CN114372791A - Order payment method, device and server - Google Patents
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- CN114372791A CN114372791ACN202210022418.7ACN202210022418ACN114372791ACN 114372791 ACN114372791 ACN 114372791ACN 202210022418 ACN202210022418 ACN 202210022418ACN 114372791 ACN114372791 ACN 114372791A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Managing shopping lists, e.g. compiling or processing purchase lists
- G06Q30/0635—Managing shopping lists, e.g. compiling or processing purchase lists replenishment orders; recurring orders
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Abstract
Description
Technical Field
The invention belongs to the technical field of computers, and particularly relates to an order payment method, an order payment device and a server.
Background
In the existing application, after the user finishes the airline ticket reservation process at the merchant website, the merchant website further guides the user to come to a website order payment page, and after the user clicks the payment confirmation gateway, the website jumps the payment request to the processing program of the corresponding gateway to sign the payment data, and jumps the payment page to the third party or the bank payment gateway again. And the third-party gateway or the bank gateway displays a payment page, and after the user inputs a payment account number on the payment page to complete payment, the user page is jumped to an order website by the payment gateway to perform ticketing processing.
According to the payment process in the prior art, the page jump needs to be carried out for multiple times when one order payment is completed, the process is complex, the user experience is poor, and the payment process is low in safety because the page jump is easily attacked by a phishing website due to the multiple times of page jump.
Disclosure of Invention
In view of this, the present invention aims to provide an order payment method, an order payment device, and a server, which reduce the number of page jumps in the payment process, simplify the payment process, and improve the security of the payment process, and the specific scheme is as follows:
in a first aspect, the present invention provides an order payment method, including:
acquiring order information of an order to be paid;
generating and feeding back a payment page according to the order information;
acquiring payment information acquired based on the payment page;
and accessing a payment interface corresponding to the payment information to pay.
Optionally, before generating and feeding back a payment page according to the order information, the method further includes:
and generating a payment data record according to the order information.
Optionally, after the payment is successful, the method further includes:
obtaining notification information representing successful payment;
and sending the notification information to a user according to a preset rule.
Optionally, the sending the notification information to the user according to the preset rule includes:
and sending the notification information to the user according to a preset sending period until feedback information indicating that the information is successfully received is received.
Optionally, the payment information includes a payment method;
the accessing the payment interface corresponding to the payment information for payment comprises:
judging whether the payment mode needs bank gateway authorization;
if the bank gateway is required to authorize, initiating an authorization application;
and if the authorization is successful or the authorization of the bank gateway is not required, accessing a payment interface corresponding to the payment information for payment.
Optionally, if the authorization fails, sending notification information representing the authorization failure;
and returning to the step of generating and feeding back a payment page according to the order information.
Optionally, the order information is recorded in a preset format of the new distribution capability NDC.
In a second aspect, the present invention provides an order payment apparatus, comprising:
the first acquisition unit is used for acquiring order information of an order to be paid;
the feedback unit is used for generating and feeding back a payment page according to the order information;
the second acquisition unit is used for acquiring payment information acquired based on the payment page;
and the payment unit is used for accessing the payment interface corresponding to the payment information to carry out payment.
In a third aspect, the present invention provides a server, comprising: a memory and a processor; the memory stores a program adapted to be executed by the processor to implement the order payment method according to any one of the first aspect of the invention.
Based on the technical scheme, the order payment method provided by the invention comprises the steps of generating and feeding back a payment page according to order information after obtaining the order information of an order to be paid, namely, carrying out page skip once, then obtaining payment information acquired based on the payment page, and accessing a payment interface corresponding to the payment information to carry out payment. Compared with the prior art, the order payment method provided by the invention only needs one page jump, can reduce the page jump times, simplify the whole payment process, improve the use feeling of a user, reduce the possibility of being attacked by a phishing website and contribute to improving the safety of the payment process.
Drawings
The above and other features, advantages and aspects of various embodiments of the present disclosure will become more apparent by referring to the following detailed description when taken in conjunction with the accompanying drawings. Throughout the drawings, the same or similar reference numbers refer to the same or similar elements. It should be understood that the drawings are schematic and that elements and features are not necessarily drawn to scale.
Fig. 1 is a flowchart of an order payment method provided in an embodiment of the present invention;
FIG. 2 is a flow chart of another method for payment of an order according to an embodiment of the present invention;
fig. 3 is a block diagram of an order payment apparatus according to an embodiment of the present invention;
FIG. 4 is a block diagram of another order payment device provided in the embodiment of the present invention;
fig. 5 is a block diagram illustrating a structure of still another order payment apparatus according to an embodiment of the present invention;
fig. 6 is a block diagram of a server according to an embodiment of the present invention.
Detailed Description
Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While certain embodiments of the present disclosure are shown in the drawings, it is to be understood that the present disclosure may be embodied in various forms and should not be construed as limited to the embodiments set forth herein, but rather are provided for a more thorough and complete understanding of the present disclosure. It should be understood that the drawings and embodiments of the disclosure are for illustration purposes only and are not intended to limit the scope of the disclosure.
The term "include" and variations thereof as used herein are open-ended, i.e., "including but not limited to". The term "based on" is "based, at least in part, on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". Relevant definitions for other terms will be given in the following description.
It should be noted that the terms "first", "second", and the like in the present disclosure are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence relationship of the functions performed by the devices, modules or units.
It is noted that references to "a", "an", and "the" modifications in this disclosure are intended to be illustrative rather than limiting, and that those skilled in the art will recognize that "one or more" may be used unless the context clearly dictates otherwise.
Referring to fig. 1, fig. 1 is a flowchart of an order payment method provided by an embodiment of the present invention, where the method is applicable to an electronic device, where the electronic device may be a payment gateway or a data server; referring to fig. 1, a flow of an order payment method provided by an embodiment of the present invention may include:
s100, obtaining order information of the order to be paid.
In practical applications, airlines are mostly provided with servers dedicated to order management, or other devices with similar functions.
The seller or the agent of the airline company is in communication connection with the order management server of the airline company, and after the consumer selects a required air ticket product on the air ticket selling page of the seller or the agent, for example, the consumer selects an air ticket which arrives at Shanghai from Beijing on a certain day, so that the economic cabin has 1000 yuan of value. The seller or the agent generates a payment request to the order management server according to the air ticket product selected by the consumer, wherein the payment request comprises flight details, identity information of the consumer, initial selection of a payment mode, payment amount and other information.
After receiving the payment request, the order management server checks the stock, if the payment request does not meet the predetermined condition, the order management server decides the payment request, and if the stock is sufficient, the order management server temporarily locks the stock data, generates order information of the order to be paid, and simultaneously sends the order information of the order to be paid to the electronic device executing the order payment method provided by the embodiment of the invention, that is, the order information acquired by the electronic device in the step is provided by the order management server. Optionally, the order information at least includes information such as order merchant information, commodity description, commodity price, transaction time, asynchronous communication address, benefit information, and consumer identification.
It should be emphasized that, for the popularization and use of the NDC (New Distribution Capability) standard, the order information mentioned in the embodiment of the present invention is recorded in the preset format of the NDC standard, and meets the relevant format requirement of the NDC standard. That is, in practical applications, a payment request initiated by a vendor or an agent is sent to an order management server in a customized data format, and the order management server analyzes and encapsulates effective dead centers in the payment request based on a preset format of the NDC standard and then sends the effective dead centers to downstream equipment.
And S110, generating and feeding back a payment page according to the order information.
After the electronic device executing the order management method provided by the embodiment of the invention obtains the order information, a payment page is generated according to the order information, and the payment page precise order management server is further fed back to a seller or an agent, namely, page skip is carried out once. Of course, in practical application, the payment page may be implemented by using an address connection.
Optionally, a payment data record may be generated synchronously according to the order information, where the payment data record has multiple functions, and may provide content such as order query information and order status to a vendor, and may also provide reference information for asynchronous notification and verification of order information in subsequent steps.
And S120, obtaining payment information collected based on the payment page.
After the seller or the agent obtains the payment page, the payment page is displayed to the consumer, and the consumer can fill in information such as a payment card number according to the content of the payment page, for example, the payment mode selected by the consumer is a payment mode of a business bank, and the payment information such as the business bank card number needs to be further filled in the payment page.
And S130, accessing a payment interface corresponding to the payment information to pay.
Optionally, the payment information includes a payment method further selected by the user, at this time, it can be further determined whether the payment method selected by the user requires authorization of a bank gateway, if the payment method requires authorization of the bank gateway, an authorization application is initiated to the corresponding bank gateway, and if the authorization is successful or authorization of the bank gateway is not required, the payment interface corresponding to the payment information is further accessed for deduction payment; on the contrary, if the authorization fails, the order management server feeds back notification information representing the authorization failure to the seller or the agent, and meanwhile, the step S110 is returned, the consumer reselects the payment mode, further obtains the changed payment information, and performs the subsequent payment operation again. Further, if the payment fails, the step S110 may also be fed back to reselect the payment method.
In summary, compared with the prior art, the order payment method provided by the invention only needs one page jump, so that the page jump times can be reduced, the whole payment process is simplified, the use experience of the user is improved, the possibility of being attacked by the phishing website is reduced, and the safety of the payment process is improved.
Optionally, referring to fig. 2, fig. 2 is a flowchart of another order payment method provided in the embodiment of the present invention, and based on the embodiment shown in fig. 1 (on the premise that the payment is successful), the flow of the order payment method provided in this embodiment may further include:
and S140, acquiring notification information representing successful payment.
After the deduction is successful, the bank gateway feeds back notification information representing the successful payment to the electronic equipment executing the order payment method provided by the embodiment of the invention, after the electronic equipment acquires the notification information, the electronic equipment firstly verifies the order information, the verification process mainly comprises the steps of inquiring the payment data record according to the order number of the order to be paid, verifying the consistency of the order payment amount, the merchant number, the database order information and other contents, and if the order payment amount, the merchant number, the database order information and other contents are consistent, the verification is passed.
And S150, sending notification information to a user according to a preset rule.
After the verification is passed, the electronic equipment sends notification information to the user according to a preset sending period until feedback information indicating that the representation information is successfully received is received.
As can be seen from the foregoing, the electronic device is connected to the vendor or the agent through the order management server, so that, in practical application, the communication information is repeatedly sent to the order management server according to a preset sending period until receiving the feedback information that the representation information fed back by the order management server is successfully received. Further, the order management server may send the feedback information to the seller or the agent in the same manner until receiving the feedback information sent by the seller or the agent.
Further, after the seller or the agent receives the notification message, the ticket booking service of the order to be paid can be completed, and the consumer is informed that the corresponding air ticket product has been successfully purchased.
Compared with the prior art, the order payment method provided by the embodiment of the invention can reduce the interaction process among different devices as much as possible, improve the payment success rate, and enable a consumer to directly purchase an air ticket at an agent, and the payment item can directly reach an airline merchant, thereby omitting an intermediate settlement process and improving the payment efficiency.
It is to be noted that the flow charts in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
It should also be noted that while the operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous.
It should be understood that the various steps recited in the method embodiments of the present disclosure may be performed in a different order, and/or performed in parallel. Moreover, method embodiments may include additional steps and/or omit performing the illustrated steps. The scope of the present disclosure is not limited in this respect.
In the following, the order payment apparatus provided in the embodiment of the present invention is introduced, and the order payment apparatus described below may be regarded as a functional module architecture that needs to be set in the central device to implement the order payment method provided in the embodiment of the present invention; the following description may be cross-referenced with the above.
Fig. 3 is a block diagram of an order payment apparatus according to an embodiment of the present invention, and referring to fig. 3, the apparatus may include:
a first obtainingunit 10, configured to obtain order information of an order to be paid;
thefeedback unit 20 is configured to generate and feed back a payment page according to the order information;
a second obtainingunit 30, configured to obtain payment information collected based on the payment page;
and thepayment unit 40 is used for accessing the payment interface corresponding to the payment information to pay.
Optionally, the payment information includes a payment method;
thepayment unit 40 is configured to access a payment interface corresponding to the payment information to perform payment, and includes:
judging whether the payment mode needs bank gateway authorization;
if the bank gateway is required to authorize, initiating an authorization application;
and if the authorization is successful or the authorization of the bank gateway is not required, accessing a payment interface corresponding to the payment information for payment.
Optionally, thepayment unit 40 is further configured to, if the authorization fails, send notification information indicating that the authorization fails, and trigger thefeedback unit 20.
Optionally, referring to fig. 4, fig. 4 is a block diagram of another order payment apparatus provided in the embodiment of the present invention, and on the basis of the embodiment shown in fig. 3, the order payment apparatus provided in the embodiment of the present invention further includes:
and therecording unit 50 is used for generating a payment data record according to the order information.
Optionally, referring to fig. 5, fig. 5 is a block diagram of a structure of another order payment apparatus provided in the embodiment of the present invention, and on the basis of the embodiment shown in fig. 3, the order payment apparatus provided in the embodiment of the present invention further includes:
a third obtainingunit 60, configured to obtain notification information indicating that the payment is successful;
a sendingunit 70, configured to send the notification information to a user according to a preset rule.
Optionally, the sendingunit 70 is configured to send the notification information to the user according to a preset rule, and includes:
and sending the notification information to the user according to a preset sending period until feedback information indicating that the information is successfully received is received.
It should be noted that the units described in the embodiments of the present disclosure may be implemented by software, and may also be implemented by hardware. Where the name of a unit does not in some cases constitute a limitation on the unit itself, for example, the first acquiring unit may also be described as "a unit that acquires order information".
Referring now to FIG. 6, a block diagram of aserver 600 suitable for use in implementing embodiments of the present disclosure is shown. Theserver 600 may include a processing device (e.g., central processing unit, graphics processor, etc.) 601 that may perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)602 or a program loaded from astorage device 606 into a Random Access Memory (RAM) 603. The memory stores a program suitable for being executed by the processor to implement the flight slot resource allocation method provided by any one of the above embodiments of the invention. In theRAM 603, various programs and data necessary for the operation of theelectronic apparatus 600 are also stored. Theprocessing device 601, theROM 602, and theRAM 603 are connected to each other via abus 604. An input/output (I/O)interface 605 is also connected tobus 604.
Generally, the following devices may be connected to the I/O interface 605:input devices 606 including, for example, a touch screen, touch pad, keyboard, mouse, camera, microphone, accelerometer, gyroscope, etc.;output devices 607 including, for example, a Liquid Crystal Display (LCD), a speaker, a vibrator, and the like;storage 606 including, for example, magnetic tape, hard disk, etc.; and acommunication device 609. The communication means 609 may allow theelectronic device 600 to communicate with other devices wirelessly or by wire to exchange data. While fig. 6 illustrates aserver 600 having various means, it is to be understood that not all illustrated means are required to be implemented or provided. More or fewer devices may alternatively be implemented or provided.
Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are disclosed as example forms of implementing the claims.
While several specific implementation details are included in the above discussion, these should not be construed as limitations on the scope of the disclosure. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.
The foregoing description is only exemplary of the preferred embodiments of the disclosure and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the disclosure herein is not limited to the particular combination of features described above, but also encompasses other embodiments in which any combination of the features described above or their equivalents does not depart from the spirit of the disclosure. For example, the above features and (but not limited to) the features disclosed in this disclosure having similar functions are replaced with each other to form the technical solution.
Claims (10)
1. An order payment method, comprising:
acquiring order information of an order to be paid;
generating and feeding back a payment page according to the order information;
acquiring payment information acquired based on the payment page;
and accessing a payment interface corresponding to the payment information to pay.
2. The order payment method of claim 1, before generating and feeding back a payment page according to the order information, further comprising:
and generating a payment data record according to the order information.
3. The order payment method of claim 2, further comprising, after payment is successful:
obtaining notification information representing successful payment;
and sending the notification information to a user according to a preset rule.
4. The order payment method of claim 3, wherein said sending said notification message to the user according to the preset rule comprises:
and sending the notification information to the user according to a preset sending period until feedback information indicating that the information is successfully received is received.
5. The order payment method of claim 1, wherein the payment information includes a payment method;
the accessing the payment interface corresponding to the payment information for payment comprises:
judging whether the payment mode needs bank gateway authorization;
if the bank gateway is required to authorize, initiating an authorization application;
and if the authorization is successful or the authorization of the bank gateway is not required, accessing a payment interface corresponding to the payment information for payment.
6. The order payment method of claim 5, wherein if the authorization fails, sending a notification message indicating the authorization failure;
and returning to the step of generating and feeding back a payment page according to the order information.
7. The order payment method as claimed in claim 1, wherein the order information is recorded in a preset format of a new distribution capability NDC.
8. An order payment device, comprising:
the first acquisition unit is used for acquiring order information of an order to be paid;
the feedback unit is used for generating and feeding back a payment page according to the order information;
the second acquisition unit is used for acquiring payment information acquired based on the payment page;
and the payment unit is used for accessing the payment interface corresponding to the payment information to carry out payment.
9. The order payment device of claim 8, further comprising:
and the recording unit is used for generating a payment data record according to the order information.
10. A server, comprising: a memory and a processor; the memory stores a program adapted to be executed by the processor to implement the order payment method of any one of claims 1 to 7.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210022418.7ACN114372791A (en) | 2022-01-10 | 2022-01-10 | Order payment method, device and server |
| PCT/CN2022/087634WO2023130612A1 (en) | 2022-01-10 | 2022-04-19 | Order payment method and apparatus, and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210022418.7ACN114372791A (en) | 2022-01-10 | 2022-01-10 | Order payment method, device and server |
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| CN114372791Atrue CN114372791A (en) | 2022-04-19 |
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| CN202210022418.7APendingCN114372791A (en) | 2022-01-10 | 2022-01-10 | Order payment method, device and server |
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| WO (1) | WO2023130612A1 (en) |
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| CN119090504B (en)* | 2024-11-08 | 2025-02-14 | 天津金城银行股份有限公司 | A payment management platform, computer device and readable storage medium |
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| WO2023130612A1 (en) | 2023-07-13 |
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