[0017] Figure 3 A schematic diagram of the structure of a payment processing device according to an embodiment of the present application;

[0018] Figure 4 is a schematic diagram of the structure of a payment processing device according to another embodiment of the present application;

[0019] Figure 5 It is a structural schematic diagram of a payment processing device according to another embodiment of the present application;

[0020] Figure 6 It is a schematic diagram of the structure of a payment processing system according to one embodiment of the present application. DETAILED DESCRIPTION

[0021] The embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present application, and should not be construed as limiting the present application.

[0022] The payment processing method, device and system of the embodiments of the present application are described below with reference to the accompanying drawings.

[0023] Figure 1 A flow chart of a payment processing method provided for an embodiment of the present application. The execution subject of the payment processing method in the embodiment of the present application is a payment processing device, which can be applied to a payment processing system. The participants of the payment processing system may include users (i.e., payers), merchants (i.e., payees), merchant terminals installed on terminal devices, acquiring systems, account terminals, account backend systems, and clearing systems. Among them, the user binds the entity fund account through the account terminal on the terminal device. The merchant uses the merchant terminal payment acquiring service provided by the acquiring system to accept the user to complete the payment to the merchant through the account terminal. The account terminal and the account backend system are responsible for user account opening and providing account services, cross-institutional account proxy services, receiving and processing payment instructions forwarded by the clearing system, and handling user fund management. The acquiring system is responsible for merchant access and management, receiving and processing payment instructions from the clearing agency system, performing transaction processing, and handling merchant acquiring funds settlement. The clearing system is responsible for receiving and processing payment instructions, clearing and clearing transaction funds, and plays a role in transaction intermediary transfer and fund clearing in payment services.

[0024] like Figure 1 As shown, the payment processing method includes the following steps:

[0025] S101, receiving a payment request sent by the merchant through the acquiring system.

[0026] In the embodiment of the present application, a merchant terminal is installed on the terminal device, and the clearing system receives the payment request sent by the merchant terminal through the acquiring system. For example, a mobile terminal is installed with merchant software, and a user uses the merchant software to shop online. When the user selects the account software on the merchant software to pay for the product order, the merchant software sends a payment request to the clearing system through the acquiring system, and the clearing system receives the payment request sent by the acquiring system. Among them, merchant software includes Taobao, JD.com, etc. Account software includes WeChat, Alipay, etc.

[0027] S103, digitally sign the payment request and return the response result to the merchant side through the acquiring system; the response result includes the routing jump address corresponding to the account side, so that the merchant side jumps to the account side according to the routing jump address, and sends the digitally signed payment request to the account backend system through the account side for verification, so that the account backend system can perform the payment operation corresponding to the payment request after the digital signature is verified, and obtain the payment operation result.

[0028] Furthermore, after receiving the payment request sent by the acquiring system, the clearing system digitally signs the payment request and returns a response result to the acquiring system, which then returns the response result to the merchant. The response result may include but is not limited to the routing jump address corresponding to the account side, so that the merchant side jumps to the account side according to the routing jump address, and sends the digitally signed payment request to the account backend system through the account side for verification, so that the account backend system can perform the payment operation corresponding to the payment request after the digital signature is verified, and obtain the payment operation result.

[0029] It should be noted that the format of the routing jump address is an international standard format. In order to realize the interconnection between software by implementing the unified format URL (Uniform Resource Locator) routing jump between the merchant side and the account side through the clearing system, in the embodiment of the present application, the payment request is digitally signed, and before the response result is returned to the merchant side through the acquiring system, the clearing system receives the routing jump address reported by the account backend system corresponding to the account side; saves the routing jump address, and establishes the corresponding relationship between the routing jump address and the account side.

[0030] Furthermore, after the clearing system receives the routing jump address reported by the backend system of the account corresponding to the account end, the clearing system obtains multiple operating system types and indicators corresponding to the types one by one; the indicators are added to the routing jump address respectively to obtain multiple enhanced routing jump addresses corresponding to the types respectively. Correspondingly, the routing jump address is saved, and a corresponding relationship between the routing jump address and the account end is established, specifically: the enhanced routing jump address is saved, and a corresponding relationship between the enhanced routing jump address and the account end and the operating system type is established.

[0031] That is to say, after the clearing system receives the routing jump address reported by the account backend system corresponding to the account end, it can obtain the types of operating systems of multiple terminal devices installed on the account end, such as Android, IOS (Apple's mobile operating system), etc.; then, obtain the indicator corresponding to the type of the operating system, that is, the type of the operating system of the terminal device installed on the account end can be obtained through the indicator, and then, the indicator is added to the routing jump address respectively, and the enhanced routing jump address corresponding to the operating system type can be obtained. Finally, the enhanced routing jump address is saved, and a corresponding relationship between the enhanced routing jump address and the account end and the operating system type is established.

[0032] Furthermore, in the process of the clearing system returning a response result to the merchant end through the acquiring system, the clearing system can obtain the type of operating system of the terminal device on which the merchant end is installed, and use the type as the type to be responded to; based on the type to be responded to, query the corresponding relationship of the account end, and obtain the enhanced routing jump address that has established a corresponding relationship with the type to be responded to and the account end, as the enhanced routing jump address to be responded to; add the enhanced routing jump address to be responded to the response result and return it to the merchant end.

[0033] That is to say, the clearing system queries the correspondence with the billing end according to the type of operating system of the terminal device on which the merchant end is installed, and obtains the enhanced routing jump address that has a corresponding relationship with the type of operating system and the account end from the saved enhanced routing jump address according to the correspondence, and adds the enhanced routing jump address to the response result and returns it to the merchant end.

[0034] In this application, the use of the enhanced routing jump address allows the merchant side to directly jump to the account side according to the enhanced routing jump address, avoiding the defect of needing to jump through a browser when jumping according to the unenhanced routing jump address, thereby improving the jump speed.

[0035] In this application, the use and provision of routing jump addresses enable the acquiring system and the merchant end to support all account ends through only one routing jump method, reducing integration and operation and maintenance costs. In addition, the format of the routing jump address is an international standard format, supports commonly used operating systems, has high compatibility, and improves the overall payment success rate.

[0036] In addition, it should be noted that the merchant side and the account side can be installed on one terminal device or on different terminal devices.

[0037] In order to ensure the privacy and security of payment information, when digitally signing a payment request, the public key of the account backend system is used to encrypt the payment request, and the private key of the clearing system is used to digitally sign the encrypted payment request. The response result is returned to the merchant side through the acquiring system, so that after the merchant side sends the digitally signed payment request to the account backend system through the account side, the account backend system uses the public key of the clearing system to verify the digitally signed payment request, and uses the private key of the account backend system to decrypt the verified payment request. After the decryption is successful, it is determined that the verification is passed. In this way, the privacy and security of payment information is guaranteed. It should be noted that the account backend system can obtain the public key of the clearing system when it joins the network.

[0038] S105, receiving the payment operation result sent by the account backend system, and returning the payment operation result to the merchant side through the acquiring system.

[0039] Specifically, after receiving the payment operation result sent by the account backend system, the clearing system returns the payment operation result to the merchant through the acquiring system so that the user can view the payment operation result.

[0040] In summary, the merchant side and the account side realize the interconnection and interoperability of the acquiring system, the merchant side and the account side through the clearing system and its unified signature, routing jump address and routing jump, which simplifies the interaction links between systems, reduces complexity, improves the overall security of the system, and improves the overall payment processing efficiency.

[0041] In order to better illustrate the above embodiment, examples are now given for illustration.

[0042] For example, Figure 2 shown. Figure 2 According to a payment processing method according to an embodiment of the present application, the specific implementation process is as follows:

[0043] Step 1: The user selects the account APP in the merchant APP (Application) of the terminal device to pay the merchant order;

[0044] Step 2: The merchant APP sends a payment request to the acquiring system;

[0045] Step 3: The acquiring system sends a payment request to the clearing system;

[0046] Step 4: After the clearing system accepts and digitally signs the payment application, it returns the acceptance result, signature content, and unified APP routing jump URL (Universal Resource Locater) to the acquiring system. The account backend system reports the URL to the clearing agency in advance. The account backend system can also use Universal Links, App Links and other technologies to enhance the user experience of the URL; the clearing system saves the enhanced routing jump address and establishes a corresponding relationship between the enhanced routing jump address and the account end and operation type;

[0047] Step 5: According to the type of the merchant APP's operating system, the enhanced routing jump address corresponding to the system operation type is obtained, and the acquiring system returns the enhanced routing jump URL and payment information to the merchant APP;

[0048] Step 6: The merchant APP jumps to the account APP according to the URL routing, and transmits the payment request of the acquiring system and the digital signature content of the clearing system. After the account backend system verifies the signature of the payment request, it displays the order information to the user;

[0049] Step 7: The user authorizes the account institution to deduct the funds;

[0050] Step 8: The account APP notifies the account backend system to deduct the money;

[0051] Step 9: The account backend system notifies the clearing system of the deduction processing result;

[0052] Step 10: The clearing system notifies the acquiring system of the payment result;

[0053] Step 11: The acquiring system notifies the merchant APP of the payment result.

[0054] The payment processing method of the embodiment of the present application is applied to the clearing system, by receiving the payment request sent by the merchant end through the acquiring system; digitally signing the payment request, and returning the response result to the merchant end through the acquiring system; the response result includes: the routing jump address corresponding to the account end, so that the merchant end jumps to the account end according to the routing jump address, and sends the digitally signed payment request to the account background system through the account end for verification, so that the account background system performs the payment operation corresponding to the payment request after the digital signature is verified, and obtains the payment operation result; receiving the payment operation result sent by the account background system, and returning the payment operation result to the merchant end through the acquiring system. Thus, the merchant end and the account end realize the interconnection and interoperability of the acquiring system, the merchant end and the account end through the clearing system and its unified signature, routing jump address routing jump, and can realize the ability of one-point access of merchant software and account software functions and business interconnection and interoperability through unified interface standards and unified software routing jump specifications, with high compatibility, and simplified the interactive links between systems, reduced complexity, improved the overall security of the system, and improved the overall payment processing efficiency.

[0055] Corresponding to the payment processing methods provided in the above-mentioned embodiments, an embodiment of the present application also provides a payment processing device. Since the payment processing device provided in the embodiment of the present application corresponds to the payment processing methods provided in the above-mentioned embodiments, the implementation methods of the aforementioned payment processing methods are also applicable to the payment processing device provided in this embodiment and will not be described in detail in this embodiment. Figure 3 FIG. 1 is a schematic diagram of the structure of a payment processing device according to an embodiment of the present application. Figure 3 As shown, the payment processing device includes: a receiving module 310, a signing module 320, and a returning module 330.

[0056] Among them, the receiving module 310 is used to receive the payment request sent by the merchant side through the acquiring system; the signing module 320 is used to digitally sign the payment request and return the response result to the merchant side through the acquiring system; the response result includes a routing jump address corresponding to the account side, so that the merchant side jumps to the account side according to the routing jump address, and sends the digitally signed payment request to the account backend system through the account side for verification, so that the account backend system can perform the payment operation corresponding to the payment request after the digital signature is verified, and obtain the payment operation result; the return module 330 is used to receive the payment operation result sent by the account backend system, and return the payment operation result to the merchant side through the acquiring system.

[0057] As a possible implementation method of the embodiment of the present application, Figure 4 As shown, in Figure 3 On the basis shown, the payment processing device also includes: a storage module 340.

[0058] The storage module 340 is used to store the routing jump address and establish a corresponding relationship between the routing jump address and the account end.

[0059] As a possible implementation method of the embodiment of the present application, the format of the routing jump address is an international standard format.

[0060] As a possible implementation method of the embodiment of the present application, Figure 5 As shown, in Figure 4 On the basis shown, the payment processing device also includes: an acquisition module 350 and an adding module 360.

[0061] Among them, the acquisition module 350 is used to obtain the types of multiple operating systems and indicators corresponding to the types one by one; the adding module 360 ​​is used to add the indicators to the routing jump addresses respectively to obtain multiple enhanced jump addresses corresponding to the types respectively; correspondingly, the saving module 340 is specifically used to save the enhanced routing jump address and establish a corresponding relationship between the enhanced routing jump address and the account end and the operating system type.

[0062] As a possible implementation method of an embodiment of the present application, the return module 330 is specifically used to obtain the type of operating system of the terminal device on which the merchant end is installed, and use the type as the type to be responded to; according to the type to be responded to, query the corresponding relationship of the account end, and obtain the enhanced routing jump address that has established a corresponding relationship with the type to be responded to and the account end, as the enhanced routing jump address to be responded to; add the enhanced routing jump address to be responded to the response result and return it to the merchant end.

[0063] As a possible implementation method of the embodiment of the present application, the signature module 320 is specifically used to encrypt the payment request using the public key of the account background system, and digitally sign the encrypted payment request using the private key of the clearing system, and return the response result to the merchant side through the acquiring system, so that after the merchant side sends the digitally signed payment request to the account background system through the account side, the account background system uses the public key of the clearing system to verify the digitally signed payment request, and uses the private key of the account background system to decrypt the verified payment request, and determines that the verification is successful after the decryption is successful.

[0064] The payment processing device of the embodiment of the present application is applied to the clearing system, by receiving the payment request sent by the merchant end through the acquiring system; digitally signing the payment request, and returning the response result to the merchant end through the acquiring system; the response result includes the routing jump address corresponding to the account end, so that the merchant end jumps to the account end according to the routing jump address, and sends the digitally signed payment request to the account background system through the account end for verification, so that the account background system performs the payment operation corresponding to the payment request after the digital signature is verified, and obtains the payment operation result; receives the payment operation result sent by the account background system, and returns the payment operation result to the merchant end through the acquiring system. Thus, the merchant end and the account end realize the interconnection and intercommunication of the acquiring system, the merchant end and the account end through the clearing system and its unified signature, routing jump address routing jump, and can realize the ability of one-point access of merchant software and account software functions and business interconnection and intercommunication through unified interface standards and unified software routing jump specifications, with high compatibility, and simplified the interactive links between systems, reduced complexity, improved the overall security of the system, and improved the overall payment processing efficiency.

[0065] In order to implement the above embodiment, the present application also proposes a payment processing system, such as Figure 6 As shown, Figure 6 The schematic diagram of the payment processing system of the embodiment of the present application is as follows: the payment processing system comprises: a merchant terminal 610 installed on a terminal device, a payment acquiring system 620, a clearing system 630, an account backend system 640 and an account terminal 650.

[0066] Among them, the acquiring system 620 is connected to the merchant side 610 and the clearing system 630 respectively; the account backend system 640 is connected to the clearing system 630 and the account side 650 respectively; the merchant side 610, when the user selects the account side to pay for the order, sends a payment request to the clearing system through the acquiring system; the clearing system 630 is used to digitally sign the payment request and return the response result to the merchant side through the acquiring system; the response result includes the routing jump address corresponding to the account side; the merchant side 610 is used to jump to the account side according to the routing jump address, and send the digitally signed payment request to the account backend system through the account side for verification; the account backend system 640 is used to verify the digitally signed payment request, and after the digital signature verification is passed, perform the payment operation corresponding to the payment request, obtain the payment operation result and return it to the clearing system; the clearing system 630 is also used to return the payment operation result to the merchant side through the acquiring system.

[0067] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" etc. means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner. In addition, those skilled in the art may combine and combine the different embodiments or examples described in this specification and the features of the different embodiments or examples, without contradiction.

[0068] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In the description of this application, the meaning of "plurality" is at least two, such as two, three, etc., unless otherwise clearly and specifically defined.

[0069] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, fragment or portion of code comprising one or more executable instructions for implementing the steps of a custom logical function or process, and the scope of the preferred embodiments of the present application includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in the reverse order depending on the functions involved, which should be understood by technicians in the technical field to which the embodiments of the present application belong.

[0070] The logic and / or steps represented in the flowchart or otherwise described herein, for example, can be considered as an ordered list of executable instructions for implementing logical functions, and can be embodied in any computer-readable medium for use by an instruction execution system, device or apparatus (such as a computer-based system, a system including a processor, or other system that can fetch instructions from an instruction execution system, device or apparatus and execute the instructions), or in combination with these instruction execution systems, devices or apparatuses. For the purpose of this specification, "computer-readable medium" can be any device that can contain, store, communicate, propagate or transmit a program for use by an instruction execution system, device or apparatus, or in combination with these instruction execution systems, devices or apparatuses. More specific examples of computer-readable media (a non-exhaustive list) include the following: an electrical connection with one or more wires (electronic device), a portable computer disk box (magnetic device), a random access memory (RAM), a read-only memory (ROM), an erasable and programmable read-only memory (EPROM or flash memory), a fiber optic device, and a portable compact disk read-only memory (CDROM). In addition, the computer-readable medium may even be paper or other suitable medium on which the program is printed, since the program may be obtained electronically, for example, by optically scanning the paper or other medium and then editing, interpreting or processing in other suitable ways if necessary, and then stored in a computer memory.

[0071] It should be understood that the various parts of the present application can be implemented by hardware, software, firmware or a combination thereof. In the above-mentioned embodiments, multiple steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0072] A person skilled in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0073] In addition, each functional unit in each embodiment of the present application may be integrated into a processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of a software functional module. If the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it may also be stored in a computer-readable storage medium.

[0074] The storage medium mentioned above may be a read-only memory, a magnetic disk or an optical disk, etc. Although the embodiments of the present application have been shown and described above, it can be understood that the above embodiments are exemplary and cannot be understood as limiting the present application. A person of ordinary skill in the art may change, modify, replace and modify the above embodiments within the scope of the present application.

Claims

1. A payment processing method, applied to an acquiring system, characterized in that: include: Forward the payment request sent by the merchant to the clearing system; Receiving a response result sent by the clearing system, wherein the clearing system generates the response result after digitally signing the payment request, and the response result includes a routing jump address corresponding to the account end; Returning a response result to the merchant end, so that the merchant end jumps to the account end according to the routing jump address in the response result, and sending the digitally signed payment request to the account backend system through the account end for verification, so that the account backend system can perform a payment operation corresponding to the payment request after the digital signature is verified, obtain a payment operation result, and send the payment operation result to the clearing system; wherein the routing jump address is an enhanced routing jump address corresponding to the operating system type obtained by adding indicators corresponding to the types of operating systems of multiple terminal devices to the routing jump address, and there is a corresponding relationship between the enhanced routing jump address and the account end and the operating system type; Receive the payment operation result sent by the clearing system, and return the payment operation result to the merchant end.

2. The method according to claim 1, characterized in that The corresponding relationship between the routing jump address and the account end is that the clearing system receives the routing jump address reported by the account backend system corresponding to the account end, and saves the routing jump address, so as to establish the relationship with the account end according to the routing jump address.

3. The method according to claim 1 or 2, characterized in that: The format of the routing jump address is an international standard format.

4. The method according to claim 2, characterized in that: The enhanced routing jump address corresponding to the operating system type is the clearing system, Obtaining types of multiple operating systems and indicators corresponding to the types one by one, and adding the indicators to the routing jump addresses respectively; Correspondingly, the correspondence between the enhanced routing jump address and the account terminal and the operating system type is the clearing system The enhanced routing jump address is saved and established according to the enhanced routing jump address, the account end and the operating system type.

5. The method according to claim 4, characterized in that The response result also includes a routing jump address after enhancement to be responded to, wherein the routing jump address after enhancement to be responded to is obtained by the clearing system obtaining the type of operating system of the terminal device on which the merchant terminal is installed, taking the type as the type to be responded to, and querying the corresponding relationship of the account terminal according to the type to be responded to. A corresponding relationship is established between the routing jump address after enhancement to be responded to, the type to be responded to and the account terminal.

6. The method according to claim 1, characterized in that The clearing system uses the public key of the account backend system to encrypt the payment request, and uses the private key of the clearing system to digitally sign the encrypted payment request; Correspondingly, after the merchant sends the digitally signed payment request to the account backend system through the account end, the account backend system uses the public key of the clearing system to verify the digitally signed payment request, and uses the private key of the account backend system to decrypt the verified payment request, and determines that the verification is successful after the decryption is successful.

7. A payment processing method, applied to a merchant, characterized in that: include: Send payment request to clearing system through acquiring system; Receiving a response result sent by the clearing system through the acquiring system; wherein the clearing system generates the response result after digitally signing the payment request, and the response result includes a routing jump address corresponding to the account end; Jump to the account end according to the routing jump address, and send the digitally signed payment request to the account backend system through the account end for verification, so that the account backend system can perform the payment operation corresponding to the payment request after the digital signature is verified, obtain the payment operation result, and send the payment operation result to the clearing system; wherein the routing jump address is an enhanced routing jump address corresponding to the operating system type obtained by adding indicators corresponding to the types of operating systems of multiple terminal devices to the routing jump address, and there is a corresponding relationship between the enhanced routing jump address and the account end and the operating system type; Receive the payment operation result sent by the clearing system through the acquiring system.

8. The method according to claim 7, characterized in that The corresponding relationship between the routing jump address and the account end is that the clearing system receives the routing jump address reported by the account backend system corresponding to the account end, and The routing jump address is saved to establish an association with the account terminal according to the routing jump address.

9. The method according to claim 7 or 8, characterized in that: The format of the routing jump address is an international standard format.

10. The method according to claim 8, characterized in that The enhanced routing jump address corresponding to the operating system type is the clearing system Acquire types of multiple operating systems and indicators corresponding to the types one by one; Obtained by respectively adding the indicators to the routing jump addresses; Correspondingly, the correspondence between the enhanced routing jump address and the account terminal and the operating system type is the clearing system The enhanced routing jump address is saved and established according to the enhanced routing jump address, the account end and the operating system type.

11. The method according to claim 10, characterized in that The response result also includes a routing jump address after enhancement to be responded to, wherein the routing jump address after enhancement to be responded to is obtained by the clearing system obtaining the type of operating system of the terminal device on which the merchant terminal is installed, taking the type as the type to be responded to, and querying the corresponding relationship of the account terminal according to the type to be responded to. A corresponding relationship is established between the routing jump address after enhancement to be responded to, the type to be responded to and the account terminal.

12. The method according to claim 7, characterized in that The clearing system uses the public key of the account backend system to encrypt the payment request, and uses the private key of the clearing system to digitally sign the encrypted payment request; Correspondingly, after receiving the response result returned by the clearing system through the acquiring system, and sending the digitally signed payment request to the account backend system through the account end, the account backend system uses the public key of the clearing system to verify the digitally signed payment request, and uses the private key of the account backend system to decrypt the verified payment request, and determines that the verification is successful after the decryption is successful.

13. A payment processing device, applied to a payment acquiring system, characterized in that: include: The sending module is used to forward the payment request sent by the merchant to the clearing system; A first receiving module, configured to receive a response result sent by the clearing system, wherein the clearing system generates the response result after digitally signing the payment request, and the response result includes a routing jump address corresponding to the account end; A return module, used for returning a response result to the merchant end, so that the merchant end jumps to the account end according to the routing jump address in the response result, and sends the digitally signed payment request to the account backend system through the account end for verification, so that the account backend system can perform a payment operation corresponding to the payment request after the digital signature is verified, obtain a payment operation result, and send the payment operation result to the clearing system; wherein the routing jump address is an enhanced routing jump address corresponding to the operating system type obtained by adding indicators corresponding to the types of operating systems of multiple terminal devices to the routing jump address, and there is a corresponding relationship between the enhanced routing jump address and the account end and the operating system type; The second receiving module is used to receive the payment operation result sent by the clearing system and return the payment operation result to the merchant end.

14. A payment processing device, applied to a merchant, characterized in that: include: A sending module, used to send a payment request to a clearing system through an acquiring system; A receiving module, configured to receive a response result sent by the clearing system through the acquiring system; wherein the clearing system generates the response result after digitally signing the payment request, and the response result includes a routing jump address corresponding to the account end; A verification module, used to jump to the account end according to the routing jump address, and send the digitally signed payment request to the account backend system through the account end for verification, so that the account backend system can perform a payment operation corresponding to the payment request after the digital signature is verified, obtain a payment operation result, and send the payment operation result to the clearing system; wherein the routing jump address is an enhanced routing jump address corresponding to the operating system type obtained by adding indicators corresponding to the types of operating systems of multiple terminal devices to the routing jump address, and there is a corresponding relationship between the enhanced routing jump address and the account end and the operating system type; A receiving module is used to receive the payment operation result sent by the clearing system through the acquiring system.

15. A payment processing system, characterized in that: include: The merchant terminal, acquiring system, clearing system, account backend system and account terminal installed on the terminal device; The acquiring system is connected to the merchant terminal and the clearing system, respectively, and is used to execute the payment processing method according to any one of claims 1 to 6; the account backend system is connected to the clearing system and the account terminal, respectively; The merchant side, when the user selects the account side to pay for the order, sends a payment request to the clearing system through the acquiring system, and is used to execute the payment processing method according to any one of claims 7 to 12; The clearing system is used to digitally sign the payment request and return a response result to the merchant end through the acquiring system; the response result includes a routing jump address corresponding to the account end; The merchant terminal is used to jump to the account terminal according to the routing jump address, and send the digitally signed payment request to the account backend system for verification through the account terminal; The account backend system is used to verify the payment request with the digital signature, perform the payment operation corresponding to the payment request after the digital signature verification is passed, obtain the payment operation result and return it to the clearing system; The clearing system is also used to return the payment operation result to the merchant end through the acquiring system.

Images