A method and apparatus for controlling payment transactions

Abstract

This invention discloses a control method and apparatus for payment services, comprising: a payment service system receiving a bill retrieval request sent by a client; wherein the bill retrieval request includes bill data, service type, and region code; invoking a preset cancellation interface, querying the industry provider from a mapping table based on the region code and service type, and generating a payment bill based on the bill data; wherein the mapping table has preset mapping relationships between region code, service type, and industry provider; the cancellation interface connecting with multiple industry providers; and upon confirming successful payment of the bill, sending a cancellation instruction to the industry providers through the cancellation interface to enable them to perform cancellation operations. This reduces the difficulty and cost of establishing cancellation interfaces in third-party payment platforms, simplifies the integration process for various industry providers, and streamlines the integration process for each industry provider.

Description

Technical Field

[0001] This invention relates to the field of data processing technology, and in particular to a control method and apparatus for payment services. Background Technology

[0002] With the development of internet technology, traditional offline transactions are gradually shifting to online transactions. Online transactions refer to virtual transactions conducted online through third-party payment platforms, such as online bill payments and online shopping.

[0003] For each third-party payment platform, a settlement interface is set up corresponding to the business type. The business type refers to the type of payment transaction, such as personal income tax payment, traffic fine payment, social security payment, and housing provident fund payment. The settlement interface is used by the third-party payment platform to connect with industry stakeholders to perform settlement operations within those stakeholders. A settlement operation refers to the settlement of transactions within the industry stakeholders, such as settling traffic fines at the transportation bureau.

[0004] However, the diverse types of industry players result in a large number of corresponding reimbursement interfaces and integration interfaces on various third-party payment platforms. This leads to complex and costly maintenance of the reimbursement interfaces on third-party payment platforms. Furthermore, the process for industry players to integrate with the reimbursement interfaces of third-party payment platforms is complex and challenging. Summary of the Invention

[0005] This invention provides a method and apparatus for controlling payment services. It aggregates payment transactions from various industry stakeholders by setting up a settlement interface between them in the payment service system and aggregates payment bills from various third-party payment platforms by using payment QR codes. This achieves the aggregation of settlement operations between third-party payment platforms and industry stakeholders, reduces the number of settlement interfaces set up in third-party payment platforms, lowers the difficulty and cost of establishing settlement interfaces in third-party payment platforms, and also reduces the difficulty and cost of maintaining settlement interfaces in third-party payment platforms.

[0006] In a first aspect, embodiments of the present invention provide a method for controlling payment transactions, which is applied to a payment transaction system; including: The payment system receives a bill retrieval request sent by the client; the bill retrieval request includes bill data, service type, and region code; The payment system calls a pre-defined settlement interface, retrieves the industry provider from the mapping table based on the region code and the business type, and generates a payment bill based on the bill data; the mapping table has a pre-defined mapping relationship between region code, business type and industry provider; the settlement interface is connected to multiple industry providers. When the payment system confirms that the payment bill has been successfully paid, it sends a cancellation instruction to the industry party through the cancellation interface, so that the industry party can perform the cancellation operation.

[0007] In the above technical solution, the payment system has pre-set settlement interfaces with various industry partners. When a user makes a payment transaction, they can use the settlement interface to query the relevant industry partner from a pre-set mapping table. In other words, each industry partner connects to the payment system, thereby enabling the payment system to aggregate various industry partners. This eliminates the need for a separate settlement interface in the third-party payment platform, reducing the difficulty and cost of establishing and maintaining settlement interfaces within the platform.

[0008] In addition, each industry segment connects to the payment system through one or more settlement interfaces, achieving aggregated integration across all sectors. Therefore, when industry segments query the payment status of transactions, they directly connect to the payment system, rather than individual third-party payment platforms, thus reducing the integration process and simplifying the integration process for each sector.

[0009] Optionally, the bill retrieval request is generated by the client based on the payment QR code; the payment QR code includes the service type, encryption algorithm type, encryption key index, encrypted data, region code, signature algorithm, and signature; The payment QR code is generated by the third-party payment platform by concatenating the business type, the encryption algorithm type, the encryption key index, the encrypted data, the region code, the signature algorithm, and the signature according to preset specifications.

[0010] In the above technical solution, transactions created by various third-party payment platforms are aggregated through payment QR codes. For example, users can use different clients to create payment transactions by scanning payment QR codes. When a user makes a payment transaction, the system can retrieve the relevant industry provider from a pre-defined mapping table based on the user's payment QR code. In other words, there is a one-to-one correspondence between payment QR codes and industry providers, thereby aggregating the settlement operations between third-party payment platforms and various industry providers.

[0011] Optionally, after the payment system receives the bill retrieval request sent by the client, it further includes: The payment system parses the payment QR code in the bill retrieval request to obtain payment information; the payment information includes bill data, service type, and region code.

[0012] Optionally, the payment system parses the payment QR code to obtain payment information, including: The payment system verifies the signature in the payment QR code based on the signature algorithm in the payment QR code; After confirming that the signature verification is successful, the payment system determines the decryption key based on the encryption algorithm type and encryption key index in the payment QR code. The payment system decrypts the encrypted data in the payment QR code using the decryption key to obtain the bill data; The payment system uses the bill data and the service type and region code in the payment QR code as payment information.

[0013] In the above technical solution, the business type and region code of the payment QR code are used to index the settlement interface, thereby enabling the payment system to connect with the corresponding industry party of the settlement interface. The business type and region code also indicate the region and business type of the payment transaction (such as traffic fine payment, personal income tax payment, etc.). Bill data generally includes information such as transaction amount and transaction number, used to complete the payment transaction. In summary, by using bill data, business type, and region code as payment information, the payment system can realize payment and settlement operations for bills, eliminating the need for settlement operations to be performed by the third-party payment platform. This reduces the need for settlement interfaces on third-party payment platforms, lowering the difficulty and cost of establishing and maintaining these interfaces.

[0014] Optionally, before querying the industry provider from the mapping table based on the region code and the business type, the method further includes: When the payment system determines that there is preset processing logic based on the region code and the service type, it modifies the bill data based on the processing logic. Generate a payment bill based on the billing data, including: If the payment system determines that the type of the payment bill is direct payment based on the business type, then it generates a payment bill based on the modified bill data. If the payment system determines that the payment bill type is a query type based on the business type, it sends a query request to the industry party and receives the payment bill returned by the industry party based on the query request; the query request includes the modified bill data.

[0015] In the above technical solutions, the specific procedures for reimbursement operations vary depending on the region or type of industry. Therefore, pre-processing logic is used to preprocess the billing data to improve the flexibility and accuracy of the reimbursement operation.

[0016] Optionally, before confirming that the payment bill has been successfully paid, the payment system further includes: The payment system sends the payment bill to the client and receives payment instructions from the client based on the payment bill. The payment system responds to the payment instruction and performs a payment operation based on the payment bill.

[0017] Optionally, the method further includes: The payment system receives a result request from a third-party payment platform; the result request includes a bill identifier. The payment system queries the payment result of the payment bill corresponding to the bill identifier based on the bill identifier; the payment result includes payment result and settlement result; The payment system will send the payment result and the settlement result back to the third-party payment platform.

[0018] Currently, payment results and settlement interfaces are sent to the client and are not recorded on the third-party payment platform. Therefore, the third-party payment platform does not have the ability to query the payment results and settlement results of a specific bill.

[0019] In the above technical solution, the payment system records the payment results and settlement results, so that the third-party payment platform can query the payment results and settlement results of a certain payment bill from the payment system.

[0020] Secondly, embodiments of the present invention provide a control device for payment services, comprising: The acquisition module is used to acquire bill acquisition requests sent by the client; the bill acquisition request includes bill data, service type and region code; The processing module is used to call a preset settlement interface, query the industry provider from the mapping table according to the region code and the business type, and generate a payment bill based on the bill data; the mapping table has a preset mapping relationship between region code, business type and industry provider; the settlement interface is connected to multiple industry providers; Upon confirming successful payment of the bill, a cancellation instruction is sent to the industry party through the cancellation interface, so that the industry party can perform the cancellation operation.

[0021] Optionally, the bill retrieval request is generated by the client based on the payment QR code; the payment QR code includes the service type, encryption algorithm type, encryption key index, encrypted data, region code, signature algorithm, and signature; The payment QR code is generated by the third-party payment platform by concatenating the business type, the encryption algorithm type, the encryption key index, the encrypted data, the region code, the signature algorithm, and the signature according to preset specifications.

[0022] Optionally, the processing module is further configured to: After receiving the bill retrieval request sent by the client, the payment QR code in the bill retrieval request is parsed to obtain the payment information; the payment information includes bill data, service type and region code.

[0023] Optionally, the processing module is specifically used for: The signature in the payment QR code is verified according to the signature algorithm in the payment QR code; After confirming that the signature verification is successful, the decryption key is determined based on the encryption algorithm type and encryption key index in the payment QR code; The encrypted data in the payment QR code is decrypted using the decryption key to obtain the bill data; The billing data and the service type and region code in the payment QR code are used as payment information.

[0024] Optionally, the processing module is further configured to: Before querying the industry provider from the mapping table based on the region code and the business type, if a preset processing logic is determined based on the region code and the business type, the bill data is modified based on the processing logic. The processing module is specifically used for: If the type of the payment bill is determined to be direct payment based on the business type, then a payment bill is generated based on the modified bill data; If the payment bill type is determined to be a payment inquiry type based on the business type, a query request is sent to the industry party, and the payment bill returned by the industry party based on the query request is received; the query request includes the modified bill data.

[0025] Optionally, the processing module is further configured to: Before confirming successful payment of the bill, the bill is sent to the client, and the client sends a payment instruction based on the bill. In response to the payment instruction, a payment operation is performed based on the payment bill.

[0026] Optionally, the processing module is further configured to: Receive a result request sent by a third-party payment platform; the result request includes a bill identifier; The payment result is retrieved based on the bill identifier to determine the payment result of the corresponding bill; the payment result includes the payment result and the cancellation result. The payment result and the settlement result are fed back to the third-party payment platform.

[0027] Thirdly, embodiments of the present invention also provide a computer device, comprising: Memory, used to store program instructions; The processor is used to call the program instructions stored in the memory and execute the control method for the above-mentioned payment service according to the obtained program.

[0028] Fourthly, embodiments of the present invention also provide a computer-readable storage medium storing computer-executable instructions for causing a computer to perform the aforementioned control method for payment services. Attached Figure Description

[0029] To more clearly illustrate the technical solutions in the embodiments of the present invention, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0030] Figure 1 A schematic diagram of a system architecture provided for an embodiment of the present invention; Figure 2 A flowchart illustrating a payment service control method provided in an embodiment of the present invention; Figure 3 A flowchart illustrating a payment service control method provided in an embodiment of the present invention; Figure 4 This is a schematic diagram of a control device for a payment service provided in an embodiment of the present invention. Detailed Implementation

[0031] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this invention, and not all of them. Based on the embodiments of this invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this invention.

[0032] To better illustrate the technical solution of this invention, some terms are explained below.

[0033] Industry stakeholders: refers to the party that handles government affairs, such as the transportation bureau and the social security bureau.

[0034] Online transactions refer to virtual transactions conducted online. Examples include purchasing train or plane tickets online; paying electricity, water, gas, and telephone bills online; paying traffic fines and personal income tax online; and ordering food and shopping online.

[0035] Account cancellation process: This refers to the process where, after confirming successful payment for a bill, the service provider obtains the transaction amount paid by the user and then changes the user's account cancellation status from "not cancelled" to "successfully cancelled." For example, if the bill is a user's personal income tax bill, after the user successfully pays the bill, the service provider responsible for collecting personal income tax obtains the amount of personal income tax paid by the user. Upon successful acquisition, the user's personal income tax payment status is changed from "not cancelled" to "successfully cancelled."

[0036] Payment operation: refers to deducting the transaction amount from the user's online banking account and sending the transaction amount to the corresponding payee (such as online merchants, industry partners, etc.).

[0037] Aggregated QR codes: These are codes that support multiple third-party payment platforms (such as...). pay, letter, QR codes for payment (e.g., Alipay, etc.).

[0038] In some feasible methods, payment services include industry-specific bill settlement services. These include, but are not limited to, the following payment services: social security contributions, tax payments, government payments, and utility bill payments (water, electricity, gas, etc.).

[0039] The industry entities involved in payment services include, but are not limited to, the following: tax bureaus, finance bureaus, and the General Administration of Customs.

[0040] Currently, when users make payments online, they typically scan a QR code using a client on their mobile device to initiate a payment transaction. The user then pays the transaction amount through a third-party payment platform. This third-party payment platform corresponds to the client application.

[0041] After payment is confirmed, the third-party payment platform calls the settlement interface to complete the settlement operation for the payment transaction. The settlement interface is established by the third-party payment platform based on the type of industry. For example, the settlement interface for the tax bureau is s1, for the finance bureau it is s2, and for the transportation bureau it is s3, etc.

[0042] In some feasible approaches, the accounting settlement interface varies for the same type of tax bureau in different regions. For example, the accounting settlement interface for the tax bureau in Shanghai is S11, while that for the tax bureau in Beijing is S12, and so on.

[0043] In other words, the number of reimbursement interfaces set up on third-party payment platforms varies greatly depending on the region and business type, resulting in complex and costly maintenance of these interfaces. Furthermore, the process for industry partners to connect to the reimbursement interfaces of third-party payment platforms is complex and difficult to implement.

[0044] Therefore, there is an urgent need for a control method for payment transactions that reduces the number of separate payment settlement interfaces, aggregates payment settlement operations from various industries, reduces the number of payment settlement interfaces on third-party payment platforms, lowers the difficulty and cost of establishing and maintaining these interfaces, and streamlines the integration process between various industries and third-party payment platforms.

[0045] Figure 1 An exemplary system architecture applicable to an embodiment of the present invention is shown. The system architecture includes a server 100, which may include a processor 110, a communication interface 120, and a memory 130.

[0046] The communication interface 120 is used to establish a communication connection with a third-party payment platform.

[0047] The processor 110 is the control center of the server 100, connecting various parts of the server 100 through various interfaces and routes. It performs various functions and processes data by running or executing software programs and / or modules stored in the memory 130, and by calling data stored in the memory 130. Optionally, the processor 110 may include one or more processing units.

[0048] The memory 130 can be used to store software programs and modules. The processor 110 executes various functional applications and data processing by running the software programs and modules stored in the memory 130. The memory 130 may mainly include a program storage area and a data storage area. The program storage area may store the operating system, at least one application program required for a function, etc.; the data storage area may store data created according to business processing, etc. In addition, the memory 130 may include high-speed random access memory, and may also include non-volatile memory, such as at least one disk storage device, flash memory device, or other volatile solid-state storage device.

[0049] It should be noted that the above Figure 1 The structure shown is merely an example, and the embodiments of the present invention are not limited thereto.

[0050] Based on the above description Figure 2 An exemplary flowchart of a payment service control method provided by an embodiment of the present invention is shown, which can be executed by a payment service control device.

[0051] like Figure 2 As shown, the process specifically includes: Step 210: The payment system receives the bill retrieval request sent by the client.

[0052] The bill retrieval request is generated by the client based on the payment QR code; the payment QR code is created by the third-party payment platform. The third-party payment platform acts as the server, and the client refers to the APP (application software) installed on the mobile terminal.

[0053] In one feasible approach, the payment QR code is a type of aggregated QR code. The payment QR code includes the following information: service type, encryption algorithm type, encryption key index, encrypted data, region code, signature algorithm, and signature. Therefore, the bill retrieval request includes the bill data, service type, and region code. Users can use a client to scan the payment QR code to trigger the bill retrieval request and obtain the payment bill.

[0054] Step 220: The payment system calls the preset cancellation interface, queries the industry provider from the mapping table according to the region code and the business type, and generates a payment bill based on the bill data.

[0055] The mapping table has a pre-defined mapping relationship between region code, business type and industry; the reimbursement interface connects with multiple industry parties.

[0056] In other words, each payment QR code corresponds to a specific industry. For any payment QR code, any bill retrieval request generated through that QR code can be indexed to the corresponding industry. Therefore, the payment bill generated through the bill retrieval request is used to perform a cancellation operation within that industry.

[0057] Step 230: When the payment system determines that the payment bill has been successfully paid, it sends a cancellation instruction to the industry party through the cancellation interface so that the industry party can perform the cancellation operation.

[0058] In step 210, the payment QR code is generated by the third-party payment platform by concatenating the business type, encryption algorithm type, encryption key index, encryption data, region code, signature algorithm and signature according to preset specifications.

[0059] The preset specifications can be such as field order, concatenation method, etc., and are not specifically limited here. For example, the payment QR code can be obtained by concatenating the fields according to the order of business type, encryption algorithm type, encryption key index, encrypted data, region code, signature algorithm, and signature.

[0060] Business type, encryption algorithm type, encryption key index, encrypted data, region code, signature algorithm and signature are fields, and their corresponding descriptions are shown in Table 1 below.

[0061] Table 1

[0062] The serial number indicates the order of the fields when concatenating the payment QR code; the key indicates the key of each field and describes the order of the fields when concatenating the payment QR code.

[0063] In some feasible methods, the fields are concatenated based on the alphabetical order of the key values; as shown in the following format for a payment QR code: tips: / / bt=BussinessType&ea=EncryptAlgorithm&ek=EncryptKey&ed=EncryptData&ck=CityKey &sa=SignAlgorithm&sn=Signature.

[0064] Among them, tips represents the payment QR code; BusinessType represents the business type; EncryptAlgorithm represents the encryption algorithm type; EncryptKey represents the encryption key index; EncryptData represents the encrypted data; CityKey represents the region code; SignAlgorithm represents the signature algorithm; and Signature represents the signature.

[0065] Business types include, but are not limited to: individual income tax payment, traffic fine payment, social security payment, etc.

[0066] Encryption algorithm types include, but are not limited to: symmetric encryption, asymmetric encryption, homomorphic encryption, etc.

[0067] The encryption key index is used by the payment system to index the private key used to decrypt encrypted data.

[0068] Encrypted data is obtained by a third-party payment platform encrypting bill data using a preset encryption algorithm (one or more encryption algorithm types combined).

[0069] The area code indicates the region where the payment service is located. For example, area code 001 represents Shanghai, and 002 represents Beijing, etc.

[0070] Signature algorithms include, but are not limited to: RSA algorithm, DSA algorithm, ECDSA algorithm, etc.

[0071] A signature is obtained by calculating the "business type, encryption algorithm type, encryption key index, encrypted data, region code, and signature algorithm" using a signature algorithm. For example, a signature has the following format: Signature: / / bt=BussinessType&ck=CityKey&ea=EncryptAlgorithm&ed=EncryptData&ek=EncryptKey&sa=SignAlgorithm.

[0072] In some feasible implementations, the client can generate a bill retrieval request using its own provided SCHEMA method. In other feasible implementations, the client generates a bill retrieval request after scanning the payment QR code.

[0073] The bill retrieval request includes a payment QR code. For example, the bill retrieval request is obtained by concatenating a preset request message and the payment QR code. After generating the bill retrieval request, the client sends it to the payment service system.

[0074] Based on the above description, after receiving the bill retrieval request, the payment system obtains the payment QR code from the bill retrieval request. The payment QR code is then parsed.

[0075] When parsing a payment QR code, the payment system first verifies the signature. Specifically, it verifies the signature in the payment QR code based on the signature algorithm used in the QR code.

[0076] When the payment system verifies that the signature of the payment QR code has passed verification, it indicates that the payment QR code is valid, ensuring its legality and accuracy. Then, based on the encryption algorithm type in the payment QR code, it determines the encryption algorithm used to encrypt the billing data, and finally retrieves the decryption key from that encryption algorithm using the encryption key index.

[0077] Finally, the payment system decrypts the encrypted data in the payment QR code using the decryption key to obtain the bill data. The service type, region code, and decrypted bill data from the payment QR code are then used as the payment information.

[0078] In step 220, after the payment system parses the payment information, it queries the preset mapping table based on the business type and region code in the payment information to find the industry party that needs to perform the cancellation operation for the payment QR code.

[0079] For example, the preset mapping table is shown in Table 2 below.

[0080] Table 2

[0081] In this context, y1 represents social security payment services, y2 represents traffic fine payment services; 001 represents Shanghai, 002 represents Beijing; h11 represents the Shanghai Social Security Bureau, h12 represents the Shanghai Transportation Bureau, h21 represents the Beijing Social Security Bureau, and h22 represents the Beijing Transportation Bureau.

[0082] In some feasible approaches, two industry players of the same type may be included in the same region.

[0083] In other feasible approaches, a particular type of payment service might be handled by different industry stakeholders. For example, social security payment services in Guangdong might be handled by industry stakeholder A in Guangdong, or by industry stakeholder B in Guangdong.

[0084] Therefore, before querying the industry, the payment system will determine the pre-set processing logic based on the region code and business type, and then modify the bill data based on the processing logic.

[0085] The processing logic is used to locate the corresponding industry party to perform the cancellation operation in certain special regions. Specifically, through preset processing logic, parameters in the billing data are deleted, added, or modified. After generating the payment transaction based on the modified billing data, the system indexes the corresponding industry party, improving the accuracy of the cancellation operation.

[0086] In some embodiments, payment transactions include two types: direct payment and inquiry payment. Direct payment indicates that the transaction amount is known and fixed, so a payment invoice can be directly generated based on the billing data. Inquiry payment indicates that the transaction amount is unknown and needs to be retrieved from the industry entity performing the cancellation operation. Therefore, the payment system needs to generate a query request based on the billing data and then send the query request to the industry entity retrieved in the above technical solution.

[0087] After receiving the query request, the industry provider retrieves the transaction amount to be paid based on the billing data in the query request, then combines the billing data to generate a payment bill, and finally sends the generated payment bill to the payment business system.

[0088] In step 230, the payment system will send the received payment bill to the client for the user to make the payment, thereby determining whether the payment bill has been successfully paid.

[0089] Specifically, the payment system sends the payment bill to the client and receives the payment instruction from the client based on the payment bill; in response to the payment instruction, the payment system executes the payment operation based on the payment bill.

[0090] For example, the client interface displays a payment bill. The user selects a payment method based on the bill, enters their payment password, and clicks the "Confirm Payment" button, triggering the payment instruction. After receiving the payment instruction, the payment system deducts the transaction amount from the user's account using the selected payment method, thus completing the payment operation and achieving a successful payment. After completing the payment operation, the payment system returns the payment result (e.g., payment successful or payment failed) to the client.

[0091] After confirming the successful completion of the payment for the canceled bill, the payment system initiates the cancellation process. For example, it sends the transaction amount deducted from the user's account to the relevant service provider, and then sends a payment instruction to the service provider. Upon receiving the payment instruction, the service provider updates the payment status of the user's bill to "paid," indicating successful cancellation. After executing the cancellation process, the payment system returns the cancellation result (e.g., cancellation successful or cancellation failed) to the client.

[0092] In one feasible approach, both payment and settlement results for the bill are sent to the client, not to the third-party payment platform. After receiving the payment and settlement results, the client determines, based on the user's instructions, whether to send the results back to the third-party payment platform. For example, after receiving the results, the client provides two selection controls: "Complete" and "Close." If the user clicks "Complete," the results are sent back to the third-party payment platform; if the user clicks "Close," the results are not sent back.

[0093] In the embodiments of the invention, the payment service system stores the payment results and settlement results of payment transactions, thus enabling third-party payment platforms to query the payment results and settlement results of payment transactions in the payment service system.

[0094] Specifically, the payment system receives a result request from the third-party payment platform. This result request includes a bill identifier, which is unique; for example, the bill identifier is 345. 765.

[0095] Then, the payment system queries the payment results and settlement results of the corresponding payment bill based on the bill identifier.

[0096] Finally, the payment system sends the payment and settlement results back to the third-party payment platform. This allows the third-party payment platform to query the payment and settlement results of payment transactions within the payment system.

[0097] To better illustrate the above technical solution, Figure 3An exemplary flowchart illustrates a control method for a payment service, such as... Figure 3 As shown, the process is as follows: Step 301: Generate payment QR code.

[0098] According to preset specifications, the third-party payment platform sequentially concatenates the business type y1, symmetric encryption algorithm, encryption key index r1, encrypted data m, region code 001, RSA signature algorithm, and signature q to obtain a payment QR code. This indicates that a payment operation is required for social security contributions in Shanghai.

[0099] Step 302: Receive the payment QR code.

[0100] Users scan the payment QR code using the client software. The system then uses the user's identification information (such as ID card number, phone number, etc.) to construct the payment QR code, generate a bill retrieval request, and send the bill retrieval request to the payment business system.

[0101] Step 303: Parse the payment QR code.

[0102] The payment system receives a bill retrieval request and parses the payment QR code in the request to extract the service type, region code, and bill data.

[0103] Step 304: Determine if logical processing is required; if yes, proceed to step 305; otherwise, proceed to step 306.

[0104] The payment system determines whether bill data needs to be modified based on the parsed service type and region code.

[0105] Step 305: Perform logical processing.

[0106] Add, delete, and / or modify parameters in billing data to ensure the accuracy of retrieving the industry parties that performed the write-off operation.

[0107] Step 306: Generate a payment bill based on the bill data.

[0108] Payment transactions include the following two types: direct payment transactions and payment inquiry transactions.

[0109] Because the business type is social security payment, the current payment transaction is identified as a payment inquiry transaction, requiring the industry party to query the amount due. Therefore, the payment system sends the billing data to the industry party performing the cancellation operation, which then generates the payment invoice.

[0110] Step 307: Store billing information.

[0111] The payment system receives payment bills from industry providers, stores the bills, and generates transaction invoices based on them.

[0112] In some feasible approaches, the transaction bill is used for user payment operations, and therefore may not include all parameters in the payment bill, thereby improving process communication efficiency.

[0113] Step 308: Receive transaction invoice.

[0114] Step 309: User pays the fee.

[0115] After receiving the transaction statement, the user selects based on the statement. Payment can be made via Alipay. After the user enters their payment password and triggers the payment instruction, the instruction is sent to the payment system.

[0116] Step 310: Link billing information.

[0117] After receiving the payment instruction, the payment system associates the parameters of the payment bill with the parameters of the transaction bill and completes the parameters of the transaction bill.

[0118] Step 311: Determine if logical processing is required; if yes, proceed to step 312; otherwise, proceed to step 313.

[0119] The payment system determines whether the preset processing logic has been triggered based on the parameters of the transaction bill.

[0120] Step 312: Perform logical processing.

[0121] Add, delete, and / or modify parameters for transaction bills to ensure the accuracy of the payment process.

[0122] Step 313: Initiate the payment process.

[0123] After confirming that the payment password is correct, the payment system will process the payment from the user's account. The transaction amount will be deducted from the account to complete the payment. The deducted transaction amount will then be sent to the industry partner to complete the settlement process.

[0124] Step 314: Confirm payment result.

[0125] The payment system will confirm the payment and settlement results for this payment transaction and send these results to the client.

[0126] Step 315: Receive payment results.

[0127] In some embodiments, based on the above Figure 3 As shown, the following processes are also included: Step 320: Initiate a query request.

[0128] The third-party payment platform sent a query request to the payment system based on transaction bill number 0465. Generated by 781.

[0129] Step 321: Query and receive feedback on the payment result.

[0130] The payment system uses bill number 0465 781 retrieves the corresponding payment transaction, as well as the payment and settlement results for that transaction, and then sends the confirmed payment and settlement results for that transaction to the third-party payment platform.

[0131] As shown in the above technical solution, transactions created by various third-party payment platforms are aggregated through payment QR codes. The payment system and each industry party have pre-set corresponding settlement interfaces, which aggregate transactions from all parties and unify the settlement interface connections. Because the settlement interface is located in the payment system, there is no need to set up settlement interfaces in the third-party payment platforms, thus reducing the difficulty and cost of establishing and maintaining settlement interfaces in the third-party payment platforms.

[0132] In addition, by establishing a one-to-one correspondence between the payment QR code and the industry, there is no need to set up a one-to-one settlement interface for each industry. Multiple industry entities can be connected through a single settlement interface, thereby achieving aggregated connection for each industry entity, reducing the connection process for each industry entity, and simplifying the connection difficulty for each industry entity.

[0133] Based on the same technological concept Figure 4 An exemplary schematic diagram of a control device for payment services provided in an embodiment of the present invention is shown. This device can execute the flow of a control method for payment services.

[0134] like Figure 4 As shown, the device specifically includes: The acquisition module 410 is used to acquire a bill acquisition request sent by the client; the bill acquisition request includes bill data, service type and region code; The processing module 420 is used to call a preset settlement interface, query the industry provider from the mapping table according to the region code and the business type, and generate a payment bill according to the bill data; the mapping table has a preset mapping relationship between region code, business type and industry provider; the settlement interface is connected to multiple industry providers; Upon confirming successful payment of the bill, a cancellation instruction is sent to the industry party through the cancellation interface, so that the industry party can perform the cancellation operation.

[0135] Optionally, the bill retrieval request is generated by the client based on the payment QR code; the payment QR code includes the service type, encryption algorithm type, encryption key index, encrypted data, region code, signature algorithm, and signature; The payment QR code is generated by the third-party payment platform by concatenating the business type, the encryption algorithm type, the encryption key index, the encrypted data, the region code, the signature algorithm, and the signature according to preset specifications.

[0136] Optionally, the processing module 420 is further configured to: After receiving the bill retrieval request sent by the client, the payment QR code in the bill retrieval request is parsed to obtain the payment information; the payment information includes bill data, service type and region code.

[0137] Optionally, the processing module 420 is specifically used for: The signature in the payment QR code is verified according to the signature algorithm in the payment QR code; After confirming that the signature verification is successful, the decryption key is determined based on the encryption algorithm type and encryption key index in the payment QR code; The encrypted data in the payment QR code is decrypted using the decryption key to obtain the bill data; The billing data and the service type and region code in the payment QR code are used as payment information.

[0138] Optionally, the processing module 420 is further configured to: Before querying the industry provider from the mapping table based on the region code and the business type, if a preset processing logic is determined based on the region code and the business type, the bill data is modified based on the processing logic. The processing module 420 is specifically used for: If the type of the payment bill is determined to be direct payment based on the business type, then a payment bill is generated based on the modified bill data; If the payment bill type is determined to be a payment inquiry type based on the business type, a query request is sent to the industry party, and the payment bill returned by the industry party based on the query request is received; the query request includes the modified bill data.

[0139] Optionally, the processing module 420 is further configured to: Before confirming successful payment of the bill, the bill is sent to the client, and the client sends a payment instruction based on the bill. In response to the payment instruction, a payment operation is performed based on the payment bill.

[0140] Optionally, the processing module 420 is further configured to: Receive a result request sent by a third-party payment platform; the result request includes a bill identifier; The payment result is retrieved based on the bill identifier to determine the payment result of the corresponding bill; the payment result includes the payment result and the cancellation result. The payment result and the settlement result are fed back to the third-party payment platform.

[0141] Based on the same technical concept, embodiments of the present invention also provide a computer device, including: Memory, used to store program instructions; The processor is used to call the program instructions stored in the memory and execute the control method for the above-mentioned payment service according to the obtained program.

[0142] Based on the same technical concept, embodiments of the present invention also provide a computer-readable storage medium storing computer-executable instructions for causing a computer to perform the control method for the above-mentioned payment service.

[0143] 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.

[0144] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to this application. It should 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 illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0145] 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.

[0146] 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.

[0147] Obviously, those skilled in the art can make various modifications and variations to this application without departing from the spirit and scope of this application. Therefore, if such modifications and variations fall within the scope of the claims of this application and their equivalents, this application also intends to include such modifications and variations.

Claims

1. A method for controlling payment transactions, characterized in that, The method is applied to a payment system; including: The payment system receives a bill retrieval request sent by the client, and the bill retrieval request is used to obtain the payment bill. The payment system parses the payment QR code in the bill retrieval request to obtain payment information; the payment information includes bill data, service type, and region code. The payment system calls a pre-defined settlement interface, retrieves the industry provider from the mapping table based on the region code and the business type, and generates a payment bill based on the bill data; the mapping table has a pre-defined mapping relationship between region code, business type and industry provider; the settlement interface is connected to multiple industry providers. When the payment system confirms that the payment bill has been successfully paid, it sends a cancellation instruction to the industry party through the cancellation interface, so that the industry party can perform the cancellation operation.

2. The method as described in claim 1, characterized in that, The bill retrieval request is generated by the client based on the payment QR code; the payment QR code includes the service type, encryption algorithm type, encryption key index, encrypted data, region code, signature algorithm, and signature; The payment QR code is generated by a third-party payment platform by concatenating the business type, the encryption algorithm type, the encryption key index, the encrypted data, the region code, the signature algorithm, and the signature according to preset specifications.

3. The method as described in claim 1, characterized in that, The payment system parses the payment QR code to obtain payment information, including: The payment system verifies the signature in the payment QR code based on the signature algorithm in the payment QR code; After confirming that the signature verification is successful, the payment system determines the decryption key based on the encryption algorithm type and encryption key index in the payment QR code. The payment system decrypts the encrypted data in the payment QR code using the decryption key to obtain the bill data; The payment system uses the bill data and the service type and region code in the payment QR code as payment information.

4. The method as described in claim 1, characterized in that, Before retrieving the industry provider from the mapping table based on the region code and the business type, the process also includes: When the payment system determines that there is preset processing logic based on the region code and the service type, it modifies the bill data based on the processing logic. Generate a payment bill based on the billing data, including: If the payment system determines that the type of the payment bill is direct payment based on the business type, then it generates a payment bill based on the modified bill data. If the payment system determines that the payment bill type is a query type based on the business type, it sends a query request to the industry party and receives the payment bill returned by the industry party based on the query request; the query request includes the modified bill data.

5. The method as described in claim 1, characterized in that, Before confirming successful payment of the bill, the payment system also includes: The payment system sends the payment bill to the client and receives payment instructions from the client based on the payment bill. The payment system responds to the payment instruction and performs a payment operation based on the payment bill.

6. The method according to any one of claims 1 to 5, characterized in that, The method further includes: The payment system receives a result request from a third-party payment platform; the result request includes a bill identifier. The payment system queries the payment result of the payment bill corresponding to the bill identifier based on the bill identifier; the payment result includes payment result and account cancellation result; The payment system will send the payment result and the settlement result back to the third-party payment platform.

7. A control device for payment processing, characterized in that, include: The acquisition module is used to acquire bill acquisition requests sent by the client, and the bill acquisition requests are used to obtain payment bills; The payment QR code in the bill retrieval request is parsed to obtain payment information; the payment information includes bill data, service type, and region code. The processing module is used to call a preset settlement interface, query the industry provider from the mapping table according to the region code and the business type, and generate a payment bill based on the bill data; the mapping table has a preset mapping relationship between region code, business type and industry provider; the settlement interface is connected to multiple industry providers; Upon confirming successful payment of the bill, a cancellation instruction is sent to the industry party through the cancellation interface, so that the industry party can perform the cancellation operation.

8. A computer device, characterized in that, include: Memory, used to store program instructions; A processor is configured to invoke program instructions stored in the memory and execute the method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions for causing a computer to perform the method according to any one of claims 1 to 6.

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