Fund Transaction Confirmation Method and Device, Mobile Payment System, Equipment and Medium

Abstract

The present disclosure provides a method and apparatus for confirming a fund transaction for mobile payment, which relates to the field of information security and can be applied to the financial field. The method can be applied to a customer terminal and includes: receiving a payment operation for making a payment to a merchant; receiving deduction information returned by an acquirer for the payment operation, wherein, in the case where the acquirer successfully deducts the payment, the deduction information includes transaction record information and encrypted information of the merchant; encrypting the transaction record information by using the encrypted information of the merchant to generate an encrypted payment voucher; and transmitting the encrypted payment voucher to the merchant terminal through short-range wireless communication; wherein, the merchant terminal decrypts the encrypted payment voucher by using pre-configured decryption information to verify the transaction record information, and confirms that the customer's payment is successful in the case where the verification passes. The present disclosure also provides a mobile payment system, an electronic device, a storage medium, and a program product.

Description

Technical Field

[0001] The present disclosure relates to the field of information security and can be used in the financial field. More specifically, it relates to a method and device for confirming fund transactions in mobile payment, a mobile payment system, an electronic device, a storage medium, and a program product. Background Art

[0002] With the popularization of mobile payment, cash payment has gradually withdrawn from the payment scenarios of daily consumption. In mobile payment, it is usually necessary for the acquiring institution to deduct funds from the customer's account and then transfer the deducted funds to the merchant's account. After the acquiring institution successfully credits the merchant's account, it will send a merchant receipt notice to the merchant. This notice is one of the commonly used bases for the merchant to confirm whether the payment has been received. However, the merchant receipt notice needs to wait for the acquiring institution to perform back-office accounting processing and then be sent to the merchant through the Internet or other access methods. Therefore, the sending timeliness of the merchant receipt notice depends on the processing efficiency of the acquiring institution and the network connectivity.

[0003] If the deduction from the customer's account is successful, but the accounting processing between the acquiring institution and the merchant's account is too slow or there are network problems, there will be a situation where the credit to the merchant's account is delayed or unsuccessful. In this way, there will be a phenomenon that the customer has paid successfully, but the merchant cannot confirm the transaction receipt for a long time, which will greatly affect the customer experience. Summary of the Invention

[0004] In view of the above problems, the present disclosure provides a method and device for confirming fund transactions in mobile payment, a mobile payment system, an electronic device, a storage medium, and a program product.

[0005] In the first aspect of the embodiments of the present disclosure, a method for confirming fund transactions in mobile payment is provided, which is applied to a customer terminal. The method includes: receiving a payment operation for paying a merchant; receiving deduction information returned by the acquiring institution for the payment operation, where, in the case where the acquiring institution successfully deducts the funds, the deduction information includes transaction record information and the encrypted information of the merchant; encrypting the transaction record information using the encrypted information of the merchant to generate an encrypted payment voucher; and transmitting the encrypted payment voucher to the merchant terminal through short-range wireless communication; where the merchant terminal decrypts the encrypted payment voucher using pre-configured decryption information to verify the transaction record information, and confirms that the customer's payment is successful in the case of successful verification.

[0006] According to an embodiment of the present disclosure, the encrypted information of the merchant includes the private key of the merchant, wherein the public key of the merchant paired with the private key of the merchant is configured in the merchant terminal. Then, encrypting the transaction record information by using the encrypted information of the merchant to generate an encrypted payment voucher includes: encrypting and signing the transaction record information by using the private key of the merchant to generate the encrypted payment voucher; wherein, the merchant terminal verifies the signature in the encrypted payment voucher by using the public key of the merchant configured therein.

[0007] According to an embodiment of the present disclosure, the short-range wireless communication includes at least one of the following: Bluetooth, near-field communication, wireless local area network communication, or image scanning.

[0008] In a second aspect of the embodiments of the present disclosure, a method for confirming a fund transaction for mobile payment is provided, which is applied to a merchant terminal. The method includes: receiving, through short-range wireless communication, an encrypted payment voucher transmitted by a customer terminal, where the encrypted payment voucher is generated by encrypting transaction record information by using the encrypted information of the merchant; decrypting the encrypted payment voucher by using pre-configured decryption information to verify the transaction record information; and confirming that the customer's payment is successful in the case of successful verification.

[0009] According to an embodiment of the present disclosure, the method further includes: in the case that the encrypted information of the merchant is the private key of the merchant, pre-configuring, in the merchant terminal, the public key of the merchant paired with the private key of the merchant. Decrypting the encrypted payment voucher by using pre-configured decryption information to verify the transaction record information includes: verifying the signature in the encrypted payment voucher by using the public key of the merchant.

[0010] According to an embodiment of the present disclosure, the encrypted payment voucher is in the form of a message, and receiving, through short-range wireless communication, the encrypted payment voucher transmitted by the customer terminal includes: receiving the encrypted payment voucher through one of Bluetooth, near-field communication, or wireless local area network communication.

[0011] According to an embodiment of the present disclosure, the encrypted payment voucher is in an image format, and receiving, through short-range wireless communication, the encrypted payment voucher transmitted by the customer terminal includes: scanning an image of the encrypted payment voucher displayed in the customer terminal.

[0012] In a third aspect of the embodiments of the present disclosure, a method for confirming a fund transaction for mobile payment is provided. The method includes: a customer terminal receiving a payment operation for paying a merchant; an acquiring institution processing the payment transaction corresponding to the payment operation and then feeding back deduction information to the customer terminal, where, when the acquiring institution successfully deducts the funds, the deduction information includes transaction record information and encrypted information of the merchant; the customer terminal encrypting the transaction record information by using the encrypted information of the merchant to generate an encrypted payment voucher; based on a user operation, the customer terminal transmitting the encrypted payment voucher to a merchant terminal through short-range wireless communication; the merchant terminal decrypting the encrypted payment voucher by using pre-configured decryption information to verify the transaction record information; and the merchant terminal confirming that the customer's payment is successful when the verification is passed.

[0013] In a fourth aspect of the embodiments of the present disclosure, a device for confirming a fund transaction for mobile payment is provided, which is disposed in a customer terminal. The device includes a payment module, a message receiving module, a voucher generating module, and a voucher transmitting module. The payment module is configured to receive a payment operation for paying a merchant. The message receiving module is configured to receive deduction information returned by an acquiring institution for the payment operation, where, when the acquiring institution successfully deducts the funds, the deduction information includes transaction record information and encrypted information of the merchant. The voucher generating module is configured to encrypt the transaction record information by using the encrypted information of the merchant to generate an encrypted payment voucher. The voucher transmitting module is configured to transmit the encrypted payment voucher to a merchant terminal through short-range wireless communication; where the merchant terminal decrypts the encrypted payment voucher by using pre-configured decryption information to verify the transaction record information, and confirms that the customer's payment is successful when the verification is passed.

[0014] In a fifth aspect of the embodiments of the present disclosure, a device for confirming a fund transaction for mobile payment is provided, which is disposed in a merchant terminal. The device includes a voucher receiving module, a verification module, and a confirmation module. The voucher receiving module is configured to receive, through short-range wireless communication, an encrypted payment voucher transmitted by a customer terminal, where the encrypted payment voucher is generated by encrypting transaction record information by using encrypted information of the merchant. The verification module is configured to decrypt the encrypted payment voucher by using pre-configured decryption information to verify the transaction record information. The confirmation module is configured to confirm that the customer's payment is successful when the verification is passed.

[0015] According to an embodiment of the present disclosure, the device further includes a configuration module. The configuration module is configured to, when the encrypted information of the merchant is the private key of the merchant, pre-configure, in the merchant terminal, the public key of the merchant that is paired with the private key of the merchant. The verification module is configured to verify the signature in the encrypted payment voucher by using the public key of the merchant.

[0016] In a sixth aspect of the embodiments of the present disclosure, a mobile payment system is provided, which includes a customer terminal, an acquiring institution, and a merchant terminal. Among them, the acquiring institution is configured to: process a payment transaction for making a payment to the merchant initiated by the customer terminal or the merchant terminal; and feedback the deduction information of the payment transaction to the customer terminal. Wherein, when the acquiring institution successfully deducts the payment, the deduction information includes transaction record information and encrypted information of the merchant. The customer terminal is configured to: receive a payment operation for making a payment to the merchant; receive the deduction information returned by the acquiring institution for the payment operation; encrypt the transaction record information with the encrypted information of the merchant to generate an encrypted payment voucher; and transmit the encrypted payment voucher to the merchant terminal through short-range wireless communication. The merchant terminal is configured to: receive the encrypted payment voucher through the short-range wireless communication; decrypt the encrypted payment voucher with pre-configured decryption information to verify the transaction record information; and confirm the successful payment of the customer when the verification passes.

[0017] In a seventh aspect of the embodiments of the present disclosure, an electronic device is provided. The electronic device includes one or more processors and one or more memories. The memory is used to store one or more programs. Wherein, when the one or more programs are executed by the one or more processors, the one or more processors are caused to execute the method for confirming a fund transaction for mobile payment provided in the first aspect to the third aspect above.

[0018] In an eighth aspect of the embodiments of the present disclosure, a computer-readable storage medium is further provided, on which executable instructions are stored. When the instructions are executed by a processor, the processor is caused to execute the confirmation of the fund transaction for mobile payment provided in the first aspect to the third aspect above.

[0019] In a ninth aspect of the embodiments of the present disclosure, a computer program product is further provided, including a computer program, which when executed by a processor, implements the confirmation of the fund transaction for mobile payment provided in the first aspect to the third aspect above.

[0020] According to the embodiments of the present disclosure, after encrypting the transaction record information of a successful deduction from the customer account, it is sent to the merchant terminal through short-range transmission communication. After the merchant terminal decrypts and verifies it and passes, it confirms that the customer has successfully made a payment. In this way, through the encryption and decryption mechanism and short-range wireless communication, the merchant can timely confirm the payment situation of the customer even if the merchant fails to receive a merchant receipt notice, improving the customer's consumption experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, the above content and other objectives, features, and advantages of the present disclosure will become clearer. In the drawings:

[0022] Figure 1 Schematically shows the system architecture of a mobile payment system according to an embodiment of the present disclosure;

[0023] Figure 2 Schematically shows the block diagram of a fund transaction confirmation device for mobile payment provided in a customer terminal according to an embodiment of the present disclosure;

[0024] Figure 3 Schematically shows the flowchart of a fund transaction confirmation method for mobile payment applied to a customer terminal according to an embodiment of the present disclosure;

[0025] Figure 4 Schematically shows the block diagram of a fund transaction confirmation device for mobile payment provided in a merchant terminal according to an embodiment of the present disclosure;

[0026] Figure 5 Schematically shows the flowchart of a fund transaction confirmation method for mobile payment applied to a merchant terminal according to an embodiment of the present disclosure;

[0027] Figure 6 Schematically shows the flowchart of a fund transaction confirmation method for mobile payment according to another embodiment of the present disclosure; and

[0028] Figure 7 Schematically shows the block diagram of an electronic device suitable for implementing the fund transaction confirmation method for mobile payment according to an embodiment of the present disclosure. Detailed implementation manners

[0029] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are merely exemplary and are not intended to limit the scope of the present disclosure. In the following detailed description, for the sake of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is obvious that one or more embodiments can also be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessarily confusing the concepts of the present disclosure.

[0030] The terms used herein are merely for describing specific embodiments and are not intended to limit the present disclosure. The terms "including", "comprising", etc. used herein indicate the presence of the described features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0031] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0032] In the case of using expressions such as "at least one of A, B, and C", generally, it should be interpreted according to the meaning commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include, but not be limited to, a system having only A, only B, only C, having A and B, having A and C, having B and C, and / or having A, B, and C, etc.).

[0033] Figure 1 The system architecture of a mobile payment system 100 according to an embodiment of the present disclosure is schematically shown.

[0034] As Figure 1 shown, the mobile payment system 100 may include a customer terminal 101, a merchant terminal 102, an acquirer 103, and a network 104. The customer terminal 101 and the merchant terminal 102 are respectively communicatively connected to the acquirer 103 through the network 104. The customer terminal 101 and the merchant terminal 102 may also be communicatively connected through short-range wireless communication 105. Among them, the communication coverage of the network 104 is greater than that of the short-range wireless communication 105. For example, the network 104 is a wide area network such as the Internet, and the short-range wireless communication 105 may be a local area network, WIFI, or Bluetooth, near field communication NFC, optical communication, image scanning, etc.

[0035] A payment application client may be installed in the customer terminal 101. The customer may register or bind his or her bank account in the payment application client to make payments through the bank account.

[0036] A cashier application client may be installed in the merchant terminal 102. The merchant may register or bind his or her bank account in the merchant terminal 102 to receive payments through the bank account. The merchant terminal 102 may also be configured with input devices such as a barcode scanner, a camera, etc. For example, the merchant terminal 102 may scan the payment code displayed in the customer terminal 101 through the barcode scanner or the camera to receive payments.

[0037] The acquirer 103 may be a server or a server cluster that provides background accounting processing services to the cashier application client in the merchant terminal 102.

[0038] When a customer makes a purchase at a merchant, the customer terminal 101 can scan the payment code in the merchant terminal 102 to initiate a payment transaction for paying the merchant, or the merchant terminal 102 can scan the payment code in the customer terminal 101 through the cashier application therein to initiate a payment transaction for receiving payment.

[0039] Then, the acquiring institution 103 processes the back-office accounting operations such as customer deduction and merchant account credit for this payment transaction in sequence. The acquiring institution 103 first deducts funds from the customer's account, and then when the deduction is successful, the acquiring institution 103 will process the credit to the merchant's account. At the same time, the acquiring institution 103 will feedback the deduction information to the customer terminal 101 according to the deduction result, and feedback the merchant receipt notice to the merchant terminal 102 according to the credit result.

[0040] When the acquiring institution 103 processes slowly or there are network problems, the merchant receipt notice may be delayed or unsuccessful. In this case, there will be a situation where the customer's payment is successful, but the merchant receives the notice message too slowly. At this time, in the related technology, either rely on the acquiring institution 103 to repeatedly notify or the merchant to actively query to solve, or the acquiring institution 103 will return the customer's deduction to the original path and let the customer make a new payment. However, these solutions also depend on the smoothness of the network environment and will greatly affect the customer experience.

[0041] Therefore, according to an embodiment of the present disclosure, the mobile payment system 100 can carry the encrypted information of the merchant in the deduction information returned to the customer terminal 101 after the acquiring institution 103 completes the deduction processing and the deduction is successful. In this way, the customer terminal 101 can encrypt the transaction record information in the deduction information through the encrypted information to generate an encrypted payment voucher. Then, the customer terminal 101 can transmit the encrypted payment voucher to the merchant terminal 102 through short-range wireless communication 105. Among them, the merchant terminal 102 can be pre-set with the decryption information of the merchant, and verify the authenticity of the transaction record information through the decryption of the encrypted payment voucher by the merchant terminal 103. In this way, even if there is a delay in the network 104 or a delay in the acquiring institution 103 processing the credit, the merchant can still confirm the customer's successful payment in time. Thus, it is possible to avoid the problem that the transaction cannot be confirmed due to the customer's successful payment while the merchant notice is not sent in time.

[0042] It should be noted that the method and device for confirming fund transactions for mobile payment determined in the embodiments of the present disclosure can be used in the financial field, and can also be used in any field other than the financial field (for example, logistics, transportation, medical care, education, etc.). The present disclosure does not limit the application field.

[0043] It should be understood that Figure 1 the types and numbers of the terminals, networks and servers in

[0044] The following combines Figure 1 with the mobile payment system 100 to Figures 2 to 6 detail the fund transaction confirmation device and method for mobile payment in various embodiments of the present disclosure.

[0045] Figure 2 A block diagram of a fund transaction confirmation device 200 for mobile payment provided on a customer terminal 101 according to an embodiment of the present disclosure is schematically shown.

[0046] As Figure 2 shown, the device 200 may include a payment module 210, a message receiving module 220, a voucher generating module 230, and a voucher transmitting module 240.

[0047] The device 200 may be provided on the customer terminal 101 and is used to execute a fund transaction confirmation method for mobile payment applied to the customer terminal according to an embodiment of the present disclosure, specifically as Figure 3 shown. Correspondingly, the functions of each module in the device 200 may refer to the detailed description below Figure 3 herein.

[0048] Figure 3 A flowchart of a fund transaction confirmation method for mobile payment applied to a customer terminal according to an embodiment of the present disclosure is schematically shown.

[0049] As Figure 3 shown, the fund transaction confirmation method may be applied to the customer terminal 101 and may include operations S301 to S304.

[0050] In operation S301, the payment module 210 receives a payment operation for paying a merchant. For example, the customer terminal 101 may scan the merchant's collection code through the payment module 210 for the payment operation, or the customer terminal 101 may present the customer's payment code through the payment module 210, and then receive the scanning of the payment code by the merchant terminal 102 for the payment operation.

[0051] In operation S302, the message receiving module 220 receives the deduction information returned by the acquiring institution 103 for the payment operation. Among them, in the case where the acquiring institution 103 successfully deducts the payment, the deduction information includes transaction record information and the merchant's encrypted information. The merchant's encrypted information may include the merchant's secret key, encryption algorithm, certificate, signature, seal, etc.

[0052] In operation S303, the voucher generating module 230 encrypts the transaction record information using the merchant's encrypted information to generate an encrypted payment voucher.

[0053] In operation S304, the voucher transmission module 230 transmits the encrypted payment voucher to the merchant terminal 102 via short-range wireless communication 105. Among them, the merchant terminal 102 decrypts the encrypted payment voucher using the pre-configured decryption information to verify the transaction record information, and confirms the successful payment of the customer when the verification passes. In the embodiments of the present disclosure, the successful decryption of the transaction record information is a necessary condition for the verification to pass. The successful decryption indicates that the transaction record information transmitted from the customer terminal conforms to the predetermined encryption and decryption rules, is true and valid, thereby ensuring the reliability and trustworthiness of the verification result of the transaction record information.

[0054] In one embodiment, the customer terminal 101 may automatically generate an encrypted payment voucher after receiving the deduction information. In another embodiment, when the merchant terminal 102 fails to receive the merchant collection notice in a timely manner, the encrypted payment voucher may be generated by the triggering operation of the customer.

[0055] The encryption of the transaction record information includes, but is not limited to, symmetric encryption, asymmetric encryption, signature, certificate, etc. Among them, the specific method of encrypting the transaction record information may be set by the customer terminal 101, the merchant terminal 102, and the acquiring institution 103 according to prior negotiation, aiming to ensure that the merchant terminal 101 can verify the authenticity of the transaction record information.

[0056] When generating the encrypted payment voucher through the asymmetric encryption technology, in one embodiment, the encrypted information of the merchant may include the private key of the merchant. Among them, the public key of the merchant paired with the private key of the merchant is configured in the merchant terminal 102c, so that the private key of the merchant can be used to encrypt and sign the transaction record information to generate the encrypted payment voucher. In this way, after the encrypted payment voucher is transmitted to the merchant terminal 103 via short-range wireless communication 105, the merchant terminal 102 can use the public key of the merchant configured therein to verify the signature in the encrypted payment voucher.

[0057] In this way, the customer terminal 101 of the embodiments of the present disclosure can generate an encrypted payment voucher through an internal encryption mechanism, and the encrypted payment voucher can be interacted with the merchant side via short-range wireless communication 105, enabling the merchant terminal 102 to obtain the deduction situation of the transaction in a timely manner.

[0058] According to an embodiment of the present disclosure, any multiple modules among the payment module 210, the message receiving module 220, the voucher generating module 230, and the voucher transmitting module 240 may be combined and implemented in one module, or any one of them may be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules may be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the payment module 210, the message receiving module 220, the voucher generating module 230, and the voucher transmitting module 240 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or may be implemented by any other reasonable means of integrating or packaging circuits, etc., in hardware or firmware, or implemented in any one of the three implementation manners of software, hardware, and firmware, or in an appropriate combination of any several of them. Alternatively, at least one of the payment module 210, the message receiving module 220, the voucher generating module 230, and the voucher transmitting module 240 may be at least partially implemented as a computer program module, and when the computer program module is run, it may execute the corresponding functions.

[0059] Figure 4 FIG. schematically shows a block diagram of a fund transaction confirmation device 400 for mobile payment disposed in a merchant terminal according to an embodiment of the present disclosure.

[0060] As Figure 4 shown, the device 400 may include a voucher receiving module 410, a verification module 420, a confirmation module 430, and a configuration module 440.

[0061] The device 400 may be disposed in the merchant terminal 102 and used to execute a fund transaction confirmation method for mobile payment applied to the merchant terminal 102 according to an embodiment of the present disclosure, specifically as Figure 5 shown. Correspondingly, the functions of each module in the device 400 may refer to the detailed description about Figure 5 this.

[0062] Figure 5 FIG. schematically shows a flowchart of a fund transaction confirmation method for mobile payment applied to a merchant terminal according to an embodiment of the present disclosure.

[0063] As Figure 5 shown, this fund transaction confirmation method is applied to the merchant terminal 102 and may include operation S501 to operation S503.

[0064] First, in operation S501, the voucher receiving module 410 receives the encrypted payment voucher transmitted by the customer terminal through short-range wireless communication 105. The encrypted payment voucher is generated by encrypting the transaction record information using the merchant's encrypted information.

[0065] For example, when the encrypted payment voucher is in the form of a message, the encrypted payment voucher can be received through one of Bluetooth, near field communication, or wireless local area network communication.

[0066] Or for example, when the encrypted payment voucher is in image format (such as an encoded graphic), the merchant terminal 102 can scan the image of the encrypted payment voucher displayed in the customer terminal 101.

[0067] Then, in operation S502, the verification module 420 decrypts the encrypted payment voucher using the pre-configured decryption information to verify the transaction record information. For example, when the verification module 420 successfully decrypts the transaction record information, it indicates that the decryption information pre-configured in the merchant terminal 102 is the decryption information paired with the merchant's encrypted information received by the customer terminal 101, and this transaction record information is true and valid. According to some embodiments of the present disclosure, after successful decryption, the verification module 420 can further check the transaction number, transaction amount, transaction time, etc. in the transaction record information to confirm whether the customer's payment amount is true and valid.

[0068] Next, in operation S503, the confirmation module 430 confirms that the customer's payment is successful when the verification passes.

[0069] In one embodiment, the pre-configured decryption information can be pre-configured in the merchant terminal 102 through the configuration module 440 in advance. The methods for encrypting and decrypting the transaction record information include, but are not limited to, symmetric encryption / decryption, asymmetric encryption / decryption, signature / verification, certificate / notarization, etc. For example, the merchant can negotiate the encryption and decryption methods with the operator of the acquiring institution 103 in advance, and then configure the decryption information in the merchant terminal 102, while the acquiring institution 103 stores and uses the merchant's encrypted information corresponding to the decryption information.

[0070] In one embodiment, when using the asymmetric encryption and decryption method, when the merchant's encrypted information transmitted by the acquiring institution 103 to the customer terminal 101 is the merchant's private key, the merchant's public key paired with the merchant's private key can be pre-configured in the merchant terminal 102 through the configuration module 440. In this way, the customer terminal 101 can sign the transaction record information using the received private key. Thus, in operation S502, the merchant terminal 102 can verify the encrypted signature in the encrypted payment voucher using the merchant's public key.

[0071] In this way, through the encryption and decryption mechanism and short-range wireless communication, merchants can confirm the payment status of customers in a timely manner even if they fail to receive the merchant payment notice, improving the customer consumption experience.

[0072] According to an embodiment of the present disclosure, any multiple of the voucher receiving module 410, the verification module 420, the confirmation module 430, and the configuration module 440 may be combined and implemented in one module, or any one of them may be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules may be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the voucher receiving module 410, the verification module 420, the confirmation module 430, and the configuration module 440 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on substrate, a system on package, an application specific integrated circuit (ASIC), or may be implemented by any other reasonable way of integrating or packaging circuits and other hardware or firmware, or may be implemented in any one of the three implementation manners of software, hardware, and firmware, or in an appropriate combination of any several of them. Alternatively, at least one of the voucher receiving module 410, the verification module 420, the confirmation module 430, and the configuration module 440 may be at least partially implemented as a computer program module, and when the computer program module runs, it can execute the corresponding functions.

[0073] Figure 6 The flowchart of a fund transaction confirmation method for mobile payment according to another embodiment of the present disclosure is schematically shown.

[0074] As Figure 6 shown, the method includes interactions among the customer terminal 101, the acquirer 103, and the merchant terminal 102, and generally may include steps S610 to S650.

[0075] In step S610, the customer uses the customer terminal 101 to make a payment to the merchant for a fund transaction. For example, a payment order is created through the merchant account on the merchant terminal 102, and then the payment code shown in the customer terminal 101 can be scanned, so as to send the transaction request to the acquirer 103 used by the merchant account in the merchant terminal 102. The transaction request contains a unique transaction serial number, transaction party information, and complies with the format agreed by the acquirer 103, and is transmitted through the network 104. At the same time, the customer terminal 101, the merchant terminal 102, and the acquirer 103 will also record this transaction and record the transaction status as in payment.

[0076] Step S620: After the acquiring institution 103 receives a transaction request, it processes the deduction from the customer's account. First, it conducts transaction verification on the customer's account used in the customer terminal 101, including risk control verification, available balance verification of the account, etc. If the customer's account fails the transaction verification, the transaction is rejected, and a transaction failure message is sent to the customer terminal 101 and the merchant terminal 102 respectively. The customer terminal 101, the merchant terminal 102, and the acquiring institution 103 set the transaction status to failed according to this message. If the customer's account passes the transaction verification, the customer's account is deducted. After the deduction is successful, a deduction message is pushed to the customer terminal 101, and the acquiring institution 103 sets the transaction status of the customer's account to deducted successfully. Meanwhile, the acquiring institution 103 processes the merchant's account credit.

[0077] Step S630: After the acquiring institution 103 completes the deduction from the customer's account, it processes the merchant's account credit. The merchant's account credit also requires verification of the merchant's account, mainly including verification of the credit account, limit verification, etc. If the merchant's account fails the transaction verification, the transaction is rejected, and a credit failure message is sent to the merchant terminal 102 that uses this merchant's account to receive payments. The acquiring institution 103 and the merchant terminal 102 set the transaction status to credit failed. If the merchant's account passes the transaction verification, the merchant's account is credited. After the credit is successful, a transaction success message is sent to notify the merchant terminal 102. The acquiring institution 103 and the merchant terminal 102 set the transaction status to credited successfully.

[0078] In step S631, in case of a credit failure, the accounts of the acquiring institution 103 and the merchant terminal 102 are processed through subsequent processing procedures. For example, the merchant terminal 102 can re-initiate a credit request for a limited number of times. If the credit cannot be successfully completed within the limited number of times or within a specified time, the acquiring institution 103 first sets it as a doubtful account and then negotiates with the merchant. After the negotiation is successful, the order status is set to credited successfully.

[0079] According to an embodiment of the present disclosure, considering the extension and waiting problems that may be caused by the failure of the merchant's account credit or the merchant terminal 102 not receiving the merchant's payment notice due to network problems, steps S641 and S642 can be used to help the merchant promptly confirm the customer's payment.

[0080] Specifically, in step S641, the customer terminal 101 receives the deduction information returned by the acquiring institution 103. Among them, according to an embodiment of the present disclosure, the deduction message returned by the acquiring institution 103 to the customer terminal 101 may include a transaction record message and the encrypted information of the merchant. The encrypted information of the merchant may be the encrypted information pre-stored in the acquiring institution 103 and pre-agreed with the merchant in advance.

[0081] Step S642: When the merchant account credit fails or the merchant terminal 102 does not receive the merchant payment notice due to network problems, the customer terminal 101 can encrypt the transaction record information using the received encrypted information to generate an encrypted payment voucher. Then, the encrypted payment voucher is transmitted to the merchant terminal 102 via short-range wireless communication 105.

[0082] The encrypted payment voucher can be in the form of a message, and can be transmitted through methods including but not limited to Bluetooth, Near Field Communication (NFC), wireless local area network transmission, etc. Among them, the encryption methods include but are not limited to existing symmetric encryption, asymmetric encryption, etc. Taking asymmetric encryption as an example, the customer terminal 101 can receive a private key file and configure an encryption signature algorithm. The merchant terminal 102 pre-configures a public key file. When the customer terminal 101 generates a payment voucher, it uses the private key file to encrypt the payment voucher message information to generate an encrypted signature. After the encrypted payment voucher is transmitted to the merchant terminal 102, the merchant terminal 102 can verify the signature according to the public key file. If they are consistent, it can be considered that the customer has completed the deduction, thus completing the transaction scenario.

[0083] Step S650: After receiving the encrypted payment voucher, the merchant terminal 102 can decrypt the encrypted payment voucher using the pre-configured decryption information to verify the transaction record information, and confirm that the customer's payment is successful when the verification passes. The merchant's encrypted information and the decryption information pre-configured in the merchant terminal 102 can be determined through prior negotiation between the merchant and the acquirer 103.

[0084] In this way, the embodiments of the present disclosure can create a method and coordination for fund transaction confirmation based on double confirmation. Using the customer payment voucher and the merchant payment message notice as the basis for sequential confirmation of a fund transaction, it can solve the problem that it is difficult for the merchant to confirm whether the customer's payment is successful when a single message notification fails to be sent or processed.

[0085] In some embodiments, only when the merchant terminal 102 does not receive the merchant payment notice in a timely manner, the customer terminal 101 generates an encrypted payment voucher according to the user operation, and transmits the encrypted payment voucher to the merchant terminal 102 via short-range wireless communication 105 as the first step confirmation of the payment transaction. Subsequently, after the acquirer 103 completes the merchant account credit processing, it sends a merchant payment notice as the second step confirmation of this payment transaction. In this way, it can not only facilitate the customer payment experience, but also ensure the accuracy of the merchant's account credit and problem troubleshooting, improve the overall payment efficiency, and also prompt the acquirer 103 to improve the payment processing performance.

[0086] Figure 7 A block diagram of an electronic device 700 suitable for implementing the fund transaction confirmation method for mobile payment according to the embodiments of the present disclosure is schematically shown.

[0087] As shown Figure 7 in FIG. 1, the electronic device 700 according to an embodiment of the present disclosure includes a processor 701 that can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage section 708 into a random access memory (RAM) 703. The processor 701 may include, for example, a general-purpose microprocessor (e.g., CPU), an instruction set processor, and / or a related chipset, and / or a dedicated microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 701 may also include on-board memory for caching purposes. The processor 701 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0088] In the RAM 703, various programs and data required for the operation of the electronic device 700 are stored. The processor 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. The processor 701 performs various operations of the method flow according to an embodiment of the present disclosure by executing the programs in the ROM 702 and / or the RAM 703. It should be noted that the program may also be stored in one or more memories other than the ROM 702 and the RAM 703. The processor 701 may also perform various operations of the method flow according to an embodiment of the present disclosure by executing the programs stored in the one or more memories.

[0089] According to an embodiment of the present disclosure, the electronic device 700 may further include an input / output (I / O) interface 705, and the input / output (I / O) interface 705 is also connected to the bus 704. The electronic device 700 may further include one or more of the following components connected to the I / O interface 705: an input section 706 including a keyboard, a mouse, etc.; an output section 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, a modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 710 as needed so that a computer program read therefrom can be installed into the storage section 708 as needed.

[0090] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the foregoing embodiments; or may exist independently without being assembled into the device / apparatus / system. The foregoing computer-readable storage medium carries one or more programs, and when the one or more programs are executed, the methods according to the embodiments of the present disclosure are implemented.

[0091] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, it may include but is not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing. In the present disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program may be used by or in combination with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include the ROM 702 and / or the RAM 703 described above and / or one or more memories other than the ROM 702 and the RAM 703.

[0092] Embodiments of the present disclosure also include a computer program product, which includes a computer program that contains program code for executing the method shown in the flowchart. When the computer program product runs in a computer system, the program code is used to cause the computer system to implement the method provided by the embodiments of the present disclosure.

[0093] When the computer program is executed by the processor 701, the above functions defined in the system / apparatus of the embodiments of the present disclosure are executed. According to an embodiment of the present disclosure, the foregoing systems, apparatuses, modules, units, etc. may be implemented by computer program modules.

[0094] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices and magnetic storage devices. In another embodiment, the computer program may also be transmitted and distributed in the form of a signal on a network medium, and is downloaded and installed through the communication part 709, and / or installed from the removable medium 711. The program code included in the computer program may be transmitted by any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

[0095] In such an embodiment, the computer program can be downloaded and installed from a network through the communication part 709, and / or installed from the removable medium 711. When the computer program is executed by the processor 701, the above functions defined in the system of the embodiments of the present disclosure are executed. According to the embodiments of the present disclosure, the above-described systems, devices, apparatuses, modules, units, etc. can be implemented by computer program modules.

[0096] According to the embodiments of the present disclosure, the program code for executing the computer program provided by the embodiments of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. The programming languages include, but are not limited to, such as Java, C++, python, the "C" language, or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, by using an Internet service provider to connect through the Internet).

[0097] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagram may represent a module, a program segment, or a part of the code, and the above-mentioned module, program segment, or part of the code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order from that marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combinations of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0098] Those skilled in the art can understand that the features recited in the various embodiments and / or claims of the present disclosure can be combined or / and combined in various ways, even if such combinations or combinations are not explicitly recited in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features recited in the various embodiments and / or claims of the present disclosure can be combined and / or combined in various ways. All such combinations and / or combinations fall within the scope of the present disclosure.

[0099] The embodiments of the present disclosure have been described above. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments have been described separately above, this does not mean that the measures in each embodiment cannot be used advantageously in combination. The scope of the present disclosure is defined by the appended claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art can make various substitutions and modifications, and these substitutions and modifications should fall within the scope of the present disclosure.

Claims

1. A method for confirming a fund transaction for mobile payment, which is applied to a customer terminal and includes: Receiving a payment operation for making a payment to a merchant; Receiving deduction information returned by an acquiring institution for the payment operation, wherein, when the acquiring institution successfully deducts the funds, the deduction information includes transaction record information and encrypted information of the merchant; Encrypting the transaction record information by using the encrypted information of the merchant to generate an encrypted payment voucher; and Transmitting the encrypted payment voucher to a merchant terminal through short - range wireless communication; wherein, the merchant terminal decrypts the encrypted payment voucher by using pre - configured decryption information to verify the transaction record information, and confirms that the customer's payment is successful when the decryption is successful and the verification passes.

2. The method according to claim 1, wherein The encrypted information of the merchant includes the private key of the merchant, and the public key of the merchant paired with the private key of the merchant is configured in the merchant terminal; then the encrypting the transaction record information by using the encrypted information of the merchant to generate an encrypted payment voucher includes: Performing an encrypted signature on the transaction record information by using the private key of the merchant to generate the encrypted payment voucher; wherein, the merchant terminal verifies the signature of the encrypted payment voucher by using the public key of the merchant configured therein.

3. The method according to claim 1, wherein The short - range wireless communication includes at least one of the following: Bluetooth, near - field communication, wireless local area network communication, or image scanning.

4. A method for confirming a fund transaction for mobile payment, which is applied to a merchant terminal and includes: Receiving, through short - range wireless communication, an encrypted payment voucher transmitted by a customer terminal, where the encrypted payment voucher is generated by encrypting transaction record information by using encrypted information of a merchant; Decrypting the encrypted payment voucher by using pre - configured decryption information to verify the transaction record information; and Confirming that the customer's payment is successful when the decryption is successful and the verification passes.

5. According to the method of claim 4, wherein, The method further includes: when the encrypted information of the merchant is the private key of the merchant, pre - configuring the public key of the merchant paired with the private key of the merchant in the merchant terminal; The decrypting the encrypted payment voucher by using pre - configured decryption information to verify the transaction record information includes: Verifying the signature in the encrypted payment voucher by using the public key of the merchant.

6. The method according to claim 4, wherein, The encrypted payment voucher is in the form of a message, and the receiving, through short - range wireless communication, an encrypted payment voucher transmitted by a customer terminal includes: Receiving the encrypted payment voucher through one of Bluetooth, near - field communication, or wireless local area network communication.

7. The method according to claim 4, wherein The encrypted payment voucher is in image format, and the receiving, through short - range wireless communication, an encrypted payment voucher transmitted by a customer terminal includes: Scanning an image of the encrypted payment voucher displayed on the customer terminal.

8. A method for confirming a fund transaction for mobile payment, includes: A customer terminal receives a payment operation for making a payment to a merchant; After the acquiring institution processes the payment transaction corresponding to the payment operation, it feeds back the deduction information to the customer terminal. Among them, when the acquiring institution successfully deducts the payment, the deduction information includes transaction record information and the encrypted information of the merchant; The customer terminal encrypts the transaction record information by using the encrypted information of the merchant to generate an encrypted payment voucher; The customer terminal transmits the encrypted payment voucher to the merchant terminal through short-range wireless communication; The merchant terminal decrypts the encrypted payment voucher by using the pre-configured decryption information to verify the transaction record information; and The merchant terminal confirms that the customer's payment is successful when the decryption is successful and the verification is passed.

9. A fund transaction confirmation device for mobile payment, which is set in the customer terminal and includes: A payment module for receiving a payment operation for paying a merchant; A message receiving module for receiving the deduction information returned by the acquiring institution for the payment operation. Among them, when the acquiring institution successfully deducts the payment, the deduction information includes transaction record information and the encrypted information of the merchant; A voucher generation module for encrypting the transaction record information by using the encrypted information of the merchant to generate an encrypted payment voucher; and A voucher transmission module for transmitting the encrypted payment voucher to the merchant terminal through short-range wireless communication. Among them, the merchant terminal decrypts the encrypted payment voucher by using the pre-configured decryption information to verify the transaction record information, and confirms that the customer's payment is successful when the decryption is successful and the verification is passed.

10. A fund transaction confirmation device for mobile payment, which is set in the merchant terminal and includes: A voucher receiving module for receiving the encrypted payment voucher transmitted by the customer terminal through short-range wireless communication. The encrypted payment voucher is generated by encrypting the transaction record information by using the encrypted information of the merchant; A verification module for decrypting the encrypted payment voucher by using the pre-configured decryption information to verify the transaction record information; And A confirmation module for confirming that the customer's payment is successful when the decryption is successful and the verification is passed.

11. A mobile payment system includes a customer terminal, an acquiring institution and a merchant terminal, where: The acquiring institution is used for: Processing the payment transaction for paying the merchant initiated by the customer terminal or the merchant terminal; Feeding back the deduction information of the payment transaction to the customer terminal. Among them, when the acquiring institution successfully deducts the payment, the deduction information includes transaction record information and the encrypted information of the merchant; The customer terminal is used for: Receiving a payment operation for paying a merchant; Receiving the deduction information returned by the acquiring institution for the payment operation; Encrypting the transaction record information by using the encrypted information of the merchant to generate an encrypted payment voucher; and Transmitting the encrypted payment voucher to the merchant terminal through short-range wireless communication; The merchant terminal is used for: Receiving the encrypted payment voucher through the short-range wireless communication; Decrypting the encrypted payment voucher by using the pre-configured decryption information to verify the transaction record information; and Confirm that the customer's payment is successful when decryption is successful and verification passes.

12. An electronic device, comprising: One or more processors; A storage device for storing one or more programs, wherein, when the one or more programs are executed by the one or more processors, the one or more processors are caused to execute the method according to any one of claims 1 to 8.

13. A computer-readable storage medium having executable instructions stored thereon, which when executed by a processor cause the processor to execute the method according to any one of claims 1 to 8.

14. A computer program product comprising a computer program which, when executed by a processor, implements the method according to any one of claims 1 to 8.

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