Dynamic aggregate code payment system
By designing a dynamic aggregation code payment system, the shortcomings of the existing aggregation payment system in processing multiple orders, payment result query and credit line management are solved, and support of multiple payment methods, real-time payment result query and automatic order verification are realized, which significantly improves payment efficiency and security.
Patent Information
- Application Number
- CN202510011345.5
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-01-03
- Publication Date
- 2025-06-13
Smart Images
Figure CN120146849A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of computer technology, specifically to a dynamic aggregated code payment system. Background Art
[0002] With the rapid development of e-commerce and mobile payment, enterprises' demand for the flexibility and convenience of payment systems is increasing day by day. Traditional payment systems often have problems such as single payment methods, cumbersome payment processes, and poor user experiences, making it difficult to meet the needs of modern enterprises for efficient, secure, and diverse payment methods. Therefore, there are various payment systems based on aggregated payment technology in the market, which can integrate multiple payment methods and provide users with a more convenient payment experience.
[0003] However, there are still some technical problems and deficiencies in existing aggregated payment systems. First, some systems cannot provide flexible amount editing and batch generation of collection receipts when processing multiple orders, resulting in inconvenient user operations. Second, there are delays or omissions in payment result query and order status update in some systems, affecting the accuracy and security of payments. In addition, the management of prepayments and credit limits in some systems is not flexible enough to meet the complex financial management needs of enterprises.
[0004] The information disclosed in this background art section is only intended to deepen the understanding of the overall background art of the present invention and should not be regarded as an admission or any form of implication that this information constitutes the prior art known to those skilled in the art. Summary of the Invention
[0005] Aiming at the defects existing in the prior art, the purpose of the present invention is to provide a dynamic aggregated code payment system, which realizes flexible processing of multiple orders, support for multiple payment methods, real-time query of payment results and automatic cancellation of order status, as well as effective management of prepayments and credit limits, significantly improving payment efficiency, reducing operation complexity, enhancing payment security, and providing a more convenient, efficient, and secure payment solution for enterprises.
[0006] To achieve the above purpose, the technical solution adopted by the present invention is:
[0007] A dynamic aggregated code payment system, characterized by comprising:
[0008] A front-end interaction module, responsible for the display and interaction of the user interface, including the presentation of the following interfaces and the processing of user operations: order selection, amount editing, and code scanning payment;
[0009] A business logic processing module, which processes the following core business logics: order processing, payment result query, credit limit management, collection receipt entry, order cancellation, and order closure;
[0010] A data access module, which is used to interact with a database and perform operations of adding, deleting, modifying, and querying data;
[0011] An interface service module, which is used for the docking service with an external system to realize data exchange and synchronization; the external system includes: a bank payment system, a financial management system, an aggregated payment platform, and a payment asynchronous notification system;
[0012] A dynamic aggregated code generation module, which is used to call an interface to generate a dynamic aggregated code; the dynamic aggregated code supports multiple payment methods such as WeChat, Alipay, UnionPay QuickPass, and Agricultural Bank Mobile Payment;
[0013] An advance payment and credit limit management module, which is used to manage the collection receipts of advance payments and manage the credit limit.
[0014] Based on the above technical solution, when selecting an order, the user is allowed to select at least one order;
[0015] For each selected order, the payment amount of the order is adjusted through amount editing;
[0016] The scan payment interface displays the dynamically generated aggregated code, and the payment is completed by scanning the dynamically generated aggregated code.
[0017] Based on the above technical solution, the order processing business logic is responsible for the creation, modification, query, and deletion of orders;
[0018] The payment result query business logic queries the payment result through the interface service module and updates the payment status of the order accordingly;
[0019] The credit limit management business logic is responsible for the application, approval, usage record, and balance query of the credit limit;
[0020] The collection receipt entry business logic is responsible for automatically entering the collection receipt according to the document template or manually entering the collection receipt;
[0021] The order cancellation business logic is responsible for automatically canceling the order according to the payment status of the order or manually canceling the order;
[0022] Closing the order is responsible for manually closing the unfinished order.
[0023] Based on the above technical solution, the interface service module is docked with the bank payment system to process payment requests and receive payment results;
[0024] The interface service module is docked with the financial management system to realize the synchronization of financial data and the generation of reports;
[0025] The interface service module is docked with the aggregated payment platform to integrate multiple payment methods and obtain the corresponding dynamic aggregated code;
[0026] The interface service module is docked with the payment asynchronous notification system to receive asynchronous notifications from the payment platform and ensure real-time updates of the payment status.
[0027] Based on the above technical solution, the dynamic aggregated code generation module first receives a list of payment methods predefined by the system. The payment methods include, but are not limited to, WeChat, Alipay, UnionPay QuickPass, and Agricultural Bank Mobile Payment.
[0028] In the user interface, display the payment methods allowed by the system for the user to select.
[0029] The user selects at least one payment method according to personal preferences and payment habits.
[0030] According to the selected payment method, the dynamic aggregated code generation module calls the interface of the aggregated payment platform. After passing in the payment method information and order information, it generates the corresponding aggregated code.
[0031] The aggregated payment platform generates a dynamic aggregated code based on the passed-in payment method information and order information.
[0032] Scan the dynamic aggregated code and further select a specific payment method in the pop-up window to perform the payment operation.
[0033] Based on the above technical solution, the dynamic aggregated code generation module starts a background task to periodically poll the payment status interface of the aggregated payment platform to query whether the user has completed the payment.
[0034] Based on the above technical solution, when the payment result is polled, the dynamic aggregated code generation module updates the order status according to the payment result.
[0035] If the payment is successful, mark the order as the paid status.
[0036] If the payment fails or times out, perform corresponding exception handling to notify the user to pay again or cancel the order.
[0037] Based on the above technical solution, the dynamic aggregated code generation module embeds an exception handling mechanism, including a retry mechanism and error logging. When encountering network exceptions or interface return errors, it preferentially calls the exception handling mechanism to handle the encountered exceptions.
[0038] Based on the above technical solution, the dynamic aggregated code generation module embeds security verification rules, specifically including:
[0039] Select a security verification template, and preset security verification nodes, verification methods, and verification details in the security verification template.
[0040] Based on the above technical solution, the security verification nodes include input verification, specifically including:
[0041] Payment method verification: Ensure that the payment method selected by the user is in the list of payment methods predefined by the enterprise to prevent the injection of illegal payment methods;
[0042] Order information verification: Verify the format and range of the order number and order amount to prevent SQL injection or other malicious attacks;
[0043] The security verification node includes encryption and signature, specifically including:
[0044] Request parameter encryption: When generating payment request parameters, encrypt sensitive information (such as order amount) to ensure the security of information during transmission;
[0045] Request signature: Sign the payment request parameters, generate a signature value using the enterprise private key, and carry this signature value in the request header; After receiving the request, the aggregated payment platform uses the enterprise public key to verify the signature to ensure the authenticity and integrity of the request;
[0046] The security verification node includes communication security, specifically including:
[0047] HTTPS protocol: Ensure that the communication with the aggregated payment platform uses the HTTPS protocol to prevent data from being eavesdropped or tampered with during transmission;
[0048] TLS / SSL certificate: Use a trusted TLS / SSL certificate to encrypt the communication to ensure the authentication of both communication parties and data encryption.
[0049] The dynamic aggregated code payment system described in the present invention has the following beneficial effects:
[0050] It realizes the flexible processing of multiple orders, the support of multiple payment methods, the real-time query of payment results and the automatic cancellation of order status, as well as the effective management of prepayments and credit limits, significantly improving the payment efficiency, reducing the operation complexity, enhancing the payment security, and providing a more convenient, efficient and secure payment solution for enterprises. Description of the Drawings
[0051] The present invention has the following drawings:
[0052] The drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention. Among them:
[0053] Figure 1 The system architecture diagram of the first embodiment of the dynamic aggregated code payment system described in the present invention. Detailed Embodiments
[0054] The present invention will be further described in detail below with reference to the accompanying drawings. The detailed description is made in connection with exemplary embodiments of the present invention, including various details of the embodiments of the present invention to facilitate understanding, which should be considered merely exemplary. Therefore, those skilled in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted below.
[0055] As Figure 1 shown, the dynamic aggregated code payment system of the present invention includes:
[0056] A front-end interaction module, responsible for the display and interaction of the user interface, including the presentation of the following interfaces and the processing of user operations: order selection, amount editing, and scan code payment;
[0057] A business logic processing module, processing the following core business logics: order processing, payment result query, credit limit management, receipt entry, order cancellation, and order closure;
[0058] A data access module, used to interact with the database and perform operations of adding, deleting, modifying, and querying data;
[0059] An interface service module, providing docking services with external systems to achieve data exchange and synchronization; the external systems include: a bank payment system, a financial management system, an aggregated payment platform, and a payment asynchronous notification system;
[0060] A dynamic aggregated code generation module, used to call an interface to generate a dynamic aggregated code; the dynamic aggregated code supports multiple payment methods such as WeChat, Alipay, Cloud QuickPass, and Agricultural Bank Mobile Banking;
[0061] An advance payment and credit limit management module, used to manage the receipt of advance payments and manage the credit limit.
[0062] This embodiment improves the user experience, enhances the business processing ability, realizes data interaction and synchronization, supports dynamic aggregated codes, can provide multiple payment methods, manages advance payments and credit limits, enables users to easily complete operations such as order selection, amount editing, and scan code payment, improves the automation degree of the entire payment process, meets the diverse payment needs of users, and improves the flexibility and convenience of payment.
[0063] Based on the above technical solution, when selecting an order, the user is allowed to select at least one order;
[0064] For each selected order, adjust the payment amount of the order through amount editing;
[0065] The QR code payment interface displays a dynamically generated aggregated code, and the payment is completed by scanning the dynamically generated aggregated code. The dynamic aggregated code not only supports multiple payment methods but also generates a new code each time a payment is made, effectively preventing the risk of the payment code being reused or stolen.
[0066] This embodiment increases the flexibility of user operations. Users can process multiple orders in a single payment operation, greatly saving the time and energy of users. Through amount editing, users can adjust the payment amount of the selected order to meet the personalized processing of different order payment requirements.
[0067] Based on the above technical solution, the order processing business logic is responsible for the creation, modification, query, and deletion of orders;
[0068] The payment result query business logic queries the payment result through the interface service module and updates the payment status of the order accordingly;
[0069] The credit limit management business logic is responsible for the application, approval, usage record, and balance query of the credit limit;
[0070] The receipt entry business logic is responsible for automatically entering the receipt according to the document template or manually entering the receipt;
[0071] The order cancellation business logic is responsible for automatically canceling the order according to the payment status of the order or manually canceling the order;
[0072] Closing the order is responsible for manually closing uncompleted orders.
[0073] This embodiment improves the business processing efficiency and accuracy, enhances the credit management function, optimizes the collection process, improves the order cancellation efficiency, improves the order management function, enhances the overall system performance, and improves the user experience.
[0074] Based on the above technical solution, the interface service module is docked with the bank payment system to process payment requests and receive payment results;
[0075] The interface service module is docked with the financial management system to achieve the synchronization of financial data and the generation of reports;
[0076] The interface service module is docked with the aggregated payment platform to integrate multiple payment methods and obtain the corresponding dynamic aggregated code;
[0077] The interface service module is docked with the payment asynchronous notification system to receive asynchronous notifications from the payment platform and ensure the real-time update of the payment status.
[0078] This embodiment realizes the seamless integration of the payment process through the docking of the interface service module with external systems.
[0079] By connecting with the bank payment system to process payment requests and receive payment results, the accuracy and timeliness of payment operations are ensured, intermediate links in the payment process are reduced, and payment efficiency is improved.
[0080] By connecting with the financial management system, the synchronization of financial data and the generation of reports are achieved, ensuring the accuracy and consistency of financial data, and also improving the transparency and traceability of financial management.
[0081] By connecting with the aggregated payment platform, multiple payment methods are integrated and the corresponding dynamic aggregated code is obtained, meeting the diverse payment needs of users, and improving the flexibility and convenience of payment. Users can choose the appropriate payment method according to their preferences and habits, enhancing the user experience.
[0082] By connecting with the payment asynchronous notification system to receive asynchronous notifications from the payment platform, the real-time update of payment status is ensured, enabling the system to timely understand payment results, handle abnormal situations, and improve the reliability and stability of the payment process. At the same time, enterprises can monitor the payment status in real time and conduct refined management and optimization of the payment process.
[0083] Based on the above technical solution, the dynamic aggregated code generation module first receives the list of payment methods predefined by the system. The payment methods include but are not limited to WeChat, Alipay, UnionPay QuickPass, and Agricultural Bank Mobile Payment.
[0084] In the user interface, display the payment methods allowed by the system for the user to choose.
[0085] The user selects at least one payment method according to personal preferences and payment habits.
[0086] According to the payment method selected by the user, the dynamic aggregated code generation module calls the interface of the aggregated payment platform. After passing in the payment method information and order information, the corresponding aggregated code is generated.
[0087] The aggregated payment platform generates a dynamic aggregated code according to the passed-in payment method information and order information.
[0088] Scan the dynamic aggregated code and further select the specific payment method in the pop-up window to perform the payment operation.
[0089] This embodiment enhances the user payment experience, improves the compatibility and scalability of the payment system, enhances payment security and reliability, optimizes the payment process, and improves business efficiency. By automatically generating dynamic aggregated codes and real-time updating payment status, the possibility of manual intervention and errors is reduced, and the accuracy and efficiency of payment are improved. The system can handle requests for multiple payment methods simultaneously, improving the business processing ability.
[0090] The system can easily add or delete payment methods through a predefined list of payment methods to adapt to market changes and changes in user needs.
[0091] By docking with an aggregated payment platform, the system can integrate multiple payment methods and generate a dynamic aggregated code uniformly, which not only simplifies the payment process but also reduces the costs of system development and maintenance.
[0092] Based on the above technical solution, the dynamic aggregated code generation module starts a background task to periodically poll the payment status interface of the aggregated payment platform to query whether the user has completed the payment.
[0093] Based on the above technical solution, when the payment result is polled, the dynamic aggregated code generation module updates the order status according to the payment result;
[0094] If the payment is successful, mark the order as paid;
[0095] If the payment fails or times out, perform corresponding exception handling to notify the user to pay again or cancel the order.
[0096] By automatically updating the order status according to the payment result through the dynamic aggregated code generation module, the automation of the payment process is realized, the manual intervention is reduced, the payment efficiency is improved, and the whole payment process becomes smoother and more efficient.
[0097] Based on the above technical solution, the dynamic aggregated code generation module embeds an exception handling mechanism, including a retry mechanism and error log recording, and preferentially calls the exception handling mechanism to handle the exceptions encountered when network exceptions or interface return errors occur.
[0098] Based on the above technical solution, the dynamic aggregated code generation module embeds security verification rules, specifically including:
[0099] Select a security verification template, and preset security verification nodes, verification methods, and verification details in the security verification template.
[0100] By embedding security verification rules, the dynamic aggregated code generation module adds multiple security guarantees during the payment process. The settings of security verification nodes such as payment method verification, order information verification, request parameter encryption, and request signature effectively prevent security risks such as injection of illegal payment methods, SQL injection, and malicious attacks, ensuring the authenticity and integrity of the payment process.
[0101] Based on the above technical solution, the security verification node includes input verification, specifically including:
[0102] Payment method verification: Ensure that the payment method selected by the user is in the list of payment methods predefined by the enterprise, and prevent the injection of illegal payment methods;
[0103] Order information verification: Verify the format and range of the order number and order amount to prevent SQL injection or other malicious attacks;
[0104] The security verification node includes encryption and signature, specifically including:
[0105] Request parameter encryption: When generating payment request parameters, encrypt sensitive information (such as order amount) to ensure the security of information during transmission;
[0106] Request signature: Sign the payment request parameters, generate a signature value using the enterprise private key, and carry this signature value in the request header; After receiving the request, the aggregated payment platform verifies the signature using the enterprise public key to ensure the authenticity and integrity of the request;
[0107] The use of request parameter encryption and request signature encrypts sensitive information and generates a legally valid signature value, which not only protects the user's data privacy but also prevents the enterprise data from being stolen or tampered with during transmission;
[0108] The security verification node includes communication security, specifically including:
[0109] HTTPS protocol: Ensure that the communication with the aggregated payment platform uses the HTTPS protocol to prevent data from being eavesdropped or tampered with during transmission;
[0110] TLS / SSL certificate: Use a trusted TLS / SSL certificate to encrypt the communication to ensure the authentication of both communication parties and data encryption;
[0111] Adopt the HTTPS protocol and TLS / SSL certificate for communication encryption to ensure the security of communication with the aggregated payment platform.
[0112] In specific implementation, the payment method input by the user is verified in real time on the front-end interface to ensure that the input value is in the list of payment methods predefined by the enterprise; In the back-end business logic processing module, strict format and range verification are performed on the order information, and regular expressions or data verification frameworks are used for verification.
[0113] In specific implementation, use a symmetric encryption algorithm (such as AES) to encrypt sensitive information to ensure the secure storage and management of the encryption key; Use an asymmetric encryption algorithm (such as RSA) to generate the request signature to ensure the secure storage and use of the enterprise private key; When generating payment request parameters, include the encrypted sensitive information and signature value in the request body and send it to the aggregated payment platform.
[0114] In specific implementation, configure the HTTPS communication between the Web server and the aggregated payment platform to ensure that the server uses a valid TLS / SSL certificate; configure the relevant parameters of the HTTPS request in the code, such as the certificate path, certificate password, etc., to ensure the correct sending and receiving of the request.
[0115] In specific implementation, establish a logging system to record all operations and exception information during the generation process of the dynamic aggregated code, facilitating problem tracking and security auditing; regularly test and evaluate the security verification rules to ensure their effectiveness and reliability.
[0116] In specific implementation, regularly update the security verification rules according to the security requirements of the aggregated payment platform and industry security standards to ensure that they keep pace with the times; when security vulnerabilities or attack events are discovered, immediately repair and update the security verification rules to prevent similar events from occurring again.
[0117] The content not described in detail in this specification belongs to the prior art well-known to those skilled in the art.
[0118] The above is only the preferred embodiment of the present invention, and the protection scope of the present invention is not limited to the above embodiment. Any equivalent modification or change made by those skilled in the art according to the disclosure of the present invention shall be included in the protection scope recorded in the claims.
Claims
1. Dynamic aggregation code payment system, characterized by: include: The front-end interaction module is responsible for the display and interaction of the user interface, including the presentation of the following interfaces and the processing of user operations: order selection, amount editing, and QR code payment; Business logic processing module, which handles the following core business logic: order processing, payment result query, credit limit management, receipt entry, order cancellation, and order closing; The data access module is used to interact with the database and perform operations such as adding, deleting, modifying and querying data; Interface service module, which connects with external systems to realize data exchange and synchronization; the external systems include: bank payment system, financial management system, aggregate payment platform, payment asynchronous notification system; Dynamic aggregation code generation module, used to call the interface to generate dynamic aggregation code; dynamic aggregation code supports multiple payment methods such as WeChat, Alipay, Cloud QuickPass, and Palm Bank; The prepayment and credit limit management module is used to manage the prepayment receipts and the credit limit.
2. The dynamic aggregation code payment system according to claim 1, characterized in that: When selecting an order, allow the user to select at least one order; Each time you select an order, you can adjust the payment amount of the order by editing the amount; The scan code payment interface displays the dynamically generated aggregation code, and payment is completed by scanning the dynamically generated aggregation code.
3. The dynamic aggregation code payment system according to claim 1, characterized in that: The order processing business logic is responsible for creating, modifying, querying and deleting orders; The payment result query business logic queries the payment result through the interface service module and updates the payment status of the order accordingly; The credit limit management business logic is responsible for credit limit application, review, usage record and balance inquiry; The receipt entry business logic is responsible for automatically entering the receipt according to the document template, or manually entering the receipt; The order cancellation business logic is responsible for automatically canceling orders based on the payment status of the order, or manually canceling orders; Close Orders is responsible for manually closing unfulfilled orders.
4. The dynamic aggregation code payment system according to claim 1, characterized in that: The interface service module is connected to the bank payment system to process payment requests and receive payment results; The interface service module is connected to the financial management system to achieve synchronization of financial data and report generation; The interface service module connects with the aggregate payment platform, integrates multiple payment methods and obtains the corresponding dynamic aggregation code; The interface service module connects with the payment asynchronous notification system, receives asynchronous notifications from the payment platform, and ensures real-time updates of payment status.
5. The dynamic aggregation code payment system according to claim 1, characterized in that: The dynamic aggregation code generation module first receives a list of payment methods predefined by the system, including but not limited to WeChat, Alipay, Cloud QuickPass, and Palm Bank; In the user interface, display the payment methods allowed by the system for users to choose; The user selects at least one payment method based on personal preferences and payment habits; According to the payment method selected by the user, the dynamic aggregation code generation module calls the interface of the aggregation payment platform, and generates the corresponding aggregation code after inputting the payment method information and order information; The aggregation payment platform generates a dynamic aggregation code based on the incoming payment method information and order information; Scan the dynamic aggregation code and select a specific payment method in the pop-up window to make the payment.
6. The dynamic aggregation code payment system as claimed in claim 5, characterized in that: The dynamic aggregation code generation module starts a background task to regularly poll the payment status interface of the aggregation payment platform to query whether the user has completed the payment.
7. The dynamic aggregation code payment system according to claim 6, characterized in that: When the payment result is polled, the dynamic aggregation code generation module updates the order status according to the payment result; If the payment is successful, the order is marked as paid; If the payment fails or times out, corresponding exception handling will be performed to notify the user to pay again or cancel the order.
8. The dynamic aggregation code payment system according to claim 1, characterized in that: The dynamic aggregation code generation module has an embedded exception handling mechanism, including a retry mechanism and error log recording. When encountering network exceptions or interface return errors, the exception handling mechanism is called first to handle the exceptions encountered.
9. The dynamic aggregation code payment system according to claim 1, characterized in that: The dynamic aggregation code generation module embeds security verification rules in the dynamic aggregation code generation module, including: A security verification template is selected, in which security verification nodes, verification methods and verification details are preset.
10. The dynamic aggregation code payment system according to claim 9, characterized in that: The security verification node includes input verification, specifically including: Payment method verification: ensure that the payment method selected by the user is in the payment method list predefined by the enterprise to prevent the injection of illegal payment methods; Order information verification: Verify the format and range of order number and order amount to prevent SQL injection or other malicious attacks; The security verification node includes encryption and signature, specifically including: Request parameter encryption: When generating payment request parameters, sensitive information (such as order amount) is encrypted to ensure the security of information during transmission; Request signature: Sign the payment request parameters, use the enterprise private key to generate a signature value, and carry the signature value in the request header; after receiving the request, the aggregated payment platform uses the enterprise public key to verify the signature to ensure the authenticity and integrity of the request; The security verification node includes communication security, specifically including: HTTPS protocol: Ensure that the communication with the aggregated payment platform uses the HTTPS protocol to prevent data from being eavesdropped or tampered with during transmission; TLS / SSL Certificate: Use trusted TLS / SSL certificates to encrypt communications, ensuring authentication of both communicating parties and data encryption.