CN114493566A - Railway freight payment method and device - Google Patents
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Abstract
Translated fromChinese
Description
Translated fromChinese【技术领域】【Technical field】
本发明实施例涉及铁路技术领域，尤其涉及一种铁路货运支付方法和装置。The embodiments of the present invention relate to the technical field of railways, and in particular, to a railway freight payment method and device.
【背景技术】【Background technique】
近年来，市场上主流支付方式得到广泛应用，但由于铁路局货运具有票面金额大、运量集中、作业封闭等特性，导致货运电子支付市场化程度不高，目前仅有线下POS机刷卡渠道。因此，货主需要不分时段在货运车站制票窗口缴费，往往货主支付和铁路承运以及窗口结算存在时间上不匹配的问题，给货主带来诸多不便。而且当前铁路局数量较多，各个铁路局开立各家银行对应的结算账户，会给铁路局带来非常大的工作量。In recent years, the mainstream payment methods in the market have been widely used. However, due to the characteristics of railway bureau freight with large face value, concentrated transportation volume, and closed operations, the marketization of freight electronic payment is not high. Currently, there are only offline POS machine card swiping channels. Therefore, the cargo owner needs to pay at the ticketing window of the freight station regardless of the time period. Often, there is a time mismatch between the cargo owner's payment, the railway transportation and the window settlement, which brings a lot of inconvenience to the cargo owner. Moreover, there are currently a large number of railway bureaus, and each railway bureau opens a settlement account corresponding to each bank, which will bring a very large workload to the railway bureau.
并且在进行现有网银转账时，货主通过银行网银或者在窗口发起网银转账操作实现网银转账，信息较为封闭。因此，如何解决铁路网银的转账复杂以及实现信息公开，成为亟待解决的问题。In addition, when carrying out the existing online banking transfer, the owner of the consignee realizes the online banking transfer through the bank online banking or initiates the online banking transfer operation at the window, and the information is relatively closed. Therefore, how to solve the complicated transfer of railway online banking and realize information disclosure has become an urgent problem to be solved.
【发明内容】[Content of the invention]
本发明实施例提供了一种铁路货运支付方法和装置。本发明实施例可以使用电子支付服务器对业务设备和网银设备发送的相关转账信息和结果进行处理，实现了铁路货运支付流程贯穿业务系统和银行，使货运转账信息不再封闭。Embodiments of the present invention provide a railway freight payment method and device. The embodiment of the present invention can use the electronic payment server to process the relevant transfer information and results sent by the business equipment and the online banking equipment, so that the railway freight payment process runs through the business system and the bank, and the freight transfer information is no longer closed.
第一方面，本发明实施例提供一种铁路货运支付方法，包括：In a first aspect, an embodiment of the present invention provides a railway freight payment method, including:
接收业务设备发送的第一转账请求，所述第一转账请求包含货运订单信息、付款方信息和路局信息；receiving a first transfer request sent by the business device, where the first transfer request includes freight order information, payer information and road bureau information;
根据所述路局信息确定收款方信息；Determine the payee information according to the road bureau information;
根据所述货运订单信息、所述付款方信息和所述收款方信息，确定第二转账请求；determining a second transfer request according to the shipping order information, the payer information and the payee information;
将所述第二转账请求发送给银行服务器，以使所述银行服务器根据所述第二转账请求进行转账操作，并根据所述转账操作的结果分别向付款方和所述电子支付服务器发送转账结果；Sending the second transfer request to the bank server, so that the bank server performs a transfer operation according to the second transfer request, and sends the transfer result to the payer and the electronic payment server respectively according to the result of the transfer operation ;
将来自所述银行服务器的转账结果发送给所述业务设备，以供付款方在所述业务设备复核转账结果。The transfer result from the bank server is sent to the business device for the payer to review the transfer result at the business device.
其中一种可能的实现方式中，所述第一转账请求为加密请求；接收业务设备发送的第一转账请求之后，包括：In one of the possible implementations, the first transfer request is an encryption request; after receiving the first transfer request sent by the service device, the method includes:
通过私有密钥和解密算法对所述第一转账请求进行解密，获取货运订单信息、付款方信息和路局信息。The first transfer request is decrypted by using the private key and the decryption algorithm to obtain freight order information, payer information and road bureau information.
根据所述货运订单信息、所述付款方信息和所述收款方信息，确定第二转账请求，包括：According to the freight order information, the payer information and the payee information, the second transfer request is determined, including:
其中一种可能的实现方式中，通过公开密钥和加密算法对所述货运订单信息、所付款方信息和所述收款方信息进行加密，生成第二转账请求并发送给银行服务器。In one possible implementation manner, the freight order information, the payee information, and the payee information are encrypted by using a public key and an encryption algorithm, and a second transfer request is generated and sent to the bank server.
其中一种可能的实现方式中，还包括：接收所述银行服务器发送的取消转账通知，所述取消转账通知由所述银行服务器响应于付款方对货运订单的取消转账操作所生成；One of the possible implementations further includes: receiving a transfer cancellation notification sent by the bank server, where the transfer cancellation notification is generated by the bank server in response to the payer's transfer cancellation operation on the freight order;
将所述取消转账通知转发给所述业务设备。The transfer cancellation notification is forwarded to the service device.
其中一种可能的实现方式中，还包括：接收到银行服务器发送的退款通知，所述退款通知由所述银行服务器响应于铁路局人员对货运订单的退款操作所生成；In one possible implementation manner, the method further includes: receiving a refund notification sent by a bank server, where the refund notification is generated by the bank server in response to a refund operation of the freight order by the railway bureau personnel;
将所述退款通知转发给所述业务设备。The chargeback notification is forwarded to the service device.
其中一种可能的实现方式中，还包括：接收到所述业务设备发送的转账结果查询请求；One of the possible implementations further includes: receiving a transfer result query request sent by the service device;
将所述转账结果查询请求发送给所述银行服务器，所述转账结果查询请求用于所述银行服务器查找对应的转账结果；Sending the transfer result query request to the bank server, where the transfer result query request is used by the bank server to find the corresponding transfer result;
接收所述转账结果并转发给所述业务设备。The transfer result is received and forwarded to the service device.
使用电子支付服务器对业务设备和网银设备发送的相关转账信息和结果进行处理，实现了铁路货运支付流程贯穿业务系统和银行，货运转账信息不再封闭。The electronic payment server is used to process the relevant transfer information and results sent by the business equipment and online banking equipment, so that the railway freight payment process runs through the business system and the bank, and the freight transfer information is no longer closed.
第二方面，本发明实施例提供一种铁路货运支付装置，包括：In a second aspect, an embodiment of the present invention provides a railway freight payment device, including:
接收模块，用于接收业务设备发送的第一转账请求，所述第一转账请求包含货运订单信息、付款方信息和路局信息；a receiving module, configured to receive a first transfer request sent by the business device, where the first transfer request includes freight order information, payer information and road bureau information;
第一确定模块，用于根据所述路局信息确定收款方信息；a first determining module, configured to determine payee information according to the road bureau information;
第二确定模块，用于根据所述货运订单信息、所述付款方信息和所述收款方信息，确定第二转账请求；a second determining module, configured to determine a second transfer request according to the freight order information, the payer information and the payee information;
第一发送模块，用于将所述第二转账请求发送给银行服务器，以使所述银行服务器根据所述第二转换请求进行转账操作，并根据所述转账操作的结果分别向付款方和所述电子支付服务器发送转账结果；The first sending module is used for sending the second transfer request to the bank server, so that the bank server performs a transfer operation according to the second transfer request, and sends the payment to the payer and the bank respectively according to the result of the transfer operation. The electronic payment server sends the transfer result;
第二发送模块，用于将来自所述银行服务器的转账结果发送给所述业务设备，以供付款方在所述业务设备复核转账结果。The second sending module is configured to send the transfer result from the bank server to the business device, so that the payer can check the transfer result on the business device.
其中一种可能的实现方式中，还包括：解密模块，用于通过私有密钥和解密算法对所述第一转账请求进行解密，获取货运订单信息、付款方信息和路局信息。One of the possible implementations further includes: a decryption module, configured to decrypt the first transfer request by using a private key and a decryption algorithm to obtain freight order information, payer information and road bureau information.
其中一种可能的实现方式中，还包括：第二确定模块，用于通过公开密钥和加密算法对所述货运订单信息、所付款方信息和所述收款方信息进行加密，生成第二转账请求并发送给银行服务器。One of the possible implementations further includes: a second determination module, configured to encrypt the freight order information, the payee information and the payee information by using a public key and an encryption algorithm, and generate a second determination module. Transfer request and send to bank server.
其中一种可能的实现方式中，还包括：第二接收模块，用于接收所述银行服务器发送的取消转账通知，所述取消转账通知由所述银行服务器响应于付款方对货运订单的取消转账操作所生成；第三发送模块，用于将所述取消转账通知发送给所述业务设备。One of the possible implementations further includes: a second receiving module, configured to receive a transfer cancellation notification sent by the bank server, and the transfer cancellation notification is sent by the bank server in response to the payer's cancellation of the transfer of the freight order. generated by the operation; and a third sending module, configured to send the transfer cancellation notification to the service device.
其中一种可能的实现方式中，第三接收模块，用于接收到银行服务器发送的退款通知，所述退款通知由所述银行服务器响应于铁路局人员对货运订单的退款操作所生成；第四发送模块，用于将所述退款通知转发给所述业务设备。In one possible implementation manner, the third receiving module is configured to receive a refund notification sent by the bank server, where the refund notification is generated by the bank server in response to the refund operation of the freight order by the railway bureau personnel ; a fourth sending module, configured to forward the refund notification to the service device.
其中一种可能的实现方式中，第四接收模块，用于接收到所述业务设备发送的转账结果查询请求；第五发送模块，用于将所述转账结果查询请求发送给所述银行服务器，所述转账结果查询请求用于所述银行服务器查找对应的转账结果；第五接收模块，用于接收所述转账结果并转发给所述业务设备。In one of the possible implementations, the fourth receiving module is configured to receive the transfer result query request sent by the business device; the fifth sending module is configured to send the transfer result query request to the bank server, The transfer result query request is used by the bank server to search for the corresponding transfer result; the fifth receiving module is configured to receive the transfer result and forward it to the service device.
第三方面，本发明实施例提供一种电子设备，包括：In a third aspect, an embodiment of the present invention provides an electronic device, including:
至少一个处理器；以及at least one processor; and
与所述处理器通信连接的至少一个存储器，其中：at least one memory communicatively coupled to the processor, wherein:
所述存储器存储有可被所述处理器执行的程序指令，所述处理器调用所述程序指令能够执行第一方面提供的方法。The memory stores program instructions executable by the processor, and the processor invokes the program instructions to execute the method provided in the first aspect.
第四方面，本发明实施例提供一种铁路货运支付系统，所述铁路货运支付系统包括业务设备、电子支付服务器和银行服务器，所述业务设备与所述电子支付服务器相连，所述电子支付服务器与所述银行服务器相连；其中，In a fourth aspect, an embodiment of the present invention provides a railway freight payment system, the railway freight payment system includes a business device, an electronic payment server and a bank server, the business device is connected to the electronic payment server, and the electronic payment server connected to the bank server; wherein,
所述业务设备用于响应于付款方对货运订单的选择操作，生成第一转账请求并发送给电子支付服务器，以及将所述电子支付服务器发送的结果通知给付款方；The business device is configured to generate a first transfer request and send it to the electronic payment server in response to the payment party's selection operation on the shipping order, and notify the payer of the result sent by the electronic payment server;
所述银行服务器用于根据第二转账请求向付款方发送转账通知，以及响应于付款方根据所述转账通知进行付款操作，生成转账结果并分别发送给付款方和电子支付服务器；还用于将所述转账结果发送给铁路局人员，所述转账结果中的转账资金数额用于和所述转账信息中的订单数额进行比对；The bank server is used to send a transfer notification to the payer according to the second transfer request, and in response to the payer performing a payment operation according to the transfer notification, generate a transfer result and send it to the payer and the electronic payment server respectively; The transfer result is sent to the railway bureau personnel, and the transfer fund amount in the transfer result is used to compare with the order amount in the transfer information;
所述电子支付服务器用于执行第一方面提供的方法。The electronic payment server is used to execute the method provided by the first aspect.
第五方面，本发明实施例提供一种计算机可读存储介质，所述计算机可读存储介质存储计算机指令，所述计算机指令使所述计算机执行第一方面提供的方法。In a fifth aspect, an embodiment of the present invention provides a computer-readable storage medium, where the computer-readable storage medium stores computer instructions, and the computer instructions cause the computer to execute the method provided in the first aspect.
应当理解的是，本说明书的第二～第五方面与本说明书的第一方面的技术方案一致，各方面及对应的可行实施方式所取得的有益效果相似，不再赘述。It should be understood that the second to fifth aspects of this specification are consistent with the technical solutions of the first aspect of this specification, and the beneficial effects obtained by various aspects and corresponding feasible implementations are similar, and will not be repeated.
【附图说明】【Description of drawings】
为了更清楚地说明本发明实施例的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其它的附图。In order to illustrate the technical solutions of the embodiments of the present invention more clearly, the following briefly introduces the accompanying drawings used in the embodiments. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained from these drawings without any creative effort.
图1为本发明实施例提供的一种铁路货运支付系统的结构示意图；1 is a schematic structural diagram of a railway freight payment system according to an embodiment of the present invention;
图2为本发明实施例提供的一种铁路货运支付方法的流程图；2 is a flowchart of a railway freight payment method provided by an embodiment of the present invention;
图3为本发明实施例提供的一种铁路货运支付装置的结构示意图；3 is a schematic structural diagram of a railway freight payment device according to an embodiment of the present invention;
图4为本发明电子设备一个实施例的结构示意图。FIG. 4 is a schematic structural diagram of an embodiment of an electronic device of the present invention.
【具体实施方式】【Detailed ways】
为了更好的理解本发明的技术方案，下面结合附图对本发明实施例进行详细描述。In order to better understand the technical solutions of the present invention, the embodiments of the present invention are described in detail below with reference to the accompanying drawings.
应当明确，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其它实施例，都属于本说明书保护的范围。It should be understood that the described embodiments are only some, but not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this specification.
在本发明实施例中使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本说明书。在本发明实施例和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式，除非上下文清楚地表示其他含义。The terms used in the embodiments of the present invention are only for the purpose of describing specific embodiments, and are not intended to limit the present specification. As used in the embodiments of the present invention and the appended claims, the singular forms "a," "the," and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise.
本发明实施例为了提升铁路货运电子支付服务质量，实现铁路货运支付流程贯穿业务系统和银行，信息不再封闭。对铁路电子支付平台功能进行优化，提供了一种铁路货运支付系统。图1为本发明实施例提供的一种铁路货运支付系统的结构示意图，如图1所示，上述货运网银转账系统100包括业务设备101、电子支付服务器102和银行服务器103，所述业务设备101与所述电子支付服务器102相连，所述电子支付服务器102与所述银行服务器103相连。In order to improve the service quality of railway freight electronic payment, the embodiment of the present invention realizes that the railway freight payment process runs through the business system and the bank, and the information is no longer closed. The function of railway electronic payment platform is optimized, and a railway freight payment system is provided. FIG. 1 is a schematic structural diagram of a railway freight payment system according to an embodiment of the present invention. As shown in FIG. 1 , the above-mentioned freight online banking transfer system 100 includes a business device 101, an electronic payment server 102 and a
其中，业务设备101响应于付款方对货运订单的选择操作，生成加密的第一转账请求并发送给电子支付服务器102，电子支付服务器102对加密的第一转账请求进行处理，生成第二转账请求并发送给银行处理器103。银行服务器103根据转账请求的收款方开户行联行号确定收款银行，则当将第二转账请求显示给收款银行的业务人员后，可响应于业务人员对第二转账请求的操作生成转账通知。将转账通知发送给付款方，响应于付款方根据转账通知进行付款，生成转账结果并发送给电子支付服务器102，电子支付服务器 102则将转账结果转发给业务设备101。业务设备101和银行服务器103还分别将转账信息和转账结果发送给铁路局人员，转账结果中的资金数额用于和转账信息中的订单数额进行比对，最后比对的差异信息要进行标记存储并生成审核结果。核对要分两步进行：第一步，以转账复核结果的数据查转账信息的流水号和金额，需要放宽查找的时间范围，未找到及金额不一致的，进行标记和存储，并进行提示反馈；第二步，以转账信息查转账复核结果的数据，未找到及金额不一致的，进行标记和存储，并进行提示反馈。将支付核对不通过的记录，把平台流水号、业务流水号、交易类型、平台交易时间、业务结账日期、业务交易时间、交易金额、业务系统、路局、车站、窗口号、支付方式、收单行ID、原业务流水号、原交易金额、退款类型、原支付方式、平台退款状态、业务受理时间以及核对状态信息，形成约定的反馈文件；将电子运单核对结果按站按天形成“货运车站窗口日结账表”进行列报。The business device 101 generates an encrypted first transfer request and sends it to the electronic payment server 102 in response to the payer's selection operation on the shipping order, and the electronic payment server 102 processes the encrypted first transfer request and generates a second transfer request and sent to the
电子支付服务器102当前提供铁路路局收款账户信息维护功能、网银转账交易信息查询功能、网银转账报表统计功能，网银转账交易信息查询功能、接口参数配置维护功能以及证书参数维护功能。其中，收款账户信息包括收款单位账号、收款单位户名、收款单位开户联行号、收款单位开户行名称、收款路局等信息。网银转账交易信息包括通过业务流水号、平台流水号、交易时间、交易状态、交易银行、路局、货主等。网银转账报表统计信息包括按日、按月、按年、时间段、路局、货主等。接口参数配置信息包括接口名称、接口版本、接口请求地址、接口类型、接口ID、接口银行等。银行证书参数包括签名证书ID、签名证书、签名证书密码、加密证书ID、加密证书、加密证书密码、验签证书ID、验签证书、验签证书密码、解密证书ID、解密证书、解密证书密码、银行ID等。The electronic payment server 102 currently provides the function of maintaining the collection account information of the Railway Bureau, the function of querying online banking transfer transaction information, the function of online banking transfer report statistics, the function of querying online banking transfer transaction information, the function of maintaining interface parameter configuration, and the function of maintaining certificate parameters. The collection account information includes the account number of the collection unit, the account name of the collection unit, the account number of the collection unit, the name of the account opening bank of the collection unit, the collection road bureau and other information. Online banking transfer transaction information includes business serial number, platform serial number, transaction time, transaction status, transaction bank, road bureau, cargo owner, etc. The statistical information of online banking transfer report includes daily, monthly, yearly, time period, road bureau, cargo owner, etc. The interface parameter configuration information includes interface name, interface version, interface request address, interface type, interface ID, interface bank, etc. Bank certificate parameters include signature certificate ID, signature certificate, signature certificate password, encryption certificate ID, encryption certificate, encryption certificate password, verification certificate ID, verification certificate, verification certificate password, decryption certificate ID, decryption certificate, decryption certificate password , Bank ID, etc.
还提供服务器资源监控功能，包括监控服务器CPU使用率、I/O读写、内存使用率、网络流量、磁盘使用率、数据库资源、线程资源等信息监控。提供网络连通性监控功能，包括与银行专线网络、与铁路95306网络、与数据库网络、与负载设备网络、内外网隔离网络等网络资源监控。提供应用服务状态监控功能，包括接收业务系统服务监控、转发银行系统服务监控、接收银行通知服务监控、转发业务响应服务监控、内外网隔离交互服务监控、各个银行安全处理服务(加解密、签名验签)监控等服务状态监控。提供网银转账业务监控，包括网银转账请求数、转发银行数、网银转账处理成功数、网银转账处理失败数、网银转账处理结果未知数、网银转账金额、按分钟、小时、天、路局的曲线监控、交易量预测等网银转账业务监控。在此基础上，电子支付服务器102实现了一种铁路货运支付方法，具体的实现方法如图2 所示。It also provides server resource monitoring functions, including monitoring server CPU usage, I/O read and write, memory usage, network traffic, disk usage, database resources, thread resources and other information monitoring. Provides network connectivity monitoring functions, including monitoring of network resources such as the dedicated line network with banks, the 95306 network with the railway, the network with the database, the network with the load equipment, and the isolation network between internal and external networks. Provide application service status monitoring functions, including receiving business system service monitoring, forwarding banking system service monitoring, receiving bank notification service monitoring, forwarding business response service monitoring, internal and external network isolation interaction service monitoring, and various bank security processing services (encryption and decryption, signature verification services. Sign) monitoring and other service status monitoring. Provide online banking transfer business monitoring, including the number of online banking transfer requests, the number of forwarding banks, the number of successful online banking transfer processing, the number of online banking transfer processing failures, the unknown number of online banking transfer processing results, the amount of online banking transfers, and the curve monitoring by minutes, hours, days, and road bureaus , transaction volume forecast and other online banking transfer business monitoring. On this basis, the electronic payment server 102 implements a railway freight payment method, and the specific implementation method is shown in FIG. 2 .
图2为本发明实施例提供的一种铁路货运支付方法的流程图，所述方法包括：FIG. 2 is a flowchart of a railway freight payment method provided by an embodiment of the present invention, and the method includes:
步骤201，接收业务设备发送的第一转账请求，所述第一转账请求包含货运订单信息、付款方信息和路局信息。Step 201: Receive a first transfer request sent by the service device, where the first transfer request includes freight order information, payer information, and road bureau information.
在一些实施例中，接收业务设备发送的加密第一转账请求，第一转账请求中包含货运订单编号、支付类型、网银客户识别号、付款人账户、付款人户名、币种代码、付款金额、路局代码、收款账户类别、收款人开户行名称、交易发起时间、交易流水号、交易备注信息等转账信息。上述内容均为业务设备根据付款方对待支付运货订单的选择所生成，其中的路局代码关联收款人开户行联行号、收款人账号以及收款人户名信息。In some embodiments, the encrypted first transfer request sent by the service device is received, and the first transfer request includes the shipping order number, payment type, online banking customer identification number, payer account, payer account name, currency code, and payment amount , road bureau code, type of beneficiary account, name of beneficiary bank, transaction initiation time, transaction serial number, transaction remarks and other transfer information. The above contents are all generated by the business equipment according to the payment party's selection of the payment shipping order, and the road bureau code is associated with the payee's account opening bank, the payee's account number, and the payee's account name information.
步骤202，根据所述路局信息确定收款方信息。Step 202: Determine the payee information according to the road bureau information.
在一些实施例中，由于第一转账请求是加密的，因此为了得到上述的转账信息，需要先进行解密得到相关内容。随后，再将相关内容进行加密。In some embodiments, since the first transfer request is encrypted, in order to obtain the above-mentioned transfer information, it needs to be decrypted first to obtain the relevant content. Then, the relevant content is encrypted.
具体地，通过私有密钥和解密算法对所述第一转账请求进行解密，获取货运订单信息、付款方信息和路局信息。。Specifically, the first transfer request is decrypted through a private key and a decryption algorithm to obtain freight order information, payer information and road bureau information. .
通过对第一转账请求进行解密获取转账信息，根据对路局代码的解析获取所关联的收款人开户行联行号、收款人账号以及收款人户名。The transfer information is obtained by decrypting the first transfer request, and the associated bank number of the payee's account opening bank, the payee's account number, and the payee's account name are obtained according to the analysis of the road bureau code.
步骤203，根据所述货运订单信息、所述付款方信息和所述收款方信息，确定第二转账请求。Step 203: Determine a second transfer request according to the shipping order information, the payer information, and the payee information.
在一些实施例中，上述的收款人开户行联行号、收款人账号以及收款人户名即为收款方信息，与货运订单信息和付款方信息一起进行组装并通过公开密钥和加密算法按照与银行的约定进行签名、加密并发送给网银设备。In some embodiments, the bank number of the payee's account opening bank, the payee's account number, and the payee's account name are the payee information, which is assembled together with the shipping order information and the payer information and passed through the public key And the encryption algorithm is signed, encrypted and sent to the online banking device according to the agreement with the bank.
网银设备用于根据网银转账请求生成转账通知并将转账通知通过短信或推送发送给货主。以及当货主成功登录网银账户并付款后，网银设备会收到转账资金并生成包含转账资金的转账复核结果。接收网银设备发送的转账复核结果，转账复核结果由于此转账复核结果是通过加密的，因此应先进行解密、验签，获得业务类型、银行流水号、订单号、转账资金数额等数据。The online banking device is used to generate a transfer notification according to the online banking transfer request and send the transfer notification to the consignor via SMS or push. And when the owner successfully logs in to the online banking account and makes payment, the online banking device will receive the transfer funds and generate a transfer review result including the transfer funds. Receive the transfer review result sent by the online banking device. Since the transfer review result is encrypted, it should be decrypted and signed first to obtain data such as business type, bank serial number, order number, and the amount of funds transferred.
步骤204，将所述第二转账请求发送给银行服务器，以使所述银行服务器根据所述第二转账请求进行转账操作，并根据所述转账操作的结果分别向付款方和所述电子支付服务器发送转账结果。
在一些实施例中，银行服务器用于根据第二转账请求生成转账通知并将转账通知通过短信或推送发送给货主。以及当货主成功登录网银账户并付款后，银行服务器会收到转账资金并生成包含转账资金的转账结果。In some embodiments, the bank server is configured to generate a transfer notification according to the second transfer request and send the transfer notification to the consignor via SMS or push. And when the owner successfully logs in to the online banking account and makes payment, the bank server will receive the transfer funds and generate a transfer result including the transfer funds.
步骤205，将来自所述银行服务器的转账结果发送给所述业务设备，以供付款方在所述业务设备复核转账结果。Step 205: Send the transfer result from the bank server to the service device for the payer to review the transfer result on the service device.
在一些实施例中，接收银行服务器发送的转账结果。由于此转账结果是通过加密的，因此应先通过银行证书进行解密、验签，获得业务类型、银行流水号、订单号、转账资金数额等数据并将上述数据均发送给业务设备In some embodiments, the transfer result sent by the bank server is received. Since the transfer result is encrypted, the bank certificate should be used for decryption and signature verification to obtain data such as business type, bank serial number, order number, and the amount of funds to be transferred, and send the above data to the business device.
可选地，还包括：接收到所述银行服务器发送的取消转账通知，所述取消转账通知由所述网银设备响应于付款方对货运订单的取消转账操作所生成；将所述取消转账通知发送给所述业务设备。Optionally, it also includes: receiving a transfer cancellation notification sent by the bank server, the transfer cancellation notification being generated by the online banking device in response to the payer's cancellation of the transfer operation on the shipping order; sending the transfer cancellation notification to the business device.
由于银行服务器会响应于付款方在登录网银确认转账通知时想要需要改变支付方式而发起取消待支付货运订单，因此可接收到银行服务器根据取消支付操作生成的取消转账通知，并将取消转账通知发送给业务设备。Since the bank server will initiate the cancellation of the unpaid shipping order in response to the payer wanting to change the payment method when logging in to the online banking to confirm the transfer notification, the bank server can receive the transfer cancellation notification generated by the bank server according to the payment cancellation operation, and will cancel the transfer notification. Sent to business equipment.
可选地，还包括：接收到银行服务器发送的所述货运订单的退款通知，所述退款通知由所述银行服务器响应于铁路局人员对货运订单的退款操作所生成；将所述退款通知发送给所述业务设备。Optionally, the method further includes: receiving a refund notification for the freight order sent by a bank server, where the refund notification is generated by the bank server in response to a refund operation of the freight order by the railway bureau personnel; A refund notification is sent to the service device.
当出现付款方在付款完成后的线下申请取消托运、作废货票、生成退款证明书需要退款等情况，由于银行服务器会响应于铁路局人员根据上述情况对货运订单进行退款操作，则可接收到银行服务器发送的货运订单的退款通知，并将退款通知转发给业务设备。When the payer applies offline for canceling the consignment, voiding the freight ticket, or generating a refund certificate and requiring a refund after the payment is completed, the bank server will respond to the railway bureau personnel to refund the freight order according to the above situation. Refund notifications for shipping orders sent by bank servers can be received and forwarded to business devices.
可选地，还包括：接收到所述业务设备发送的转账结果查询请求；将所述转账结果查询请求发送给所述银行服务器，所述转账结果查询请求用于所述银行服务器查找对应的转账结果；接收所述转账结果并发送给所述业务设备。Optionally, it also includes: receiving a transfer result query request sent by the business device; sending the transfer result query request to the bank server, where the transfer result query request is used by the bank server to find a corresponding transfer Result; receive the transfer result and send it to the service device.
当接收到业务设备发送的转账结果查询请求，则将转账结果查询请求发送给银行服务器。当银行服务器根据转账结果查询请求从各转账结果中确定了对应的转账结果，则可接受到转账结果并转发给业务设备。When receiving the transfer result query request sent by the business device, the transfer result query request is sent to the bank server. When the bank server determines the corresponding transfer result from each transfer result according to the transfer result query request, the transfer result can be received and forwarded to the service device.
图3为本发明实施例提供的一种铁路货运支付装置的结构示意图，如图 3所示，上述铁路货运支付装置300可以包括：接收模块301、第一确定模块 302、第二确定模块303、第一发送模块304和第二发送模块305。FIG. 3 is a schematic structural diagram of a railway freight payment device according to an embodiment of the present invention. As shown in FIG. 3 , the above railway freight payment device 300 may include: a receiving module 301, a first determining module 302, a second determining module 303, The first sending module 304 and the second sending module 305 .
接收模块301，用于接收业务设备发送的第一转账请求，所述第一转账请求包含货运订单信息、付款方信息和路局信息；The receiving module 301 is configured to receive a first transfer request sent by the service device, where the first transfer request includes freight order information, payer information and road bureau information;
第一确定模块302，用于根据所述路局信息确定收款方信息；A first determining module 302, configured to determine payee information according to the road bureau information;
第二确定模块303，用于根据所述货运订单信息、所述付款方信息和所述收款方信息，确定第二转账请求；A second determining module 303, configured to determine a second transfer request according to the freight order information, the payer information and the payee information;
第一发送模块304，用于将所述第二转账请求发送给银行服务器，以使所述银行服务器根据所述第二转换请求进行转账操作，并根据所述转账操作的结果分别向付款方和所述电子支付服务器发送转账结果；The first sending module 304 is configured to send the second transfer request to the bank server, so that the bank server performs a transfer operation according to the second transfer request, and sends the transfer request to the payer and the payer according to the result of the transfer operation. The electronic payment server sends the transfer result;
第二发送模块305，用于将来自所述银行服务器的转账结果发送给所述业务设备，以供付款方在所述业务设备复核转账结果。The second sending module 305 is configured to send the transfer result from the bank server to the business device, so that the payer can review the transfer result on the business device.
在本发明上述实施例中，可选地，还包括：解密模块，用于通过私有密钥和解密算法对所述第一转账请求进行解密，获取货运订单信息、付款方信息和路局信息。In the above-mentioned embodiment of the present invention, optionally, it further includes: a decryption module, configured to decrypt the first transfer request by using a private key and a decryption algorithm to obtain freight order information, payer information and road bureau information.
在本发明上述实施例中，可选地，所述第二确定模块303，具体用于通过公开密钥和加密算法对所述货运订单信息、所付款方信息和所述收款方信息进行加密，生成第二转账请求并发送给银行服务器。In the above embodiment of the present invention, optionally, the second determining module 303 is specifically configured to encrypt the freight order information, the payee information and the payee information by using a public key and an encryption algorithm , generate a second transfer request and send it to the bank server.
在本发明上述实施例中，可选地，还包括：第二接收模块，用于接收所述银行服务器发送的取消转账通知，所述取消转账通知由所述银行服务器响应于付款方对货运订单的取消转账操作所生成；第三发送模块，用于将所述取消转账通知发送给所述业务设备。In the above-mentioned embodiment of the present invention, optionally, it further includes: a second receiving module, configured to receive a transfer cancellation notification sent by the bank server, and the transfer cancellation notification is sent by the bank server in response to the payment party's response to the shipping order. The third sending module is configured to send the transfer cancellation notification to the service device.
在本发明上述实施例中，可选地，还包括：第三接收模块，用于接收到银行服务器发送的退款通知，所述退款通知由所述银行服务器响应于铁路局人员对货运订单的退款操作所生成；第四发送模块，用于将所述退款通知转发给所述业务设备。In the above-mentioned embodiment of the present invention, optionally, it further includes: a third receiving module, configured to receive a refund notification sent by a bank server, and the refund notification is sent by the bank server in response to the freight order received by the railway bureau personnel. The fourth sending module is used for forwarding the refund notification to the service device.
在本发明上述实施例中，可选地，还包括：第四接收模块，用于接收到所述业务设备发送的转账结果查询请求；第五发送模块，用于将所述转账结果查询请求发送给所述银行服务器，所述转账结果查询请求用于所述银行服务器查找对应的转账结果；第五接收模块，用于接收所述转账结果并转发给所述业务设备。In the above-mentioned embodiment of the present invention, optionally, it further includes: a fourth receiving module, configured to receive a transfer result query request sent by the business device; a fifth sending module, configured to send the transfer result query request To the bank server, the transfer result query request is used for the bank server to search for the corresponding transfer result; the fifth receiving module is configured to receive the transfer result and forward it to the business device.
图4为本发明电子设备一个实施例的结构示意图。FIG. 4 is a schematic structural diagram of an embodiment of an electronic device of the present invention.
如图4所示，上述电子设备可以包括至少一个处理器；以及与上述处理器通信连接的至少一个存储器，其中：存储器存储有可被处理器执行的程序指令，上述处理器调用上述程序指令能够执行本说明书图2所示实施例提供的铁路货运支付方法。As shown in FIG. 4 , the above-mentioned electronic device may include at least one processor; and at least one memory connected in communication with the above-mentioned processor, wherein: the memory stores program instructions executable by the processor, and the above-mentioned processor invokes the above-mentioned program instructions to Execute the railway freight payment method provided by the embodiment shown in FIG. 2 of this specification.
其中，上述电子设备可以为能够与用户进行手势识别的设备，例如：云服务器，本说明书实施例对上述电子设备的具体形式不作限定。可以理解的是，这里的电子设备即为方法实施例中提到的机器。The above electronic device may be a device capable of performing gesture recognition with the user, such as a cloud server, and the specific form of the above electronic device is not limited in the embodiment of this specification. It can be understood that the electronic device here is the machine mentioned in the method embodiment.
图4示出了适于用来实现本发明实施方式的示例性电子设备的框图。图 4显示的电子设备仅仅是一个示例，不应对本发明实施例的功能和使用范围带来任何限制。Figure 4 shows a block diagram of an exemplary electronic device suitable for use in implementing embodiments of the present invention. The electronic device shown in FIG. 4 is only an example, and should not impose any limitations on the function and scope of use of the embodiments of the present invention.
如图4所示，电子设备以通用计算设备的形式表现。电子设备的组件可以包括但不限于：一个或者多个处理器410，通信接口420，存储器430，连接不同系统组件(包括存储器430和处理单元410)的通信总线440。As shown in Figure 4, the electronic device takes the form of a general-purpose computing device. Components of the electronic device may include, but are not limited to, one or
通信总线440表示几类总线结构中的一种或多种，包括存储器总线或者存储器控制器，外围总线，图形加速端口，处理器或者使用多种总线结构中的任意总线结构的局域总线。举例来说，这些体系结构包括但不限于工业标准体系结构(Industry StandardArchitecture；以下简称：ISA)总线，微通道体系结构(Micro Channel Architecture；以下简称：MAC)总线，增强型ISA 总线、视频电子标准协会(Video Electronics StandardsAssociation；以下简称： VESA)局域总线以及外围组件互连(Peripheral ComponentInterconnection；以下简称：PCI)总线。
电子设备典型地包括多种计算机系统可读介质。这些介质可以是任何能够被电子设备访问的可用介质，包括易失性和非易失性介质，可移动的和不可移动的介质。Electronic devices typically include various computer system readable media. These media can be any available media that can be accessed by the electronic device, including both volatile and nonvolatile media, removable and non-removable media.
存储器430可以包括易失性存储器形式的计算机系统可读介质，例如随机存取存储器(Random Access Memory；以下简称：RAM)和/或高速缓存存储器。电子设备可以进一步包括其它可移动/不可移动的、易失性/非易失性计算机系统存储介质。存储器430可以包括至少一个程序产品，该程序产品具有一组(例如至少一个)程序模块，这些程序模块被配置以执行本发明各实施例的功能。The
具有一组(至少一个)程序模块的程序/实用工具，可以存储在存储器430 中，这样的程序模块包括——但不限于——操作系统、一个或者多个应用程序、其它程序模块以及程序数据，这些示例中的每一个或某种组合中可能包括网络环境的实现。程序模块通常执行本发明所描述的实施例中的功能和/或方法。A program/utility having a set (at least one) of program modules that may be stored in
处理器410通过运行存储在存储器430中的程序，从而执行各种功能应用以及数据处理，例如实现本发明图2所示实施例提供的铁路货运支付方法。The
本发明实施例提供一种计算机可读存储介质，所述计算机可读存储介质存储计算机指令，所述计算机指令使所述计算机执行本说明书图2所示实施例提供的铁路货运支付方法。An embodiment of the present invention provides a computer-readable storage medium, where the computer-readable storage medium stores computer instructions, and the computer instructions cause the computer to execute the railway freight payment method provided by the embodiment shown in FIG. 2 of this specification.
上述计算机可读存储介质可以采用一个或多个计算机可读的介质的任意组合。计算机可读介质可以是计算机可读信号介质或者计算机可读存储介质。计算机可读存储介质例如可以是——但不限于——电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机可读存储介质的更具体的例子(非穷举的列表)包括：具有一个或多个导线的电连接、便携式计算机磁盘、硬盘、随机存取存储器(RAM)、只读存储器(ReadOnly Memory；以下简称：ROM)、可擦式可编程只读存储器(Erasable Programmable ReadOnly Memory；以下简称：EPROM)或闪存、光纤、便携式紧凑磁盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。在本文件中，计算机可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。The aforementioned computer-readable storage media may employ any combination of one or more computer-readable media. The computer-readable medium may be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or a combination of any of the above. More specific examples (non-exhaustive list) of computer readable storage media include: electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read only memory (ReadOnly Memory; Hereinafter referred to as ROM), Erasable Programmable ReadOnly Memory (Erasable Programmable ReadOnly Memory; hereinafter referred to as: EPROM) or flash memory, optical fiber, portable compact disk read only memory (CD-ROM), optical storage devices, magnetic storage devices, Or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.
计算机可读的信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了计算机可读的程序代码。这种传播的数据信号可以采用多种形式，包括——但不限于——电磁信号、光信号或上述的任意合适的组合。计算机可读的信号介质还可以是计算机可读存储介质以外的任何计算机可读介质，该计算机可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。A computer-readable signal medium may include a propagated data signal in baseband or as part of a carrier wave, with computer-readable program code embodied thereon. Such propagated data signals may take a variety of forms including, but not limited to, electromagnetic signals, optical signals, or any suitable combination of the foregoing. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device .
计算机可读介质上包含的程序代码可以用任何适当的介质传输，包括——但不限于——无线、电线、光缆、RF等等，或者上述的任意合适的组合。Program code embodied on a computer readable medium may be transmitted using any suitable medium including, but not limited to, wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
可以以一种或多种程序设计语言或其组合来编写用于执行本说明书操作的计算机程序代码，所述程序设计语言包括面向对象的程序设计语言—诸如 Java、Smalltalk、C++，还包括常规的过程式程序设计语言—诸如“C”语言或类似的程序设计语言。程序代码可以完全地在用户计算机上执行、部分地在用户计算机上执行、作为一个独立的软件包执行、部分在用户计算机上部分在远程计算机上执行、或者完全在远程计算机或服务器上执行。在涉及远程计算机的情形中，远程计算机可以通过任意种类的网络——包括局域网(Local Area Network；以下简称：LAN)或广域网(Wide Area Network；以下简称：WAN)连接到用户计算机，或者，可以连接到外部计算机(例如利用因特网服务提供商来通过因特网连接)。Computer program code for carrying out the operations of this specification may be written in one or more programming languages, including object-oriented programming languages—such as Java, Smalltalk, C++, but also conventional Procedural programming language - such as the "C" language or similar programming language. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer, or entirely on the remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or it can Connect to an external computer (eg via the Internet using an Internet Service Provider).
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。The foregoing describes specific embodiments of the present specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that in the embodiments and still achieve desirable results. Additionally, the processes depicted in the figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.
在本说明书的描述中，参考术语“一个实施例”、“一些实施例”、“示例”、“具体示例”、或“一些示例”等的描述意指结合该实施例或示例描述的具体特征、结构、材料或者特点包含于本说明书的至少一个实施例或示例中。在本说明书中，对上述术语的示意性表述不必须针对的是相同的实施例或示例。而且，描述的具体特征、结构、材料或者特点可以在任一个或多个实施例或示例中以合适的方式结合。此外，在不相互矛盾的情况下，本领域的技术人员可以将本说明书中描述的不同实施例或示例以及不同实施例或示例的特征进行结合和组合。In the description of this specification, description with reference to the terms "one embodiment," "some embodiments," "example," "specific example," or "some examples", etc., mean specific features described in connection with the embodiment or example , structure, material or feature is included in at least one embodiment or example of this specification. In this specification, schematic representations of the above terms are not necessarily directed to the same embodiment or example. Furthermore, the particular features, structures, materials or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, those skilled in the art may combine and combine the different embodiments or examples described in this specification, as well as the features of the different embodiments or examples, without conflicting each other.
此外，术语“第一”、“第二”仅用于描述目的，而不能理解为指示或暗示相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。在本说明书的描述中，“多个”的含义是至少两个，例如两个，三个等，除非另有明确具体的限定。In addition, the terms "first" and "second" are only used for descriptive purposes, and should not be construed as indicating or implying relative importance or implying the number of indicated technical features. Thus, a feature delimited with "first", "second" may expressly or implicitly include at least one of that feature. In the description of the present specification, "plurality" means at least two, such as two, three, etc., unless otherwise expressly and specifically defined.
流程图中或在此以其他方式描述的任何过程或方法描述可以被理解为，表示包括一个或更多个用于实现定制逻辑功能或过程的步骤的可执行指令的代码的模块、片段或部分，并且本说明书的优选实施方式的范围包括另外的实现，其中可以不按所示出或讨论的顺序，包括根据所涉及的功能按基本同时的方式或按相反的顺序，来执行功能，这应被本说明书的实施例所属技术领域的技术人员所理解。Any process or method description in the flowcharts or otherwise described herein may be understood to represent a module, segment or portion of code comprising one or more executable instructions for implementing custom logical functions or steps of the process , and the scope of the preferred embodiments of this specification includes alternative implementations in which the functions may be performed out of the order shown or discussed, including performing the functions substantially concurrently or in the reverse order depending upon the functions involved, which should It is understood by those skilled in the art to which the embodiments of this specification belong.
取决于语境，如在此所使用的词语“如果”可以被解释成为“在……时”或“当……时”或“响应于确定”或“响应于检测”。类似地，取决于语境，短语“如果确定”或“如果检测(陈述的条件或事件)”可以被解释成为“当确定时”或“响应于确定”或“当检测(陈述的条件或事件)时”或“响应于检测(陈述的条件或事件)”。Depending on the context, the word "if" as used herein can be interpreted as "at" or "when" or "in response to determining" or "in response to detecting." Similarly, the phrases "if determined" or "if detected (the stated condition or event)" can be interpreted as "when determined" or "in response to determining" or "when detected (the stated condition or event)," depending on the context )" or "in response to detection (a stated condition or event)".
需要说明的是，本说明书实施例中所涉及的终端可以包括但不限于个人计算机(Personal Computer；以下简称：PC)、个人数字助理(Personal Digital Assistant；以下简称：PDA)、无线手持设备、平板电脑(Tablet Computer)、手机、MP3播放器、MP4播放器等。It should be noted that the terminals involved in the embodiments of this specification may include but are not limited to personal computers (Personal Computer; hereinafter referred to as: PC), personal digital assistants (Personal Digital Assistant; hereinafter referred to as: PDA), wireless handheld devices, tablet Computer (Tablet Computer), mobile phone, MP3 player, MP4 player, etc.
在本说明书所提供的几个实施例中，应该理解到，所揭露的系统、装置和方法，可以通过其它的方式实现。例如，以上所描述的装置实施例仅仅是示意性的，例如，所述单元的划分，仅仅为一种逻辑功能划分，实际实现时可以有另外的划分方式，例如，多个单元或组件可以结合或者可以集成到另一个系统，或一些特征可以忽略，或不执行。另一点，所显示或讨论的相互之间的耦合或直接耦合或通信连接可以是通过一些接口，装置或单元的间接耦合或通信连接，可以是电性，机械或其它的形式。In the several embodiments provided in this specification, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the apparatus embodiments described above are only illustrative. For example, the division of the units is only a logical function division. In actual implementation, there may be other division methods. For example, multiple units or components may be combined. Or it can be integrated into another system, or some features can be omitted, or not implemented. On the other hand, the shown or discussed mutual coupling or direct coupling or communication connection may be through some interfaces, indirect coupling or communication connection of devices or units, and may be in electrical, mechanical or other forms.
另外，在本说明书各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用硬件加软件功能单元的形式实现。In addition, each functional unit in each embodiment of this specification may be integrated into one processing unit, or each unit may exist physically alone, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware, or may be implemented in the form of hardware plus software functional units.
上述以软件功能单元的形式实现的集成的单元，可以存储在一个计算机可读取存储介质中。上述软件功能单元存储在一个存储介质中，包括若干指令用以使得一台计算机装置(可以是个人计算机，服务器，或者网络装置等) 或处理器(Processor)执行本说明书各个实施例所述方法的部分步骤。而前述的存储介质包括：U盘、移动硬盘、只读存储器(Read-Only Memory；以下简称：ROM)、随机存取存储器(Random Access Memory；以下简称：RAM)、磁碟或者光盘等各种可以存储程序代码的介质。The above-mentioned integrated units implemented in the form of software functional units can be stored in a computer-readable storage medium. The above-mentioned software functional unit is stored in a storage medium, and includes several instructions to cause a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor (Processor) to execute the methods described in the various embodiments of this specification. some steps. The aforementioned storage medium includes: U disk, mobile hard disk, Read-Only Memory (Read-Only Memory; hereinafter referred to as: ROM), Random Access Memory (Random Access Memory; hereinafter referred to as: RAM), magnetic disk or optical disk and other various A medium on which program code can be stored.
以上所述仅为本说明书的较佳实施例而已，并不用以限制本说明书，凡在本说明书的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本说明书保护的范围之内。The above descriptions are only preferred embodiments of this specification, and are not intended to limit this specification. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of this specification shall be included in this specification. within the scope of protection.
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| CN103827903A (en)* | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | Internet payment method and system |
| CN105243538A (en)* | 2014-07-13 | 2016-01-13 | 朱正兴 | Payment method |
| CN112686666A (en)* | 2020-12-28 | 2021-04-20 | 中国铁路网络有限公司 | Electronic wallet transaction method and device for railway business system |
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| CN103827903A (en)* | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | Internet payment method and system |
| CN105243538A (en)* | 2014-07-13 | 2016-01-13 | 朱正兴 | Payment method |
| CN112686666A (en)* | 2020-12-28 | 2021-04-20 | 中国铁路网络有限公司 | Electronic wallet transaction method and device for railway business system |
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