Multi-tenant system-oriented multi-channel collection method, device and equipment, medium and product

Abstract

The invention discloses a multi-tenant system-oriented multi-channel collection method, device and equipment, a medium and a product, and relates to the technical field of multi-channel collection. The method comprises the following steps: acquiring collection information; encrypting the plaintext data based on the private key encryption summary information by adopting an asymmetric encryption method to obtain a digital signature; decrypting the digital signature according to the request information to obtain public key summary information; comparing the private key encryption summary information with the public key summary information to obtain a comparison result; determining a target collection channel from the configured collection channels according to the comparison result; and collecting money by using the target money collection channel. According to the invention, flexible configuration of collection channels of different tenants can be realized.

Description

Technical Field

[0001] The present application relates to the field of multi-channel payment collection technology, and in particular to a multi-channel payment collection method, device, equipment, medium and product for a multi-tenant system. Background Art

[0002] Internet SaaS service platforms generally support and provide tenant models to provide isolated services to meet the needs of different institutional entities to carry out their own businesses. Different business entities will charge certain service fees or other value-added fees when carrying out online business and serving 2B or 2C users, such as e-commerce platforms or distribution platforms selling goods or services, and bidding platforms selling bids. In general, SaaS service platforms will connect to multiple third-party platforms to meet the business scenarios of online payment collection. Since the opening of merchant accounts on third-party platforms requires the applicant company to provide various materials, and there will be corresponding fees every year after opening, tenants also have differences in choosing payment methods. Some tenants explicitly want to use independent payment accounts, while some tenants accept the use of SaaS service providers' payment channels and complete payment collection through transfer or settlement. To meet the above scenarios, it is necessary to configure each tenant with their own payment mode (independent or platform), payment channel, and API gateway address of the third-party platform. Since the encryption methods, keys, and necessary fields of API gateways of various third-party platforms are basically the same, they can be met through technical means. Therefore, a method that can flexibly configure multi-tenant and multi-channel online payment is needed. Summary of the invention

[0003] The purpose of this application is to provide a multi-channel payment collection method, device, equipment, medium and product for a multi-tenant system, which can realize flexible configuration of payment collection channels for different tenants.

[0004] To achieve the above objectives, this application provides the following solutions:

[0005] In a first aspect, the present application provides a multi-channel payment collection method for a multi-tenant system, and the multi-channel payment collection method for a multi-tenant system includes:

[0006] Obtain payment information; the payment information includes request information and payment receipt; the request information is a transaction request sent by the user; the payment receipt includes: the payee's account number, the payee's account number, the payment amount, the payment receipt number and the tenant's ID;

[0007] An asymmetric encryption method is used to encrypt the plaintext data based on the private key encryption summary information to obtain a digital signature; the plaintext data includes: receipt number, receipt amount and tenant terminal ID;

[0008] Decrypting the digital signature according to the request information to obtain public key summary information;

[0009] Compare the private key encrypted summary information with the public key summary information to obtain a comparison result;

[0010] Determining a target payment collection channel from the configured payment collection channels according to the comparison result;

[0011] Utilize the target payment channel to collect payment.

[0012] Optionally, the configuration method of the payment channel specifically includes:

[0013] Obtain the tenant's payment method and tenant ID; the payment methods include: independent payment and platform payment;

[0014] Determine the payment channels supported by the payment method according to the tenant ID;

[0015] From the supported payment channels, select the contracted payment channel corresponding to the tenant ID;

[0016] Establishing an association relationship with the payee account according to the tenant ID and the contracted payment channel;

[0017] Determine the payment channel information based on the association relationship and complete the configuration of the payment channel; the payment channel information includes: application identification, payment limit, authorization callback address, asynchronous notification address, synchronous notification address, payment gateway address, payment method, key string, certificate and signature method.

[0018] Optionally, determining a target payment channel from configured payment channels according to the comparison result specifically includes:

[0019] If the comparison result is that the private key encrypted summary information is the same as the public key summary information, the signature verification is successful;

[0020] After the signature verification is successful, the configured payment channel is determined according to the tenant ID;

[0021] Among the configured payment channels, the payment channel selected by the user terminal is determined as the target payment channel.

[0022] Optionally, the multi-channel payment collection method for a multi-tenant system further includes:

[0023] Receive transaction receipt information, and set feedback on the payment status based on the transaction receipt information; the transaction receipt information is the payment result after the user terminal completes the payment.

[0024] Optionally, collecting payment using the target payment channel specifically includes:

[0025] Call the target payment channel according to the assembly parameter information to generate a payment order;

[0026] Collect payment according to the payment order.

[0027] Optionally, the assembly parameter information includes: application identification, payment gateway address, asynchronous notification address, synchronous notification address and signature method.

[0028] In a second aspect, the present application provides a multi-channel payment collection device for a multi-tenant system, including:

[0029] An information acquisition module is used to acquire payment information; the payment information includes request information and payment receipt; the request information is a transaction request sent by the user end; the payment receipt includes: the payee's account number, the payee's account number, the payment amount, the payment receipt number and the tenant end ID;

[0030] An encryption module, used to encrypt the plaintext data based on the private key encryption summary information using an asymmetric encryption method to obtain a digital signature; the plaintext data includes: receipt number, receipt amount and tenant terminal ID;

[0031] A decryption module, used to decrypt the digital signature according to the request information to obtain public key summary information;

[0032] A comparison module, used for comparing the private key encrypted summary information with the public key summary information to obtain a comparison result;

[0033] A target payment collection channel determination module, used to determine the target payment collection channel from the configured payment collection channels according to the comparison result;

[0034] A payment collection module is used to collect payment using the target payment collection channel.

[0035] In a third aspect, the present application provides a computer device, comprising: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the above-mentioned multi-channel payment method for a multi-tenant system.

[0036] In a fourth aspect, the present application provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the multi-channel payment collection method for a multi-tenant system as described above.

[0037] In a fifth aspect, the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the above-mentioned multi-channel payment collection method for a multi-tenant system.

[0038] According to the specific embodiments provided in this application, this application discloses the following technical effects:

[0039] The present application provides a multi-channel payment collection method, device, equipment, medium and product for a multi-tenant system. By obtaining payment information, an asymmetric encryption method is used to encrypt the plaintext data based on the private key encryption summary information to obtain a digital signature; the digital signature is decrypted according to the request information to obtain the public key summary information; the private key encryption summary information is compared with the public key summary information to obtain a comparison result; the target payment collection channel is determined from the configured payment collection channels according to the comparison result; and the payment is collected using the target payment collection channel. According to the different payment modes on the tenant side, the present application displays all the payment channels of the corresponding tenant when the user on the user side pays (the user can choose any payment method that suits him / her), and can support real-time opening or closing of payment channels. The present application can realize flexible configuration of payment channels for different tenants. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0041] Figure 1 A flowchart of a multi-channel payment collection method for a multi-tenant system;

[0042] Figure 2 A schematic diagram of the structure of a computer device provided in one embodiment of the present application. DETAILED DESCRIPTION

[0043] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0044] In order to make the above-mentioned objects, features and advantages of the present application more obvious and easy to understand, the present application is further described in detail below with reference to the accompanying drawings and specific implementation methods.

[0045] This application aims to define a data model of the relationship between tenants and payment channels based on the data table structure, and to implement a method for flexible configuration of payment channels for different tenants in the SaaS service platform.

[0046] like Figure 1As shown, the embodiment of the present application provides a multi-channel payment collection method for a multi-tenant system, the method comprising:

[0047] Step 100: Get payment information. Payment information includes request information and payment receipt; request information is a transaction request sent by the user; payment receipt includes: payee account number, payee account number, payment amount, payment receipt number and tenant ID.

[0048] Step 200: Use an asymmetric encryption method to encrypt the plaintext data based on the private key encryption summary information to obtain a digital signature. The plaintext data includes: receipt number, payment amount and tenant ID.

[0049] Step 300: Decrypt the digital signature according to the request information to obtain public key summary information.

[0050] Step 400: compare the private key encrypted summary information with the public key summary information to obtain a comparison result.

[0051] Step 500: Determine the target payment channel from the configured payment channels according to the comparison result.

[0052] Step 600: Utilize the target payment channel to collect payment.

[0053] In one embodiment, the method for configuring a payment channel specifically includes:

[0054] Get the tenant's payment method and tenant ID; payment methods include: independent payment and platform payment.

[0055] Determine the payment channels supported under the payment method based on the tenant ID.

[0056] From the supported payment channels, select the contracted payment channel corresponding to the tenant ID.

[0057] Establish an association with the payee's account based on the tenant ID and the contracted payment channel; determine the payment channel information based on the association, and complete the configuration of the payment channel; the payment channel information includes: application ID, payment limit, authorization callback address, asynchronous notification address, synchronous notification address, payment gateway address, payment method, key string, certificate and signature method.

[0058] As an optional implementation method, determining a target payment channel from configured payment channels according to the comparison result specifically includes:

[0059] If the comparison result is that the private key encryption summary information is the same as the public key summary information, the signature verification is successful; after the signature verification is successful, the configured payment channel is determined according to the tenant ID; among the configured payment channels, the payment channel selected by the user is determined as the target payment channel.

[0060] In one embodiment, the multi-channel payment collection method for a multi-tenant system further includes:

[0061] Receive transaction receipt information and set feedback on the payment status based on the transaction receipt information; the transaction receipt information is the payment result after the user completes the payment.

[0062] As an optional implementation method, using the target payment channel to collect payment specifically includes:

[0063] Call the target payment channel according to the assembly parameter information and generate a payment order; collect payment according to the payment order.

[0064] The assembly parameter information includes: application identification, payment gateway address, asynchronous notification address, synchronous notification address and signature method.

[0065] In practical applications, the specific implementation steps of the method mentioned in this application can be as follows:

[0066] Step 1: Define the payment methods and payment channels used by tenants on the tenant side. Payment methods include: independent payment and platform payment; payment channels can include: 01-Alipay, 02-WeChat, 03-UnionPay; each channel corresponds to the backend's own program method implementation. When using a certain channel to collect payment, the system will automatically call the corresponding program to complete the payment according to the payment channel's identification (01-Alipay, 02-WeChat, 03-UnionPay). When the system calls the payment module, the program will first determine the payment channel. If it is 01, it will call the aliPaymentService method for processing; if it is 02, it will call the wxPaymentService method for processing; if it is 03, it will call the cpPaymentService method for processing; each method contains the API interface and processing logic provided by the corresponding third party.

[0067] Step 2: If the tenant payment method is defined as "independent payment" in step 1, you need to further define the configuration of each payment channel. The payment channel information that needs to be defined includes: tenant ID (the system automatically brings in the tenant ID after selecting a tenant), payment channel (Alipay, WeChat, UnionPay), application ID APPID (provided after the third-party platform applies for merchant account opening), whether to open (default is open, can be closed), payment limit, authorization callback address, asynchronous notification address, synchronous notification address, payment gateway address, payment method (wap payment, application support, scan code payment, payment code, JSAPI payment, b2b), key string, certificate, signature method.

[0068] Step 3: In the business system or SaaS platform, when the user on the user side needs to pay the tenant when purchasing or using the tenant's goods or services, the system will generate a receipt with the payee, payee, payment amount, receipt number and tenant ID, and use asymmetric encryption method (RSA algorithm) to encrypt the plaintext data of the receipt number, payment amount and tenant ID based on the private key encryption summary information to obtain a digital signature, and send the plaintext data and digital signature to the payment module. The payment module uses the public key to decrypt the signature according to the request information sent to obtain the summary information. The summary algorithm extracts the plaintext summary information and compares it with the decrypted summary information. If they are the same, it proves that the plaintext data is complete and has not been tampered with, and the order information is safe and valid; if the signature verification fails, the online payment is rejected.

[0069] Step 4: After the signature verification is successful, the system will search for the payment channels configured in the system according to the tenant ID, and display all the enabled channels to the user. After the user selects a payment channel, the system will assemble parameter information based on the APPID, payment gateway address, asynchronous notification address, synchronous notification address, signature method and other information configured in the payment channel to call the third-party payment channel to generate a payment order (the current status is paying).

[0070] Step 5: The system displays the page of the third-party payment platform. After the user completes the payment, the third-party platform will feedback the payment result to the SaaS platform through the asynchronous notification address. If the payment is successful, the payment module will set the payment order status to payment success; if the payment fails, the status will be set to payment failure.

[0071] Based on the same inventive concept, the embodiment of the present application also provides a multi-channel payment collection device for a multi-tenant system for implementing the multi-channel payment collection method for a multi-tenant system involved above. The implementation solution provided by the device to solve the problem is similar to the implementation solution recorded in the above method, so the specific limitations in one or more embodiments of the multi-channel payment collection device for a multi-tenant system provided below can refer to the limitations of the multi-channel payment collection method for a multi-tenant system above, and will not be repeated here.

[0072] In an exemplary embodiment, a multi-channel payment collection device for a multi-tenant system is provided, comprising:

[0073] The information acquisition module is used to obtain the payment information; the payment information includes the request information and the payment slip; the request information is the transaction request sent by the user; the payment slip includes: the payee's account number, the payee's account number, the payment amount, the payment slip number and the tenant's ID.

[0074] The encryption module is used to encrypt the plaintext data based on the private key encryption summary information using an asymmetric encryption method to obtain a digital signature; the plaintext data includes: receipt number, receipt amount and tenant ID.

[0075] The decryption module is used to decrypt the digital signature according to the request information to obtain the public key summary information.

[0076] The comparison module is used to compare the private key encrypted summary information with the public key summary information to obtain a comparison result.

[0077] The target payment channel determination module is used to determine the target payment channel from the configured payment channels according to the comparison result.

[0078] The payment collection module is used to collect payments using the target payment collection channel.

[0079] This application can improve the reuse of business functions, reduce the amount of redundant code, and avoid repeated over-development of functions by defining the relationship between business types and business links. At the same time, it provides better support for the expansion of new businesses in the future. When there are new business processes, the relationship between business types and links can be configured to quickly adapt to new business processes, further shorten the implementation cycle of new businesses, and shorten the preliminary preparations for the development of new businesses.

[0080] In an exemplary embodiment, a computer device is provided. The computer device may be a server or a terminal. The internal structure diagram thereof may be as follows: Figure 2 As shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. Among them, the processor, the memory and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a multi-channel payment method for a multi-tenant system is implemented.

[0081] Those skilled in the art will understand that Figure 2The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0082] In an exemplary embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above-mentioned method embodiments when executing the computer program.

[0083] In an exemplary embodiment, a computer-readable storage medium is provided, storing a computer program, and when the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0084] In an exemplary embodiment, a computer program product is provided, including a computer program, and when the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0085] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.

[0086] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM may be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM).

[0087] The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. The non-relational database may include a distributed database based on blockchain, etc., but is not limited thereto. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but is not limited thereto.

[0088] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0089] This article uses specific examples to illustrate the principles and implementation methods of this application. The description of the above embodiments is only used to help understand the method and core ideas of this application. At the same time, for those skilled in the art, according to the ideas of this application, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as limiting this application.

Claims

1. A multi-channel payment collection method for a multi-tenant system, characterized in that: The multi-channel payment method for a multi-tenant system includes: Obtain payment information; the payment information includes request information and payment receipt; the request information is a transaction request sent by the user; the payment receipt includes: the payee's account number, the payee's account number, the payment amount, the payment receipt number and the tenant's ID; An asymmetric encryption method is used to encrypt the plaintext data based on the private key encryption summary information to obtain a digital signature; the plaintext data includes: receipt number, receipt amount and tenant terminal ID; Decrypting the digital signature according to the request information to obtain public key summary information; Compare the private key encrypted summary information with the public key summary information to obtain a comparison result; Determining a target payment collection channel from the configured payment collection channels according to the comparison result; Utilize the target payment channel to collect payment.

2. The multi-channel payment collection method for a multi-tenant system according to claim 1, characterized in that: The configuration method of the payment channel includes: Obtain the tenant's payment method and tenant ID; the payment methods include: independent payment and platform payment; Determine the payment channels supported by the payment method according to the tenant ID; From the supported payment channels, select the contracted payment channel corresponding to the tenant ID; Establishing an association relationship with the payee account according to the tenant ID and the contracted payment channel; Determine the payment channel information based on the association relationship and complete the configuration of the payment channel; the payment channel information includes: application identification, payment limit, authorization callback address, asynchronous notification address, synchronous notification address, payment gateway address, payment method, key string, certificate and signature method.

3. The multi-channel payment collection method for a multi-tenant system according to claim 1, characterized in that: Determine the target payment channel from the configured payment channels according to the comparison result, including: If the comparison result is that the private key encrypted summary information is the same as the public key summary information, the signature verification is successful; After the signature verification is successful, the configured payment channel is determined according to the tenant ID; Among the configured payment channels, the payment channel selected by the user terminal is determined as the target payment channel.

4. The multi-channel payment collection method for a multi-tenant system according to claim 1, characterized in that: The multi-channel payment collection method for a multi-tenant system further includes: Receive transaction receipt information, and set feedback on the payment status based on the transaction receipt information; the transaction receipt information is the payment result after the user terminal completes the payment.

5. The multi-channel payment collection method for a multi-tenant system according to claim 1, characterized in that: Utilize the target payment channel to collect payment, including: Call the target payment channel according to the assembly parameter information to generate a payment order; Collect payment according to the payment order.

6. The multi-channel payment collection method for a multi-tenant system according to claim 5, characterized in that: The assembly parameter information includes: application identification, payment gateway address, asynchronous notification address, synchronous notification address and signature method.

7. A multi-channel payment collection device for a multi-tenant system, characterized in that: The multi-channel payment collection device for a multi-tenant system includes: An information acquisition module is used to acquire payment information; the payment information includes request information and payment receipt; the request information is a transaction request sent by the user end; the payment receipt includes: the payee's account number, the payee's account number, the payment amount, the payment receipt number and the tenant end ID; An encryption module is used to encrypt the plaintext data based on the private key encryption summary information using an asymmetric encryption method to obtain a digital signature; the plaintext data includes: receipt number, receipt amount and tenant terminal ID; A decryption module, used to decrypt the digital signature according to the request information to obtain public key summary information; A comparison module, used for comparing the private key encrypted summary information with the public key summary information to obtain a comparison result; A target payment collection channel determination module, used to determine the target payment collection channel from the configured payment collection channels according to the comparison result; A payment collection module is used to collect payment using the target payment collection channel.

8. A computer device comprising: A memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the multi-channel payment collection method for a multi-tenant system as described in any one of claims 1-6.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the multi-channel payment collection method for a multi-tenant system described in any one of claims 1 to 6 are implemented.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the multi-channel payment collection method for a multi-tenant system described in any one of claims 1 to 6 are implemented.

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