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WO2017050069A1 - 支付方法、装置及系统 - Google Patents

支付方法、装置及系统 Download PDF

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Publication number
WO2017050069A1
WO2017050069A1 PCT/CN2016/096018 CN2016096018W WO2017050069A1 WO 2017050069 A1 WO2017050069 A1 WO 2017050069A1 CN 2016096018 W CN2016096018 W CN 2016096018W WO 2017050069 A1 WO2017050069 A1 WO 2017050069A1
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WO
WIPO (PCT)
Prior art keywords
payment
merchant
application
server
order
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2016/096018
Other languages
English (en)
French (fr)
Inventor
杨朗
徐雄威
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Tencent Technology Shenzhen Co Ltd
Original Assignee
Tencent Technology Shenzhen Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Tencent Technology Shenzhen Co Ltd filed Critical Tencent Technology Shenzhen Co Ltd
Priority to MYPI2017704256A priority Critical patent/MY193713A/en
Priority to KR1020177034993A priority patent/KR102034365B1/ko
Priority to EP16847951.7A priority patent/EP3291161B1/en
Priority to JP2017563261A priority patent/JP6697005B2/ja
Publication of WO2017050069A1 publication Critical patent/WO2017050069A1/zh
Priority to US15/794,206 priority patent/US11120493B2/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Managing shopping lists, e.g. compiling or processing purchase lists
    • G06Q30/0635—Managing shopping lists, e.g. compiling or processing purchase lists replenishment orders; recurring orders
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0641—Electronic shopping [e-shopping] utilising user interfaces specially adapted for shopping
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/14—Digital output to display device ; Cooperation and interconnection of the display device with other functional units

Definitions

  • Embodiments of the present invention relate to the field of computer and Internet technologies, and in particular, to a payment method, apparatus, and system.
  • the user can perform a series of shopping processes such as selecting a merchant, ordering an item, and paying online.
  • merchants access shopping platform applications in two ways: one is to access the shopping platform application in the form of an open interface, and the other is to access the shopping platform application in the form of a web page.
  • the existing online payment process is as follows: after the user completes the ordering of the article, the shopping platform application invokes the webpage payment tool, and the user inputs in the login page provided by the webpage payment tool. The user account and the corresponding login password are logged into the web version payment tool, and then the user enters the payment password to complete the payment process.
  • the embodiment of the present invention provides a payment method. Devices and systems. The technical solution is as follows:
  • the first aspect provides a payment method, which is applied to a payment system including a terminal and a background server, where the terminal runs a platform application and a payment application, and the method includes:
  • the platform application obtains order information by using a webpage page corresponding to the merchant, where the merchant uses the webpage Formally accessing the platform application; sending the order information to the background server through the webpage page;
  • the background server generates a prepayment order number according to the order information; and sends the prepaid order number to the webpage page;
  • the platform application acquires the prepaid order number from the webpage page; invokes the payment application, and completes the payment process with the background server according to the prepayment order number by the payment application.
  • a payment method comprising:
  • a payment method comprising:
  • Transmitting the prepaid order number to the webpage page wherein the webpage page is configured to provide the prepaid order number to the platform application, such that the platform application invokes a payment application, and The payment application completes the payment process with the background server according to the prepaid order number, and the platform application and the payment application run in the same terminal.
  • a payment device comprising:
  • An information sending module configured to send the order information to a background server by using the webpage page
  • An order number obtaining module configured to obtain a prepayment order number from the webpage page, where the prepaid order number is generated by the background server according to the order information and sent to the webpage page;
  • a payment invoking module configured to invoke a payment application, by which the payment application completes a payment process according to the prepaid order number; wherein the platform application and the payment application are shipped In the same terminal.
  • An order number generating module configured to generate a prepayment order number according to the order information
  • a sixth aspect provides a payment system, where the system includes: a terminal and a background server, where the terminal runs a platform application and a payment application;
  • the prepaid order number is obtained from the background server through the webpage page corresponding to the merchant, and then the platform application obtains the prepayment order number from the webpage page corresponding to the merchant, and invokes the payment application, and the payment application completes according to the prepaid order number and the background server.
  • the payment process solves the problem that the existing online payment process is complicated and cumbersome and has low security when the merchant accesses the shopping platform application in the form of a webpage; the user directly inputs the payment by directly calling the payment application.
  • the verification process can complete the payment process. The user does not need to manually input the user account and the corresponding login password to log in to the web version payment tool, which simplifies the operation process, improves the payment efficiency, and improves the technical effect of security.
  • FIG. 3 is a flowchart of a method for a payment method according to another embodiment of the present invention.
  • FIG. 4 is a flowchart of a method for a payment method according to still another embodiment of the present invention.
  • FIG. 5A is a flowchart of a method for a payment method according to still another embodiment of the present invention.
  • FIG. 5B is a schematic diagram of a user interface involved in the embodiment shown in FIG. 5A;
  • FIG. 5B is a schematic diagram of a user interface involved in the embodiment shown in FIG. 5A;
  • FIG. 6 is a block diagram showing the structure of a payment apparatus according to an embodiment of the present invention.
  • 6B is a structural block diagram of a payment apparatus according to another embodiment of the present invention.
  • FIG. 7 is a structural block diagram of a payment apparatus according to another embodiment of the present invention.
  • FIG. 8 is a structural block diagram of a payment system according to an embodiment of the present invention.
  • the terminal 120 may be an electronic device such as a mobile phone, a tablet, an e-book reader, a multimedia playback device, a laptop portable computer.
  • the platform 120 runs a platform application and a payment application.
  • the platform application refers to a platform-level application that provides an access function for a merchant, so that the merchant can provide various services for the user (English: Application; abbreviation: APP).
  • APP Application
  • the types of services provided by the platform application are not limited, including but not limited to shopping services, living services, car service, and the like.
  • a merchant is an organization or individual that accesses a platform application and provides services to users in a platform application.
  • the above-mentioned institutions may be merchants, manufacturers, agents, dealers, and the like.
  • the merchant accesses the platform application in the form of a webpage.
  • the merchant and the services it provides are displayed in the form of web pages.
  • the user can view and purchase the required services in the web page corresponding to the merchant.
  • the webpage page corresponding to the merchant may be a webpage page developed by HTML5 (Hyper Text Markup Language 5, Hypertext Markup Language Fifth Edition).
  • the platform application is a shopping platform application, which is a platform-level application that provides online trading access for users and merchants.
  • the shopping platform application may be the Jingdong Mall APP produced by Beijing Jingdong Century Trading Co., Ltd., the Tmall APP produced by China Facebook Company, the Taobao APP produced by China Facebook Company, and the like.
  • a merchant refers to an institution or individual that accesses a shopping platform application to sell items to a user in a shopping platform application. Merchant can It is the manufacturer, agent or distributor of the item.
  • the merchant accesses the shopping platform application as a web page. That is, in the shopping platform application, the merchant and its sold items are displayed in the form of web pages. The user can view and purchase items in the web page corresponding to the merchant.
  • the platform application is a life service platform application
  • the life service platform application refers to a platform-level application that provides an access function for the merchant to enable the merchant to provide various life services for the user.
  • the above-mentioned living services include, but are not limited to, take-out service, housekeeping service, tutoring service, art training service, ticket/ticket/hotel ordering service, agency service, real estate rental service, and the like.
  • the life service platform application can be a 58-city APP produced by China Beijing Wuba Information Technology Co., Ltd., a market-collected APP produced by China Mountain View Science & Technology Network Technology (Beijing) Co., Ltd., and a Chinese Nanjing Tuniu Technology Co., Ltd.
  • a merchant refers to an institution or individual that accesses a life service platform application and provides living services to users in a life service platform application.
  • the merchant can be a provider, agent or distributor of the service.
  • the merchant accesses the life service platform application as a web page. That is, in the life service platform application, the merchant and the living service provided by the merchant are displayed in the form of a webpage. The user can view and purchase the required services in the web page corresponding to the merchant.
  • a payment application is a client application that is used to implement online payment functions.
  • the payment application may be a WeChat payment issued by China Tencent, an Alipay produced by China Facebook, and the like. Compared with the use of web pages for payment, due to the self-contained security check module, and the transmission process is not easy to be hijacked, it is more secure to use the payment client application for payment.
  • the terminal 120 establishes a communication connection with the background server 140 through a communication network, which may be a wired network or a wireless network.
  • the background server 140 is a cluster architecture, and the background server 140 includes a merchant server 142 corresponding to the merchant and a payment server 144 corresponding to the payment application.
  • the merchant server 142 is a back-end server of the merchant.
  • the merchant server 142 establishes an HTTP (Hyper Text Transfer Protocol) connection between the webpage pages corresponding to the merchant, and the two communicate through the HTTP connection.
  • the payment server 144 is a back-end server of the payment application, and the payment server 144 establishes a communication connection with the payment application.
  • the background server 140 further includes: a platform server 146 corresponding to the platform application.
  • the platform server 146 is a background server of the platform application, and the platform server 146 is built between the platform application and the platform application. There is a communication connection.
  • FIG. 2 is a flowchart of a method for payment according to an embodiment of the present invention.
  • the payment method is applicable to a platform application running in the terminal 120 in the implementation environment shown in FIG.
  • the payment method can include the following steps:
  • Step 202 Obtain order information through a webpage page corresponding to the merchant, and the merchant accesses the platform application in the form of a webpage.
  • Step 204 Send order information to the background server through the webpage page.
  • Step 206 Obtain a prepayment order number from a webpage page, and the prepaid order number is generated by the background server according to the order information and sent to the webpage page.
  • Step 208 The payment application is invoked, and the payment process is completed by the payment application according to the prepayment order number and the background server; wherein the platform application and the payment application run in the same terminal.
  • the payment method provided by the embodiment obtains the prepayment order number from the background server through the webpage page corresponding to the merchant, and then the platform application obtains the prepayment order number from the webpage page corresponding to the merchant, and invokes the payment application.
  • the payment process is completed by the payment application according to the prepaid order number and the background server; and the prior art is implemented in the case where the merchant accesses the shopping platform application in the form of a webpage, the operation of the related online payment process is complicated and cumbersome, and the security is low.
  • the problem is that the payment process is completed by directly inputting the payment verification information, and the user does not need to manually input the user account and the corresponding login password to log in to the webpage payment tool, thereby simplifying the operation process and improving the payment efficiency. And improve the technical effect of security.
  • FIG. 3 is a flowchart of a method for payment according to another embodiment of the present invention.
  • the payment method is applicable to the background server 140 in the implementation environment shown in FIG.
  • the payment method can include the following steps:
  • Step 302 Receive order information sent by a webpage page corresponding to the merchant, and the merchant accesses the platform application by using a webpage.
  • Step 304 Generate a prepayment order number according to the order information.
  • Step 306 Send the prepaid order number to the webpage page, wherein the webpage page is used to provide the prepaid order number to the platform application, so that the platform application invokes the payment application, and completes the payment application according to the prepayment order number and the background server.
  • the payment process, the platform application and the payment application run in the same terminal.
  • the payment method provided by the embodiment obtains the order information from the webpage page corresponding to the merchant through the background server, and generates a prepayment order number according to the report, and then feeds back to the webpage page corresponding to the merchant, so that the merchant corresponds to
  • the webpage page provides the prepaid payment order number to the platform application, and the platform application invokes the payment application, and the payment application completes the payment process according to the prepaid payment order number and the background server; and solves the existing technology to access the shopping platform in the form of a webpage by the merchant.
  • the operation of the related online payment process is complicated and cumbersome, and the security is low; since the payment application is directly invoked, the user directly inputs the payment verification information to complete the payment process, without requiring the user to manually input the user account and correspondingly
  • the login password is used to log in to the web version of the payment tool, which achieves the technical effect of simplifying the operation process, improving the payment efficiency, and improving the security.
  • FIG. 4 is a flowchart of a method for payment according to still another embodiment of the present invention.
  • the payment method can be applied to the implementation environment shown in FIG.
  • the payment method can include the following steps:
  • step 402 the platform application obtains the order information through the webpage page corresponding to the merchant, and the merchant accesses the platform application in the form of a webpage.
  • step 404 the platform application sends the order information to the background server through the webpage page.
  • the background server receives the order information sent by the web page.
  • step 406 the background server generates a prepayment order number according to the order information.
  • the web page receives the prepaid order number sent by the background server.
  • step 410 the platform application obtains the prepayment order number from the webpage page.
  • Step 412 The platform application invokes the payment application, and the payment application completes the payment process according to the prepayment order number and the background server.
  • the payment method provided by the embodiment obtains the prepayment order number from the background server through the webpage page corresponding to the merchant, and then the platform application obtains the prepayment order number from the webpage page corresponding to the merchant, and invokes the payment application.
  • the payment process is completed by the payment application according to the prepaid order number and the background server; and the prior art is implemented in the case where the merchant accesses the shopping platform application in the form of a webpage, the operation of the related online payment process is complicated and cumbersome, and the security is low.
  • the problem is that the payment process is completed by directly inputting the payment verification information, and the user does not need to manually input the user account and the corresponding login password to log in to the webpage payment tool, thereby simplifying the operation process and improving the payment efficiency. And improve the technical effect of security.
  • FIG. 5A a flowchart of a method for a payment method according to another embodiment of the present invention is shown. The embodiment is illustrated by using the payment method in the implementation environment shown in FIG.
  • the payment method can include the following steps:
  • Step 501 The platform application obtains order information by using a webpage page corresponding to the merchant.
  • the merchant accesses the platform application in the form of a webpage.
  • the web page corresponding to the merchant is used to display information about the items sold by the merchant, such as the item name, type, unit price, introduction, preview picture, and evaluation.
  • the user can view, select, and purchase the desired item in the web page corresponding to the merchant.
  • the webpage page corresponding to the merchant obtains the order information.
  • the order information is used to indicate the items ordered by the user and the total price to be paid.
  • the order information may include the item name, quantity, and unit price.
  • the type of the item sold by the merchant is not limited.
  • the items sold by the merchant may be physical items such as food, clothing, home appliances, furniture, books, etc.; the items sold by the merchant may also be virtual items, such as game coins, phone bills, members, etc., such as housekeeping, tutoring, agency, etc. service.
  • Step 502 The platform application sends the order information to the merchant server by using a webpage page corresponding to the merchant.
  • the merchant server receives the order information sent by the webpage page corresponding to the merchant.
  • step 503 the merchant server sends an order generation request to the payment server.
  • the order generation request includes at least order information.
  • the order generation request is used to request the payment server to establish a prepayment order and generate a corresponding prepayment order number.
  • the order generation request further includes a merchant identifier corresponding to the merchant.
  • the merchant identifier is used to uniquely identify the merchant, and the different merchants correspond to different merchant identifiers.
  • the payment server receives an order generation request sent by the merchant server.
  • Step 504 The payment server generates a prepayment order number according to the order generation request.
  • the prepayment order number is used to uniquely identify the prepayment order, and the different prepayment orders correspond to different prepayment order numbers.
  • the payment server can generate a prepayment order number according to a preset rule. For example, the payment server generates a prepayment order number based on the current time and the merchant identification corresponding to the merchant.
  • the payment server detects whether the merchant is a registered merchant according to the merchant identifier, and pays the service when detecting that the merchant is a registered merchant.
  • the server generates a prepayment order number. Otherwise, in the event that it is detected that the merchant is a non-registered merchant, the payment server returns a response to the merchant server indicating that the order generation failed.
  • the process for the payment server to detect whether the merchant is a registered merchant according to the merchant identifier is as follows: the payment server detects whether the merchant identifier corresponding to the merchant exists in the registered merchant identifier set; if yes, confirms that the merchant is registered Merchant; if not, confirm that the merchant is a non-registered merchant.
  • the registered merchant identifier set includes the merchant identifiers corresponding to all the merchants that have successfully registered in the payment server.
  • Step 505 The payment server stores a correspondence between the prepayment order number and the order information.
  • Step 506 the payment server sends a prepayment order number to the merchant server.
  • the merchant server receives the prepaid order number sent by the payment server.
  • step 506 can be performed before step 505, or after step 505, or simultaneously with step 505.
  • the process is performed after step 505 only in step 506, but is not limited thereto.
  • Step 507 The merchant server sends a prepayment order number to the webpage page corresponding to the merchant.
  • the prepaid order number is forwarded to the webpage page corresponding to the merchant through an HTTP connection established between the webpage page corresponding to the merchant.
  • the webpage page corresponding to the merchant receives the prepaid order number sent by the merchant server.
  • Step 508 The platform application obtains a prepayment order number from a webpage page corresponding to the merchant.
  • the pre-payment order number is obtained on the webpage page corresponding to the merchant, the pre-payment order number is provided to the platform application.
  • the platform application provides a predetermined interface to the webpage page corresponding to the merchant, and the predetermined interface may be a Java Script interface, and the platform application obtains the prepayment order number from the webpage page corresponding to the merchant through the predetermined interface. Specifically, after obtaining the prepayment order number, the webpage page corresponding to the merchant calls a predetermined interface, and provides the prepayment order number to the platform application through the predetermined interface.
  • Step 509 The platform application obtains the merchant verification information from the webpage page corresponding to the merchant.
  • the merchant verification information includes a merchant identifier and/or order information corresponding to the merchant.
  • the merchant verification information is used for the platform application to verify the legality of the merchant.
  • the platform application obtains the merchant verification information from the webpage page corresponding to the merchant through the predetermined interface.
  • the web page corresponding to the merchant can provide the prepaid order number and the merchant verification information to the flat
  • the application can also be provided to the platform application in turn. That is, the above step 509 may be performed before step 508, or after step 508, or simultaneously with step 508. In the normal case, step 509 and step 508 are performed simultaneously, that is, the webpage page corresponding to the merchant provides the prepaid order number and the merchant verification information to the platform application.
  • step 510 the platform application verifies the merchant verification information.
  • the platform app verifies that the merchant is compliant based on the merchant verification information.
  • the merchant verification information includes the merchant identifier corresponding to the merchant
  • the platform application detects whether the merchant is a registered merchant according to the merchant identifier.
  • the verification process is similar to the verification process of the payment server to the merchant described in the above step 504. For details, refer to the description and description above, and details are not described herein again.
  • the platform application detects whether the item and the unit price are in compliance according to the order information.
  • the order information is used to indicate the items ordered by the user and the total price to be paid.
  • the order information may include the item name, quantity, and unit price.
  • the platform application detects whether the item and the unit price have been tampered with the item name and the corresponding unit price previously reserved by the merchant, and if the detected item or unit price is tampered with, the non-compliance is confirmed.
  • the platform application can verify the legality of the merchant locally, and can also verify the legality of the merchant in the cloud.
  • the platform application sends the merchant verification information to the platform server corresponding to the platform application, and the platform server verifies the compliance of the merchant according to the merchant verification information, and feeds the verification result to the platform application.
  • Step 511 If the merchant passes the verification, the platform application invokes the payment interface provided by the payment application, and provides the prepayment order number to the payment application through the payment interface.
  • the payment application refers to a client application for realizing the online payment function, rather than a web version payment tool.
  • the payment application runs in the same terminal as the platform application.
  • the payment application provides a payment interface to the platform application for platform application calls.
  • the platform application also provides its registration identifier to the payment application.
  • the platform application may also feed back to the merchant server a response indicating that the legality check failed, so that the merchant understands the reason for the transaction failure.
  • the payment application completes the payment process with the payment server based on the prepaid order number. Specifically, the following steps 512 to 516 are included.
  • step 512 the payment application sends a prepaid order number to the payment server.
  • the payment server receives the prepaid order number sent by the payment application.
  • the payment application sends the registration identifier of the platform application to the payment server together with the prepaid order number.
  • Step 513 The payment server acquires the order information corresponding to the prepaid order number according to the correspondence between the prepaid deposit order number and the order information.
  • step 514 the payment server sends the order information to the payment application.
  • the payment application receives the order information sent by the payment server.
  • the payment server verifies whether the platform application has been successfully registered according to the registration identifier of the platform application, and sends the order information to the payment application if the verification result is that the registration is successful.
  • step 515 the payment application generates and displays a payment page based on the order information.
  • the payment page includes at least a payment amount and an operation control for the user to input payment verification information.
  • the payment page further includes information such as a payee, order information, and the like.
  • Step 516 After the payment application obtains the payment verification information corresponding to the payment page input, the payment application completes the payment process.
  • the payment verification information refers to verification information that is preset in the payment application for confirming the payment.
  • the implementation form of the payment verification information is not limited, including but not limited to a digital password, a graphic password, a fingerprint, a voiceprint, a face, and the like.
  • the payment server sends a payment completion indication to the merchant server, the payment completion indication including a prepayment order number; wherein the payment completion indication is used to notify the merchant user that the payment has been successfully made. Accordingly, the merchant can arrange the delivery process according to the prepayment order number. In addition, the payment server will periodically transfer the money collected to the merchant.
  • the merchant accesses the platform application in the form of a webpage, and the user selects the item to be purchased in the webpage 51 provided by the merchant, and clicks the "order now" button 52 after completing the selection.
  • the platform application displays a payment method selection page 53, the user selects a payment application named "X-Sign Payment” in the payment method selection page 53, and clicks the "Confirm Payment” button 54. Thereafter, the platform application invokes a payment application named "X-Sign Payment", the payment application displays a payment page 55, and after the user clicks the "pay now” button 56 on the payment page 55, the payment application displays a payment verification information for the user to input.
  • the floating window 57 and the input keyboard 58 complete the payment after the user inputs payment verification information (such as a 6-digit password).
  • the payment method provided in this embodiment is from the background through the webpage corresponding to the merchant.
  • the server obtains the prepayment order number
  • the platform application obtains the prepayment order number from the webpage page corresponding to the merchant, and invokes the payment application, and completes the payment process according to the prepaid payment order number and the background server by the payment application;
  • the payment application accesses the shopping platform application in the form of a webpage, the operation of the related online payment process is complicated and cumbersome, and the security is low; since the payment application is directly invoked, the user directly inputs the payment verification information to complete the payment process.
  • There is no need for the user to manually input the user account and the corresponding login password to log in to the web version of the payment tool thereby achieving a technical effect of simplifying the operation process, improving the payment efficiency, and improving the security.
  • the payment method provided by the embodiment further ensures registration security for the merchant through the payment server, the legality verification of the merchant through the platform application, and the registration verification of the platform application by the payment application, thereby fully ensuring payment security.
  • the platform application only needs to provide a page display portal to the merchant, and the processes of generating, collecting, and shipping the prepayment order do not need platform application participation, thereby greatly reducing the development of the platform application. And maintenance costs.
  • FIG. 6A is a structural block diagram of a payment apparatus according to an embodiment of the present invention.
  • the payment device has a function of realizing an example of the method on the terminal side described above, and the function may be implemented by hardware or by executing corresponding software by hardware.
  • the payment device may include an information acquisition module 610, an information transmission module 620, an order number acquisition module 630, and a payment invoking module 640.
  • the information obtaining module 610 is configured to obtain order information by using a webpage page corresponding to the merchant, where the merchant accesses the platform application in the form of a webpage.
  • the information sending module 620 is configured to send the order information to the background server by using the webpage page.
  • the order number obtaining module 630 is configured to obtain a prepayment order number from the webpage page, where the prepaid order number is generated by the background server according to the order information and sent to the webpage page.
  • the payment invoking module 640 is configured to invoke a payment application, and the payment application completes the payment process with the background server according to the prepaid order number.
  • the platform application and the payment application run in the same terminal.
  • the payment device obtains the prepayment order number from the background server through the webpage page corresponding to the merchant, and then the platform application obtains the prepayment order number from the webpage page corresponding to the merchant, and invokes the payment application.
  • the payment process is completed by the payment application according to the prepaid order number and the background server; and the prior art is solved in the case that the merchant accesses the shopping platform application in the form of a webpage, The operation of the related online payment process is complicated and cumbersome, and the security is low.
  • the payment application is directly invoked, the user can directly input the payment verification information to complete the payment process, without requiring the user to manually input the user account and the corresponding login password to log in.
  • the technical effect of simplifying the operation process, improving the payment efficiency, and improving the security is achieved.
  • the payment application is configured to acquire the order information from the background server according to the prepaid order number; generate and display a payment page according to the order information; and obtain a payment school corresponding to the payment page input After the information is verified, the payment process is completed.
  • the apparatus further includes: a verification acquisition module 650 and a merchant verification module 660.
  • the verification obtaining module 650 is configured to obtain merchant verification information from the webpage page, where the merchant verification information includes a merchant identifier and/or the order information corresponding to the merchant.
  • the merchant verification module 660 is configured to verify the merchant verification information.
  • the payment invoking module 640 is further configured to, when the verification is performed, execute the calling payment application, and the step of completing the payment process by the payment application according to the prepaid order number and the background server.
  • the background server cluster includes: a merchant server corresponding to the merchant and a payment server corresponding to the payment application.
  • the information sending module 620 is specifically configured to: send the order information to the merchant server by using the webpage page, so that the merchant server sends an order generation request to the payment server, where the order generating request includes at least The order information; the payment server is configured to generate the prepaid order number according to the order generation request and send the order form to the merchant server.
  • FIG. 7 is a structural block diagram of a payment apparatus according to another embodiment of the present invention.
  • the payment device has a function of realizing an example of the method on the background server side described above, and the function may be implemented by hardware or by executing corresponding software by hardware.
  • the payment device may include an information receiving module 710, an order number generating module 720, and an order number sending module 730.
  • the information receiving module 710 is configured to receive order information sent by a webpage corresponding to the merchant, where The merchant accesses the platform application in the form of a webpage.
  • the order number generating module 720 is configured to generate a prepayment order number according to the order information.
  • the order number sending module 730 is configured to send the prepaid order number to the webpage page.
  • the webpage page is configured to provide the prepaid order number to the platform application, so that the platform application invokes a payment application, and completes payment by the payment application according to the prepaid order number and the background server. Process.
  • the platform application and the payment application run in the same terminal.
  • the payment device obtains the order information from the webpage page corresponding to the merchant through the background server, and generates a prepayment order number according to the report, and then feeds back to the webpage page corresponding to the merchant, so that the merchant corresponds to
  • the webpage page provides the prepaid payment order number to the platform application, and the platform application invokes the payment application, and the payment application completes the payment process according to the prepaid payment order number and the background server; and solves the existing technology to access the shopping platform in the form of a webpage by the merchant.
  • the operation of the related online payment process is complicated and cumbersome, and the security is low; since the payment application is directly invoked, the user directly inputs the payment verification information to complete the payment process, without requiring the user to manually input the user account and correspondingly
  • the login password is used to log in to the web version of the payment tool, which achieves the technical effect of simplifying the operation process, improving the payment efficiency, and improving the security.
  • the order number generating module 720 is specifically configured to:
  • the order generation request further includes a merchant identifier corresponding to the merchant
  • the prepaid order number is generated by the payment server.
  • FIG. 8 is a structural block diagram of a payment system according to an embodiment of the present invention.
  • the payment system includes a terminal 820 and a backend server 840, and the terminal 820 runs a platform application and a payment application.
  • Terminal 820 includes a payment device as provided by the embodiment illustrated in Figure 6A above or based on any of the alternative embodiments provided by the embodiment illustrated in Figure 6A.
  • the backend server 840 includes a payment device as provided by the embodiment shown in FIG. 7 above or based on any of the alternative embodiments provided by the embodiment shown in FIG.
  • the payment device and the system provided by the foregoing embodiments are only exemplified by the division of the foregoing functional modules.
  • the function distribution may be completed by different functional modules according to requirements, that is, the internal components of the device.
  • the structure is divided into different functional modules to perform all or part of the functions described above.
  • a non-transitory computer readable storage medium comprising instructions, such as a memory comprising instructions executable by a processor of a terminal to perform various steps of the terminal side of the method embodiment described above Or the above instructions are executed by the processor of the server to complete the steps of the background server cluster side in the above method embodiment.
  • the non-transitory computer readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device.
  • a plurality as referred to herein means two or more.
  • "and/or” describing the association relationship of the associated objects, indicating that there may be three relationships, for example, A and/or B, which may indicate that there are three cases where A exists separately, A and B exist at the same time, and B exists separately.
  • the character "/" generally indicates that the contextual object is an "or" relationship.
  • a person skilled in the art may understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable storage medium.
  • the storage medium mentioned may be a read only memory, a magnetic disk or an optical disk or the like.

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Abstract

一种支付方法、装置及系统，属于计算机和互联网技术领域。所述方法包括：平台应用通过商家所对应的网页页面获取订单信息，通过该网页页面向后台服务器发送订单信息；后台服务器根据订单信息生成预付款订单号，并将预付款订单号发送给上述网页页面；平台应用从上述网页页面获取预付款订单号，调用支付应用完成支付流程。本发明解决了现有技术在商家以网页形式接入购物平台应用的情况下，相关在线支付流程的操作较为复杂繁琐，且安全性较低的问题；由于直接调用支付应用，用户直接输入支付校验信息即可完成支付流程，无需用户手动输入用户帐号和登录密码以登录至网页版支付工具，达到了简化操作流程，提高支付效率，且提高安全性的技术效果。

Description

支付方法、装置及系统
本申请要求于2015年09月24日提交中国专利局、申请号为201510617815.9、发明名称为“支付方法、装置及系统”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明实施例涉及计算机和互联网技术领域，特别涉及一种支付方法、装置及系统。
背景技术
随着网络购物的兴起，出现了各类大大小小的网络购物平台，这些网络购物平台无疑为网络购物的有序化和规范化提供了可靠保证。
用户通过在终端中下载安装网络购物平台提供的购物平台应用，即可进行选择商家、订购物品和在线支付等一系列的购物流程。目前而言，商家通过如下两种方式接入购物平台应用：一种是以开放接口的形式接入购物平台应用，另一种是以网页形式接入购物平台应用。在商家以网页形式接入购物平台应用的情况下，现有的在线支付流程如下：在用户完成物品订购后，购物平台应用调用网页版支付工具，用户在网页版支付工具提供的登录页面中输入用户帐号和对应的登录密码，登录至网页版支付工具，之后用户输入支付密码完成支付流程。
发明内容
为了解决现有技术在商家以网页形式接入购物平台应用的情况下，相关在线支付流程的操作较为复杂繁琐，且网页支付安全性较低的问题，本发明实施例提供了一种支付方法、装置及系统。所述技术方案如下：
第一方面，提供了一种支付方法，应用于包括终端和后台服务器的支付系统中，所述终端运行有平台应用和支付应用，所述方法包括：
所述平台应用通过商家所对应的网页页面获取订单信息，所述商家以网页 形式接入所述平台应用；通过所述网页页面向所述后台服务器发送所述订单信息；
所述后台服务器根据所述订单信息生成预付款订单号；将所述预付款订单号发送给所述网页页面；
所述平台应用从所述网页页面获取所述预付款订单号；调用所述支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程。
第二方面，提供了一种支付方法，所述方法包括：
通过商家所对应的网页页面获取订单信息，所述商家以网页形式接入平台应用；
通过所述网页页面向后台服务器发送所述订单信息；
从所述网页页面获取预付款订单号，所述预付款订单号由所述后台服务器根据所述订单信息生成并发送给所述网页页面；
调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程；其中，所述平台应用和所述支付应用运行于同一终端中。
第三方面，提供了一种支付方法，所述方法包括：
接收商家所对应的网页页面发送的订单信息，所述商家以网页形式接入平台应用；
根据所述订单信息生成预付款订单号；
将所述预付款订单号发送给所述网页页面；其中，所述网页页面用于将所述预付款订单号提供给所述平台应用，以使得所述平台应用调用支付应用，并通过所述支付应用根据所述预付款订单号与后台服务器完成支付流程，所述平台应用和所述支付应用运行于同一终端中。
第四方面，提供了一种支付装置，所述装置包括：
信息获取模块，用于通过商家所对应的网页页面获取订单信息，所述商家以网页形式接入平台应用；
信息发送模块，用于通过所述网页页面向后台服务器发送所述订单信息；
订单号获取模块，用于从所述网页页面获取预付款订单号，所述预付款订单号由所述后台服务器根据所述订单信息生成并发送给所述网页页面；
支付调用模块，用于调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程；其中，所述平台应用和所述支付应用运 行于同一终端中。
第五方面，提供了一种支付装置，所述装置包括：
信息接收模块，用于接收商家所对应的网页页面发送的订单信息，所述商家以网页形式接入平台应用；
订单号生成模块，用于根据所述订单信息生成预付款订单号；
订单号发送模块，用于将所述预付款订单号发送给所述网页页面；其中，所述网页页面用于将所述预付款订单号提供给所述平台应用，以使得所述平台应用调用支付应用，并通过所述支付应用根据所述预付款订单号与后台服务器完成支付流程，所述平台应用和所述支付应用运行于同一终端中。
第六方面，提供了一种支付系统，所述系统包括：终端和后台服务器，所述终端运行有平台应用和支付应用；
所述终端包括如第四方面所述的支付装置；
所述后台服务器包括如第五方面所述的支付装置。
本发明实施例提供的技术方案带来的有益效果包括：
通过商家所对应的网页页面从后台服务器获取预付款订单号，而后平台应用从商家所对应的网页页面获取预付款订单号，并调用支付应用，通过支付应用根据该预付款订单号与后台服务器完成支付流程；解决了现有技术在商家以网页形式接入购物平台应用的情况下，相关在线支付流程的操作较为复杂繁琐，且安全性较低的问题；由于直接调用支付应用，用户直接输入支付校验信息即可完成支付流程，无需用户手动输入用户帐号和对应的登录密码以登录至网页版支付工具，达到了简化操作流程，提高支付效率，且提高安全性的技术效果。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述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他的附图。
图1A是本发明一个实施例提供的实施环境的结构示意图；
图1B是本发明一个实施例提供的后台服务器的结构示意图；
图2是本发明一个实施例提供的支付方法的方法流程图；
图3是本发明另一实施例提供的支付方法的方法流程图；
图4是本发明再一实施例提供的支付方法的方法流程图；
图5A是本发明还一实施例提供的支付方法的方法流程图；
图5B是图5A所示实施例涉及的一种用户界面的示意图；
图6A是本发明一个实施例提供的支付装置的结构方框图；
图6B是本发明另一实施例提供的支付装置的结构方框图；
图7是本发明另一实施例提供的支付装置的结构方框图；
图8是本发明一个实施例提供的支付系统的结构方框图。
具体实施方式
为使本发明的目的、技术方案和优点更加清楚，下面将结合附图对本发明实施方式作进一步地详细描述。
请参考图1A，其示出了本发明一个实施例提供的实施环境的结构示意图。该实施环境包括：终端120和后台服务器140。
终端120可以是诸如手机、平板电脑、电子书阅读器、多媒体播放设备、膝上型便携计算机之类的电子设备。
在本发明实施例中，终端120中运行有平台应用和支付应用。其中，平台应用是指为商家提供接入功能，以使得商家能够为用户提供各类服务的平台级应用程序(英文：Application；缩写：APP)。在本发明实施例中，对平台应用所提供的服务的类型不作限定，包括但不限于购物服务、生活服务、叫车服务，等等。商家是指接入平台应用，在平台应用中向用户提供服务的机构或个人。例如，上述机构可以是商户、厂家、代理商、经销商等。在本发明实施例中，商家以网页形式接入平台应用。也即，在平台应用中，以网页形式展示商家及其提供的服务。用户在商家所对应的网页页面中，可以查看和选购所需的服务。例如，商家所对应的网页页面可以是采用HTML5(Hyper Text Markup Language 5，超文本标记语言第五版)开发的网页页面。
在一个示例中，平台应用为购物平台应用，购物平台应用是指为用户和商家提供在线买卖入口的平台级应用程序。例如，购物平台应用可以是由中国北京京东世纪贸易有限公司出品的京东商城APP、由中国阿里巴巴公司出品的天猫APP、由中国阿里巴巴公司出品的淘宝APP，等等。在此示例中，商家是指接入购物平台应用，在购物平台应用中向用户售卖物品的机构或个人。商家可 以是物品的生产商、代理商或者经销商。在此示例中，商家以网页形式接入购物平台应用。也即，在购物平台应用中，以网页形式展示商家及其售卖的物品。用户在商家所对应的网页页面中，可以查看和选购物品。
在另一示例中，平台应用为生活服务平台应用，生活服务平台应用是指为商家提供接入功能，以使得商家能够为用户提供各类生活服务的平台级应用程序。例如，上述生活服务包括但不限于外卖服务、家政服务、家教服务、艺术培训服务、机票/车票/酒店订购服务、代办服务、房产租售服务，等等。例如，生活服务平台应用可以是由中国北京五八信息技术有限公司出品的58同城APP、由中国山景科创网络技术(北京)有限公司出品的赶集网APP、由中国南京途牛科技有限公司出品的途牛旅游APP，等等。在此示例中，商家是指接入生活服务平台应用，在生活服务平台应用中向用户提供生活服务的机构或个人。商家可以是服务的提供商、代理商或者经销商。在此示例中，商家以网页形式接入生活服务平台应用。也即，在生活服务平台应用中，以网页形式展示商家及其提供的生活服务。用户在商家所对应的网页页面中，可以查看和选购所需的服务。
支付应用是指用于实现在线支付功能的客户端应用程序。例如，支付应用可以是由中国腾讯公司出品的微信支付、由中国阿里巴巴公司出品的支付宝，等等。相较于使用网页进行支付，由于自带安全校验模块，且传输过程不易被劫持，使用具有支付功能的客户端应用程序进行支付更具安全性。
终端120通过通信网络与后台服务器140之间建立通信连接，该通信网络可以是有线网络或者无线网络。
后台服务器140可以是一台服务器，也可以是由若干台服务器组成的服务器集群，或者是一个云计算服务中心。
在一种可能的实施方式中，如图1B所示，后台服务器140为集群架构，后台服务器140包括：商家所对应的商家服务器142和支付应用所对应的支付服务器144。其中，商家服务器142是商家的后台服务器，商家服务器142与商家所对应的网页页面之间建立有HTTP(Hyper Text Transfer Protocol，超文本传输协议)连接，两者通过HTTP连接进行通信。支付服务器144是支付应用的后台服务器，支付服务器144与支付应用之间建立有通信连接。可选地，如图1B所示，后台服务器140还包括：平台应用所对应的平台服务器146。平台服务器146是平台应用的后台服务器，平台服务器146与平台应用之间建 立有通信连接。
请参考图2，其示出了本发明一个实施例提供的支付方法的方法流程图，该支付方法可应用于图1所示实施环境中的终端120中运行的平台应用中。该支付方法可包括如下几个步骤：
步骤202，通过商家所对应的网页页面获取订单信息，商家以网页形式接入平台应用。
步骤204，通过网页页面向后台服务器发送订单信息。
步骤206，从网页页面获取预付款订单号，该预付款订单号由后台服务器根据订单信息生成并发送给网页页面。
步骤208，调用支付应用，通过支付应用根据预付款订单号与后台服务器完成支付流程；其中，平台应用和支付应用运行于同一终端中。
综上所述，本实施例提供的支付方法，通过商家所对应的网页页面从后台服务器获取预付款订单号，而后平台应用从商家所对应的网页页面获取预付款订单号，并调用支付应用，通过支付应用根据该预付款订单号与后台服务器完成支付流程；解决了现有技术在商家以网页形式接入购物平台应用的情况下，相关在线支付流程的操作较为复杂繁琐，且安全性较低的问题；由于直接调用支付应用，用户直接输入支付校验信息即可完成支付流程，无需用户手动输入用户帐号和对应的登录密码以登录至网页版支付工具，达到了简化操作流程，提高支付效率，且提高安全性的技术效果。
请参考图3，其示出了本发明另一实施例提供的支付方法的方法流程图，该支付方法可应用于图1所示实施环境中的后台服务器140中。该支付方法可包括如下几个步骤：
步骤302，接收商家所对应的网页页面发送的订单信息，商家以网页形式接入平台应用。
步骤304，根据订单信息生成预付款订单号。
步骤306，将预付款订单号发送给网页页面；其中，网页页面用于将预付款订单号提供给平台应用，以使得平台应用调用支付应用，并通过支付应用根据预付款订单号与后台服务器完成支付流程，平台应用和支付应用运行于同一终端中。
综上所述，本实施例提供的支付方法，通过后台服务器从商家所对应的网页页面获取订单信息，并据此生成预付款订单号后反馈给商家所对应的网页页面，以便商家所对应的网页页面将上述预付款订单号提供给平台应用，由平台应用调用支付应用，通过支付应用根据该预付款订单号与后台服务器完成支付流程；解决了现有技术在商家以网页形式接入购物平台应用的情况下，相关在线支付流程的操作较为复杂繁琐，且安全性较低的问题；由于直接调用支付应用，用户直接输入支付校验信息即可完成支付流程，无需用户手动输入用户帐号和对应的登录密码以登录至网页版支付工具，达到了简化操作流程，提高支付效率，且提高安全性的技术效果。
请参考图4，其示出了本发明再一实施例提供的支付方法的方法流程图，该支付方法可应用于图1所示实施环境中。该支付方法可包括如下几个步骤：
步骤402，平台应用通过商家所对应的网页页面获取订单信息，商家以网页形式接入平台应用。
步骤404，平台应用通过网页页面向后台服务器发送订单信息。
相应地，后台服务器接收网页页面发送的订单信息。
步骤406，后台服务器根据订单信息生成预付款订单号。
步骤408，后台服务器将预付款订单号发送给网页页面。
相应地，网页页面接收后台服务器发送的预付款订单号。
步骤410，平台应用从网页页面获取预付款订单号。
步骤412，平台应用调用支付应用，通过支付应用根据预付款订单号与后台服务器完成支付流程。
综上所述，本实施例提供的支付方法，通过商家所对应的网页页面从后台服务器获取预付款订单号，而后平台应用从商家所对应的网页页面获取预付款订单号，并调用支付应用，通过支付应用根据该预付款订单号与后台服务器完成支付流程；解决了现有技术在商家以网页形式接入购物平台应用的情况下，相关在线支付流程的操作较为复杂繁琐，且安全性较低的问题；由于直接调用支付应用，用户直接输入支付校验信息即可完成支付流程，无需用户手动输入用户帐号和对应的登录密码以登录至网页版支付工具，达到了简化操作流程，提高支付效率，且提高安全性的技术效果。
请参考图5A，其示出了本发明还一实施例提供的支付方法的方法流程图，本实施例以该支付方法应用于图1所示实施环境进行举例说明。该支付方法可包括如下几个步骤：
步骤501，平台应用通过商家所对应的网页页面获取订单信息。
其中，商家以网页形式接入平台应用。商家所对应的网页页面用于展示商家所售卖的物品的相关信息，例如物品名称、种类、单价、介绍、预览图片和评价等相关信息。用户可在商家所对应的网页页面中查看、选择和购买所需的物品。相应地，商家所对应的网页页面获取订单信息。订单信息用于指示用户所订购的物品和所需支付的总价。例如，订单信息可包括物品名称、数量和单价。
在本发明实施例中，对商家所售卖的物品的类型不作限定。商家所售卖的物品可以是实体物品，如食物、服饰、家电、家具、图书等；商家所售卖的物品也可以是虚拟物品，如游戏币、话费、会员等，又如家政、家教、代办等服务。
步骤502，平台应用通过商家所对应的网页页面向商家服务器发送订单信息。
商家所对应的网页页面与其对应的商家服务器之间建立有HTTP连接，商家所对应的网页页面通过该HTTP连接将订单信息发送给商家服务器。
相应地，商家服务器接收商家所对应的网页页面发送的订单信息。
步骤503，商家服务器向支付服务器发送订单生成请求。
其中，订单生成请求至少包括订单信息。订单生成请求用于请求支付服务器建立预付款订单并生成相应的预付款订单号。
可选地，订单生成请求还包括商家所对应的商家标识。其中，商家标识用于唯一标识商家，不同的商家对应于不同的商家标识。
相应地，支付服务器接收商家服务器发送的订单生成请求。
步骤504，支付服务器根据订单生成请求生成预付款订单号。
其中，预付款订单号用于唯一标识预付款订单，不同的预付款订单对应于不同的预付款订单号。支付服务器可按照预设规则生成预付款订单号。例如，支付服务器根据当前时间和商家所对应的商家标识生成预付款订单号。
可选地，在订单生成请求还包括商家标识的情况下，支付服务器根据商家标识检测商家是否为注册商家，并在检测出商家为注册商家的情况下，支付服 务器生成预付款订单号。否则，在检测出商家为非注册商家的情况下，支付服务器向商家服务器返回用于指示订单生成失败的响应。
在一种可能的实施方式中，支付服务器根据商家标识检测商家是否为注册商家的流程如下：支付服务器检测注册商家标识集中是否存在上述商家所对应的商家标识；若存在，则确认该商家为注册商家；若不存在，则确认该商家为非注册商家。其中，注册商家标识集中包含所有已在支付服务器中成功注册的商家各自对应的商家标识。
步骤505，支付服务器存储预付款订单号与订单信息之间的对应关系。
步骤506，支付服务器向商家服务器发送预付款订单号。
相应地，商家服务器接收支付服务器发送的预付款订单号。
上述步骤506可以在步骤505之前进行，也可以在步骤505之后进行，或者与步骤505同时进行。在本实施例中，仅以步骤506在步骤505之后进行为例，但对此不构成限定。
步骤507，商家服务器向商家所对应的网页页面发送预付款订单号。
商家服务器获取支付服务器反馈的预付款订单号之后，通过与商家所对应的网页页面之间建立的HTTP连接，将预付款订单号转发给商家所对应的网页页面。
相应地，商家所对应的网页页面接收商家服务器发送的预付款订单号。
步骤508，平台应用从商家所对应的网页页面获取预付款订单号。
商家所对应的网页页面获取到预付款订单号之后，将该预付款订单号提供给平台应用。
在一种可能的实施方式中，平台应用向商家所对应的网页页面提供预定接口，该预定接口可以是Java Script接口，平台应用通过该预定接口从商家所对应的网页页面获取预付款订单号。具体来讲，商家所对应的网页页面在获取到预付款订单号之后，调用预定接口，通过该预定接口将预付款订单号提供给平台应用。
步骤509，平台应用从商家所对应的网页页面获取商家验证信息。
其中，商家验证信息包括商家所对应的商家标识和/或订单信息。商家验证信息用于供平台应用对商家进行合法性校验。可选地，平台应用通过上述预定接口从商家所对应的网页页面获取商家验证信息。
商家所对应的网页页面可将预付款订单号和商家验证信息一并提供给平 台应用，也可依次先后提供给平台应用。也即，上述步骤509可以在步骤508之前进行，也可以在步骤508之后进行，或者与步骤508同时进行。在通常情况下，步骤509和步骤508同时进行，也即商家所对应的网页页面将预付款订单号和商家验证信息一并提供给平台应用。
步骤510，平台应用对商家验证信息进行验证。
平台应用根据商家验证信息验证商家是否合规。在商家验证信息包括商家所对应的商家标识的情况下，平台应用根据商家标识检测商家是否为注册商家。该验证过程与上述步骤504中介绍的支付服务器对商家的验证过程相类似，具体参见上文介绍和说明，此处不再赘述。
在商家验证信息包括订单信息的情况下，平台应用根据订单信息检测物品和单价是否合规。在上文已经介绍，订单信息用于指示用户所订购的物品和所需支付的总价。例如，订单信息可包括物品名称、数量和单价。平台应用结合商家先前预留的物品名称和对应的单价，检测物品和单价是否被篡改，若检测出物品或单价被篡改，则确认不合规。
此外，平台应用可在本地对商家进行合法性校验，也可在云端对商家进行合法性校验。在云端对商家进行合法性校验的情况下，平台应用将商家验证信息发送给平台应用所对应的平台服务器，平台服务器根据商家验证信息验证商家是否合规，并将验证结果反馈给平台应用。
步骤511，若商家通过验证，则平台应用调用支付应用所提供的支付接口，通过支付接口将预付款订单号提供给支付应用。
其中，支付应用是指用于实现在线支付功能的客户端应用程序，而非网页版支付工具。支付应用与平台应用运行于同一终端中。支付应用向平台应用提供有支付接口，以供平台应用调用。
可选地，平台应用还将其注册标识提供给支付应用。
此外，若商家未通过验证，则结束流程，此次交易失败。平台应用也可向商家服务器反馈用于指示合法性校验未通过的响应，以便商家了解交易失败的原因。
之后，支付应用根据该预付款订单号与支付服务器完成支付流程。具体包括如下步骤512至步骤516。
步骤512，支付应用向支付服务器发送预付款订单号。
相应地，支付服务器接收支付应用发送的预付款订单号。
可选地，支付应用将平台应用的注册标识与预付款订单号一并发送给支付服务器。
步骤513，支付服务器根据预存的预付款订单号与订单信息之间的对应关系，获取与预付款订单号对应的订单信息。
步骤514，支付服务器向支付应用发送订单信息。
相应地，支付应用接收支付服务器发送的订单信息。
可选地，支付服务器根据平台应用的注册标识，验证该平台应用是否已成功注册，并在验证结果为已成功注册的情况下，将订单信息发送给支付应用。
步骤515，支付应用根据订单信息生成并显示支付页面。
其中，支付页面中至少包括支付金额以及用于供用户输入支付校验信息的操作控件。可选地，支付页面中还包括收款方、订单信息等信息。
步骤516，支付应用在获取到对应于支付页面输入的支付校验信息后，完成支付流程。
具体来讲，支付应用在获取到对应于支付页面输入的支付校验信息后，验证该支付校验信息是否正确，并在验证结果为正确的情况下，执行收款流程。其中，支付校验信息是指在支付应用中预先设定的用于确认支付的校验信息。在本发明实施例中，对支付校验信息的实现形式不作限定，包括但不限于数字密码、图形密码、指纹、声纹、人脸，等等。
此外，在完成支付流程之后，支付服务器向商家服务器发送支付完成指示，该支付完成指示中包括预付款订单号；其中，支付完成指示用于通知商家用户已成功支付。相应地，商家便可根据预付款订单号安排发货等流程。另外，支付服务器会定期将收取的款项转账给商家。
在一个例子中，结合参考图5B，商家以网页形式接入平台应用，用户在商家提供的网页页面51中选择需要购买的物品，并在完成选择后点击“立即订购”按钮52。平台应用显示支付方式选择页面53，用户在支付方式选择页面53中选择名称为“X信支付”的支付应用，并点击“确认支付”按钮54。之后，平台应用调用名称为“X信支付”的支付应用，该支付应用显示支付页面55，用户在支付页面55点击“立即支付”按钮56后，该支付应用显示供用户输入支付校验信息的悬浮窗57和输入键盘58，用户输入支付校验信息(如6位数字密码)后完成支付。
综上所述，本实施例提供的支付方法，通过商家所对应的网页页面从后台 服务器获取预付款订单号，而后平台应用从商家所对应的网页页面获取预付款订单号，并调用支付应用，通过支付应用根据该预付款订单号与后台服务器完成支付流程；解决了现有技术在商家以网页形式接入购物平台应用的情况下，相关在线支付流程的操作较为复杂繁琐，且安全性较低的问题；由于直接调用支付应用，用户直接输入支付校验信息即可完成支付流程，无需用户手动输入用户帐号和对应的登录密码以登录至网页版支付工具，达到了简化操作流程，提高支付效率，且提高安全性的技术效果。
另外，本实施例提供的支付方法，还通过支付服务器对商家进行注册验证，通过平台应用对商家进行合法性验证，以及通过支付应用对平台应用进行注册验证，充分保证了支付安全性。
此外，通过本发明实施例提供的支付方案，平台应用仅需向商家提供页面展示入口，预付款订单的生成、收款和发货等流程均无需平台应用参与，极大地减少了平台应用的开发和维护成本。
请参考图6A，其示出了本发明一个实施例提供的支付装置的结构方框图。该支付装置具有实现上述终端侧的方法示例的功能，所述功能可以通过硬件实现，也可以通过硬件执行相应的软件实现。该支付装置可以包括：信息获取模块610、信息发送模块620、订单号获取模块630和支付调用模块640。
信息获取模块610，用于通过商家所对应的网页页面获取订单信息，所述商家以网页形式接入平台应用。
信息发送模块620，用于通过所述网页页面向后台服务器发送所述订单信息。
订单号获取模块630，用于从所述网页页面获取预付款订单号，所述预付款订单号由所述后台服务器根据所述订单信息生成并发送给所述网页页面。
支付调用模块640，用于调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程。其中，所述平台应用和所述支付应用运行于同一终端中。
综上所述，本实施例提供的支付装置，通过商家所对应的网页页面从后台服务器获取预付款订单号，而后平台应用从商家所对应的网页页面获取预付款订单号，并调用支付应用，通过支付应用根据该预付款订单号与后台服务器完成支付流程；解决了现有技术在商家以网页形式接入购物平台应用的情况下， 相关在线支付流程的操作较为复杂繁琐，且安全性较低的问题；由于直接调用支付应用，用户直接输入支付校验信息即可完成支付流程，无需用户手动输入用户帐号和对应的登录密码以登录至网页版支付工具，达到了简化操作流程，提高支付效率，且提高安全性的技术效果。
在基于图6A所示实施例提供的一个可选实施例中，所述支付调用模块640，具体用于：
调用所述支付应用所提供的支付接口，通过所述支付接口将所述预付款订单号提供给所述支付应用；
其中，所述支付应用用于根据所述预付款订单号从所述后台服务器获取所述订单信息；根据所述订单信息生成并显示支付页面；在获取到对应于所述支付页面输入的支付校验信息后，完成所述支付流程。
在基于图6A所示实施例提供的另一可选实施例中，如图6B所示，所述装置还包括：验证获取模块650和商家验证模块660。
验证获取模块650，用于从所述网页页面获取商家验证信息，所述商家验证信息包括所述商家所对应的商家标识和/或所述订单信息。
商家验证模块660，用于对所述商家验证信息进行验证。
所述支付调用模块640，还用于在通过所述验证的情况下，执行所述调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程的步骤。
在基于图6A所示实施例提供的另一可选实施例中，所述后台服务器集群，包括：所述商家所对应的商家服务器和所述支付应用所对应的支付服务器。
所述信息发送模块620，具体用于：通过所述网页页面向所述商家服务器发送所述订单信息，以使得所述商家服务器向所述支付服务器发送订单生成请求，所述订单生成请求至少包括所述订单信息；所述支付服务器用于根据所述订单生成请求生成所述预付款订单号并发送给所述商家服务器。
请参考图7，其示出了本发明另一实施例提供的支付装置的结构方框图。该支付装置具有实现上述后台服务器侧的方法示例的功能，所述功能可以通过硬件实现，也可以通过硬件执行相应的软件实现。该支付装置可以包括：信息接收模块710、订单号生成模块720和订单号发送模块730。
信息接收模块710，用于接收商家所对应的网页页面发送的订单信息，所 述商家以网页形式接入平台应用。
订单号生成模块720，用于根据所述订单信息生成预付款订单号。
订单号发送模块730，用于将所述预付款订单号发送给所述网页页面。其中，所述网页页面用于将所述预付款订单号提供给所述平台应用，以使得所述平台应用调用支付应用，并通过所述支付应用根据所述预付款订单号与后台服务器完成支付流程。所述平台应用和所述支付应用运行于同一终端中。
综上所述，本实施例提供的支付装置，通过后台服务器从商家所对应的网页页面获取订单信息，并据此生成预付款订单号后反馈给商家所对应的网页页面，以便商家所对应的网页页面将上述预付款订单号提供给平台应用，由平台应用调用支付应用，通过支付应用根据该预付款订单号与后台服务器完成支付流程；解决了现有技术在商家以网页形式接入购物平台应用的情况下，相关在线支付流程的操作较为复杂繁琐，且安全性较低的问题；由于直接调用支付应用，用户直接输入支付校验信息即可完成支付流程，无需用户手动输入用户帐号和对应的登录密码以登录至网页版支付工具，达到了简化操作流程，提高支付效率，且提高安全性的技术效果。
在基于图7所示实施例提供的另一可选实施例中，所述订单号生成模块720，具体用于：
通过所述商家所对应的商家服务器接收到所述网页页面发送的所述订单信息之后，向所述支付服务器发送订单生成请求，所述订单生成请求至少包括所述订单信息；
通过所述支付应用所对应的支付服务器根据所述订单生成请求生成所述预付款订单号，并存储所述预付款订单号与所述订单信息之间的对应关系；向所述商家服务器发送所述预付款订单号，通过所述商家服务器将所述预付款订单号发送给所述网页页面。
在基于图7所示实施例提供的另一可选实施例中，所述订单生成请求还包括所述商家所对应的商家标识；
所述通过所述支付应用所对应的支付服务器根据所述订单生成请求生成所述预付款订单号，包括：
通过所述支付服务器根据所述商家标识检测所述商家是否为注册商家；
在所述商家为所述注册商家的情况下，通过所述支付服务器生成所述预付款订单号。
请参考图8，其示出了本发明一个实施例提供的支付系统的结构方框图。该支付系统包括：终端820和后台服务器840，终端820运行有平台应用和支付应用。
终端820包括如上述图6A所示实施例或者基于图6A所示实施例提供的任一可选实施例所提供的支付装置。
后台服务器840包括如上述图7所示实施例或者基于图7所示实施例提供的任一可选实施例所提供的支付装置。
需要说明的是：上述实施例提供的支付装置和系统，仅以上述各功能模块的划分进行举例说明，实际应用中，可以根据需要而将上述功能分配由不同的功能模块完成，即将设备的内部结构划分成不同的功能模块，以完成以上描述的全部或者部分功能。
在示例性实施例中，还提供了一种包括指令的非临时性计算机可读存储介质，例如包括指令的存储器，上述指令可由终端的处理器执行以完成上述方法实施例中终端侧的各个步骤，或者上述指令由服务器的处理器执行以完成上述方法实施例中后台服务器集群侧的各个步骤。例如，所述非临时性计算机可读存储介质可以是ROM、随机存取存储器(RAM)、CD-ROM、磁带、软盘和光数据存储设备等。
应当理解的是，在本文中提及的“多个”是指两个或两个以上。“和/或”，描述关联对象的关联关系，表示可以存在三种关系，例如，A和/或B，可以表示：单独存在A，同时存在A和B，单独存在B这三种情况。字符“/”一般表示前后关联对象是一种“或”的关系。
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。
本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，上述提到的存储介质可以是只读存储器，磁盘或光盘等。
以上所述仅为本发明的较佳实施例，并不用以限制本发明，凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (20)

  1. 一种支付方法，其特征在于，应用于包括终端和后台服务器的支付系统中，所述终端运行有平台应用和支付应用，所述方法包括：
    所述平台应用通过商家所对应的网页页面获取订单信息，所述商家以网页形式接入所述平台应用；通过所述网页页面向所述后台服务器发送所述订单信息；
    所述后台服务器根据所述订单信息生成预付款订单号；将所述预付款订单号发送给所述网页页面；
    所述平台应用从所述网页页面获取所述预付款订单号；调用所述支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程。
  2. 根据权利要求1所述的方法，其特征在于，所述平台应用调用所述支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程，包括：
    所述平台应用调用所述支付应用所提供的支付接口；
    所述平台应用通过所述支付接口将所述预付款订单号提供给所述支付应用；
    其中，所述支付应用用于根据所述预付款订单号从所述后台服务器获取所述订单信息；根据所述订单信息生成并显示支付页面；在获取到对应于所述支付页面输入的支付校验信息后，完成所述支付流程。
  3. 根据权利要求1所述的方法，其特征在于，所述平台应用调用所述支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程之前，还包括：
    所述平台应用从所述网页页面获取商家验证信息，所述商家验证信息包括所述商家所对应的商家标识和/或所述订单信息；
    所述平台应用对所述商家验证信息进行验证；
    若通过所述验证，则所述平台应用执行所述调用所述支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程的步骤。
  4. 根据权利要求1至3任一所述的方法，其特征在于，所述后台服务器，包括：所述商家所对应的商家服务器和所述支付应用所对应的支付服务器；
    所述商家服务器从所述网页页面接收到所述订单信息之后，向所述支付服务器发送订单生成请求，所述订单生成请求至少包括所述订单信息；
    所述支付服务器根据所述订单生成请求生成所述预付款订单号，并存储所述预付款订单号与所述订单信息之间的对应关系；向所述商家服务器发送所述预付款订单号；
    所述商家服务器将所述预付款订单号发送给所述网页页面。
  5. 根据权利要求4所述的方法，其特征在于，所述订单生成请求还包括所述商家所对应的商家标识；
    所述支付服务器根据所述订单生成请求生成所述预付款订单号，包括：
    所述支付服务器根据所述商家标识检测所述商家是否为注册商家；
    若所述商家为所述注册商家，则所述支付服务器生成所述预付款订单号。
  6. 一种支付方法，其特征在于，所述方法包括：
    通过商家所对应的网页页面获取订单信息，所述商家以网页形式接入平台应用；
    通过所述网页页面向后台服务器发送所述订单信息；
    从所述网页页面获取预付款订单号，所述预付款订单号由所述后台服务器根据所述订单信息生成并发送给所述网页页面；
    调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程；其中，所述平台应用和所述支付应用运行于同一终端中。
  7. 根据权利要求6所述的方法，其特征在于，所述调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程，包括：
    调用所述支付应用所提供的支付接口，通过所述支付接口将所述预付款订单号提供给所述支付应用；
    其中，所述支付应用用于根据所述预付款订单号从所述后台服务器获取所述订单信息；根据所述订单信息生成并显示支付页面；在获取到对应于所述支付页面输入的支付校验信息后，完成所述支付流程。
  8. 根据权利要求6所述的方法，其特征在于，所述调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程之前，还包括：
    从所述网页页面获取商家验证信息，所述商家验证信息包括所述商家所对应的商家标识和/或所述订单信息；
    对所述商家验证信息进行验证；
    若通过所述验证，则执行所述调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程的步骤。
  9. 根据权利要求6至8任一所述的方法，其特征在于，所述后台服务器，包括：所述商家所对应的商家服务器和所述支付应用所对应的支付服务器；
    所述通过所述网页页面向后台服务器发送所述订单信息，包括：
    通过所述网页页面向所述商家服务器发送所述订单信息，以使得所述商家服务器向所述支付服务器发送订单生成请求，所述订单生成请求至少包括所述订单信息；所述支付服务器用于根据所述订单生成请求生成所述预付款订单号并发送给所述商家服务器。
  10. 一种支付方法，其特征在于，所述方法包括：
    接收商家所对应的网页页面发送的订单信息，所述商家以网页形式接入平台应用；
    根据所述订单信息生成预付款订单号；
    将所述预付款订单号发送给所述网页页面；其中，所述网页页面用于将所述预付款订单号提供给所述平台应用，以使得所述平台应用调用支付应用，并通过所述支付应用根据所述预付款订单号与后台服务器完成支付流程，所述平台应用和所述支付应用运行于同一终端中。
  11. 根据权利要求10所述的方法，其特征在于，所述后台服务器，包括：所述商家所对应的商家服务器和所述支付应用所对应的支付服务器；
    所述根据所述订单信息生成预付款订单号，包括：
    所述商家服务器接收到所述网页页面发送的所述订单信息之后，向所述支 付服务器发送订单生成请求，所述订单生成请求至少包括所述订单信息；
    所述支付服务器根据所述订单生成请求生成所述预付款订单号，并存储所述预付款订单号与所述订单信息之间的对应关系；向所述商家服务器发送所述预付款订单号，通过所述商家服务器将所述预付款订单号发送给所述网页页面。
  12. 根据权利要求11所述的方法，其特征在于，所述订单生成请求还包括所述商家所对应的商家标识；
    所述支付服务器根据所述订单生成请求生成所述预付款订单号，包括：
    所述支付服务器根据所述商家标识检测所述商家是否为注册商家；
    若所述商家为所述注册商家，则所述支付服务器生成所述预付款订单号。
  13. 一种支付装置，其特征在于，所述装置包括：
    信息获取模块，用于通过商家所对应的网页页面获取订单信息，所述商家以网页形式接入平台应用；
    信息发送模块，用于通过所述网页页面向后台服务器发送所述订单信息；
    订单号获取模块，用于从所述网页页面获取预付款订单号，所述预付款订单号由所述后台服务器根据所述订单信息生成并发送给所述网页页面；
    支付调用模块，用于调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程；其中，所述平台应用和所述支付应用运行于同一终端中。
  14. 根据权利要求13所述的装置，其特征在于，所述支付调用模块，具体用于：
    调用所述支付应用所提供的支付接口，通过所述支付接口将所述预付款订单号提供给所述支付应用；
    其中，所述支付应用用于根据所述预付款订单号从所述后台服务器获取所述订单信息；根据所述订单信息生成并显示支付页面；在获取到对应于所述支付页面输入的支付校验信息后，完成所述支付流程。
  15. 根据权利要求13所述的装置，其特征在于，所述装置还包括：
    验证获取模块，用于从所述网页页面获取商家验证信息，所述商家验证信 息包括所述商家所对应的商家标识和/或所述订单信息；
    商家验证模块，用于对所述商家验证信息进行验证；
    所述支付调用模块，还用于在通过所述验证的情况下，执行所述调用支付应用，通过所述支付应用根据所述预付款订单号与所述后台服务器完成支付流程的步骤。
  16. 根据权利要求13至15任一所述的装置，其特征在于，所述后台服务器，包括：所述商家所对应的商家服务器和所述支付应用所对应的支付服务器；
    所述信息发送模块，具体用于：
    通过所述网页页面向所述商家服务器发送所述订单信息，以使得所述商家服务器向所述支付服务器发送订单生成请求，所述订单生成请求至少包括所述订单信息；所述支付服务器用于根据所述订单生成请求生成所述预付款订单号并发送给所述商家服务器。
  17. 一种支付装置，其特征在于，所述装置包括：
    信息接收模块，用于接收商家所对应的网页页面发送的订单信息，所述商家以网页形式接入平台应用；
    订单号生成模块，用于根据所述订单信息生成预付款订单号；
    订单号发送模块，用于将所述预付款订单号发送给所述网页页面；其中，所述网页页面用于将所述预付款订单号提供给所述平台应用，以使得所述平台应用调用支付应用，并通过所述支付应用根据所述预付款订单号与后台服务器完成支付流程，所述平台应用和所述支付应用运行于同一终端中。
  18. 根据权利要求17所述的装置，其特征在于，所述订单号生成模块，具体用于：
    通过所述商家所对应的商家服务器接收到所述网页页面发送的所述订单信息之后，向所述支付服务器发送订单生成请求，所述订单生成请求至少包括所述订单信息；
    通过所述支付应用所对应的支付服务器根据所述订单生成请求生成所述预付款订单号，并存储所述预付款订单号与所述订单信息之间的对应关系；向所述商家服务器发送所述预付款订单号，通过所述商家服务器将所述预付款订单 号发送给所述网页页面。
  19. 根据权利要求18所述的装置，其特征在于，所述订单生成请求还包括所述商家所对应的商家标识；
    所述通过所述支付应用所对应的支付服务器根据所述订单生成请求生成所述预付款订单号，包括：
    通过所述支付服务器根据所述商家标识检测所述商家是否为注册商家；
    在所述商家为所述注册商家的情况下，通过所述支付服务器生成所述预付款订单号。
  20. 一种支付系统，其特征在于，所述系统包括：终端和后台服务器，所述终端运行有平台应用和支付应用；
    所述终端包括如权利要求13至16任一项所述的支付装置；
    所述后台服务器包括如权利要求17至19任一项所述的支付装置。
PCT/CN2016/096018 2015-09-24 2016-08-19 支付方法、装置及系统 Ceased WO2017050069A1 (zh)

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