Mobile Payment Method, Device, System, Computer Device and Storage Medium

Abstract

The present application relates to a mobile payment method, device, system, computer device, storage medium and computer program product, and relates to the field of information security technology. The method includes: in response to a payment request, obtaining a target string obtained by scanning a QR code of a payee in the payment request, and determining a payee identifier and a first regional identifier according to the target string; sending a query message to a financial system corresponding to the first regional identifier, so that the financial system returns payment information; sending the payment information to a client, and in the case of receiving a payment confirmation request, performing a deduction process on a payment account identifier; determining a clearing system according to the first regional identifier and a second regional identifier corresponding to the payment account identifier, and sending a remittance message to the clearing system to perform a remittance process on the payee through the clearing system. By using this method, it can be applicable to both domestic and overseas QR code scanning payments, and has a wide range of application scenarios.

Description

Technical Field

[0001] The present application relates to the field of information security technology, and in particular, to a mobile payment method, device, system, computer device, storage medium, and computer program product. Background Art

[0002] With the rapid development of Internet finance, payment methods have become more and more convenient. There has emerged a payment method of scanning the merchant's collection QR code through mobile electronic products such as mobile phones, and it has gradually become one of the mainstream payment methods in China. However, the existing QR code payment method is only suitable for use within the country. If a user travels abroad, they cannot make a payment by scanning the QR code overseas, and the usage scenario is limited.

[0003] There is an urgent need for a mobile payment method that is suitable for QR code payment both within and outside the country. Summary of the Invention

[0004] Based on this, in view of the above technical problems, it is necessary to provide a mobile payment method, device, system, computer device, computer-readable storage medium, and computer program product that can be suitable for QR code payment both within and outside the country.

[0005] In a first aspect, the present application provides a mobile payment method. The method includes:

[0006] In response to a payment request sent by a client, obtain a target string obtained by the client scanning a QR code of a payee, and determine a payee identifier of the payee and a first regional identifier corresponding to the payee according to the target string;

[0007] Send a query message including the payee identifier to a target financial system corresponding to the first regional identifier, so that the target financial system returns target payment information corresponding to the payee identifier according to the query message;

[0008] Send the target payment information to the client, and perform a deduction process on a payment account identifier in the payment confirmation request when receiving the payment confirmation request sent by the client;

[0009] Determine a target clearing system according to the first regional identifier and a second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send a remittance message corresponding to the payment request to the target clearing system to perform a remittance process on the payee through the target clearing system.

[0010] In one embodiment, the determining the payee identifier of the payee and the first regional identifier corresponding to the payee according to the target string includes:

[0011] Parse the target string according to a preset parsing rule to determine the data parsing method corresponding to the target string;

[0012] Parse the target string according to the data parsing method to determine the payee identifier of the payee and the first regional identifier corresponding to the payee.

[0013] In one embodiment, the determining the target clearing system according to the first regional identifier and the second regional identifier corresponding to the payment account identifier in the payment confirmation request includes:

[0014] Determine whether the first regional identifier is consistent with the second regional identifier corresponding to the payment account identifier in the payment confirmation request;

[0015] When the first regional identifier is consistent with the second regional identifier, determine the target financial system corresponding to the first regional identifier as the target clearing system;

[0016] When the first regional identifier is inconsistent with the second regional identifier, determine the preset cross-regional clearing system as the target clearing system.

[0017] In one embodiment, the target collection information includes a target collection account identifier, and the payment confirmation request further includes a payment amount; the method further includes:

[0018] Determine the target remittance message generation rule corresponding to the target clearing system;

[0019] Generate a remittance message corresponding to the payment request according to the target collection account identifier, the payment amount, and the target remittance message generation rule.

[0020] In one embodiment, the deducting the payment account identifier in the payment confirmation request when receiving the payment confirmation request sent by the client includes:

[0021] When receiving the first payment confirmation request sent by the client, obtain the payment amount in the first payment confirmation request and determine whether the payment amount is greater than a preset threshold;

[0022] When the payment amount is greater than the preset threshold, send a signature verification instruction to the client, so that the client returns a second payment confirmation request including signature verification information according to the signature verification instruction;

[0023] Determine whether the signature verification information is consistent with the pre-stored signature verification information. If it is consistent, deduct the payment account identifier in the second payment confirmation request.

[0024] In one embodiment, the method further includes:

[0025] Querying whether receipt information sent by the target clearing system is received at a preset time interval;

[0026] When the receipt information is received, sending a first payment result to the client according to the receipt information; the first payment result indicates that the payment is successful or failed;

[0027] When the receipt information is not received, sending a second payment result to the client; the second payment result indicates that the bank is processing.

[0028] In a second aspect, the present application further provides a mobile payment system. The mobile payment system includes a client and a server, wherein:

[0029] The client is configured to scan a two-dimensional code of a payee to obtain a target string, and send a payment request including the target string to the server;

[0030] The server is configured to obtain the target string in the payment request, and determine a payee identifier of the payee and a first regional identifier corresponding to the payee according to the target string; send a query message including the payee identifier to a target financial system corresponding to the first regional identifier, so that the target financial system returns target receipt information corresponding to the payee identifier according to the query message; and send the target receipt information to the client;

[0031] The client is further configured to send a payment confirmation request to the server;

[0032] The server is further configured to perform a deduction process on a payment account identifier in the payment confirmation request; determine a target clearing system according to the first regional identifier and a second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send a remittance message corresponding to the payment request to the target clearing system, so as to perform a remittance process on the payee through the target clearing system.

[0033] In a third aspect, the present application further provides a mobile payment device. The device includes:

[0034] A first determination module, configured to, in response to a payment request sent by a client, obtain the target string obtained by the client scanning a two-dimensional code of a payee in the payment request, and determine a payee identifier of the payee and a first regional identifier corresponding to the payee according to the target string;

[0035] A first sending module, configured to send a query message including the payee identifier to a target financial system corresponding to the first regional identifier, so that the target financial system returns target payee information corresponding to the payee identifier according to the query message;

[0036] A deduction module, configured to send the target payee information to the client, and perform a deduction process on the payment account identifier in the payment confirmation request when receiving the payment confirmation request sent by the client;

[0037] A second sending module, configured to determine a target clearing system according to the first regional identifier and a second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send a remittance message corresponding to the payment request to the target clearing system, so as to perform a remittance process on the payee through the target clearing system.

[0038] Fourthly, the present application further provides a computer device. The computer device includes a memory and a processor. The memory stores a computer program. When the processor executes the computer program, the following steps are implemented:

[0039] In response to a payment request sent by a client, obtain a target string obtained by the client scanning a two-dimensional code of a payee in the payment request, and determine a payee identifier of the payee and a first regional identifier corresponding to the payee according to the target string;

[0040] Send a query message including the payee identifier to a target financial system corresponding to the first regional identifier, so that the target financial system returns target payee information corresponding to the payee identifier according to the query message;

[0041] Send the target payee information to the client, and perform a deduction process on the payment account identifier in the payment confirmation request when receiving the payment confirmation request sent by the client;

[0042] Determine a target clearing system according to the first regional identifier and a second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send a remittance message corresponding to the payment request to the target clearing system, so as to perform a remittance process on the payee through the target clearing system.

[0043] Fifthly, the present application further provides a computer-readable storage medium. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, the following steps are implemented:

[0044] In response to a payment request sent by a client, obtain the target string obtained by the client scanning the QR code of the payee in the payment request, and determine the payee identifier of the payee and the first regional identifier corresponding to the payee according to the target string;

[0045] Send a query message containing the payee identifier to the target financial system corresponding to the first regional identifier, so that the target financial system returns the target payment information corresponding to the payee identifier according to the query message;

[0046] Send the target payment information to the client, and perform a deduction process on the payment account identifier in the payment confirmation request when receiving the payment confirmation request sent by the client;

[0047] Determine the target clearing system according to the first regional identifier and the second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send the remittance message corresponding to the payment request to the target clearing system to perform a remittance process on the payee through the target clearing system.

[0048] In a sixth aspect, the present application also provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0049] In response to a payment request sent by a client, obtain the target string obtained by the client scanning the QR code of the payee in the payment request, and determine the payee identifier of the payee and the first regional identifier corresponding to the payee according to the target string;

[0050] Send a query message containing the payee identifier to the target financial system corresponding to the first regional identifier, so that the target financial system returns the target payment information corresponding to the payee identifier according to the query message;

[0051] Send the target payment information to the client, and perform a deduction process on the payment account identifier in the payment confirmation request when receiving the payment confirmation request sent by the client;

[0052] Determine the target clearing system according to the first regional identifier and the second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send the remittance message corresponding to the payment request to the target clearing system to perform a remittance process on the payee through the target clearing system.

[0053] The above-mentioned mobile payment method, device, system, computer device, storage medium and computer program product determine the payee identifier and the first regional identifier corresponding to the payee by scanning the two-dimensional code of the payee, and then send a query message to the target financial system corresponding to the first regional identifier to obtain the target payment information corresponding to the payee identifier. Then, in the case of receiving a payment confirmation request, the payment account corresponding to the payment account identifier in the payment confirmation request is debited, and then the target clearing system is determined according to the first regional identifier corresponding to the payee and the second regional identifier corresponding to the payment account identifier, and a remittance message is sent to the target clearing system, so as to remit money to the payee through the target clearing system to complete the payment. This method determines the payee identifier and the first regional identifier by scanning the two-dimensional code, and then sends a query message that meets the requirements of the target financial system to the target financial system corresponding to the first regional identifier, so as to successfully obtain the target payment information corresponding to the payee identifier, and determine the target clearing system according to the first regional identifier corresponding to the payee and the second regional identifier corresponding to the payment account identifier, so as to select a suitable clearing system to transmit the remittance message, and then successfully remit money to the payer to ensure smooth payment. Therefore, this method can be unrestricted by regions. Whether the user is inside or outside the country, they can use a client such as a mobile banking APP to scan the two-dimensional code of a merchant (i.e., the payee) for mobile payment. The applicable scenarios are more extensive, and the payment is real-time, fast, and the operation is flexible and convenient. BRIEF DESCRIPTION OF THE DRAWINGS

[0054] Figure 1 It is an application environment diagram of the mobile payment method in an embodiment;

[0055] Figure 2 It is a schematic flowchart of the mobile payment method in an embodiment;

[0056] Figure 3 It is a signaling diagram of the mobile payment method in a specific example;

[0057] Figure 4 It is a structural block diagram of the mobile payment device in an embodiment;

[0058] Figure 5 It is an internal structure diagram of a computer device in an embodiment. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0059] In order to make the objectives, technical solutions and advantages of the present application clearer and more understandable, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0060] First, before specifically introducing the technical solutions of the embodiments of the present application, the technical background or the evolution context based on which the embodiments of the present application are described will be introduced. With the rapid development of Internet finance, payment methods have become increasingly convenient. There has emerged a payment method of scanning the merchant's collection QR code through mobile electronic products such as mobile phones, and it has gradually become one of the mainstream payment methods in the country. However, the current QR code payment method is only suitable for use within the country. If a user travels abroad, they cannot make payments by scanning the QR code overseas, and the usage scenario is limited. Based on this background, through long-term research and development and experimental verification, the applicant proposes the mobile payment method of the present application, which can be applicable to both domestic and overseas QR code payments, with real-time and fast payment, flexible and convenient operation. In addition, it should be noted that for the discovery of the technical problems of the present application and the technical solutions introduced in the following embodiments, the applicant has put in a lot of creative labor.

[0061] The mobile payment method provided by the embodiments of the present application can be applied to an application environment as Figure 1 shown. Among them, the client 102, the financial system 106, and the clearing system 108 communicate with the server 104 through the network respectively. Among them, the client 102 can be an application installed on electronic products such as smart phones, tablets, and portable wearable devices, such as a mobile banking APP. The portable wearable device can be a smart watch, a smart bracelet, a head-mounted device, etc. The server 104 can be a server of a banking business system, and can be implemented by an independent server or a server cluster composed of multiple servers. The financial system 106 and the clearing system 108 can be business systems of banks or other financial institutions, and can be implemented by an independent server or a server cluster.

[0062] In one embodiment, as Figure 2 shown, a mobile payment method is provided. Taking the method applied to the Figure 1 server 104 as an example for description, it includes the following steps:

[0063] Step 201, in response to a payment request sent by the client, obtain the target string obtained by the client scanning the QR code of the payee in the payment request, and determine the payee identifier of the payee and the first regional identifier corresponding to the payee according to the target string.

[0064] Among them, the QR code of the payee is generated according to information such as the payee identifier of the payee and the regional identifier corresponding to the payee according to a certain coding rule. By identifying and parsing the QR code, information such as the payee identifier included in the QR code and the regional identifier corresponding to the payee can be obtained. The payee identifier has a unique corresponding relationship with the payee, and the first regional identifier is used to indicate the region where the payee is located (such as the country or region where the payee is located).

[0065] In implementation, the user can use the client to scan the QR code of the payee. The client can identify the QR code to obtain a target string. The target string contains the content information in the QR code, that is, information such as the payee identifier and the geographical identifier corresponding to the payee. Then, the client can send a payment request containing the target string to the server. The server can respond to the payment request and obtain the target string contained in the payment request. After that, the server can determine the payee identifier of the payee and the first geographical identifier corresponding to the payee according to the target string. For example, the server can use a preset parsing rule corresponding to the QR code encoding rule to parse the target string, and then obtain the payee identifier and the first geographical identifier corresponding to the payee.

[0066] Step 202: Send a query message containing the payee identifier to the target financial system corresponding to the first geographical identifier, so that the target financial system returns the target payment information corresponding to the payee identifier according to the query message.

[0067] In implementation, after the server determines the payee identifier and the first regional identifier corresponding to the payee, it can determine the target financial system corresponding to the first regional identifier in the pre-stored correspondence between the regional identifier and the financial system. The target financial system can be the preset financial system of the first region, such as the business system of the central bank, which is used to manage the payment information of the payees within the first region. For example, the target financial system can store the correspondence between the payee identifier and the payment information of the payees within the first region. The payment information can include the payee name, the payment account identifier (one payment account identifier corresponds uniquely to one payment account, and the payment account identifier can include the name of the opening bank of the payment account, the account name, and the payment account number), the payment methods supported by the payee (such as supporting payment methods like debit cards or credit cards), the address information of the payee, etc. Different financial systems have different requirements for query messages, and the correspondence between the financial system and the query message generation rules can be stored in advance. Then, the server can determine the target query message generation rule corresponding to the target financial system in the pre-stored correspondence between the financial system and the query message generation rules, and then generate a query message containing the payee identifier according to the target query message generation rule. After that, the server can send the query message to the target financial system corresponding to the first regional identifier, so that the target financial system returns the target payment information corresponding to the payee identifier according to the query message. The server can receive the target payment information sent by the target financial system. Optionally, the two-dimensional code of the payer can also include two-dimensional code validity period information. The server can execute the step of sending the query message containing the payee identifier to the target financial system corresponding to the first regional identifier when the time when the client sends the payment request is within the validity period of the two-dimensional code. If the time when the client sends the payment request is not within the validity period of the two-dimensional code, the server can send information indicating that the two-dimensional code has expired to the client.

[0068] Step 203: Send the target payment information to the client, and perform a deduction process on the payment account identifier in the payment confirmation request when receiving the payment confirmation request sent by the client.

[0069] In implementation, after receiving the target collection information returned by the target financial system, the server can send the target collection information to the client. The client can display the received target collection information to the user for the user to confirm the target collection information. At the same time, the client can provide operation controls such as payment amount input, payment currency selection, and payment account identification (a payment account identification corresponds uniquely to a payment account, and the payment account identification may include the name of the opening bank of the payment account, the account name, and the payment account number) selection or input, and payment password input corresponding to the payment account identification. After the user performs corresponding operations on the client, a payment confirmation request can be triggered. For example, the user can slide the confirmation key on the client to trigger the payment confirmation request. Then, the client can send the payment confirmation request containing information such as the payment account identification, the payment amount and payment currency, and the payment password to the server. After receiving the payment confirmation request, the server can verify the payment password and, in the case of successful verification, perform a deduction process on the payment account corresponding to the payment account identification. For example, the server can subtract a value corresponding to the payment amount and payment currency from the balance of the payment account. Optionally, the payment amount and payment currency information can also be included in the QR code of the payer, and the server can send the payment amount and payment currency information parsed from the QR code of the payer to the client for the client to display to the user for confirmation.

[0070] Step 204: Determine the target clearing system according to the first regional identifier and the second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send a remittance message corresponding to the payment request to the target clearing system to perform a remittance process on the payee through the target clearing system.

[0071] In implementation, after receiving a payment confirmation request, the server can determine the second regional identifier corresponding to the payment account identifier in the payment confirmation request. For example, the server can query the country or region where the opening bank is located based on the name of the opening bank in the payment account identifier, and then determine the regional identifier corresponding to that country or region as the second regional identifier. Then, after deducting the payment from the payment account corresponding to the payment account identifier, the server can determine the target clearing system based on the first regional identifier and the second regional identifier. For example, the server can use the business system of the central bank in the first region or the second region as the target clearing system, or select a cross-regional clearing system as the target clearing system, with the aim of selecting a suitable target clearing system to transmit the remittance message, enabling the payment account in the second region to remit funds smoothly to the receiving account of the payee in the first region. Then, the server can generate a remittance message corresponding to the current payment request and send the remittance message to the target clearing system to process the remittance to the payee through the target clearing system, completing the current payment. For example, based on the content information of the remittance message, the target clearing system can transmit the remittance information (including information such as the receiving account identifier and the payment amount) contained in the remittance message to the corresponding banking business system, and then through this banking business system, process the remittance to the payee based on the remittance information. Specifically, if the banking business system is the business system of the opening bank of the receiving account, the banking business system can directly process the remittance to the payee according to the remittance information. If the banking business system is the business system of an intermediate bank that has a clearing relationship with both the opening bank of the receiving account and the opening bank of the payment account, the business system of the intermediate bank can further transmit the remittance information to the business system of the opening bank of the receiving account, thereby completing the remittance process.

[0072] In the above mobile payment method, by scanning the QR code of the payee, the payee identifier and the first regional identifier corresponding to the payee are determined. Then, a query message is sent to the target financial system corresponding to the first regional identifier to obtain the target payment information corresponding to the payee identifier. Then, in the case of receiving a payment confirmation request, a deduction process is performed on the payment account corresponding to the payment account identifier in the payment confirmation request. Furthermore, according to the first regional identifier corresponding to the payee and the second regional identifier corresponding to the payment account identifier, the target clearing system is determined, and a remittance message is sent to the target clearing system, so as to perform a remittance process on the payee through the target clearing system to complete the payment. This method determines the payee identifier and the first regional identifier by scanning the QR code, and then sends a query message that meets the requirements of the target financial system to the target financial system corresponding to the first regional identifier, so as to successfully obtain the target payment information corresponding to the payee identifier, and determines the target clearing system according to the first regional identifier corresponding to the payee and the second regional identifier corresponding to the payment account identifier, so as to select an appropriate clearing system to transmit the remittance message, and then successfully perform a remittance process on the payer to ensure smooth payment. Therefore, this method can be unrestricted by regions. Whether the user is within or outside the country, the user can use a client such as a mobile banking APP to scan the QR code of the merchant (payee) for mobile payment. The applicable scenarios are more extensive, and the payment is real-time, fast, flexible, and convenient.

[0073] In one embodiment, the process of determining the payee identifier and the first regional identifier corresponding to the payee in step 201 specifically includes the following steps:

[0074] Parse the target string according to a preset parsing rule to determine the data parsing method corresponding to the target string; parse the target string according to the data parsing method to determine the payee identifier of the payee and the first regional identifier corresponding to the payee.

[0075] In practice, after the server obtains the target string included in the payment request, it can initially parse the target string according to a preset parsing rule to determine the data parsing method corresponding to the target string. For example, the preset parsing rule can be to obtain the field at a preset position and with a preset length in the target string to obtain the target field. Then, the server can determine the data parsing method corresponding to the target field in the pre-stored correspondence between the field and the data parsing method. After that, the server can further parse the target string according to the data parsing method to determine the payee identifier of the payee and the first regional identifier corresponding to the payee.

[0076] In another implementation, the server may adopt a preset parsing rule to initially parse the regional identifier corresponding to the field at a preset position and with a preset length in the target string. The server may determine the regional identifier corresponding to the field as the first regional identifier corresponding to the payee, and further determine the data parsing method corresponding to the regional identifier. Then, the server may further parse the target string according to the data parsing method to determine the payee identifier of the payee.

[0077] In this embodiment, the two-dimensional codes of payees in different regions may be generated using different encoding rules. Therefore, in this embodiment, by initially parsing the target string using a preset parsing rule to determine the data parsing method corresponding to the target string, and then further parsing the target string using the corresponding data parsing method, the payee identifier included in the two-dimensional code and the first regional identifier corresponding to the payee can be determined. Thus, it can be applicable to the scan code payment in different regions and improve the universality of the applicable scenarios.

[0078] In one embodiment, the process of determining the target clearing system in step 204 specifically includes the following steps:

[0079] Judge whether the first regional identifier is consistent with the second regional identifier corresponding to the payment account identifier in the payment confirmation request; in the case where the first regional identifier is consistent with the second regional identifier, determine the target financial system corresponding to the first regional identifier as the target clearing system; in the case where the first regional identifier is inconsistent with the second regional identifier, determine the preset cross-regional clearing system as the target clearing system.

[0080] In implementation, the server may judge whether the first regional identifier corresponding to the payee is consistent with the second regional identifier corresponding to the payment account identifier in the payment confirmation request. Then, in the case where the first regional identifier is consistent with the second regional identifier, the server may determine the target financial system corresponding to the first regional identifier as the target clearing system, and in the case where the first regional identifier is inconsistent with the second regional identifier, the server may determine the preset cross-regional clearing system as the target clearing system. The preset cross-regional clearing system may be the SWIFT system (Society for World-wide Interbank Financial Telecommunications), the Cross-border Interbank Payment System (CIPS), etc. In another implementation, multiple cross-regional clearing systems and a preset selection rule may be preset. The server may further determine the target clearing system from the preset multiple cross-regional clearing systems according to the first regional identifier, the second regional identifier, and the payment currency, in accordance with the preset selection rule.

[0081] In this embodiment, by determining whether the regional identifier of the payee is the same as that of the payment account, if they are the same, that is, the account locations of the payee and the payer are in the same region, so the local target financial system (generally the business system of the central bank) is selected as the target clearing system. If they are different, that is, the account locations of the payee and the payer are in different regions, so the preset cross-regional clearing system is selected as the target clearing system. In this way, it can be ensured that users can scan the QR code to make payments both within and outside the country, and the target clearing system used is an existing clearing system, avoiding the increased cost of building a new payment and clearing system.

[0082] In one embodiment, the target payment information includes the target payment account identifier, and the payment confirmation request further includes the payment amount. The method further includes the following steps:

[0083] Determine the target remittance message generation rule corresponding to the target clearing system; generate the remittance message corresponding to the payment request according to the target payment account identifier, the payment amount, and the target remittance message generation rule.

[0084] In implementation, since different clearing systems have different requirements for remittance messages, the clearing system and the remittance message generation rule can be stored correspondingly in advance. After the server determines the target clearing system, it can determine the target remittance message generation rule corresponding to the target clearing system in the pre-stored corresponding relationship between the clearing system and the remittance message generation rule. Then, the server can generate the remittance message corresponding to the current payment request according to the target payment account identifier (including the name of the opening bank of the payment account, the account name, and the payment account number) in the target payment information and the payment amount in the payment confirmation request, etc., according to the target remittance message generation rule. After receiving the remittance message, the target clearing system can identify and parse the remittance message, and then based on the content information of the remittance message, transfer the remittance information (including the payment account identifier and the payment amount, etc.) contained in the remittance message to the corresponding banking business system, so that the banking business system can make a remittance to the payment account based on the remittance information.

[0085] In this embodiment, by generating a remittance message that meets the requirements of the target clearing system according to the remittance message generation rule corresponding to the target clearing system, it is convenient for the target clearing system to successfully identify and parse the remittance message, and then successfully complete the remittance and payment.

[0086] In one embodiment, the process of performing the deduction process when receiving the payment confirmation request sent by the client in step 203 specifically includes the following steps:

[0087] In the case of receiving a first payment confirmation request sent by the client, obtain the payment amount in the first payment confirmation request, and determine whether the payment amount is greater than a preset threshold; in the case where the payment amount is greater than the preset threshold, send a signature verification instruction to the client, so that the client returns a second payment confirmation request containing signature verification information according to the signature verification instruction; determine whether the signature verification information is consistent with the pre-stored signature verification information, and if it is consistent, perform a deduction process on the payment account identifier in the second payment confirmation request.

[0088] In implementation, the client can provide operation controls such as payment amount input, payment currency selection, and payment account identifier selection or input. After the user performs corresponding operations on the client, the first payment confirmation request can be triggered, causing the client to send a first payment confirmation request containing the payment amount, payment currency, and payment account identifier to the server. Then, the server can obtain the payment amount in the first payment confirmation request and determine whether the payment amount is greater than a preset threshold. The preset threshold can be a pre-stored and user-set threshold. If the payment amount is greater than the preset threshold, the server can send a signature verification instruction to the client. After receiving the signature verification instruction, the client can display a signature verification box, allowing the user to re-confirm information such as the target recipient information, payment amount, payment currency, and payment account identifier, and then enter the signature verification information in the signature verification box. Subsequently, the client can send a second payment confirmation request containing the signature verification information, payment amount, payment currency, and payment account identifier to the server. Then, the server can determine whether the signature verification information in the second payment confirmation request is consistent with the pre-stored and user-set signature verification information. If it is consistent, the server can perform a deduction process on the payment account corresponding to the payment account identifier in the second payment confirmation request. If it is inconsistent, the server can return a signature verification failure message.

[0089] If the payment amount is less than or equal to the preset threshold, the server can directly perform a deduction process on the payment account corresponding to the payment account identifier according to the first payment confirmation request. The server can also further send a payment confirmation instruction to the client, so that the client, according to the payment confirmation instruction, allows the user to re-confirm information such as the target recipient information, payment amount, payment currency, and payment account identifier, and then triggers a third payment confirmation request. The server can perform a deduction process on the payment account corresponding to the payment account identifier in the third payment confirmation request according to the third payment confirmation request.

[0090] In another implementation, the preset threshold may include a first preset threshold and a second preset threshold. The first preset threshold corresponds to the single payment threshold, and the second preset threshold corresponds to the daily cumulative payment threshold. The client can send the user identity information triggering the payment request to the server. Then, the server can count the daily cumulative payment amount corresponding to the user identity information, and then respectively determine whether the payment amount is greater than the first preset threshold and whether the daily cumulative payment amount is greater than the second preset threshold. Then, when the payment amount is greater than the first preset threshold or the daily cumulative payment amount is greater than the second preset threshold, the server can send a signature verification instruction to the client.

[0091] It can be understood that in this embodiment, the server is taken as an example to determine whether the payment amount is greater than the preset threshold and to verify the signature verification information. In other implementations, the client can also determine whether the payment amount is greater than the preset threshold and verify the signature verification information, and when the payment amount is less than or equal to the preset threshold, or when the signature verification is passed (that is, the signature verification information input by the user is consistent with the pre-stored signature verification information), send a payment confirmation request to the server.

[0092] In this embodiment, by setting the preset threshold for payment and comparing the payment amount with the preset threshold, if it is greater than the preset threshold, the user is required to input signature verification information for further verification, and when the verification is passed, the deduction process is carried out. If it is less than or equal to the preset threshold, the deduction process can be directly carried out. Thus, both payment convenience and payment security can be taken into account.

[0093] In one embodiment, the method further includes the following steps:

[0094] Query whether the receipt information sent by the target clearing system is received at preset time intervals; when the receipt information is received, send a first payment result to the client according to the receipt information; the first payment result indicates that the payment is successful or failed; when the receipt information is not received, send a second payment result to the client; the second payment result indicates that the bank is processing.

[0095] In implementation, after the server sends a remittance message to the target clearing system, it can query at preset time intervals whether it has received the receipt information sent by the target clearing system. The preset time intervals can be 1 minute, 3 minutes, 5 minutes, etc. Then, when the server receives the receipt information, it can determine whether the payment is successful or failed according to the content information of the receipt information, and then send a payment result indicating success or failure of the payment (i.e., the first payment result) to the client, and stop executing the step of querying the receipt information at preset time intervals. Also, when the server does not receive the receipt information, it can send a payment result indicating that the bank is processing (i.e., the second payment result) to the client, and continue to execute the step of querying the receipt information at preset time intervals. The client can display a payment success interface, a payment failure interface, or an interface indicating that the bank is processing according to the received payment result, so that the user can understand the payment status in real time.

[0096] In this embodiment, the receipt information returned by the target clearing system can be queried at preset time intervals. If the receipt information is received, an interface indicating payment success or failure is displayed to the user. If the receipt information is not received, an interface indicating that the bank is processing is displayed to the user, and the receipt information is continuously queried at preset time intervals to update the payment result in a timely manner. Thus, it is convenient for the user to understand the payment status in real time.

[0097] In a specific example, as Figure 3 shown, an example of a mobile payment method is provided. In this example, the regions where the accounts of the payee and the payer are located are different, that is, cross-border payment, and the preset cross-border clearing system is the swift system. The method specifically includes the following steps:

[0098] Step 301, the client scans the QR code of the payee to obtain a target string.

[0099] Step 302, the client sends a payment request including the target string to the server.

[0100] Step 303, the server parses the target string to obtain the payee identifier and the first regional identifier corresponding to the payee.

[0101] Step 304, the server sends a query message including the payee identifier to the target financial system corresponding to the first regional identifier.

[0102] Step 305, the target financial system determines the target payee information corresponding to the payee identifier according to the query message, and sends the target payee information to the server.

[0103] Step 306, the server sends the target payee information to the client.

[0104] In this example, the target collection information includes the swiftcode corresponding to the collection account identifier, that is, the swiftcode of the opening bank where the collection account is located.

[0105] Step 307, the client displays the target collection information, determines the payment account identifier, payment currency selected by the user, obtains the payment amount input by the user, and sends a first payment confirmation request including the payment amount, payment currency, and payment account identifier to the server.

[0106] Step 308, the server determines whether the payment amount is greater than the preset threshold, and in the case where the payment amount is greater than the preset threshold, sends a signature verification instruction to the client.

[0107] Step 309, the client displays a signature verification box according to the signature verification instruction, obtains the signature verification information input by the user, and sends a second payment confirmation request including the signature verification information, payment amount, payment currency, and payment account identifier to the server.

[0108] Step 310, the server determines whether the signature verification information is consistent with the pre-stored signature verification information, and in the case of consistency, performs a deduction process on the payment account identifier in the second payment confirmation request.

[0109] Step 311, in the case where the first regional identifier corresponding to the payee is inconsistent with the second regional identifier corresponding to the payment account identifier in the second payment confirmation request, the server determines the preset cross-border clearing system (the swift system in this example) as the target clearing system, generates a remittance message corresponding to the payment request according to the target collection account identifier, the corresponding swiftcode, the payment amount, and the swift message generation rule, and sends the remittance message to the target clearing system.

[0110] Step 312, the target clearing system transfers the remittance information included in the remittance message to the corresponding banking business system (the business system of the opening bank of the collection account in this example) based on the content information of the remittance message, enables the banking business system to perform a remittance process on the payee based on the remittance information, then receives the receipt information including the remittance processing result returned by the banking business system, and sends the receipt information to the server.

[0111] Step 313, the server sends the payment result to the client according to the receipt information.

[0112] It should be understood that although the steps in the flowcharts involved in the above-described embodiments are sequentially shown according to the arrows, these steps are not necessarily executed sequentially in the order indicated by the arrows. Unless there is a clear indication in this article, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-described embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily executed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be executed alternately or in turn with at least a part of other steps or steps or stages in other steps.

[0113] Based on the same inventive concept, an embodiment of the present application also provides a mobile payment system for implementing the above-mentioned mobile payment method. The solution provided by this system to solve the problem is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the mobile payment system provided below can refer to the limitations on the mobile payment method in the above text, and will not be repeated here.

[0114] In one embodiment, a mobile payment system is provided, including a client and a server, where:

[0115] The client is used to scan the QR code of the payee to obtain a target string, and send a payment request including the target string to the server.

[0116] The server is used to obtain the target string in the payment request, and determine the payee identifier of the payee and the first regional identifier corresponding to the payee according to the target string; send a query message including the payee identifier to the target financial system corresponding to the first regional identifier, so that the target financial system returns the target payment information corresponding to the payee identifier according to the query message; send the target payment information to the client.

[0117] The client is further used to send a payment confirmation request to the server.

[0118] The server is further used to deduct the payment account identifier in the payment confirmation request; determine the target clearing system according to the first regional identifier and the second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send a remittance message corresponding to the payment request to the target clearing system, so as to remit money to the payee through the target clearing system.

[0119] Based on the same inventive concept, an embodiment of the present application further provides a mobile payment device for implementing the mobile payment method involved above. The solution provided by this device for solving problems is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the mobile payment device provided below can refer to the limitations on the mobile payment method in the above text, and will not be elaborated here.

[0120] In one embodiment, as Figure 4 shown, a mobile payment device 400 is provided, including: a first determination module 401, a first sending module 402, a deduction module 403, and a second sending module 404, where:

[0121] The first determination module 401 is configured to, in response to a payment request sent by a client, obtain a target string obtained by the client scanning a QR code of a payee, and determine a payee identifier of the payee and a first regional identifier corresponding to the payee according to the target string.

[0122] The first sending module 402 is configured to send a query message including the payee identifier to a target financial system corresponding to the first regional identifier, so that the target financial system returns target payment information corresponding to the payee identifier according to the query message.

[0123] The deduction module 403 is configured to send the target payment information to the client, and perform a deduction process on the payment account identifier in the payment confirmation request when receiving the payment confirmation request sent by the client.

[0124] The second sending module 404 is configured to determine a target clearing system according to the first regional identifier and a second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send a remittance message corresponding to the payment request to the target clearing system to perform a remittance process on the payee through the target clearing system.

[0125] In one embodiment, the first determination module 401 is specifically configured to:

[0126] Parse the target string according to a preset parsing rule to determine the data parsing method corresponding to the target string; parse the target string according to the data parsing method to determine the payee identifier of the payee and the first regional identifier corresponding to the payee.

[0127] In one embodiment, the second sending module 404 is specifically configured to:

[0128] Determine whether the first regional identifier is consistent with the second regional identifier corresponding to the payment account identifier in the payment confirmation request; in the case where the first regional identifier is consistent with the second regional identifier, determine the target financial system corresponding to the first regional identifier as the target clearing system; in the case where the first regional identifier is inconsistent with the second regional identifier, determine the preset cross-regional clearing system as the target clearing system.

[0129] In one embodiment, the target collection information includes a target collection account identifier, and the payment confirmation request further includes a payment amount. The apparatus further includes a second determination module and a generation module, where:

[0130] The second determination module is configured to determine the target remittance message generation rule corresponding to the target clearing system.

[0131] The generation module is configured to generate a remittance message corresponding to the payment request according to the target collection account identifier, the payment amount, and the target remittance message generation rule.

[0132] In one embodiment, the deduction module 403 is specifically configured to:

[0133] In the case of receiving a first payment confirmation request sent by the client, obtain the payment amount in the first payment confirmation request, and determine whether the payment amount is greater than a preset threshold; in the case where the payment amount is greater than the preset threshold, send a signature verification instruction to the client, so that the client returns a second payment confirmation request including signature verification information according to the signature verification instruction; determine whether the signature verification information is consistent with the pre-stored signature verification information, and if so, perform a deduction process on the payment account identifier in the second payment confirmation request.

[0134] In one embodiment, the apparatus further includes a query module, a third sending module, and a fourth sending module, where:

[0135] The query module is configured to query at preset time intervals whether receipt information sent by the target clearing system is received.

[0136] The third sending module is configured to, in the case of receiving the receipt information, send a first payment result to the client according to the receipt information; the first payment result indicates that the payment is successful or failed.

[0137] The fourth sending module is configured to, in the case of not receiving the receipt information, send a second payment result to the client; the second payment result indicates that the bank is processing.

[0138] Each module in the above mobile payment device can be implemented in whole or in part by software, hardware, or a combination thereof. Each of the above modules can be embedded in the processor of a computer device in hardware form or be independent of it, or can be stored in the memory of the computer device in software form so that the processor can call and execute the operations corresponding to each of the above modules.

[0139] In one embodiment, a computer device is provided. The computer device can be a server, and its internal structure diagram can be as Figure 5 shown. The computer device includes a processor, a memory, and a network interface connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store the data required for or generated by executing the above mobile payment method. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, it implements a mobile payment method.

[0140] Those skilled in the art can understand that Figure 5 the structure shown in

[0141] is only a block diagram of some structures related to the solution of this application, and does not constitute a limitation on the computer device to which the solution of this application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have different component arrangements.

[0142] In one embodiment, a computer device is provided, including a memory and a processor. A computer program is stored in the memory, and when the processor executes the computer program, it implements the steps in the above method embodiments.

[0143] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by the processor, it implements the steps in the above method embodiments.

[0144] The mobile payment method, device, system, computer device, storage medium, and computer program product provided by this application relate to the field of information security technology, can be used in the financial field, and can also be used in any field other than the financial field. This application does not limit the application fields of the mobile payment method, device, system, computer device, storage medium, and computer program product.

[0145] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in this application are all information and data that have been authorized by the user or fully authorized by all parties.

[0146] Those of ordinary skill in the art can understand that all or part of the processes of implementing the methods in the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to a memory, database, or other medium used in the various embodiments provided in this application can include at least one of non-volatile and volatile memories. Non-volatile memory can include Read-Only Memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The databases involved in the various embodiments provided in this application can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., and are not limited thereto. The processors involved in the various embodiments provided in this application can be general-purpose processors, central processors, graphics processors, digital signal processors, programmable logic devices, data processing logics based on quantum computing, etc., and are not limited thereto.

[0147] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as within the scope described in this specification.

[0148] The above-described embodiments merely represent several implementation manners of the present application. The description thereof is relatively specific and detailed, but it should not be construed as a limitation to the patent scope of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all fall within the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.

Claims

1. A mobile payment method, characterized in that, The method includes: In response to a payment request sent by a client, obtaining a target string in the payment request that the client obtains by scanning a QR code of a payee, and determining a payee identifier of the payee and a first regional identifier corresponding to the payee according to the target string; Sending a query message containing the payee identifier to a target financial system corresponding to the first regional identifier, so that the target financial system returns target payment information corresponding to the payee identifier according to the query message; Sending the target payment information to the client, and in the case of receiving a payment confirmation request sent by the client, performing a deduction process on the payment account identifier in the payment confirmation request, wherein it is judged whether a second payment confirmation request needs to be received according to the payment amount in the first payment confirmation request, and a deduction process is performed according to the payment account identifier in the second payment confirmation request; Determining a target clearing system according to a method of judging whether the first regional identifier and a second regional identifier corresponding to the payment account identifier in the payment confirmation request are consistent, and sending a remittance message corresponding to the payment request to the target clearing system, so as to perform a remittance process on the payee through the target clearing system; The determining the payee identifier of the payee and the first regional identifier corresponding to the payee according to the target string includes: parsing the target string according to a preset parsing rule to determine a data parsing method corresponding to the target string; parsing the target string according to the data parsing method to determine the payee identifier of the payee and the first regional identifier corresponding to the payee.

2. The method according to claim 1, wherein The determining the target clearing system according to the first regional identifier and a second regional identifier corresponding to the payment account identifier in the payment confirmation request includes: Judging whether the first regional identifier is consistent with the second regional identifier corresponding to the payment account identifier in the payment confirmation request; In the case where the first regional identifier is consistent with the second regional identifier, determining the target financial system corresponding to the first regional identifier as the target clearing system; In the case where the first regional identifier is not consistent with the second regional identifier, determining a preset cross-regional clearing system as the target clearing system.

3. The method according to claim 1, wherein The target payment information includes a target payment account identifier, and the payment confirmation request further includes a payment amount; the method further includes: Determining a target remittance message generation rule corresponding to the target clearing system; Generating a remittance message corresponding to the payment request according to the target payment account identifier, the payment amount, and the target remittance message generation rule.

4. The method according to claim 1, characterized in that, The performing a deduction process on the payment account identifier in the payment confirmation request in the case of receiving a payment confirmation request sent by the client includes: In the case of receiving a first payment confirmation request sent by the client, obtaining the payment amount in the first payment confirmation request, and judging whether the payment amount is greater than a preset threshold; When the payment amount is greater than the preset threshold, send a signature verification instruction to the client, so that the client returns a second payment confirmation request containing signature verification information according to the signature verification instruction; Judge whether the signature verification information is consistent with the pre-stored signature verification information. If they are consistent, perform a deduction process on the payment account identifier in the second payment confirmation request.

5. The method according to claim 1, wherein The method further includes: Query at preset time intervals whether the receipt information sent by the target clearing system is received; When the receipt information is received, send a first payment result to the client according to the receipt information; the first payment result indicates that the payment is successful or the payment fails; When the receipt information is not received, send a second payment result to the client; the second payment result indicates that the bank is processing.

6. A mobile payment system, characterized in that, The mobile payment system includes a client and a server, where: The client is used to scan the QR code of the payee to obtain a target string, and send a payment request containing the target string to the server; The server is used to obtain the target string in the payment request, and determine the payee identifier of the payee and the first regional identifier corresponding to the payee according to the target string; send a query message containing the payee identifier to the target financial system corresponding to the first regional identifier, so that the target financial system returns the target receipt information corresponding to the payee identifier according to the query message; send the target receipt information to the client; The client is further used to send a payment confirmation request to the server; The server is further used to perform a deduction process on the payment account identifier in the payment confirmation request; determine the target clearing system by judging whether the first regional identifier and the second regional identifier corresponding to the payment account identifier in the payment confirmation request are consistent, and send the remittance message corresponding to the payment request to the target clearing system, so as to perform a remittance process on the payee through the target clearing system, where it is judged whether a second payment confirmation request needs to be received according to the payment amount in the first payment confirmation request, and a deduction process is performed according to the payment account identifier in the second payment confirmation request; The determining the payee identifier of the payee and the first regional identifier corresponding to the payee according to the target string includes: parsing the target string according to a preset parsing rule to determine the data parsing method corresponding to the target string; parsing the target string according to the data parsing method to determine the payee identifier of the payee and the first regional identifier corresponding to the payee.

7. A mobile payment device, characterized in that, The device includes: The first determination module is used to, in response to the payment request sent by the client, obtain the target string obtained by the client scanning the QR code of the payee in the payment request, and determine the payee identifier of the payee and the first regional identifier corresponding to the payee according to the target string; A first sending module, configured to send a query message including the payee identifier to a target financial system corresponding to the first regional identifier, so that the target financial system returns target payee information corresponding to the payee identifier according to the query message; A deduction module, configured to send the target payee information to the client, and perform a deduction process on the payment account identifier in the payment confirmation request when receiving the payment confirmation request sent by the client, wherein it is determined whether a second payment confirmation request needs to be received according to the payment amount in the first payment confirmation request, and a deduction process is performed according to the payment account identifier in the second payment confirmation request; A second sending module, configured to determine a target clearing system by determining whether the first regional identifier is consistent with a second regional identifier corresponding to the payment account identifier in the payment confirmation request, and send a remittance message corresponding to the payment request to the target clearing system, so as to perform a remittance process on the payee through the target clearing system; The first determination module further includes: parsing the target string according to a preset parsing rule to determine a data parsing method corresponding to the target string; parsing the target string according to the data parsing method to determine the payee identifier of the payee and the first regional identifier corresponding to the payee.

8. A computer device, comprising a memory and a processor, the memory storing a computer program, characterized in that, When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

10. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

Images