Clearing System Digital Signature Routing for Payment Processing
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Solution Overview
Problem
Current payment processing methods are inefficient due to lengthy interactive processes and dependency on SDKs, leading to routing failures and reduced payment processing efficiency, especially during merchant software upgrades.
Innovation Solution
A payment processing method that uses a clearing system to digitally sign payment requests and provide routing jump addresses, allowing the merchant end to jump to the account end for verification, thereby simplifying interactions and reducing complexity, while improving security and efficiency.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If the merchant software interacts with the account backend system through the SDK routing method, then the payment processing can be completed, but the interactive process link becomes lengthy and the payment processing efficiency deteriorates
Solution Approach 1:
The patent extracts the clearing system as an independent intermediary component from the direct interaction between merchant software and account backend system. The clearing system receives payment requests from merchants, performs digital signature verification, and forwards verified requests to account backend systems, thereby simplifying the overall interaction flow and improving payment processing efficiency.
Solution Approach 2:
The clearing system acts as an intermediary between the merchant end and the account backend system. It receives payment requests from merchants through the order receiving system, digitally signs them, and forwards them to the appropriate account backend system via routing jump addresses. This intermediary role reduces the complexity of direct interactions and streamlines the payment processing flow.
2Reliability
If the merchant software uses SDK routing to jump to account software, then payment processing can be achieved, but the system becomes highly dependent and prone to routing failures during software upgrades
Solution Approach 1:
The clearing system provides a universal payment processing interface that works across different account backend systems. By using standardized digital signature verification and routing jump address mechanisms, the system maintains consistent payment processing capabilities regardless of which account software is used, thereby improving reliability while maintaining adaptability to software upgrades.
Solution Approach 2:
The clearing system performs preliminary digital signature verification on payment requests before forwarding them to account backend systems. This preliminary action ensures that only valid, authenticated payment requests are processed, improving reliability while allowing the merchant software to upgrade independently without affecting the core payment verification mechanism.
3Reliability
If the clearing system directly sends payment requests to account backend systems, then payment processing can be completed, but the interaction links become complex and security is compromised
Solution Approach 1:
The clearing system serves as a secure intermediary that all payment requests must pass through. It digitally signs payment requests using its private key and verifies responses from account backend systems. This centralized intermediary approach simplifies security management and interaction links while maintaining high security standards.
Solution Approach 2:
The clearing system implements a feedback mechanism where it receives payment requests from merchants, digitally signs them, forwards to account backend systems, receives execution results, and returns them to merchants. This standardized feedback loop through the clearing system simplifies interaction links while ensuring security through digital signature verification at each step.
Data Source
AI summary
A payment processing method is applied to a clearing system. The method includes receiving a payment request sent by a merchant end; digitally signing the payment request, and returning a response result to the merchant end, wherein the response result includes a routing jump address corresponding to an account end, so that the merchant end jumps to the account end according to the routing jump address, and sends the digitally signed payment request to an account backend system for verification through the account end, and after the verification of digital signature is passed, the account backend system performs payment operation corresponding to the payment request and obtains a payment operation result; and receiving the payment operation result sent by the account backend system, and returning the payment operation result to the merchant end.