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1. WO2020134654 - ELECTRONIC PAYMENT METHOD, APPARATUS AND SYSTEM AND STORAGE MEDIUM

Publication Number WO/2020/134654
Publication Date 02.07.2020
International Application No. PCT/CN2019/117272
International Filing Date 11.11.2019
IPC
G06Q 20/08 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
CPC
G06Q 20/08
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/38
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 20/40
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
Applicants
  • 中国银联股份有限公司 CHINA UNIONPAY CO., LTD. [CN]/[CN]
Inventors
  • 徐志忠 XU, Zhizhong
  • 周洋 ZHOU, Yang
  • 程志强 CHENG, Zhiqiang
  • 陈洁 CHEN, Jie
  • 王鹏飞 WANG, Pengfei
  • 王玉龙 WANG, Yulong
  • 王嘉琪 WANG, Jiaqi
  • 陈辉煌 CHEN, Huihuang
Agents
  • 北京同达信恒知识产权代理有限公司 TDIP & PARTNERS
Priority Data
201811628979.128.12.2018CN
Publication Language Chinese (ZH)
Filing Language Chinese (ZH)
Designated States
Title
(EN) ELECTRONIC PAYMENT METHOD, APPARATUS AND SYSTEM AND STORAGE MEDIUM
(FR) PROCÉDÉ, APPAREIL ET SYSTÈME DE PAIEMENT ÉLECTRONIQUE ET SUPPORT DE STOCKAGE
(ZH) 一种电子支付方法、装置、系统和存储介质
Abstract
(EN)
An electronic payment method, apparatus and system and a storage medium, for use in reducing the resource overhead of the terminal device of a payment acceptance client while improving the security of electronic payment. The electronic payment system comprises: a payment acceptance system, used for sending an electronic payment acceptance request message to a transfer platform, the electronic payment acceptance request message carrying a payment institution logo, and sending the electronic payment processing message to a payment processing system according to the redirection address returned by the transfer platform, the electronic payment processing message carrying payment reference information; the transfer platform, used for, after receiving the electronic payment acceptance request message, searching the correspondence between the stored payment institution logo and the redirection address of the payment processing system for the redirection address corresponding to the payment institution logo, and returning a first response message to the payment acceptance system, the first response message carrying the redirection address; and the payment processing system, used for, after receiving the electronic payment processing message, completing electronic payment according to the payment reference information therein.
(FR)
L'invention concerne un procédé, un appareil et un système de paiement électronique, ainsi qu'un support de stockage, destinés à être utilisés pour réduire le surdébit de ressources du dispositif terminal d'un client d'acceptation de paiement, tout en améliorant la sécurité du paiement électronique. Le système de paiement électronique selon l'invention comprend : un système d'acceptation de paiement, destiné à envoyer un message de demande d'acceptation de paiement électronique à une plateforme de transfert, ledit message contenant un logo d'institution de paiement, et à envoyer le message de traitement de paiement électronique à un système de traitement de paiement en fonction de l'adresse de redirection renvoyée par la plateforme de transfert, le message de traitement de paiement électronique contenant des informations de référence de paiement ; une plate-forme de transfert destinée, après réception du message de demande d'acceptation de paiement électronique, à rechercher la correspondance entre le logo d'institution de paiement stocké et l'adresse de redirection du système de traitement de paiement pour l'adresse de redirection correspondant au logo d'institution de paiement, et à renvoyer un premier message de réponse au système d'acceptation de paiement, ce premier message de réponse contenant l'adresse de redirection ; et un système de traitement de paiement destiné, après réception du message de traitement de paiement électronique, à achever un paiement électronique en fonction des informations de référence de paiement contenues dans le message.
(ZH)
一种电子支付方法、装置、系统和存储介质,用以在提高电子支付安全性的同时,降低支付受理客户端的终端设备的资源开销。所述电子支付系统,包括:支付受理系统,用于向转接平台发送电子支付受理请求报文,其中携带有支付机构标识;以及根据转接平台返回的跳转地址向支付处理系统发送电子支付处理报文,其中携带有支付参考信息;转接平台,用于在接收到所述电子支付受理请求报文后,从存储的支付机构标识与支付处理系统跳转地址之间的对应关系中查找支付机构标识对应的跳转地址;向支付受理系统返回第一应答报文,其中携带有所述跳转地址;支付处理系统,用于在接收到电子支付处理报文之后,根据其中的支付参考信息完成电子支付。
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