A 5G message-based application external payment method and device

Abstract

The application provides a 5G message-based application external payment method and device, a 5G message application background applies to a 5G message payment platform to generate a payment order, the 5G message payment platform applies to a payment system to generate a payment order, and returns a payment link to the 5G message application background, a user clicks the payment link in the 5G message application, jumps to a 5G message payment platform payment page, and the payment page calls a payment application and completes payment. The advantage is that a 5G message payment platform is added, a variety of payment methods are aggregated, a unified interface is provided for a merchant chatbot chat robot, a merchant access process is simplified, and user payment experience is improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of communication, in particular to a 5G message-based application external payment method and device. BACKGROUND

[0002] 5G message is an upgrade of traditional short message, providing message service with multimedia and interactive capabilities. At present, when using 5G message for payment, it is often through the third-party payment APP to make payment. Since the third-party payment APP lacks unified interface specification, the interfaces provided by different third-party payment APP service providers are different, which greatly increases the access cost of the merchant.

[0003] Specifically, the method implemented by the prior art is: when the third-party payment APP is started to make payment, the merchant first pushes the payment link of different payment APPs to the user through the chatbot (chatbot), and displays it to the user (payer) in the form of a card. The user selects the payment method through the card, the 5G message application opens the webpage, and the webpage jumps to start the third-party payment webpage or APP to complete the payment.

[0004] It can be seen that the payment process in the prior art encounters the problem that the way of the merchant accessing the third-party payment APP is not unified. Therefore, how to provide a 5G message-based application external payment method that can unify the interface has become a problem to be solved. SUMMARY

[0005] The present application provides a 5G message-based application external payment method, and adds a 5G message payment platform to solve the problem that the way of the merchant accessing the third-party payment APP is not unified when making payment through the 5G message in the prior art.

[0006] In order to achieve the above purpose, the technical scheme of the present application provides a 5G message-based application external payment method, comprising:

[0007] The 5G message application background receives the request payment order information sent from the client 5G message application, and sends the request payment order information to the 5G message payment platform;

[0008] The 5G message payment platform performs data processing on the items in the request payment order information, and feeds back the payment prompt information obtained after data processing to the 5G message application background;

[0009] After the client selects a payment method according to the received payment prompt information, the 5G message application background sends a payment order request message to the 5G message payment platform, the 5G message payment platform reorganizes the payment order request message according to the interface specification of the payment system, and the reorganized payment order request message is sent to the payment system to initiate a user payment process. After the user payment is completed, the payment system synchronously notifies the payment result to the 5G message payment platform and the payment application, the 5G message payment platform notifies the payment result to the 5G message application background, and the 5G message application platform notifies the payment result to the 5G message application.

[0010] As a preferred technical solution of the above, preferably, the 5G message payment platform performs data processing on the items in the request payment order information, and feeds back the payment prompt information obtained after the data processing to the 5G message application background, including:

[0011] The 5G message payment platform records all data in the request payment order information and this payment request, and the request payment order information at least includes: commodity name, amount, and merchant number.

[0012] The 5G message payment platform sends a plurality of supported payment methods to the 5G message application background.

[0013] As a preferred technical solution of the above, preferably, the payment order request message includes: order information and a payment method selected by the user.

[0014] As a preferred technical solution of the above, preferably, the reorganized payment order request message is sent to the payment system to initiate a user payment process, including: the reorganized payment order request message is converted into payment prompt information, the payment prompt information is sent to the 5G message application background to initiate a user payment process; if the 5G message application does not receive the payment prompt information within a specified time, the 5G message application notifies the 5G message application background to send the payment prompt information again.

[0015] As a preferred technical solution of the above, preferably, the payment process includes: the payment system sends order and payment information to the 5G message application background through the 5G message payment platform, the 5G message application invokes a corresponding payment application according to the previously selected payment method, and the payment system verifies the payment application and then performs a payment action.

[0016] The application also provides an application external payment device based on a 5G message, which includes: a terminal installed with a payment application and a 5G message application, a 5G message application background deployed with a 5G bank and / or a 5G mall, a service receiving party, and a payment institution.

[0017] The terminal is configured to send the request payment order information to the 5G message application platform.

[0018] The 5G message application background is configured to send the payment order request message received from the terminal to the 5G message payment platform.

[0019] The 5G message payment platform in the service provider is configured to perform data processing on the items in the request payment order information sent by the 5G message application platform, and feed back the payment prompt information obtained after data processing to the 5G message application background; and is configured to reorganize the payment order request message according to the interface specification of the payment system in the payment institution, and send the reorganized payment order request message to the payment system to initiate the user payment process.

[0020] The payment system in the payment institution is configured to execute the payment process, and notify the 5G message payment platform and the 5G message application background of the payment result.

[0021] As a preferred embodiment of the above technical solution, preferably, the 5G message payment platform is configured to record all data of the current payment request and the request payment order information, and the request payment order information at least includes the commodity name, the amount, and the merchant number. The 5G message payment platform is further configured to send a plurality of supported payment methods to the 5G message application background.

[0022] As a preferred embodiment of the above technical solution, preferably, the payment system is configured to send the order and payment information to the 5G message application background after sending the order and payment information to the 5G message payment platform, and the 5G message application background invokes the corresponding payment application according to the payment method selected by the terminal before, and the payment system executes the payment action after verifying the payment application.

[0023] The technical solution of the present application provides a 5G message-based application external payment method and device. The 5G message application background applies to generate a payment order to the 5G message payment platform, the 5G message payment platform applies to generate a payment order to the payment system, and returns a payment link to the 5G message application background. The user clicks the payment link in the 5G message application, jumps to the 5G message payment platform payment page, and the payment application is invoked by the payment page and the payment is completed.

[0024] The advantage of the present application is that by aggregating multiple payment methods, a unified interface is provided for the merchant chatbot, the merchant access process is simplified, and the user payment experience is improved. BRIEF DESCRIPTION OF DRAWINGS

[0025] In order to make the technical solutions of the embodiments of the present application or the prior art clearer, the accompanying drawings needed in the embodiments or prior art description will be briefly introduced. Obviously, the accompanying drawings in the description are some embodiments of the present application, and all other embodiments obtained by a person of ordinary skill in the art without creative work belong to the protection scope of the present application.

[0026] Figure 1 The flow provided for the embodiments of the present application Figure One .

[0027] Figure 2 The flow provided for the embodiments of the present application Figure Two .

[0028] Figure 3 The structural schematic diagram provided for the embodiments of the present application. DETAILED DESCRIPTION

[0029] In order to make the technical solutions of the embodiments of the present application or the prior art clearer, the accompanying drawings needed in the embodiments or prior art description will be briefly introduced. Obviously, the accompanying drawings in the description are some embodiments of the present application, and all other embodiments obtained by a person of ordinary skill in the art without creative work belong to the protection scope of the present application.

[0030] In the present application, the 5G message service is a message service supporting rich media formats and having the characteristics of standardization, multi-media and light weight; the 5G message application is an application program based on the 5G message service running on a mobile device; the 5G message application external payment is a payment process performed and completed outside the 5G message application; and the 5G message payment platform is a platform that provides a unified payment interface for the 5G message application by aggregating multiple payment methods.

[0031] First, the flow of the present application is summarized:

[0032] The 5G message application sends the request payment order information to the 5G message application platform. After the 5G message application background receives the request payment order information, the message is sent to the 5G message payment platform. The 5G message payment platform records the payment request and the data in the request payment order information, generates payment prompt information, and sends it to the 5G message application background. After the customer receives the payment prompt information and selects the payment method, the 5G message application background sends the payment order request message to the 5G message payment platform, and the 5G message payment platform reorganizes the payment order request message according to the interface specification of the payment system. The reorganized payment order request message is sent to the payment system. The payment system generates payment information according to the reorganized message, sends the order and payment information to the 5G message application background through the 5G message payment platform, and the 5G message application initiates the corresponding payment application according to the previously selected payment method. The payment system verifies the payment application and performs the payment action. After the user completes the payment, the payment system synchronously notifies the payment result to the 5G message payment platform and the 5G message application background.

[0033] The technical solutions of the present application will be described in conjunction with specific embodiments, as shown in Figure 1 Figure 1 The flowchart provided by the embodiments of the present application is as follows:

[0034] Step S1.1, the user sends a payment order request through the 5G message application.

[0035] Step S1.2, the 5G message application background sends the payment order request information to the 5G message payment platform.

[0036] The order request information includes: product name, amount, merchant number and other information related to the order;

[0037] Step S2.1, the 5G message payment platform sends payment prompt information. The payment prompt information includes: the supported payment methods stored by the 5G message payment platform, such as cloud flash payment, mobile PAY, etc.

[0038] Step S2.2, the 5G message application background sends the payment prompt information to the user.

[0039] In this step, if the 5G message application does not receive the payment prompt information within a specified time, the 5G message application notifies the 5G message application background to send the payment prompt information again.

[0040] Step S3, the user selects a payment method according to the payment prompt information.

[0041] Step S4, the 5G message application sends the payment order request to the 5G message application background.

[0042] ​Wherein, after the user selects the payment method, the 5G message application of the user end sends a payment order request to the 5G message application background of the merchant.

[0043] Step S5, the 5G message application background initiates a payment order request to the 5G message payment platform.

[0044] Wherein, the payment order request includes order information and the payment method selected by the user.

[0045] Step S6, the 5G message payment platform judges the payment type and initiates a payment request to the corresponding payment system. Wherein, the payment request includes order information and the payment method selected by the user.

[0046] Step S7.1, the payment system generates payment information according to the payment request.

[0047] Step S7.2, the payment system returns the order information and the payment information to the 5G message payment platform.

[0048] Step S8, the 5G message payment platform returns the order information and the payment information to the 5G message application background.

[0049] Step S9, the 5G message application background sends the order information and the payment information to the 5G message application.

[0050] Wherein, in this step, if the 5G message application does not receive the order information and the payment information within a specified time, the 5G message application notifies the 5G message application background to resend the order information and the payment information.

[0051] Step S10, the 5G message application invokes the payment application selected by the user.

[0052] Step S11, the payment application initiates a payment request to the payment system.

[0053] Step S12.1, the payment system verifies payment parameters, application permissions and other information.

[0054] Step S12.2, the payment system completes verification and returns to obtain authorization.

[0055] Wherein, in this step, if the payment application of the user end does not receive the user authorization information within a specified time, the payment application notifies the payment system to resend the user authorization information.

[0056] Step S13, the user confirms authorization.

[0057] Wherein, if the payment application of the user end does not receive the user authorization information within a specified time, the payment application notifies the user to authorize again (repeat step S12.1).

[0058] Step S14, the payment application submits the user confirmation authorization information to the payment system.

[0059] Step S15.1, the payment system verifies the authorization information.

[0060] Step S15.2, the payment system sends the payment result to the payment application.

[0061] In this step, if the payment application of the client does not receive the payment result within a specified time, the payment application notifies the payment system to resend the payment result.

[0062] Step S15.3, the payment system sends the payment result to the 5G message payment platform.

[0063] Step S16.1, the 5G message payment platform feeds back the payment result to the 5G message application background,

[0064] Step S16.2, the 5G message application background feeds back the payment result to the 5G message application.

[0065] In this step, if the 5G message application does not receive the payment result within a specified time, the 5G message application notifies the 5G message application background to resend the payment result.

[0066] In order to better illustrate the invented technical solution, the present application will be described in combination with a specific use scenario. It is assumed that the payment method supported in the present embodiment is cloud flash payment or Huawei Pay, but other payment methods can be used in actual use.

[0067] Step a, the user generates a public payment order (such as a water fee order) in the 5G message public payment application.

[0068] Step b, the 5G message public payment application sends a payment order request to the 5G message public payment application background.

[0069] Step c, the 5G message public payment application background initiates a payment order request to the UnionPay 5G message aggregation cash desk.

[0070] Step d, the UnionPay 5G message aggregation cash desk returns payment page information to the 5G message public payment application background.

[0071] Step e, the 5G message public payment application background returns the payment page information to the 5G message public payment application.

[0072] Step f, the user selects cloud flash payment or Huawei Pay on the payment page (payment options are displayed according to the payment page information) on the user terminal.

[0073] Step g, the 5G message public payment application of the user terminal sends a payment order request to the 5G message public payment application background.

[0074] Step h: The 5G Messaging Payment Application backend initiates a payment order request to the UnionPay 5G Messaging Aggregated Cashier.

[0075] Step i: The UnionPay 5G message aggregation cashier determines the payment type based on the payment order request and initiates a payment request to the UnionPay payment system.

[0076] Step j: The UnionPay payment system generates payment information.

[0077] Step k: The UnionPay payment system returns order information and payment information to the UnionPay 5G message aggregation cashier.

[0078] Step 1: The UnionPay 5G Message Aggregator Cashier returns order and payment information to the 5G Message Public Payment Application backend, and the 5G Message Public Payment Application backend returns the order and payment information to the 5G Message Public Payment Application.

[0079] Step m: The 5G messaging application invokes the payment controls for UnionPay QuickPass or Huawei Pay based on the order and payment information.

[0080] Step n: The payment control of the payment application, such as UnionPay QuickPass or Huawei Pay, prompts the user to collect identity verification information and submit the identity verification information to the UnionPay payment system.

[0081] Step 0: The UnionPay payment system completes the verification and returns the payment result to the payment application (UnionPay QuickPass or Huawei Pay).

[0082] Step p: The UnionPay 5G Message Aggregator Cashier will notify the 5G Message Public Payment Application backend of the payment result.

[0083] Step q: The 5G Messaging Public Payment application backend will synchronize the payment result to the 5G Messaging Public Payment application.

[0084] like Figure 3 As shown, the present invention also provides an out-of-application payment device based on 5G messaging, which includes: a terminal A with a payment application 101 and a 5G messaging application 102 installed, a 5G messaging application backend B for a 5G bank and / or a 5G mall, an acceptance service provider C, and a payment institution D.

[0085] Terminal A is used to send a request for payment order information to the 5G messaging application platform 102.

[0086] The 5G messaging application backend B is used to send the payment order request message received from terminal A to the 5G messaging payment platform 103.

[0087] The 5G message payment platform 103 in the service receiving party C is configured to process the items in the request payment order information sent by the 5G message application 102, and feed back the payment prompt information obtained after the data processing to the 5G message application background B. The 5G message payment platform 103 is also configured to reorganize the payment order request message according to the interface specification of the payment system 104 in the payment institution D, and send the reorganized message to the payment system to initiate the user payment process.

[0088] The payment system 104 in the payment institution D is configured to execute the payment process and notify the 5G message payment platform and the 5G message application background of the payment result. The payment system is configured to send the order and payment information to the 5G message application background, and the 5G message application background initiates the corresponding payment application 101 according to the payment method selected by the terminal A. The payment system verifies the payment application 101 and executes the payment action.

[0089] The 5G message payment platform 103 is also configured to record all the data in the current payment request and the request payment order information, and the request payment order information at least includes the commodity name, the amount, and the merchant number. The 5G message payment platform 103 is also configured to send several supported payment methods to the 5G message application background B.

[0090] Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present application, and not to limit them; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: it can still modify the technical solutions recorded in the foregoing embodiments, or make equivalent replacement for part or all of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A 5G message based application external payment method, characterized by, The method comprises: The 5G message application background of the merchant receives the request payment order information sent from the client 5G message application, and sends the request payment order information to the 5G message payment platform; the 5G message payment platform aggregates several payment methods, and provides a unified payment interface for the 5G message application; The 5G message payment platform processes the items in the request payment order information, and feeds back the payment prompt information obtained after data processing to the 5G message application background of the merchant; After the customer selects a payment method according to the received payment prompt information, the 5G message application background of the merchant sends a payment order request message to the 5G message payment platform, the 5G message payment platform reorganizes the payment order request message according to the interface specification of the payment system, and the reorganized payment order request message is sent to the payment system to initiate a user payment process; After the user payment is completed, the payment system synchronously notifies the payment result to the 5G message payment platform and the payment application, the 5G message payment platform notifies the payment result to the 5G message application background of the merchant, and the 5G message application platform notifies the payment result to the 5G message application.

2. The method of claim 1, wherein, The 5G message payment platform processes the items in the request payment order information, and feeds back the payment prompt information obtained after data processing to the 5G message application background, comprising: The 5G message payment platform records the payment request and all data in the request payment order information, and the request payment order information at least includes: commodity name, amount, merchant number; The 5G message payment platform sends several supported payment methods to the 5G message application background.

3. The method of claim 1, wherein, The payment order request message includes: order information and user selected payment method.

4. The method of claim 1, wherein, The reorganized payment order request message is sent to the payment system to initiate a user payment process, comprising: The reorganized payment order request message is converted into payment prompt information, and the payment prompt information is sent to the 5G message application to initiate a user payment process; if the 5G message application does not receive the payment prompt information within a specified time, the 5G message application notifies the 5G message application background to send the payment prompt information again.

5. The method of claim 1, wherein, The payment process includes: the payment system sends order and payment information to the 5G message application background through the 5G message payment platform, the 5G message application invokes the corresponding payment application according to the previously selected payment method, and the payment system verifies the payment application and executes the payment action. 6.A 5G message based application external payment apparatus, characterized by, It includes: a terminal installed with a payment application and a 5G message application, a 5G message application background deployed with a 5G bank and / or a 5G mall, a service receiving party, and a payment institution; The terminal is used for sending the request payment order information to the 5G message payment platform; wherein the 5G message payment platform aggregates several payment methods, and provides a unified payment interface for the 5G message application; The 5G message application background of the merchant is configured to send the payment order request message received from the terminal to the 5G message payment platform; The 5G message payment platform in the service-accepting party is configured to perform data processing on the items in the request payment order information sent by the 5G message application background of the merchant, and feed back the payment prompt information obtained after the data processing to the 5G message application background of the merchant; and is configured to reorganize the payment order request message according to the interface specification of the payment system in the payment institution, and send the reorganized payment order request message to the payment system to initiate the user payment process; The payment system in the payment institution is configured to execute the payment process, and notify the 5G message payment platform and the 5G message application background of the merchant of the payment result.

7. The apparatus of claim 6, wherein, Comprise: The 5G message payment platform is configured to record all data in the current payment request and the request payment order information, and the request payment order information at least includes: commodity name, amount, merchant number; The 5G message payment platform is further configured to send a plurality of supported payment methods to the 5G message application background.

8. The apparatus of claim 6, wherein, Further comprise: The payment system is configured to send the order and payment information to the 5G message application background after sending them to the 5G message payment platform, the 5G message application background initiates the corresponding payment application according to the payment method selected by the terminal before, and the payment system executes the payment action after verifying the payment application.

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