Third-party payment method and device, processor and electronic device

Abstract

The application discloses a third-party payment method and device, a processor and an electronic device, relates to the field of financial technology, and the method comprises the following steps: a target financial institution receives payment information sent by a first target transaction object; according to binary data in the payment information, it is determined whether a bank card corresponding to a bank card number of a second target transaction object is a bank card issued by the target financial institution; if the bank card corresponding to the bank card number of the second target transaction object is the bank card issued by the target financial institution, and the target financial institution has the charge deduction authority for the bank card of the second target transaction object, then according to a payment amount and a payment currency, the payment amount is deducted from the bank card of the second target transaction object, and the payment amount is added to the bank card of the first target transaction object. Through the application, the problem of low third-party payment efficiency in the related art is solved.

Description

Technical Field

[0001] This application relates to the field of financial technology, and more specifically, to a third-party payment method and device, processor, and electronic device. Background Technology

[0002] With the rapid development of mobile internet, third-party mobile payment has become widely used, bringing great convenience to people's lives. In third-party payment, if merchant A is a merchant of a target financial institution and cardholder B is a customer of that institution, cardholder B will bind their account B001 from the target financial institution to the third-party payment application. When cardholder B makes a purchase at merchant A, the payment process requires multiple data exchanges between the clearing institution, the bank, and the third-party payment institution to complete the deduction. Furthermore, in the subsequent fund clearing process, the target financial institution first clears the funds to the third-party payment institution through the clearing institution, and then the third-party payment institution clears the funds to the target financial institution through the clearing institution. Therefore, the current third-party payment process is relatively cumbersome, resulting in low efficiency.

[0003] There is currently no effective solution to the problem of low payment efficiency caused by multiple data exchanges between clearing institutions, banks, and third-party payment institutions when making payments through third-party payment procedures. Summary of the Invention

[0004] The main objective of this application is to provide a third-party payment method, device, processor, and electronic device to solve the problem in related technologies where multiple data exchanges are required between clearing institutions, banks, and third-party payment institutions when making payments through third-party payment procedures, resulting in relatively low payment efficiency.

[0005] To achieve the above objectives, according to one aspect of this application, a third-party payment method is provided. The method includes: a target financial institution receiving payment information sent by a first target transaction party, wherein the payment information includes at least: binary data obtained by a third-party payment program in a mobile terminal of a second target transaction party, a payment amount, and a payment currency; the binary data includes at least: a homomorphically encrypted bank card number of the second target transaction party; based on the binary data in the payment information, determining whether the bank card corresponding to the bank card number of the second target transaction party is a bank card issued by the target financial institution; if the bank card corresponding to the bank card number of the second target transaction party is a bank card issued by the target financial institution, then determining whether the target financial institution has deduction authority over the bank card of the second target transaction party; if the target financial institution has deduction authority over the bank card of the second target transaction party, then deducting the payment amount from the bank card of the second target transaction party based on the payment amount and the payment currency, and adding the payment amount to the bank card of the first target transaction party.

[0006] Further, determining whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution based on the binary data in the payment information includes: parsing the binary data in the payment information to obtain the number of the third-party payment institution, the homomorphically encrypted bank card number of the second target transaction object, and the payment account of the second target transaction object in the third-party payment institution; and determining whether the bank card of the second target transaction object is a bank card issued by the target financial institution through the homomorphically encrypted bank card number of the second target transaction object.

[0007] Further, determining whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object includes: determining whether authorization has been obtained from the third-party payment institution corresponding to the number of the third-party payment institution, so as to determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; if authorization has been obtained from the third-party payment institution, then the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

[0008] Furthermore, when authorization from the third-party payment institution is not obtained, the method further includes: the target financial institution initiating an authorization request to the third-party payment institution through a clearing institution, wherein the authorization request includes at least: the number of the first target transaction object, the name of the first target transaction object, the bank card number of the second target transaction object, the payment account of the second target transaction object at the third-party payment institution, the payment amount, and the payment currency; the target financial institution receiving the authentication result returned by the clearing institution, wherein the third-party payment institution initiates authorization authentication through the third-party payment program on the mobile terminal of the second target transaction object, obtains the authentication result, and returns the authentication result to the target financial institution through the clearing institution.

[0009] Further, the third-party payment institution initiates authorization authentication through the third-party payment program on the mobile terminal of the second target transaction object, and the authentication result includes: the third-party payment institution sending a start command, wherein the start command is used to instruct the third-party payment program on the mobile terminal of the second target transaction object to initiate authorization authentication; the third-party payment institution receiving the authentication result, wherein the third-party payment program initiates the authorization authentication according to the start command, and receives the authorization information input by the second target transaction object; the authorization information is authenticated to obtain an authentication result, and the authentication result is returned to the third-party payment institution.

[0010] Furthermore, before the target financial institution receives the payment information sent by the first target transaction object, the method further includes: generating a payment graphic code through a third-party payment program on the mobile terminal of the second target transaction object, wherein the payment graphic code includes at least the following information: the number of the third-party payment institution, the bank card number of the second target transaction object encrypted homomorphically, and the payment account of the second target transaction object in the third-party payment program; and obtaining the binary data based on the payment graphic code.

[0011] Furthermore, the payment information also includes: the ID number and name of the first target transaction object. After deducting the payment amount from the bank card of the second target transaction object and adding the payment amount to the bank card of the first target transaction object according to the payment amount and the payment currency, the method further includes: sending the payment result to the first target transaction object through the target financial institution according to the ID number and name of the first target transaction object; the target financial institution sending the payment result to the third-party payment institution through a clearing institution.

[0012] Furthermore, the binary data also includes: the payment account of the second target transaction object in the third-party payment institution. After the target financial institution sends the payment result to the third-party payment institution through the clearing institution, the method further includes: sending the payment result to the second target transaction object through the target financial institution based on the payment account of the second target transaction object in the third-party payment institution.

[0013] To achieve the above objectives, according to another aspect of this application, a third-party payment device is provided. The device includes: a first receiving unit, configured to receive payment information sent by a first target transaction object from a target financial institution, wherein the payment information includes at least: binary data obtained by a third-party payment program in a mobile terminal of a second target transaction object, a payment amount, and a payment currency, and the binary data includes at least: a homomorphically encrypted bank card number of the second target transaction object; a determining unit, configured to determine, based on the binary data in the payment information, whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution; a judging unit, configured to, if the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution, judge whether the target financial institution has deduction authority over the bank card of the second target transaction object; and a first processing unit, configured to, if the target financial institution has deduction authority over the bank card of the second target transaction object, deduct the payment amount from the bank card of the second target transaction object based on the payment amount and the payment currency, and add the payment amount to the bank card of the first target transaction object.

[0014] Further, the determining unit includes: a parsing module, used to parse the binary data in the payment information to obtain the number of the third-party payment institution, the homomorphically encrypted bank card number of the second target transaction object, and the payment account of the second target transaction object in the third-party payment institution; and a first determining module, used to determine whether the bank card of the second target transaction object is a bank card issued by the target financial institution based on the homomorphically encrypted bank card number of the second target transaction object.

[0015] Furthermore, the judgment unit includes: a judgment module, used to judge whether authorization has been obtained from the third-party payment institution corresponding to the number of the third-party payment institution, so as to determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; and a second determination module, used to determine that if authorization has been obtained from the third-party payment institution, the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

[0016] Furthermore, when authorization from the third-party payment institution is not obtained, the device further includes: an initiating unit, used by the target financial institution to initiate an authorization request to the third-party payment institution through a clearing institution, wherein the authorization request includes at least: the number of the first target transaction object, the name of the first target transaction object, the bank card number of the second target transaction object, the payment account of the second target transaction object at the third-party payment institution, the payment amount, and the payment currency; and a second receiving unit, used by the target financial institution to receive the authentication result returned by the clearing institution, wherein the third-party payment institution initiates authorization authentication through the third-party payment program of the second target transaction object's mobile terminal, obtains the authentication result, and returns the authentication result to the target financial institution through the clearing institution.

[0017] Further, the second receiving unit includes: a sending module, used by the third-party payment institution to send a start instruction, wherein the start instruction is used to instruct the third-party payment program of the mobile terminal of the second target transaction object to initiate authorization authentication; and a receiving module, used by the third-party payment institution to receive the authentication result, wherein the third-party payment program initiates the authorization authentication according to the start instruction and receives authorization information input by the second target transaction object; authenticates the authorization information to obtain an authentication result, and returns the authentication result to the third-party payment institution.

[0018] Furthermore, the device further includes: a generation unit, configured to generate a payment graphic code via a third-party payment program on the mobile terminal of the second target transaction object before the target financial institution receives payment information sent by the first target transaction object, wherein the payment graphic code includes at least the following information: the number of the third-party payment institution, the bank card number of the second target transaction object encrypted homomorphically, and the payment account of the second target transaction object in the third-party payment program; and an acquisition unit, configured to obtain the binary data based on the payment graphic code.

[0019] Furthermore, the payment information also includes: the number of the first target transaction object and the name of the first target transaction object. The device further includes: a second processing unit, configured to, after deducting the payment amount from the bank card of the second target transaction object and adding the payment amount to the bank card of the first target transaction object according to the payment amount and the payment currency, send the payment result to the first target transaction object through the target financial institution according to the number of the first target transaction object and the name of the first target transaction object; and a first sending unit, configured to, through a clearing institution, send the payment result to the third-party payment institution by the target financial institution.

[0020] Furthermore, the binary data also includes: the payment account of the second target transaction object in the third-party payment institution, and the device further includes: a second sending unit, used to send the payment result to the second target transaction object through the target financial institution after the target financial institution sends the payment result to the third-party payment institution through the clearing institution, based on the payment account of the second target transaction object in the third-party payment institution.

[0021] To achieve the above objectives, according to one aspect of this application, a processor is provided for running a program, wherein the program executes any of the third-party payment methods described above.

[0022] To achieve the above objectives, according to one aspect of this application, an electronic device is provided, the electronic device including one or more processors and a memory, the memory being used to store the third-party payment method implemented by the one or more processors as described above.

[0023] This application employs the following steps: A target financial institution receives payment information sent by a first target transaction party. The payment information includes at least: binary data obtained from a third-party payment program on a second target transaction party's mobile terminal, the payment amount, and the payment currency. The binary data includes at least: a homomorphically encrypted bank card number of the second target transaction party. Based on the binary data in the payment information, it is determined whether the bank card corresponding to the second target transaction party's bank card number is issued by the target financial institution. If the bank card corresponding to the second target transaction party's bank card number is issued by the target financial institution, it is determined whether the target financial institution has deduction authority over the second target transaction party's bank card. If the target financial institution has deduction authority over the second target transaction party's bank card, the payment amount is deducted from the second target transaction party's bank card based on the payment amount and payment currency, and the payment amount is added to the first target transaction party's bank card. This solves the problem in related technologies where multiple data exchanges between clearing institutions, banks, and third-party payment institutions are required for payments made through third-party payment programs, resulting in low payment efficiency. When the first and second target parties conduct a transaction through a third-party payment program, the first target party sends payment information to the target financial institution. The target financial institution then determines whether the second target party's bank card was issued by the financial institution. If the second target party's bank card was issued by the financial institution, the financial institution determines whether it has deduction authority over the second target party's bank card. If the financial institution has deduction authority over the second target party's bank card, it directly deducts the payment from the second target party's bank card to complete the transaction between the first and second target parties. This avoids multiple data exchanges between the clearing institution, the bank, and the third-party payment institution, thereby improving payment efficiency. Attached Figure Description

[0024] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0025] Figure 1 This is a flowchart of a third-party payment method provided according to an embodiment of this application;

[0026] Figure 2 This is a flowchart of an optional third-party payment method provided according to an embodiment of this application;

[0027] Figure 3 This is a schematic diagram of a third-party payment device provided according to an embodiment of this application;

[0028] Figure 4 This is a schematic diagram of an electronic device provided according to an embodiment of this application. Detailed Implementation

[0029] It should be noted that, unless otherwise specified, the embodiments and features described in this application can be combined with each other. This application will now be described in detail with reference to the accompanying drawings and embodiments.

[0030] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0031] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate for the embodiments of this application described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0032] It should be noted that all information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data used for analysis, etc.) involved in this disclosure are information and data authorized by the user or fully authorized by all parties. For example, this system has an interface with relevant users or organizations. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain the relevant information after receiving consent information from the aforementioned user or organization.

[0033] The present invention will now be described in conjunction with preferred implementation steps. Figure 1 This is a flowchart of a third-party payment method provided according to an embodiment of this application, such as... Figure 1 As shown, the method includes the following steps:

[0034] Step S101: The target financial institution receives payment information sent by the first target transaction object. The payment information includes at least: binary data obtained by the third-party payment program in the mobile terminal of the second target transaction object, payment amount and payment currency. The binary data includes at least: the bank card number of the second target transaction object that is homomorphically encrypted.

[0035] Specifically, the first and second target parties conduct transactions through a third-party payment program. The first target party can be a merchant, and the second target party can be a consumer or the aforementioned cardholder. During the transaction, the second target party generates a payment graphic code through a third-party payment program on a mobile terminal (e.g., a mobile terminal). The payment graphic code needs to contain the following information: the third-party payment institution's number, the homomorphically encrypted bank card number of the second target party, and the second target party's payment account with the third-party payment institution.

[0036] The first target transaction object obtains the binary data contained in the payment graphic code by scanning the payment graphic code. The first target transaction object sends the binary data, the number of the first target transaction object, the name of the first target transaction object, the payment amount, and the payment currency as payment information to the target financial institution. Here, the first target transaction object is a customer of the target financial institution, that is, the bank card used by the first target transaction object is a bank card issued by the target financial institution.

[0037] Step S102: Based on the binary data in the payment information, determine whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution.

[0038] Specifically, after receiving the payment information, the target financial institution parses the payment information to obtain the third-party payment institution's number, the homomorphically encrypted bank card number of the second target transaction object, and the second target transaction object's payment account in the third-party payment institution. It then uses the homomorphically encrypted bank card number of the second target transaction object to determine whether the bank card was issued by the target financial institution.

[0039] Encrypting bank card numbers effectively ensures the security of the target transaction's information. Furthermore, when the bank card of the second target transaction is not issued by the target financial institution, both the third-party payment institution and the issuing financial institution cannot disclose the bank card number to the target financial institution to protect customer information privacy. Therefore, homomorphic encryption is applied to the second target transaction's bank card number. Under homomorphic encryption, only bank cards issued by the target financial institution can be retrieved by the target financial institution. For bank cards not issued by the target financial institution, the target financial institution only knows that the card is not issued by their bank, but cannot know the actual card number; the actual card number can only be retrieved by the third-party payment institution.

[0040] Step S103: If the bank card number of the second target transaction object corresponds to a bank card issued by the target financial institution, then determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

[0041] Specifically, when the bank card number of the second target transaction object corresponds to a bank card issued by the target financial institution, it is further determined whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

[0042] If the bank card number of the second target transaction object corresponds to a bank card not issued by the target financial institution, the following steps shall be followed: The payment request, which includes the number of the third-party payment institution, the payment account of the second target transaction object in the third-party payment institution, the number of the first target transaction object, the name of the first target transaction object, the payment amount, and the payment currency, shall be sent to the third-party payment institution through the clearing institution. After authorization, the third-party payment institution shall send the request to the issuing bank through the clearing institution for deduction processing, and return the deduction result through the original channel.

[0043] Step S104: If the target financial institution has deduction authority over the bank card of the second target transaction object, then deduct the payment amount from the bank card of the second target transaction object according to the payment amount and payment currency, and increase the payment amount on the bank card of the first target transaction object.

[0044] Specifically, when the target financial institution has the authority to deduct fees from the bank card of the second target transaction object, the target financial institution directly deducts the fees from the bank card of the second target transaction object and transfers the deducted fees to the bank card of the first target transaction object.

[0045] In summary, when the first and second target parties conduct a transaction through a third-party payment program, the first target party sends payment information to the target financial institution. The target financial institution then determines whether the second target party's bank card was issued by the financial institution. If the second target party's bank card was issued by the financial institution, it determines whether the financial institution has deduction authority over the second target party's bank card. If the financial institution has deduction authority, it directly deducts payment from the second target party's bank card to complete the transaction. This avoids multiple data exchanges between clearing institutions, banks, and third-party payment institutions, significantly improving data processing efficiency in mobile payments and reducing the risk of data transmission failures.

[0046] Determining whether the bank card number of the second target transaction object corresponds to a bank card issued by the target financial institution is crucial. Therefore, in the third-party payment method provided in this application embodiment, the following steps are used to determine whether the bank card number of the second target transaction object corresponds to a bank card issued by the target financial institution: parsing the binary data in the payment information to obtain the number of the third-party payment institution, the homomorphically encrypted bank card number of the second target transaction object, and the payment account of the second target transaction object at the third-party payment institution; and determining whether the bank card of the second target transaction object is issued by the target financial institution through the homomorphically encrypted bank card number of the second target transaction object.

[0047] Specifically, the target financial institution parses the binary data in the payment information to obtain the third-party payment institution's identifier, the homomorphically encrypted bank card number of the second target transaction party, and the second target transaction party's payment account at the third-party payment institution. Using the homomorphically encrypted bank card number of the second target transaction party, it can accurately determine whether the bank card was issued by the target financial institution. If it is a bank card issued by the target financial institution, the target financial institution can retrieve the specific bank card number. If it is not a bank card issued by the target financial institution, the target financial institution only knows that the card is not issued by their bank, but cannot know the actual card number; the actual card number can only be retrieved by the third-party payment institution.

[0048] For example, a target financial institution's system contains bank cards belonging to its customers: 1001, 1002, 1003, 1004, and 1005. These card numbers are homomorphically encrypted to obtain encrypted data q(1001), q(1002), q(1003), q(1004), and q(1005). When the target financial institution parses the encrypted bank card number data from the binary data and obtains q(1003), it can determine that the card is its own card 1003. However, if the target financial institution parses the encrypted bank card number data from the binary data and obtains q(3008), it only knows that the card is not its own card, but cannot know the card's real number. In this case, the real card number can only be obtained by a third-party payment institution.

[0049] By following the steps above, it is possible to accurately determine whether the bank card number of the second target transaction object corresponds to a bank card issued by the target financial institution.

[0050] In order to accurately determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object, the third-party payment method provided in this application embodiment adopts the following steps: determining whether authorization has been obtained from the third-party payment institution corresponding to the third-party payment institution's number, so as to determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; if authorization has been obtained from the third-party payment institution, then the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

[0051] Specifically, whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction party is determined by whether it has obtained authorization from a third-party payment institution. If authorization from a third-party payment institution has been obtained, it indicates that the target financial institution has the authority to deduct fees from the bank card of the second target transaction party.

[0052] In an optional embodiment, the second target transaction object can also be set directly so that no authorization from the third-party payment institution is required in the case of small-amount payments, but authorization from the third-party payment institution is required for amounts exceeding the limit.

[0053] By following the steps above, it is possible to accurately determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction party, and to ensure the security of the bank card.

[0054] To enable the target financial institution to directly deduct funds from the bank card of the second target transaction party, the third-party payment method provided in this application embodiment obtains authorization from the third-party payment institution in the following manner: The target financial institution initiates an authorization request to the third-party payment institution through a clearing institution, wherein the authorization request includes at least: the number of the first target transaction party, the name of the first target transaction party, the bank card number of the second target transaction party, the payment account of the second target transaction party at the third-party payment institution, the payment amount, and the payment currency; The target financial institution receives the authentication result returned by the clearing institution, wherein the third-party payment institution initiates authorization authentication through the third-party payment program on the mobile terminal of the second target transaction party, obtains the authentication result, and returns the authentication result to the target financial institution through the clearing institution. The third-party payment institution sends a start command, wherein the start command is used to instruct the third-party payment program on the mobile terminal of the second target transaction party to initiate authorization authentication; The third-party payment institution receives the authentication result, wherein the third-party payment program initiates authorization authentication according to the start command and receives the authorization information input by the second target transaction party; The authorization information is authenticated to obtain an authentication result, and the authentication result is returned to the third-party payment institution.

[0055] Specifically, the target financial institution sends an authorization request, which includes data such as the third-party payment institution's number, the bank card number of the second target transaction party, the number of the first target transaction party, the name of the first target transaction party, the payment amount, and the payment currency, to the third-party payment institution through the clearing institution.

[0056] Upon receiving the authorization request, the third-party payment institution sends an instruction to initiate authorization authentication to the third-party payment application on the mobile terminal of the second target transaction party. The third-party payment application on the second target transaction party's mobile terminal initiates authorization authentication, which can be done via a payment password or facial recognition information (i.e., the aforementioned authorization information). The second target transaction party enters the payment password or performs facial recognition, and the third-party payment application sends the payment password or facial recognition information to its authentication server for processing, obtaining the authentication result. The authentication result (authentication successful, payment allowed; authentication unsuccessful, payment denied) is then fed back to the target financial institution through the clearing institution.

[0057] In summary, authorizing the target financial institution ensures the security of the bank card of the second target transaction party.

[0058] Before the target financial institution receives the payment information sent by the first target transaction party, the following steps are required: generate a payment graphic code through the third-party payment program on the mobile terminal of the second target transaction party. The payment graphic code includes at least the following information: the number of the third-party payment institution, the bank card number of the second target transaction party through homomorphic encryption, and the payment account of the second target transaction party in the third-party payment program; and obtain binary data based on the payment graphic code.

[0059] Specifically, the first and second target parties conduct a transaction through a third-party payment program. During the transaction, the second target party generates a payment graphic code through the third-party payment program on a mobile terminal (e.g., a mobile terminal). The payment graphic code needs to contain the following information: the third-party payment institution's number, the homomorphically encrypted bank card number of the second target party, and the payment account of the second target party with the third-party payment institution. The first target party obtains the binary data contained in the payment graphic code by scanning it.

[0060] By obtaining binary data through the payment graphic code generated by the second target transaction object, the security of the relevant data of the second target transaction object is guaranteed.

[0061] After the target financial institution completes the deduction, the following steps are also included: Based on the first target transaction object's number and name, the target financial institution sends the payment result to the first target transaction object; the target financial institution then sends the payment result to the third-party payment institution through a clearing institution. Based on the second target transaction object's payment account at the third-party payment institution, the target financial institution sends the payment result to the second target transaction object.

[0062] Specifically, using the first target transaction party's identification number, name, and the second target transaction party's payment account at the third-party payment institution, the target financial institution notifies both the first and second target transaction parties of the payment completion result. The target financial institution also sends the payment completion result to the third-party payment institution through a clearing institution. The third-party payment institution then registers the payment details and provides them to the second target transaction party for subsequent inquiries.

[0063] In an alternative embodiment, the following can be employed: Figure 2 The flowchart shown illustrates third-party payment. The merchant is the primary target transaction entity, and the cardholder is the secondary target transaction entity.

[0064] Step 201: The third-party payment program on the cardholder's mobile terminal generates a payment graphic code, which contains the third-party payment institution's number, the cardholder's bank card number, and the cardholder's payment account with the third-party payment institution.

[0065] Step 202: The merchant scans the payment graphic code and extracts binary data from the image of the payment graphic code.

[0066] Step 203: The merchant sends payment information to the target financial institution, which includes binary data, merchant number, merchant name, payment amount, payment currency, etc., requesting the target financial institution to process the payment.

[0067] Step 204: The target financial institution parses the binary data to obtain the third-party payment institution's number, the cardholder's payment account with the third-party payment institution, and the encrypted cardholder's bank card number.

[0068] Step 205: The target financial institution determines whether the cardholder's card belongs to its bank based on the cardholder's bank card number.

[0069] Step 206: If it is not a card from this bank, proceed according to the original process. The payment request, which includes the third-party payment institution's number, the cardholder's payment account at the third-party support institution, merchant number, merchant name, payment amount, and payment currency, is sent to the third-party payment institution through the clearing institution. After authorization, the third-party payment institution sends the request to the card-issuing financial institution through the clearing institution for deduction processing and returns the deduction result to the original payment institution.

[0070] Step 207: If it's a card from this bank, determine if authorization from a third-party payment institution is required. For example, authorization may not be needed for small payments, but authorization from a third-party payment institution is required for amounts exceeding a certain limit.

[0071] Step 208: The target financial institution sends an authorization request containing the third-party payment institution number, the cardholder's bank card number, the merchant number, the merchant name, the payment amount, and the payment currency to the third-party payment institution through the clearing institution.

[0072] Step 209: After receiving the authorization authentication request, the third-party payment institution sends an instruction to initiate authorization authentication to the third-party payment application on the cardholder's mobile terminal. The third-party payment application initiates the input of a payment password or facial recognition, which is performed by the cardholder. The third-party payment application then sends the input payment password or facial information to the third-party payment authentication server for authentication processing. The authentication result (authentication successful, payment allowed; authentication unsuccessful, payment denied) is then fed back to the target financial institution through the clearing institution.

[0073] Step 210: If the target financial institution receives feedback that the third-party payment institution has passed the authorization certification, or if the third-party payment institution is not required to conduct authorization certification, the target financial institution will process the payment internally, deduct the payment amount from the cardholder's bank card, and transfer the funds to the merchant's bank card.

[0074] Step 211: The target financial institution will notify the merchant and cardholder of the payment completion result.

[0075] Step 212: The target financial institution sends the payment completion result to the third-party payment institution through the clearing institution. The third-party payment institution registers the payment details and provides them to the cardholder for subsequent inquiries.

[0076] The third-party payment method provided in this application embodiment receives payment information sent by a first target transaction object through a target financial institution. The payment information includes at least: binary data obtained from a third-party payment program in the mobile terminal of a second target transaction object, payment amount, and payment currency. The binary data includes at least: a homomorphically encrypted bank card number of the second target transaction object. Based on the binary data in the payment information, it is determined whether the bank card corresponding to the second target transaction object's bank card number is issued by the target financial institution. If the bank card corresponding to the second target transaction object's bank card number is issued by the target financial institution, it is determined whether the target financial institution has deduction authority over the second target transaction object's bank card. If the target financial institution has deduction authority over the second target transaction object's bank card, the payment amount is deducted from the second target transaction object's bank card based on the payment amount and payment currency, and the payment amount is added to the first target transaction object's bank card. This solves the problem in related technologies where multiple data exchanges between clearing institutions, banks, and third-party payment institutions are required for payments made through third-party payment programs, resulting in low payment efficiency. When the first and second target parties conduct a transaction through a third-party payment program, the first target party sends payment information to the target financial institution. The target financial institution then determines whether the second target party's bank card was issued by the financial institution. If the second target party's bank card was issued by the financial institution, the financial institution determines whether it has deduction authority over the second target party's bank card. If the financial institution has deduction authority over the second target party's bank card, it directly deducts the payment from the second target party's bank card to complete the transaction between the first and second target parties. This avoids multiple data exchanges between the clearing institution, the bank, and the third-party payment institution, thereby improving payment efficiency.

[0077] It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases the steps shown or described may be executed in a different order than that shown here.

[0078] This application also provides a third-party payment device. It should be noted that the third-party payment device in this application can be used to execute the third-party payment method provided in this application. The third-party payment device provided in this application is described below.

[0079] Figure 3 This is a schematic diagram of a third-party payment device according to an embodiment of this application. Figure 3 As shown, the device includes: a first receiving unit 301, a determining unit 302, a judging unit 303, and a first processing unit 304.

[0080] The first receiving unit 301 is used by the target financial institution to receive payment information sent by the first target transaction object. The payment information includes at least: binary data, payment amount and payment currency obtained by the third-party payment program in the mobile terminal of the second target transaction object. The binary data includes at least: the bank card number of the second target transaction object that is homomorphically encrypted.

[0081] The determining unit 302 is used to determine, based on the binary data in the payment information, whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution.

[0082] The judgment unit 303 is used to determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object if the bank card number of the second target transaction object is a bank card issued by the target financial institution.

[0083] The first processing unit 304 is used to deduct the payment amount from the bank card of the second target transaction object and add the payment amount to the bank card of the first target transaction object if the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

[0084] The third-party payment device provided in this application embodiment receives payment information sent by a first target transaction object through a first receiving unit 301, whereby the target financial institution receives payment information. The payment information includes at least: binary data obtained from a third-party payment program in the mobile terminal of the second target transaction object, the payment amount, and the payment currency. The binary data includes at least: the homomorphically encrypted bank card number of the second target transaction object. A determining unit 302 determines, based on the binary data in the payment information, whether the bank card corresponding to the bank card number of the second target transaction object is issued by the target financial institution. A judging unit 303, if the bank card corresponding to the bank card number of the second target transaction object is issued by the target financial institution, determines whether the target financial institution has deduction authority over the bank card of the second target transaction object. A first processing unit 304, if the target financial institution has deduction authority over the bank card of the second target transaction object, deducts the payment amount from the bank card of the second target transaction object based on the payment amount and payment currency, and adds the payment amount to the bank card of the first target transaction object. This solves the problem in related technologies where multiple data exchanges between clearing institutions, banks, and third-party payment institutions are required for payments made through third-party payment programs, resulting in low payment efficiency. When the first and second target parties conduct a transaction through a third-party payment program, the first target party sends payment information to the target financial institution. The target financial institution then determines whether the second target party's bank card was issued by the financial institution. If the second target party's bank card was issued by the financial institution, the financial institution determines whether it has deduction authority over the second target party's bank card. If the financial institution has deduction authority over the second target party's bank card, it directly deducts the payment from the second target party's bank card to complete the transaction between the first and second target parties. This avoids multiple data exchanges between the clearing institution, the bank, and the third-party payment institution, thereby improving payment efficiency.

[0085] Optionally, in the third-party payment device provided in this application embodiment, the determining unit 302 includes: a parsing module, used to parse the binary data in the payment information to obtain the number of the third-party payment institution, the bank card number of the homomorphically encrypted second target transaction object, and the payment account of the second target transaction object in the third-party payment institution; and a first determining module, used to determine whether the bank card of the second target transaction object is a bank card issued by the target financial institution through the bank card number of the homomorphically encrypted second target transaction object.

[0086] Optionally, in the third-party payment device provided in this application embodiment, the judgment unit 303 includes: a judgment module, used to judge whether authorization has been obtained from the third-party payment institution corresponding to the number of the third-party payment institution, so as to determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; and a second determination module, used to determine that if authorization has been obtained from the third-party payment institution, the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

[0087] Optionally, in the third-party payment device provided in this application embodiment, when no authorization from the third-party payment institution is obtained, the device further includes: an initiating unit, used by the target financial institution to initiate an authorization request to the third-party payment institution through a clearing institution, wherein the authorization request includes at least: the number of the first target transaction object, the name of the first target transaction object, the bank card number of the second target transaction object, the payment account of the second target transaction object in the third-party payment institution, the payment amount, and the payment currency; and a second receiving unit, used by the target financial institution to receive the authentication result returned by the clearing institution, wherein the third-party payment institution initiates authorization authentication through the third-party payment program of the mobile terminal of the second target transaction object, obtains the authentication result, and returns the authentication result to the target financial institution through the clearing institution.

[0088] Optionally, in the third-party payment device provided in this application embodiment, the second receiving unit includes: a sending module, used by the third-party payment institution to send a start instruction, wherein the start instruction is used to instruct the third-party payment program of the mobile terminal of the second target transaction object to start authorization authentication; and a receiving module, used by the third-party payment institution to receive the authentication result, wherein the third-party payment program starts authorization authentication according to the start instruction and receives authorization information input by the second target transaction object; authenticates the authorization information to obtain an authentication result, and returns the authentication result to the third-party payment institution.

[0089] Optionally, in the third-party payment device provided in this application embodiment, the device further includes: a generation unit, configured to generate a payment graphic code through the third-party payment program of the mobile terminal of the second target transaction object before the target financial institution receives the payment information sent by the first target transaction object, wherein the payment graphic code includes at least the following information: the number of the third-party payment institution, the bank card number of the second target transaction object through homomorphic encryption, and the payment account of the second target transaction object in the third-party payment program; and an acquisition unit, configured to obtain binary data based on the payment graphic code.

[0090] Optionally, in the third-party payment device provided in this application embodiment, the payment information further includes: the number of the first target transaction object and the name of the first target transaction object. The device further includes: a second processing unit, used to deduct the payment amount from the bank card of the second target transaction object and add the payment amount to the bank card of the first target transaction object according to the payment amount and payment currency, and then send the payment result to the first target transaction object through the target financial institution according to the number of the first target transaction object and the name of the first target transaction object; and a first sending unit, used by the target financial institution to send the payment result to the third-party payment institution through the clearing institution.

[0091] Optionally, in the third-party payment device provided in this application embodiment, the binary data further includes: the payment account of the second target transaction object in the third-party payment institution. The device further includes: a second sending unit, used to send the payment result to the second target transaction object through the target financial institution based on the payment account of the second target transaction object in the third-party payment institution after the target financial institution sends the payment result to the third-party payment institution through the clearing institution.

[0092] The third-party payment device includes a processor and a memory. The first receiving unit 301, determining unit 302, judging unit 303 and first processing unit 304 mentioned above are all stored in the memory as program units. The processor executes the program units stored in the memory to realize the corresponding functions.

[0093] The processor contains a kernel, which retrieves the corresponding program units from memory. One or more kernels can be configured, and third-party payment can be implemented by adjusting kernel parameters.

[0094] The memory may include non-permanent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0095] This invention provides a processor for running a program, wherein the program executes a third-party payment method during runtime.

[0096] like Figure 4As shown, this embodiment of the invention provides an electronic device, which includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, it performs the following steps: A target financial institution receives payment information sent by a first target transaction object, wherein the payment information includes at least: binary data obtained by a third-party payment program in the mobile terminal of a second target transaction object, a payment amount, and a payment currency, and the binary data includes at least: a homomorphically encrypted bank card number of the second target transaction object; based on the binary data in the payment information, it determines whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution; if the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution, it determines whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; if the target financial institution has the authority to deduct fees from the bank card of the second target transaction object, it deducts the payment amount from the bank card of the second target transaction object based on the payment amount and the payment currency, and adds the payment amount to the bank card of the first target transaction object.

[0097] Optionally, determining whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution based on the binary data in the payment information includes: parsing the binary data in the payment information to obtain the number of the third-party payment institution, the homomorphically encrypted bank card number of the second target transaction object, and the payment account of the second target transaction object at the third-party payment institution; and determining whether the bank card of the second target transaction object is a bank card issued by the target financial institution through the homomorphically encrypted bank card number of the second target transaction object.

[0098] Optionally, determining whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object includes: determining whether it has obtained authorization from the third-party payment institution corresponding to the third-party payment institution's number, so as to determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; if it has obtained authorization from the third-party payment institution, then the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

[0099] Optionally, when authorization from a third-party payment institution is not obtained, the method further includes: the target financial institution initiating an authorization request to the third-party payment institution through a clearing institution, wherein the authorization request includes at least: the number of the first target transaction object, the name of the first target transaction object, the bank card number of the second target transaction object, the payment account of the second target transaction object at the third-party payment institution, the payment amount, and the payment currency; the target financial institution receiving the authentication result returned by the clearing institution, wherein the third-party payment institution initiates authorization authentication through the third-party payment program on the mobile terminal of the second target transaction object, obtains the authentication result, and returns the authentication result to the target financial institution through the clearing institution.

[0100] Optionally, the third-party payment institution initiates authorization authentication through the third-party payment program on the mobile terminal of the second target transaction object. The authentication result includes: the third-party payment institution sending a start command, wherein the start command is used to instruct the third-party payment program on the mobile terminal of the second target transaction object to initiate authorization authentication; the third-party payment institution receiving the authentication result, wherein the third-party payment program initiates authorization authentication according to the start command and receives the authorization information input by the second target transaction object; the authorization information is authenticated to obtain the authentication result, and the authentication result is returned to the third-party payment institution.

[0101] Optionally, before the target financial institution receives the payment information sent by the first target transaction party, the method further includes: generating a payment graphic code through a third-party payment program on the mobile terminal of the second target transaction party, wherein the payment graphic code includes at least the following information: the number of the third-party payment institution, the bank card number of the second target transaction party encrypted homomorphically, and the payment account of the second target transaction party in the third-party payment program; and obtaining binary data based on the payment graphic code.

[0102] Optionally, the payment information also includes: the number and name of the first target transaction object. After deducting the payment amount from the bank card of the second target transaction object and adding the payment amount to the bank card of the first target transaction object according to the payment amount and payment currency, the method further includes: sending the payment result to the first target transaction object through the target financial institution according to the number and name of the first target transaction object; and the target financial institution sending the payment result to the third-party payment institution through the clearing institution.

[0103] Optionally, the binary data may also include: the payment account of the second target transaction object at the third-party payment institution. After the target financial institution sends the payment result to the third-party payment institution through the clearing institution, the method may further include: sending the payment result to the second target transaction object through the target financial institution based on the payment account of the second target transaction object at the third-party payment institution.

[0104] The devices mentioned in this article can be servers, PCs, tablets, mobile terminals, etc.

[0105] This application also provides a computer program product, which, when executed on a data processing device, is suitable for executing an initialization program with the following method steps: a target financial institution receives payment information sent by a first target transaction object, wherein the payment information includes at least: binary data obtained by a third-party payment program in the mobile terminal of a second target transaction object, payment amount, and payment currency, and the binary data includes at least: a homomorphically encrypted bank card number of the second target transaction object; based on the binary data in the payment information, it is determined whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution; if the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution, it is determined whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; if the target financial institution has the authority to deduct fees from the bank card of the second target transaction object, the payment amount is deducted from the bank card of the second target transaction object according to the payment amount and payment currency, and the payment amount is added to the bank card of the first target transaction object.

[0106] Optionally, determining whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution based on the binary data in the payment information includes: parsing the binary data in the payment information to obtain the number of the third-party payment institution, the homomorphically encrypted bank card number of the second target transaction object, and the payment account of the second target transaction object at the third-party payment institution; and determining whether the bank card of the second target transaction object is a bank card issued by the target financial institution through the homomorphically encrypted bank card number of the second target transaction object.

[0107] Optionally, determining whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object includes: determining whether it has obtained authorization from the third-party payment institution corresponding to the third-party payment institution's number, so as to determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; if it has obtained authorization from the third-party payment institution, then the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

[0108] Optionally, when authorization from a third-party payment institution is not obtained, the method further includes: the target financial institution initiating an authorization request to the third-party payment institution through a clearing institution, wherein the authorization request includes at least: the number of the first target transaction object, the name of the first target transaction object, the bank card number of the second target transaction object, the payment account of the second target transaction object at the third-party payment institution, the payment amount, and the payment currency; the target financial institution receiving the authentication result returned by the clearing institution, wherein the third-party payment institution initiates authorization authentication through the third-party payment program on the mobile terminal of the second target transaction object, obtains the authentication result, and returns the authentication result to the target financial institution through the clearing institution.

[0109] Optionally, the third-party payment institution initiates authorization authentication through the third-party payment program on the mobile terminal of the second target transaction object. The authentication result includes: the third-party payment institution sending a start command, wherein the start command is used to instruct the third-party payment program on the mobile terminal of the second target transaction object to initiate authorization authentication; the third-party payment institution receiving the authentication result, wherein the third-party payment program initiates authorization authentication according to the start command and receives the authorization information input by the second target transaction object; the authorization information is authenticated to obtain the authentication result, and the authentication result is returned to the third-party payment institution.

[0110] Optionally, before the target financial institution receives the payment information sent by the first target transaction party, the method further includes: generating a payment graphic code through a third-party payment program on the mobile terminal of the second target transaction party, wherein the payment graphic code includes at least the following information: the number of the third-party payment institution, the bank card number of the second target transaction party encrypted homomorphically, and the payment account of the second target transaction party in the third-party payment program; and obtaining binary data based on the payment graphic code.

[0111] Optionally, the payment information may also include: the number and name of the first target transaction object. After deducting the payment amount from the bank card of the second target transaction object and adding the payment amount to the bank card of the first target transaction object according to the payment amount and payment currency, the method may further include: sending the payment result to the first target transaction object through the target financial institution according to the number and name of the first target transaction object; and the target financial institution sending the payment result to the third-party payment institution through the clearing institution.

[0112] Optionally, the binary data may also include: the payment account of the second target transaction object in the third-party payment institution. After the target financial institution sends the payment result to the third-party payment institution through the clearing institution, the method may further include: sending the payment result to the second target transaction object through the target financial institution based on the payment account of the second target transaction object in the third-party payment institution.

[0113] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0114] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart... Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0115] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0116] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0117] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0118] Memory may include non-persistent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, like read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0119] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0120] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element.

[0121] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0122] The above are merely embodiments of this application and are not intended to limit the scope of this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of the claims of this application.

Claims

1. A third-party payment method, characterized in that, include: The target financial institution receives payment information sent by the first target transaction object, wherein the payment information includes at least: binary data obtained by a third-party payment program in the mobile terminal of the second target transaction object, payment amount and payment currency, and the binary data includes at least: the homomorphically encrypted bank card number of the second target transaction object, wherein the bank card used by the first target transaction object is a bank card issued by the target financial institution; Based on the binary data in the payment information, determine whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution; If the bank card number of the second target transaction object corresponds to a bank card issued by the target financial institution, then determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; If the target financial institution has deduction authority over the bank card of the second target transaction object, then based on the payment amount and the payment currency, the payment amount is deducted from the bank card of the second target transaction object, and the payment amount is added to the bank card of the first target transaction object; Determining whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution based on the binary data in the payment information includes: The binary data in the payment information is parsed to obtain the number of the third-party payment institution, the bank card number of the second target transaction object (homomorphically encrypted), and the payment account of the second target transaction object at the third-party payment institution. By using the homomorphically encrypted bank card number of the second target transaction object, it can be determined whether the bank card of the second target transaction object is a bank card issued by the target financial institution; The method further includes the following steps before the target financial institution receives the payment information sent by the first target transaction party: A payment graphic code is generated through a third-party payment program on the mobile terminal of the second target transaction object. The payment graphic code includes at least the following information: the number of the third-party payment institution, the bank card number of the second target transaction object encrypted homomorphically, and the payment account of the second target transaction object in the third-party payment program. The binary data is obtained based on the payment graphic code; The second target transaction object is set to not require authorization from a third-party payment institution for small payments, but requires authorization from a third-party payment institution for amounts exceeding a preset limit.

2. The method according to claim 1, characterized in that, Determining whether the target financial institution has deducting authority from the bank card of the second target transaction object includes: Determine whether authorization has been obtained from the third-party payment institution corresponding to the third-party payment institution's number, in order to determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object; If the third-party payment institution has been authorized, the target financial institution has the authority to deduct fees from the bank card of the second target transaction object.

3. The method according to claim 2, characterized in that, When authorization from the third-party payment institution is not obtained, the method further includes: The target financial institution initiates an authorization request to the third-party payment institution through the clearing institution, wherein the authorization request includes at least: the number of the first target transaction object, the name of the first target transaction object, the bank card number of the second target transaction object, the payment account of the second target transaction object in the third-party payment institution, the payment amount, and the payment currency; The target financial institution receives the authentication result returned by the clearing institution. The third-party payment institution initiates authorization authentication through the third-party payment program of the mobile terminal of the second target transaction object, obtains the authentication result, and returns the authentication result to the target financial institution through the clearing institution.

4. The method according to claim 3, characterized in that, The third-party payment institution initiates authorization authentication through the third-party payment program on the mobile terminal of the second target transaction object, and the authentication result includes: The third-party payment institution sends a start instruction, wherein the start instruction is used to instruct the third-party payment program of the mobile terminal of the second target transaction object to start authorization authentication; The third-party payment institution receives the authentication result, wherein the third-party payment program initiates the authorization authentication according to the start instruction, and receives the authorization information input by the second target transaction object; authenticates the authorization information, obtains the authentication result, and returns the authentication result to the third-party payment institution.

5. The method according to claim 1, characterized in that, The payment information further includes: the ID number and name of the first target transaction object. After deducting the payment amount from the bank card of the second target transaction object and adding the payment amount to the bank card of the first target transaction object based on the payment amount and the payment currency, the method further includes: Based on the number and name of the first target transaction object, the payment result is sent to the first target transaction object through the target financial institution; The target financial institution sends the payment result to the third-party payment institution through a clearing institution.

6. The method according to claim 5, characterized in that, The binary data also includes: the payment account of the second target transaction object at the third-party payment institution; after the target financial institution sends the payment result to the third-party payment institution through a clearing institution, the method further includes: Based on the payment account of the second target transaction object at the third-party payment institution, the payment result is sent to the second target transaction object through the target financial institution.

7. A third-party payment device, characterized in that, include: The first receiving unit is used to receive payment information sent by the first target transaction object from the target financial institution. The payment information includes at least: binary data, payment amount and payment currency obtained by a third-party payment program in the mobile terminal of the second target transaction object. The binary data includes at least: the bank card number of the second target transaction object that is homomorphically encrypted. The bank card used by the first target transaction object is a bank card issued by the target financial institution. The determining unit is used to determine, based on the binary data in the payment information, whether the bank card corresponding to the bank card number of the second target transaction object is a bank card issued by the target financial institution; The judgment unit is used to determine whether the target financial institution has the authority to deduct fees from the bank card of the second target transaction object if the bank card number of the second target transaction object is a bank card issued by the target financial institution. The first processing unit is configured to, if the target financial institution has deduction authority over the bank card of the second target transaction object, deduct the payment amount from the bank card of the second target transaction object according to the payment amount and the payment currency, and add the payment amount to the bank card of the first target transaction object; The determining unit includes: a parsing module, used to parse the binary data in the payment information to obtain the number of the third-party payment institution, the homomorphically encrypted bank card number of the second target transaction object, and the payment account of the second target transaction object in the third-party payment institution; and a first determining module, used to determine whether the bank card of the second target transaction object is a bank card issued by the target financial institution based on the homomorphically encrypted bank card number of the second target transaction object. Before the target financial institution receives the payment information sent by the first target transaction party, the device further includes: The generation unit is used to generate a payment graphic code through a third-party payment program on the mobile terminal of the second target transaction object, wherein the payment graphic code includes at least the following information: the number of the third-party payment institution, the bank card number of the second target transaction object encrypted homomorphically, and the payment account of the second target transaction object in the third-party payment program; The parsing unit is used to obtain the binary data based on the payment graphic code; The second target transaction object is set to not require authorization from a third-party payment institution for small payments, but requires authorization from a third-party payment institution for amounts exceeding a preset limit.

8. A processor, characterized in that, The processor is used to run a program, wherein the program executes the third-party payment method according to any one of claims 1 to 6 when it runs.

9. An electronic device, characterized in that, It includes one or more processors and a memory, the memory being 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 cause the one or more processors to implement the third-party payment method according to any one of claims 1 to 6.

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