CN111222874A - Short message payment method and device, payment terminal and storage medium - Google Patents
Short message payment method and device, payment terminal and storage medium Download PDFInfo
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- CN111222874A CN111222874A CN202010042779.9A CN202010042779A CN111222874A CN 111222874 A CN111222874 A CN 111222874A CN 202010042779 A CN202010042779 A CN 202010042779A CN 111222874 A CN111222874 A CN 111222874A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses a short message payment method, a short message payment device, a payment terminal and a storage medium. The method comprises the following steps: acquiring online payment information according to the payment signal, wherein the online payment information comprises a collection account, a payment amount and an online payment password; initiating online payment according to the online payment information to obtain an online payment result; judging whether the network environment is a target environment or not according to the online payment result; if the network environment is a target environment, encrypting the transaction authentication information and sending the encrypted transaction authentication information to a server through a short message signaling channel; and receiving a short message payment result sent by the server, wherein the short message payment result is obtained after the server judges whether the current transaction environment is safe and carries out short message payment according to the transaction authentication information. The technical scheme of the invention increases the accuracy of judging whether the network environment supports online payment, and avoids the problem that the user bears excessive short message payment cost due to judgment errors.
Description
Technical Field
The embodiment of the invention relates to a short message payment technology, in particular to a short message payment method, a short message payment device, a payment terminal and a storage medium.
Background
With the development of the internet, the popularization of smart phones, and the reduction of the data traffic charges, the online mobile payment services of mobile payment terminals such as mobile phones have deeply participated in the daily life of people due to the characteristics of convenience and rapidness.
The existing mobile payment comprises online payment or short message payment, the online payment can be completed only by consuming less data traffic or connecting a mobile payment terminal with wifi, and the mobile payment terminal is low in cost and convenient to use. However, in an environment with poor network coverage, data service cannot be established, which causes inconvenience to users in payment experience. Two-dimensional code payment and NFC payment can be used in the environment with poor network coverage at present. However, NFC payment requires that a mobile phone payment terminal of a user and a merchant cash register device support an NFC function, so that the cost is high, and the popularization degree is low. When the data service cannot be established, the two-dimensional code payment only can support passive code scanning payment, namely, payment codes are displayed for a merchant for payment, and in an environment with poor network coverage, when the data service cannot be established, a user consumes a merchant without a cash register device supporting the passive code scanning function, the payment is very difficult.
And the short message payment does not need to use data flow, the requirement on mobile phone signals is lower, but the user is often required to pay the short message service cost to the operator, and because the payment type of the short message is special, the short message discount package provided by the operator is generally opened only to the point-to-point short message service, if the user selects the short message payment, extra short message service cost is required to be spent, and the payment cost of the user is increased.
At present, online payment or short message payment programs are mutually independent, switching programs are complex, and when payment is carried out, a user can only select one of the online payment and the short message payment according to experience to complete payment, so that the judgment of the user on the network condition has high subjectivity, and once misjudgment occurs, the payment is failed or the user bears unnecessary payment cost.
Disclosure of Invention
The invention provides a short message payment method, a short message payment device, a payment terminal and a storage medium, which are used for realizing the effects of enabling a user to carry out online payment under the condition of no network connection and carrying out consumption purchase order at any time and any place. The accuracy of judging whether the network environment supports online payment is improved, and the problem that the user bears excessive short message payment cost due to judgment errors is avoided.
In one embodiment, an embodiment of the present invention provides a short message payment method, including:
acquiring online payment information according to the payment signal, wherein the online payment information comprises a collection account, a payment amount and an online payment password;
initiating online payment according to the online payment information to obtain an online payment result;
judging whether the network environment is a target environment or not according to the online payment result;
if the network environment is a target environment, encrypting the transaction authentication information and sending the encrypted transaction authentication information to a server through a short message signaling channel, wherein the transaction authentication information comprises: the payment amount, the collection account number, the online payment password, a payment account number, a payment time, and/or a transaction security code;
and receiving a short message payment result sent by the server, wherein the short message payment result is obtained after the server judges whether the current transaction environment is safe and carries out short message payment according to the transaction authentication information.
Optionally, the payment signal includes: and (3) a transfer payment signal between accounts actively initiated by the user or a payment signal carried out by scanning the two-dimensional code of the payee by the user.
Optionally, the determining whether the network environment is the target environment according to the online payment result further includes:
acquiring signal intensity parameters according to the online payment result, wherein the signal intensity parameters comprise reference signal receiving power and signal-to-noise ratio;
and judging whether the network environment is a target environment according to whether the reference signal receiving power is smaller than a first threshold and whether the signal-to-noise ratio is smaller than a second threshold.
Optionally, the determining whether the network environment is the target environment according to the online payment result further includes:
and judging whether the network environment is the target environment or not according to whether the online payment result is payment failure or not and whether the failure reason is network connection overtime.
Optionally, if the network environment is a target environment, encrypting the transaction authentication information and sending the encrypted transaction authentication information to the server through a short message signaling channel further includes:
if the network environment is a target environment, acquiring a short message payment password;
and encrypting the transaction authentication information and sending the encrypted transaction authentication information to a server through a short message signaling channel, wherein the transaction authentication information also comprises the short message payment password.
In an embodiment, an embodiment of the present invention further provides a short message payment apparatus, including:
the acquisition module is used for acquiring online payment information according to the payment signal, wherein the online payment information comprises a collection account, a payment amount and an online payment password;
the online payment module is used for initiating online payment according to online payment information to obtain an online payment result, wherein the online payment information comprises a collection account, a collection amount and an online payment password;
the judging module is used for judging whether the network environment is a target environment or not according to the online payment result;
a sending module, configured to encrypt transaction authentication information and send the encrypted transaction authentication information to a server through a short message signaling channel if the network environment is a target environment, where the transaction authentication information includes: a payment amount, a payment account number, a collection account number, a payment time, an online payment password, and/or a transaction security code;
and the receiving module is used for receiving a short message payment result sent by the server, wherein the short message payment result is obtained after the server judges whether the current transaction environment is safe and carries out short message payment according to the transaction authentication information.
Optionally, the determining module is further configured to: acquiring signal intensity parameters according to the online payment result, wherein the signal intensity parameters comprise reference signal receiving power and signal-to-noise ratio; and judging whether the network environment is a target environment according to whether the reference signal receiving power is smaller than a first threshold and whether the signal-to-noise ratio is smaller than a second threshold.
Optionally, the sending module is further configured to obtain a short message payment password if the network environment is a target environment; and encrypting the transaction authentication information and sending the encrypted transaction authentication information to a server through a short message signaling channel, wherein the transaction authentication information also comprises the short message payment password.
In an embodiment, an embodiment of the present invention further provides a payment terminal, where the payment terminal includes:
one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors are enabled to implement any of the SMS payment methods described above.
In an embodiment, the embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, and the computer program, when executed by a processor, implements any of the above-mentioned short message payment methods.
According to the technical scheme, when the network environment is the target environment, the transaction authentication information is sent to the server through the short message signaling channel to carry out payment through the short message, so that the problem that online payment cannot be carried out under the condition of no data service is solved, the purposes that the online payment can be carried out by automatically selecting to send the transaction authentication information to the server and the short message containing the authentication transaction information is automatically selected under the condition of no network connection are achieved, the condition that a user needs to manually switch payment modes is avoided, the operation complexity is reduced, and the user experience is improved. In addition, compared with the method that the user judges the current network environment state by himself, the accuracy of judging whether the network environment supports online payment is increased, and the fact that the user bears excessive short message payment cost due to judgment errors is avoided.
Drawings
The foregoing and other features and advantages of embodiments of the present invention will become more apparent to those of ordinary skill in the art to which the present invention pertains by describing in detail exemplary embodiments thereof with reference to the attached drawings, wherein:
fig. 1 is a flowchart of a short message payment method according to an embodiment of the present invention;
fig. 2 is a flowchart of a short message payment method according to another embodiment of the present invention;
fig. 3 is a flowchart of a short message payment method according to another embodiment of the present invention;
FIG. 4 is a diagram of a SMS payment device in an embodiment of the invention;
fig. 5 is a schematic diagram of a payment terminal in one embodiment of the invention.
Detailed Description
The technical scheme of the invention is further explained by the specific implementation mode in combination with the attached drawings. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and not restrictive thereof. It should also be noted that the described embodiments are only some embodiments, not all embodiments, of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without inventive step, are within the scope of the present invention.
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items. In the description of the present invention, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
Before discussing exemplary embodiments in more detail, it should be noted that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart may describe the steps as a sequential process, many of the steps can be performed in parallel, concurrently or simultaneously. In addition, the order of the steps may be rearranged. A process may be terminated when its operations are completed, but may have additional steps not included in the figure. A process may correspond to a method, a function, a procedure, a subroutine, a subprogram, etc.
In an embodiment, referring to fig. 1, an embodiment of the present invention provides a short message payment method, which may be executed by a payment terminal, and specifically includes the following steps:
and step 110, acquiring online payment information according to the payment signal, wherein the online payment information comprises a collection account, a payment amount and an online payment password.
In this embodiment, the payment signal includes: and (3) a transfer payment signal between accounts actively initiated by the user or a payment signal carried out by scanning the two-dimensional code of the payee by the user. When a user carries out online payment, a payment amount, a payee account and an online payment password need to be input on a payment terminal so as to carry out online payment. In some embodiments, the payment amount and the collection account may be obtained by scanning the two-dimensional code of the payee, which is not limited herein.
in this embodiment, the online payment is payment performed on the payment terminal using network data, and the online payment result includes successful payment, failure payment, and a failure reason. Wherein the failure reasons at least include: the network connection is overtime, and the network connection overtime refers to the condition that the network connection fails within preset time and online payment is difficult to initiate through data traffic. In other embodiments, the reason for the payment failure also includes other reasons that the user cannot complete the online payment, such as an online payment password payment error, and the like, which is not limited herein.
For example, the reason that the payment fails and the failure is network connection timeout may be that the user scans the two-dimensional code to initiate active payment, but within a preset time period, if the payment terminal cannot acquire a payment interface for online payment through a network, it is considered that whether the network environment is a target environment, and the user cannot perform online payment using data traffic, in other embodiments, the payment waiting time for online payment may exceed the preset time period, for example: still displayed in payment within 1 minute. And are not limited herein.
And step 130, judging whether the network environment is the target environment according to the online payment result.
In this embodiment, the network environment is a network environment of a current payment terminal using data traffic, and the payment terminal is preferably a mobile phone, a tablet, or a smart watch.
Specifically, the step of judging whether the network environment is the target environment according to the online payment result further includes: and judging whether the network environment is the target environment or not according to whether the online payment result is payment failure or not and whether the failure reason is network connection overtime.
In this embodiment, if the payment result is payment failure and the failure reason is network connection timeout, it is determined that the network environment is the target environment. When the reason of online payment failure is network connection overtime, the current network environment is not ideal, and the user is difficult to use network data to perform online payment.
In this embodiment, the payment amount is an amount input by the user on the payment terminal, in some embodiments, the payment amount may also be two-dimensional code information carrying the payment amount, and specifically, the scanned two-dimensional code information (web address, digital serial number, etc.) may be directly used as information of the payment amount; the payment account number is a financial account such as a bank account, a payer account, a WeChat account and the like of a payee, the payment account number can be directly input on a payment terminal through a payer, in some embodiments, the payment account number can also be two-dimensional code information carrying the payment account number, and specifically, the scanned two-dimensional code information (website, digital serial number and the like) can be directly used as information of payment amount; the online payment password is a payment password which is preset by a user and is used for ensuring the online payment safety of transaction, and the payment account number can be a financial account such as a bank account, a payment account, a WeChat account and the like of the user; the payment time is the time when the current payment user confirms payment; the transaction security code is a random code generated by the payment terminal according to a preset rule, the transaction security code can carry payment terminal information, account information and the like used by the payment user for guaranteeing the security of the user, and the security of the transaction can be confirmed by verifying whether the account information of the payment user carried by the transaction security code is consistent with the payment account in the transaction authentication information. The transaction security code is also used to mark the current transaction for subsequent traceability.
In this embodiment, the transaction authentication information is encrypted by an encryption method negotiated by the payment terminal and the server, so that the security can be further improved.
In this embodiment, sending the encrypted transaction authentication information to the server through the short message signaling channel includes: and encrypting the transaction authentication information and sending the encrypted transaction authentication information to the server through a short message signaling channel. Specifically, after the transaction authentication information is encrypted, the encrypted transaction authentication information is encapsulated into a short message Protocol Data Unit (PDU) format, and then the encrypted transaction authentication information is sent in a PDU mode. The PDU mode can not only send Chinese short messages, but also send English short messages, and the application range is wider.
In this embodiment, before sending the encrypted transaction authentication information to the server through the short message signaling channel, the method further includes: the method comprises the steps of obtaining short message payment authority of a payment account in an off-line state, specifically, enabling a short message payment function by a user in a setting interface of related software in a networking state to be regarded as obtaining the short message payment authority, enabling the short message payment function in the networking state, and enabling a server to obtain related information of the short message payment function which is enabled by a current account so as to verify account safety when the user initiates short message payment. In some embodiments, the user may also request the short message payment authority from the user when registering the account of the related software, and the user may be regarded as having acquired the short message payment authority after selecting agreement. In this embodiment, before, during, or after the obtaining of the short message payment authority, the method further includes: and acquiring the short message sending authority. In the existing intelligent payment terminal, each software needs to request related authority to a user for the communication safety of the intelligent payment terminal, so that the related software needs to synchronously obtain the sending authority of the short message in order to ensure the normal use of the short message payment function when the related software starts the short message payment authority.
Illustratively, when a user makes a payment, a payment terminal generates an active payment signal according to an operation of scanning a collection code of a payee or inputting a collection account number by the user, the payment terminal obtains a current online payment result according to the generated active payment signal, if the online payment result is a payment failure and the reason that the payment is yes is that network connection is overtime, the network environment is determined to be a target environment, that is, the current target environment cannot support the user to complete the payment through network data, therefore, transaction authentication information is encrypted, then packaged into a PDU format and sent to a server through a short message channel, and the server performs a payment operation between accounts after determining that the transaction environment is safe according to the transaction authentication information.
And 150, receiving a short message payment result sent by the server, wherein the short message payment result is obtained after the server judges whether the current transaction environment is safe and carries out short message payment according to the transaction authentication information.
Specifically, after the transaction authentication information is sent to the server through the short message signaling channel, the method further includes:
a1: the server receives the encrypted transaction authentication information and decrypts the encrypted transaction authentication information to obtain the transaction authentication information.
The server of the embodiment may be a server of a bank payment platform or a server of a third party payment platform. The format of the encrypted transaction authentication information received by the server is a short message Protocol Data Unit (PDU) format, so that before decrypting the transaction authentication information, the encrypted transaction authentication information in the PDU format is unpacked.
A2: the server judges whether the current transaction environment is safe or not according to the pre-registered information and the transaction authentication information.
The pre-registered information includes: whether the user starts the short message payment function or not, the matching relation between the payment account of the user and the transaction security code, the security of the collection account, the transaction limit, the online payment password of the payment account and the like.
Illustratively, when the information pre-registered in the server by the user is that the short message payment function is not enabled, but the transaction authentication information containing the payment account number of the user is received, the transaction authentication information is very likely to be faked by others, and the security of the payment account number is low, the current transaction environment is judged to be unsafe, and the transaction is intercepted.
Illustratively, the security of the collection account is extremely poor, when fraud suspicion exists, in order to protect the fund security of the payer, the current transaction environment is judged to be unsafe, and the transaction is intercepted.
For example, when the online payment password received by the server is inconsistent with the online payment password registered in the server in advance, the current transaction environment is judged to be unsafe, and the transaction is intercepted.
For example, if the pre-registered information is consistent with the transaction authentication information, the current transaction environment is safe.
A3: and if the current transaction environment is safe, payment is carried out according to the transaction authentication information to obtain a payment result, and the payment result is sent to the payment terminal.
In this embodiment, if the current transaction environment is safe, normal payment can be initiated, and the server performs the money transfer between accounts according to the transaction authentication information provided by the user to complete the transaction. Wherein the payment result comprises: payment success, payment failure, and reasons for payment failure, wherein the reasons for payment failure include: insufficient balance, unsafe transaction, wrong collection account number, etc.
According to the technical scheme, when the network environment is the target environment, the transaction authentication information is sent to the server through the short message signaling channel to carry out payment through the short message, so that the problem that online payment cannot be carried out under the condition of no data service is solved, automatic selection of sending the transaction authentication information to the server and online payment of the short message containing the transaction authentication information under the condition of no network connection is achieved, the situation that a user needs to manually switch payment modes is avoided, the operation complexity is reduced, and the user experience is improved. In addition, compared with the method that the user judges the current network environment state by himself, the accuracy of judging whether the network environment supports online payment is increased, and the fact that the user bears excessive short message payment cost due to judgment errors is avoided.
In an embodiment, referring to fig. 2, an embodiment of the present invention provides a short message payment method, which may be executed by a payment terminal, and specifically includes the following steps:
and step 210, acquiring online payment information according to the payment signal, wherein the online payment information comprises a collection account, a payment amount and an online payment password.
In this embodiment, the payment signal includes: and (3) a transfer payment signal between accounts actively initiated by the user or a payment signal carried out by scanning the two-dimensional code of the payee by the user. When a user carries out online payment, a payment amount, a payee account and an online payment password need to be input on a payment terminal so as to carry out online payment.
in this embodiment, the online payment is payment performed on the payment terminal using network data, and the online payment result includes successful payment, failure payment, and a failure reason. Wherein the failure reasons at least include: the network connection is overtime, and the network connection overtime refers to the condition that the network connection fails within preset time and online payment is difficult to initiate through data traffic.
And step 230, acquiring signal strength parameters according to the online payment result, wherein the signal strength parameters comprise reference signal receiving power and signal-to-noise ratio.
Specifically, obtaining the signal strength parameter according to the online payment result further includes: and acquiring the signal strength parameter when the online payment result is payment failure and the failure reason is network connection timeout.
In this embodiment, if the payment result is a payment failure, the failure reason is network connection timeout. The current network environment is not ideal, and the user can not use the network data to carry out online payment. Further judgment needs to be made on the current network environment, and whether the current mobile phone signal strength does not meet the standard for supporting the user to use the network data to carry out online payment or not.
In this embodiment, the signal strength parameter is directly detected and obtained by the payment terminal, specifically, obtained after detection by the relevant detection software. The Signal strength parameters include Reference Signal Received Power (RSRP) and Signal to Noise Ratio (SNR).
And step 240, judging whether the network environment is a target environment according to whether the reference signal receiving power is smaller than a first threshold and whether the signal-to-noise ratio is smaller than a second threshold.
In this embodiment, the value range of the first threshold is-120 dBm to-100 dBm, preferably-110 dBm; the second threshold value ranges from 4dB to 8dB, preferably 6 dB.
In this embodiment, if the reference signal received power is smaller than the first threshold and the signal-to-noise ratio is smaller than the second threshold, the network environment is determined to be the target environment. When the reference signal receiving power is smaller than a first threshold and the signal-to-noise ratio is smaller than a second threshold, the user has difficulty in making online payment through data traffic.
When online payment is carried out, dependence on the network is not lasting for a long time, for example, if the condition of network connection is in an unstable state of good time, good time and bad time, online payment can also be completed, for example, when the previous online payment fails, the payment can be successfully carried out through data traffic after short waiting for a period of time, and therefore, the opportunity of realizing online payment exists in the unstable state of the network. If the user initiates two online payments, the time consumption is long, and the user is also required to operate one online payment again, which is very inconvenient. Therefore, if the previous online payment fails and the failure reason is that the network connection is overtime, whether the network environment is the target environment or not is further confirmed directly through the background through the current signal strength parameter, and if the payment fails and the signal strength parameter is not enough to support the user to complete the online payment, the current network environment does not have the opportunity of supporting the user to complete the online payment, and the payment under the current environment can be completed only through the short message payment.
In this embodiment, referring to fig. 3, if the network environment is the target environment, the encrypting the transaction authentication information and sending the encrypted transaction authentication information to the server through the short message signaling channel further includes steps 251 and 252:
in this embodiment, after the network environment is the target environment, the payment terminal further displays a short message payment interface to the user, so that the user can input a payment amount, a collection account and a short message payment password. The short message payment password is a password which is set by the user independently and used for short message payment. Because the user is usually in a poor network environment when making short message payment, once payment occurs, the user is difficult to know the payment condition in time. The safety of the transaction can be further ensured by setting the short message payment password, and the situation that the user generates the transaction under the condition of no knowledge because the short message payment to the server is imitated by other mobile phones is prevented. The mode of obtaining the short message payment password by the user can also play a role of reminding the user that the current payment is the short message payment and generating the short message service cost, so that the user can know the going direction of each fund.
In this embodiment, the transaction authentication information not only includes the short message payment password, but also includes: a payment amount, a collection account number, an online payment password, a payment account number, a payment time, and/or a transaction security code. Preferably, the transaction authentication information includes a payment amount, a collection account number, an online payment password, a payment account number, a payment time, a transaction security code and a short message payment password. In some embodiments, the transaction authentication information may not include the online payment password when the transaction authentication information includes the sms payment password.
And step 260, receiving a short message payment result sent by the server, wherein the short message payment result is obtained after the server judges whether the current transaction environment is safe and performs short message payment according to the transaction authentication information.
In this embodiment, compared to step 150, whether the current transaction environment is safe is further determined according to whether the short message payment password is the same as the preset short message payment password, if the current transaction environment is safe, normal payment can be initiated, and the server performs money transfer between accounts according to the transaction authentication information provided by the user to complete the transaction.
According to the technical scheme, on one hand, the signal intensity parameter is obtained when whether the online payment result is payment failure and the failure reason is network connection timeout, and then the signal intensity parameter confirms whether the network environment is the target environment, so that the problem of low accuracy of network environment judgment is solved, the accuracy of judging the network environment to be the target environment is improved, and unnecessary payment cost caused by short message payment is avoided being borne by a user. On the other hand, the problem of low short message payment safety is solved by setting the short message payment password, the effect of preventing the short message payment password from being imitated is achieved, and the safety of short message payment is improved.
In one embodiment, if the network environment is not the target environment, the user is reminded to start the mobile data, or the mobile data use permission is opened, or the user is reminded to pay online again. If the network environment is not the target environment, it is shown that the signal strength of the current mobile phone can support the user to perform online payment, and it is very likely that the user forgets to enable the mobile data, or forbids the mobile data usage right of the current software, and the user needs to be reminded to enable the mobile data or open the mobile data usage right to smoothly complete the payment. Or is in a state of unstable network at present, but the possibility of successful online payment exists, the user can be advised to try online payment again, and unnecessary short message payment cost is avoided.
In an embodiment, the short message payment apparatus may execute the short message payment method provided in any embodiment of the present invention, referring to fig. 4, the short message payment apparatus 3 specifically includes:
the obtaining module 31 is configured to obtain online payment information according to the payment signal, where the online payment information includes a collection account, a payment amount, and an online payment password. (ii) a
The online payment module 32 is used for initiating online payment according to online payment information to obtain an online payment result, wherein the online payment information comprises a collection account, a collection amount and an online payment password;
the judging module 33 is configured to judge whether the network environment is a target environment according to the online payment result;
a sending module 34, configured to encrypt the transaction authentication information and send the encrypted transaction authentication information to the server through the short message signaling channel if the network environment is the target environment, where the transaction authentication information includes: a payment amount, a payment account number, a collection account number, a payment time, an online payment password, and/or a transaction security code;
the receiving module 35 is configured to receive a short message payment result sent by the server, where the short message payment result is obtained after the server determines whether the current transaction environment is safe and performs short message payment according to the transaction authentication information.
In this embodiment, the payment signal includes: and (3) a transfer payment signal between accounts actively initiated by the user or a payment signal carried out by scanning the two-dimensional code of the payee by the user.
In one embodiment, the determining module is further configured to: acquiring signal intensity parameters according to an online payment result, wherein the signal intensity parameters comprise reference signal receiving power and a signal-to-noise ratio; and judging whether the network environment is a target environment according to whether the reference signal receiving power is smaller than a first threshold and whether the signal-to-noise ratio is smaller than a second threshold.
In one embodiment, the determining module is further configured to determine whether the network environment is the target environment according to whether the online payment result is a payment failure and the failure reason is network connection timeout.
In one embodiment, the sending module is further configured to obtain a short message payment password if the network environment is the target environment; and encrypting the transaction authentication information and sending the encrypted transaction authentication information to a server through a short message signaling channel, wherein the transaction authentication information also comprises a short message payment password.
The short message payment device provided by the embodiment of the invention can execute the short message payment method provided by any embodiment of the invention, and has the corresponding functional module and beneficial effect of the execution method.
In one embodiment, referring to fig. 5, an embodiment of the present invention provides a structure of a payment terminal. The payment terminal comprises a processor 41, a memory 42; the number of processors 41 in the payment terminal may be one or more, and one processor 41 is taken as an example in fig. 5; the processor 41 and the memory 42 in the payment terminal may be connected by a bus or other means, and fig. 5 illustrates the connection by a bus as an example.
The memory 42 is a computer-readable storage medium and can be used for storing software programs, computer-executable programs, and modules, such as program instructions/modules (for example, an obtaining module, an online payment module, a judging module, a sending module, and a receiving module) corresponding to the short message payment method in the embodiment of the present invention.
The processor 41 executes various functional applications and data processing of the payment terminal by running software programs, instructions and modules stored in the memory 42, so as to implement the above-mentioned short message payment method. When the processor 41 executes the computer program, the following steps are implemented, specifically including:
step 610, acquiring online payment information according to the payment signal, wherein the online payment information comprises a collection account, a payment amount and an online payment password;
step 620, initiating online payment according to the online payment information to obtain an online payment result;
step 630, judging whether the network environment is a target environment according to the online payment result;
step 640, if the network environment is the target environment, encrypting the transaction authentication information and sending the encrypted transaction authentication information to the server through the short message signaling channel, wherein the transaction authentication information includes: a payment amount, a collection account number, an online payment password, a payment account number, a payment time, and/or a transaction security code;
and 650, receiving a short message payment result sent by the server, wherein the short message payment result is obtained after the server judges whether the current transaction environment is safe and carries out short message payment according to the transaction authentication information.
Wherein the payment signal comprises: and (3) a transfer payment signal between accounts actively initiated by the user or a payment signal carried out by scanning the two-dimensional code of the payee by the user.
In one embodiment, processor 41 when executing computer program step 630 further comprises:
step 631, obtaining signal strength parameters according to the online payment result, wherein the signal strength parameters comprise reference signal receiving power and signal-to-noise ratio;
step 632, determining whether the network environment is the target environment according to whether the reference signal received power is smaller than the first threshold and whether the signal-to-noise ratio is smaller than the second threshold.
In one embodiment, processor 41 when executing computer program step 630 further comprises:
step 633, judging whether the network environment is the target environment according to whether the online payment result is payment failure and whether the failure reason is network connection overtime.
In one embodiment, processor 41, when executing computer program step 640, further comprises:
step 641, if the network environment is a target environment, acquiring a short message payment password;
642, the transaction authentication information is encrypted and then sent to the server through a short message signaling channel, and the transaction authentication information further comprises a short message payment password.
The memory 42 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the payment terminal, and the like. Further, the memory 42 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, memory 42 may further include memory located remotely from processor 41, which may be connected to the payment terminal over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
According to the technical scheme, when the network environment is the target environment, the transaction authentication information is sent to the server through the short message signaling channel to carry out payment through the short message, so that the problem that online payment cannot be carried out under the condition of no data service is solved, automatic selection of sending the transaction authentication information to the server and online payment of the short message containing the transaction authentication information under the condition of no network connection is achieved, the situation that a user needs to manually switch payment modes is avoided, the operation complexity is reduced, and the user experience is improved. In addition, compared with the method that the user judges the current network environment state by himself, the accuracy of judging whether the network environment supports online payment is increased, and the fact that the user bears excessive short message payment cost due to judgment errors is avoided.
In one embodiment, the present invention further provides a storage medium containing computer-executable instructions, which when executed by a computer processor, perform a method for payment by sms, the processor implementing the following steps when executing a computer program, specifically including:
step 610, acquiring online payment information according to the payment signal, wherein the online payment information comprises a collection account, a payment amount and an online payment password;
step 620, initiating online payment according to the online payment information to obtain an online payment result;
step 630, judging whether the network environment is a target environment according to the online payment result;
step 640, if the network environment is the target environment, encrypting the transaction authentication information and sending the encrypted transaction authentication information to the server through the short message signaling channel, wherein the transaction authentication information includes: a payment amount, a collection account number, an online payment password, a payment account number, a payment time, and/or a transaction security code;
and 650, receiving a short message payment result sent by the server, wherein the short message payment result is obtained after the server judges whether the current transaction environment is safe and carries out short message payment according to the transaction authentication information.
Wherein the payment signal comprises: and (3) a transfer payment signal between accounts actively initiated by the user or a payment signal carried out by scanning the two-dimensional code of the payee by the user.
In one embodiment, the computer program when executed by the processor of step 630 further comprises:
step 631, obtaining signal strength parameters according to the online payment result, wherein the signal strength parameters comprise reference signal receiving power and signal-to-noise ratio;
step 632, determining whether the network environment is the target environment according to whether the reference signal received power is smaller than the first threshold and whether the signal-to-noise ratio is smaller than the second threshold.
In one embodiment, the computer program when executed by the processor of step 630 further comprises:
step 633, judging whether the network environment is the target environment according to whether the online payment result is payment failure and whether the failure reason is network connection overtime.
In one embodiment, the computer program when executed by the processor of step 640 further comprises:
step 641, if the network environment is a target environment, acquiring a short message payment password;
642, the transaction authentication information is encrypted and then sent to the server through a short message signaling channel, and the transaction authentication information further comprises a short message payment password.
Of course, the storage medium containing the computer-executable instructions provided in the embodiments of the present invention is not limited to the above method operations, and may also perform related operations in the short message payment method provided in any embodiment of the present invention.
According to the technical scheme, when the network environment is the target environment, the transaction authentication information is sent to the server through the short message signaling channel to carry out payment through the short message, so that the problem that online payment cannot be carried out under the condition of no data service is solved, automatic selection of sending the transaction authentication information to the server and online payment of the short message containing the transaction authentication information under the condition of no network connection is achieved, the situation that a user needs to manually switch payment modes is avoided, the operation complexity is reduced, and the user experience is improved. In addition, compared with the method that the user judges the current network environment state by himself, the accuracy of judging whether the network environment supports online payment is increased, and the fact that the user bears excessive short message payment cost due to judgment errors is avoided.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments illustrated herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A short message payment method is characterized by comprising the following steps:
acquiring online payment information according to the payment signal, wherein the online payment information comprises a collection account, a payment amount and an online payment password;
initiating online payment according to the online payment information to obtain an online payment result;
judging whether the network environment is a target environment or not according to the online payment result;
if the network environment is a target environment, encrypting the transaction authentication information and sending the encrypted transaction authentication information to a server through a short message signaling channel, wherein the transaction authentication information comprises: the payment amount, the collection account number, the online payment password, a payment account number, a payment time, and/or a transaction security code;
and receiving a short message payment result sent by the server, wherein the short message payment result is obtained after the server judges whether the current transaction environment is safe and carries out short message payment according to the transaction authentication information.
2. The short message payment method of claim 1, wherein the payment signal comprises: and (3) a transfer payment signal between accounts actively initiated by the user or a payment signal carried out by scanning the two-dimensional code of the payee by the user.
3. The short message payment method of claim 1, wherein the determining whether the network environment is the target environment according to the online payment result further comprises:
acquiring signal intensity parameters according to the online payment result, wherein the signal intensity parameters comprise reference signal receiving power and signal-to-noise ratio;
and judging whether the network environment is a target environment according to whether the reference signal receiving power is smaller than a first threshold and whether the signal-to-noise ratio is smaller than a second threshold.
4. The short message payment method of claim 1, wherein the determining whether the network environment is the target environment according to the online payment result further comprises:
and judging whether the network environment is the target environment or not according to whether the online payment result is payment failure or not and whether the failure reason is network connection overtime.
5. The short message payment method of claim 1, wherein if the network environment is a target environment, encrypting the transaction authentication information and sending the encrypted transaction authentication information to a server through a short message signaling channel further comprises:
if the network environment is a target environment, acquiring a short message payment password;
and encrypting the transaction authentication information and sending the encrypted transaction authentication information to a server through a short message signaling channel, wherein the transaction authentication information also comprises the short message payment password.
6. A short message payment device is characterized by comprising:
the acquisition module is used for acquiring online payment information according to the payment signal, wherein the online payment information comprises a collection account, a payment amount and an online payment password;
the online payment module is used for initiating online payment according to online payment information to obtain an online payment result, wherein the online payment information comprises a collection account, a collection amount and an online payment password;
the judging module is used for judging whether the network environment is a target environment or not according to the online payment result;
a sending module, configured to encrypt transaction authentication information and send the encrypted transaction authentication information to a server through a short message signaling channel if the network environment is a target environment, where the transaction authentication information includes: a payment amount, a payment account number, a collection account number, a payment time, an online payment password, and/or a transaction security code;
and the receiving module is used for receiving a short message payment result sent by the server, wherein the short message payment result is obtained after the server judges whether the current transaction environment is safe and carries out short message payment according to the transaction authentication information.
7. The short message payment device of claim 6, wherein the determining module is further configured to: acquiring signal intensity parameters according to the online payment result, wherein the signal intensity parameters comprise reference signal receiving power and signal-to-noise ratio; and judging whether the network environment is a target environment according to whether the reference signal receiving power is smaller than a first threshold and whether the signal-to-noise ratio is smaller than a second threshold.
8. The short message payment device of claim 6, wherein the sending module is further configured to obtain a short message payment password if the network environment is a target environment; and encrypting the transaction authentication information and sending the encrypted transaction authentication information to a server through a short message signaling channel, wherein the transaction authentication information also comprises the short message payment password.
9. A payment terminal, characterized in that the payment terminal comprises:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the SMS payment method of any one of claims 1-5.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out a short message payment method according to any one of claims 1 to 5.
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