CN101303753A - Electronic payment system and method - Google Patents

本发明涉及了一种电子支付系统及方法。电子支付系统包括解密模块、数字签章认证模块、业务信息认证模块和支付模块。电子支付方法包括对接收的支付指令数据包进行解密，获取所述支付指令数据包包括的数字签章和业务信息；认证所述数字签章的合法性，在所述数字签章通过合法性认证时，读取所述数字签章的支付指令信息；根据所述数字签章的支付指令信息认证所述业务信息的有效性，在所述业务信息通过有效性认证时，根据所述业务信息向收款方支付相应金额。本发明实现财政拨款的电子支付，提高了财政拨款支付的效率；同时，在电子支付流程中有效保证了支付的安全性和可靠性，便于对电子支付流程进行有效监控等。

The invention relates to an electronic payment system and method. The electronic payment system includes a decryption module, a digital signature authentication module, a business information authentication module and a payment module. The electronic payment method includes decrypting the received payment instruction data packet, obtaining the digital signature and business information included in the payment instruction data packet; authenticating the legality of the digital signature, and passing the legality authentication of the digital signature , read the payment instruction information of the digital signature; authenticate the validity of the business information according to the payment instruction information of the digital signature; The payee pays the corresponding amount. The invention realizes the electronic payment of financial appropriation, improves the efficiency of financial appropriation payment; at the same time, effectively guarantees the safety and reliability of payment in the electronic payment process, and is convenient for effective monitoring of the electronic payment process.

电子支付系统及方法 Electronic payment system and method

技术领域technical field

本发明涉及信息处理技术领域，特别是涉及一种电子支付系统及方法。The present invention relates to the technical field of information processing, in particular to an electronic payment system and method.

背景技术Background technique

国库集中支付是改变现行的财政资金层层拨付的程序，建立国库单一账户体系，将所有财政性资金都纳入国库单一账户体系管理，由财政国库支付中心通过国库单一账户体系将财政资金直接拨付到收款方。实行财政国库集中支付后，实现了库款“直达”，有效解决了财政资金因拨付“中转”环节过多，容易造成截留、挤占、挪用资金的现象。这对规范财政支出行为，加强财政支出管理与监督，提高资金运行效率和使用效益等方面具有重要的意义。Centralized treasury payment is to change the current procedure of appropriating fiscal funds layer by layer, establish a treasury single account system, and incorporate all fiscal funds into the treasury single account system for management, and the fiscal treasury payment center will directly allocate financial funds to the government through the treasury single account system. Beneficiary. After the implementation of the centralized payment of the treasury, the "direct access" of treasury funds has been realized, which has effectively solved the phenomenon of interception, embezzlement, and misappropriation of funds due to too many "transit" links of financial funds. This is of great significance to standardize fiscal expenditure behavior, strengthen fiscal expenditure management and supervision, and improve fund operation efficiency and use efficiency.

实际工作中，为保证支付信息的准确性与权威性，通常是由财政部门下发加盖印章的纸制文件，借助于传统的人力、物力资源来送达支付机构，支付机构根据纸制文件上的支付指令信息完成财政拨款。发明人在实现本发明过程中，发现该现有技术在财政拨款过程中，由于财政部门下发的支付指令信息通过纸件进行传递，但是纸质文件传递速度慢，并且易被仿冒、篡改等，导致其可靠性、安全性以及支付效率低。此外，由于整个财政拨款主要通过人工作业，因此，现有技术财政拨款支付至少存在依赖纸质传递，支付效率低，支付过程易引入人工差错等缺陷。In actual work, in order to ensure the accuracy and authority of payment information, the financial department usually issues a stamped paper document, which is delivered to the payment institution with the help of traditional human and material resources. Information on the payment instructions to complete the financial allocation. In the process of implementing the present invention, the inventor found that in the process of financial appropriation in the prior art, the payment instruction information issued by the financial department is transmitted through paper, but the transmission speed of paper documents is slow, and it is easy to be counterfeited, tampered with, etc. , resulting in low reliability, security and payment efficiency. In addition, since the entire financial appropriation is mainly done manually, the existing financial appropriation payment at least has defects such as relying on paper transfer, low payment efficiency, and easy introduction of manual errors in the payment process.

发明内容Contents of the invention

本发明要解决的技术问题是提供一种电子支付方法及系统，用以实现财政拨款的电子支付，提高财政拨款的支付效率。The technical problem to be solved by the present invention is to provide an electronic payment method and system for realizing electronic payment of financial appropriation and improving the payment efficiency of financial appropriation.

为解决本发明上述技术问题，本发明一方面通过另一些实施例提供了一种电子支付系统，包括：In order to solve the above-mentioned technical problems of the present invention, the present invention provides an electronic payment system through other embodiments on the one hand, including:

解密模块，用于对接收的支付指令数据包进行解密，获取所述支付指令数据包包括的数字签章和业务信息；A decryption module, configured to decrypt the received payment instruction data packet, and obtain the digital signature and business information included in the payment instruction data packet;

数字签章认证模块，用于认证所述数字签章的合法性，在所述数字签章通过合法性认证时，读取所述数字签章的支付指令信息；A digital signature authentication module, configured to authenticate the legality of the digital signature, and read the payment instruction information of the digital signature when the digital signature passes the legality authentication;

业务信息认证模块，用于根据所述数字签章的支付指令信息认证所述业务信息的有效性；A business information authentication module, configured to authenticate the validity of the business information according to the payment instruction information of the digital signature;

支付模块，用于在所述业务信息通过有效性认证时，根据所述业务信息向收款方支付相应金额。A payment module, configured to pay the payee a corresponding amount according to the business information when the business information passes the validity verification.

在上述技术方案的基础上，电子支付系统还可包括安全信息数据库，用于存储至少以下信息之一：支付指令数据包的解压密码、支付指令数据包的解密算法、合法数字签章密钥、有效的预算单位信息。On the basis of the above technical solution, the electronic payment system may also include a security information database for storing at least one of the following information: the decompression password of the payment instruction data packet, the decryption algorithm of the payment instruction data packet, the legal digital signature key, Valid budget unit information.

解密模块可包括：接收单元，用于接收支付指令数据包；解密单元，用于根据安全信息数据库存储的解压密码或解密算法，对所述接收单元接收的支付指令数据包进行解密，在所述支付指令数据包成功解密时，获取所述支付指令数据包包括的数字签章和业务信息，将所述数字签章和业务信息分别发送给所述数字签章认证模块和业务信息认证模块。The decryption module may include: a receiving unit for receiving payment instruction data packets; a decryption unit for decrypting the payment instruction data packets received by the receiving unit according to the decompression password or decryption algorithm stored in the security information database. When the payment instruction data packet is successfully decrypted, the digital signature and business information included in the payment instruction data packet are obtained, and the digital signature and business information are sent to the digital signature authentication module and the business information authentication module respectively.

数字签章认证模块可包括：签章认证单元，用于根据所述安全信息数据库存储的密钥认证所述数字签章的合法性；读取单元，在所述数字签章通过合法性认证时，读取所述数字签章的支付指令信息，所述支付指令信息包括支付总额和支付令总数。The digital signature authentication module may include: a signature authentication unit, configured to authenticate the validity of the digital signature according to the key stored in the security information database; a reading unit, when the digital signature passes the legality authentication , reading the payment instruction information of the digital signature, where the payment instruction information includes the total amount of payment and the total amount of payment orders.

业务信息认证模块可包括：业务数据认证单元，用于统计所述业务信息中各支付令的支付金额的总额和支付令的数量，在所述业务信息中各支付令的支付金额的总额与所述数字签章中包含的支付总额相符，并且所述业务信息中支付令的数量与所述数字签章中包含的支付令总数相符时，所述业务信息通过所述数字签章的有效性认证；授权支付认证单元，用于在所述支付令包含有在所述业务信息中的支付令包含有预算单位信息时，根据预先存储的有效的预算单位信息，认证支付令包含的预算单位信息的有效性。The business information authentication module may include: a business data authentication unit, which is used to count the total amount of payment of each payment order and the number of payment orders in the business information, and the total amount of payment of each payment order in the business information is related to the total amount of the payment order. When the total amount of payment contained in the digital signature is consistent, and the number of payment orders in the business information is consistent with the total number of payment orders contained in the digital signature, the business information is verified by the validity of the digital signature ; An authorized payment authentication unit, used to authenticate the budget unit information contained in the payment order according to the pre-stored valid budget unit information when the payment order contained in the business information contains the budget unit information effectiveness.

在上述技术方案的基础上，电子支付系统还可包括预警模块，用于在所述电子支付过程出现异常情况时，中断电子支付流程并发送相应的预警消息；所述异常情况包括支付指令数据包接收失败、支付指令数据包解密失败、数字签章合法性认证失败、业务信息有效性认证失败或向收款方支付相应金额失败。On the basis of the above technical solution, the electronic payment system may also include an early warning module, which is used to interrupt the electronic payment process and send a corresponding early warning message when an abnormal situation occurs in the electronic payment process; the abnormal situation includes a payment instruction data packet Failed to receive, failed to decrypt the payment instruction packet, failed to verify the validity of the digital signature, failed to verify the validity of business information, or failed to pay the corresponding amount to the payee.

本发明一方面实施例提供的电子支付系统中，通过解密模块对接收的支付指令数据包进行解密，并通过数字签章认证模块对支付指令数据包包括的数字签章进行合法性认证，以及通过业务信息认证模块对支付指令数据包包括的业务信息进行有效性认证后，由支付模块根据业务信息向收款方支付相应金额，从而实现财政拨款的电子支付，减少财政拨款支付中对纸件的依赖性，明显减少了人工差错，提高了财政拨款支付的效率；同时，在电子支付流程中有效保证了支付的安全性和可靠性，便于对电子支付流程进行有效监控等。In the electronic payment system provided by the embodiment of one aspect of the present invention, the received payment instruction data packet is decrypted by the decryption module, and the legality of the digital signature included in the payment instruction data packet is authenticated by the digital signature authentication module, and by After the business information authentication module verifies the validity of the business information included in the payment instruction data package, the payment module will pay the corresponding amount to the payee according to the business information, so as to realize the electronic payment of financial appropriations and reduce the need for paper documents in the financial appropriation payment. Dependence, which significantly reduces manual errors and improves the efficiency of financial appropriation payment; at the same time, it effectively guarantees the safety and reliability of payment in the electronic payment process, and facilitates effective monitoring of the electronic payment process.

为解决本发明上述技术问题，本发明另一方面通过一些实施例提供了一种电子支付方法，包括：In order to solve the above technical problems of the present invention, another aspect of the present invention provides an electronic payment method through some embodiments, including:

对接收的支付指令数据包进行解密，获取所述支付指令数据包包括的数字签章和业务信息；Decrypt the received payment instruction data packet, and obtain the digital signature and business information included in the payment instruction data packet;

认证所述数字签章的合法性，在所述数字签章通过合法性认证时，读取所述数字签章的支付指令信息；certifying the legality of the digital signature, and reading the payment instruction information of the digital signature when the digital signature passes the legality certification;

根据所述数字签章的支付指令信息认证所述业务信息的有效性，在所述业务信息通过有效性认证时，根据所述业务信息向收款方支付相应金额。Verifying the validity of the business information according to the payment instruction information of the digital signature, and paying a corresponding amount to the payee according to the business information when the business information passes the validity verification.

在上述技术方案的基础上，对支付指令数据包进行解密可包括：根据预先存储的解压密码或解密算法，对所述接收单元接收的支付指令数据包进行解密。认证所述数字签章的合法性可包括：根据预先存储的密钥认证所述数字签章的合法性。所述数字签章的支付指令信息可包括支付总额和支付令总数；所述业务信息包括至少一条支付令，每条支付令包括支付金额和收款方信息；所述根据数字签章的支付指令信息认证所述业务信息的有效性包括：On the basis of the above technical solution, decrypting the payment instruction data packet may include: decrypting the payment instruction data packet received by the receiving unit according to a pre-stored decompression password or decryption algorithm. Authenticating the legitimacy of the digital signature may include: certifying the legitimacy of the digital signature according to a pre-stored key. The payment instruction information of the digital signature may include the total amount of payment and the total number of payment orders; the business information includes at least one payment order, and each payment order includes payment amount and payee information; the payment instruction based on the digital signature The validity of the business information described in the information certification includes:

统计所述业务信息中各支付令的支付金额的总额和支付令的数量，在所述业务信息中各支付令的支付金额的总额与所述数字签章中包含的支付总额相符，并且所述业务信息中支付令的数量与所述数字签章中包含的支付令总数相符时，所述业务信息通过所述数字签章的有效性认证。Counting the total payment amount of each payment order and the number of payment orders in the business information, the total payment amount of each payment order in the business information is consistent with the total payment amount contained in the digital signature, and the When the number of payment orders in the business information matches the total number of payment orders included in the digital signature, the business information passes the validity verification of the digital signature.

在上述技术方案的基础上，业务信息通过所述数字签章的有效性认证之后，还可包括：在所述业务信息中的支付令包含有预算单位信息时，根据预先存储的有效的预算单位信息，认证支付令包含的预算单位信息的有效性。在所述电子支付过程出现异常情况时，中断电子支付流程并发送相应的预警消息；所述异常情况包括支付指令数据包接收失败、支付指令数据包解密失败、数字签章合法性认证失败、业务信息有效性认证失败或向收款方支付相应金额失败。On the basis of the above technical solution, after the business information passes the validity authentication of the digital signature, it may also include: when the payment order in the business information contains budget unit information, according to the pre-stored effective budget unit Information that certifies the validity of the budgetary unit information contained in the payment order. When an abnormal situation occurs in the electronic payment process, the electronic payment process is interrupted and a corresponding early warning message is sent; the abnormal situation includes failure to receive the payment instruction data packet, failure to decrypt the payment instruction data packet, failure to verify the legality of the digital signature, business Failed to verify the validity of the information or failed to pay the corresponding amount to the payee.

在上述技术方案的基础上，在对接收的支付指令数据包进行解密之前，还可包括：加密封装所述支付指令数据包并发送。On the basis of the above technical solution, before decrypting the received payment instruction data packet, it may further include: encrypting and encapsulating the payment instruction data packet and sending it.

本发明另一方面实施例提供的电子支付方法中，通过对接收的支付指令数据包进行解密，并对支付指令数据包包括的数字签章进行合法性认证以及对支付指令数据包包括的业务信息进行有效性认证后，再根据业务信息向收款方支付相应金额，从而实现财政拨款的电子支付，减少财政拨款支付中对纸件的依赖性，明显减少了人工差错，提高了财政拨款支付的效率；同时，在电子支付流程中有效保证了支付的安全性和可靠性，便于对电子支付流程进行有效监控等。In the electronic payment method provided by the embodiment of another aspect of the present invention, by decrypting the received payment instruction data packet, and performing legality authentication on the digital signature included in the payment instruction data packet and the business information included in the payment instruction data packet After the validity certification, the corresponding amount will be paid to the payee according to the business information, so as to realize the electronic payment of financial appropriation, reduce the dependence on paper in the financial appropriation payment, significantly reduce manual errors, and improve the efficiency of financial appropriation payment Efficiency; at the same time, the security and reliability of payment are effectively guaranteed in the electronic payment process, which is convenient for effective monitoring of the electronic payment process.

附图说明 Description of drawings

图1为本发明电子支付系统第一实施例结构示意图；Fig. 1 is a schematic structural diagram of the first embodiment of the electronic payment system of the present invention;

图2为本发明电子支付系统第二实施例结构示意图；Fig. 2 is a schematic structural diagram of the second embodiment of the electronic payment system of the present invention;

图3为本发明电子支付系统第三实施例结构示意图；Fig. 3 is a schematic structural diagram of the third embodiment of the electronic payment system of the present invention;

图4为本发明电子支付系统第四实施例结构示意图；4 is a schematic structural diagram of the fourth embodiment of the electronic payment system of the present invention;

图5为本发明电子支付系统第五实施例结构示意图；Fig. 5 is a schematic structural diagram of the fifth embodiment of the electronic payment system of the present invention;

图6为本发明电子支付系统第六实施例结构示意图；Fig. 6 is a schematic structural diagram of the sixth embodiment of the electronic payment system of the present invention;

图7为本发明电子支付方法第一实施例流程图；Fig. 7 is a flow chart of the first embodiment of the electronic payment method of the present invention;

图8为本发明电子支付方法第二实施例流程图；Fig. 8 is a flow chart of the second embodiment of the electronic payment method of the present invention;

图9为本发明电子支付方法第三实施例流程图；Fig. 9 is a flow chart of the third embodiment of the electronic payment method of the present invention;

图10为本发明电子支付方法第四实施例流程图；Fig. 10 is a flow chart of the fourth embodiment of the electronic payment method of the present invention;

图11为本发明电子支付方法第五实施例流程图；Fig. 11 is a flow chart of the fifth embodiment of the electronic payment method of the present invention;

图12为本发明电子支付方法第六实施例流程图。Fig. 12 is a flow chart of the sixth embodiment of the electronic payment method of the present invention.

具体实施方式 Detailed ways

图1为本发明电子支付系统第一实施例结构示意图。如图1所示，本实施例包括解密模块11、数字签章认证模块12、业务信息认证模块13和支付模块14。Fig. 1 is a schematic structural diagram of the first embodiment of the electronic payment system of the present invention. As shown in FIG. 1 , this embodiment includes a decryption module 11 , a digital signature authentication module 12 , a business information authentication module 13 and a payment module 14 .

解密模块11用于对接收的支付指令数据包进行解密，获取该支付指令数据包包括的数字签章和业务信息。The decryption module 11 is used to decrypt the received payment instruction data packet, and obtain the digital signature and business information included in the payment instruction data packet.

数字签章认证模块12用于认证解密模块11获取的数字签章的合法性，在该数字签章通过合法性认证时，读取该数字签章的支付指令信息。The digital signature verification module 12 is used to verify the legitimacy of the digital signature acquired by the decryption module 11, and read the payment instruction information of the digital signature when the digital signature passes the legality verification.

业务信息认证模块13用于根据数字签章认证模块12读取的数字签章的支付指令信息认证解密模块11获取的业务信息的有效性。The business information authentication module 13 is used for authenticating the validity of the business information acquired by the decryption module 11 according to the payment instruction information of the digital signature read by the digital signature authentication module 12 .

支付模块14用于在解密模块11获取的业务信息通过有效性认证时，根据该业务信息向收款方支付相应金额。The payment module 14 is configured to pay a corresponding amount to the payee according to the business information when the business information acquired by the decryption module 11 passes the validity verification.

本实施例通过解密模块对接收的支付指令数据包进行解密，并通过数字签章认证模块对支付指令数据包包括的数字签章进行合法性认证，以及通过业务信息认证模块对支付指令数据包包括的业务信息进行有效性认证后，由支付模块根据业务信息向收款方支付相应金额，从而实现财政拨款的电子支付，减少财政拨款支付中对纸件的依赖性，明显减少了人工差错，提高了财政拨款支付的效率；同时，在电子支付流程中有效保证了支付的安全性和可靠性，便于对电子支付流程进行有效监控等。In this embodiment, the received payment instruction data packet is decrypted by the decryption module, and the legality of the digital signature included in the payment instruction data packet is verified by the digital signature authentication module, and the payment instruction data packet is included in the payment instruction data packet by the business information authentication module. After verifying the validity of the business information, the payment module will pay the corresponding amount to the payee according to the business information, so as to realize the electronic payment of financial appropriation, reduce the dependence on paper in the financial appropriation payment, significantly reduce manual errors, and improve It improves the efficiency of financial appropriation payment; at the same time, it effectively guarantees the security and reliability of payment in the electronic payment process, and facilitates effective monitoring of the electronic payment process.

图2为本发明电子支付系统第二实施例结构示意图。如图2所示，本实施例与本发明电子支付系统第一实施例的区别在于，本实施例中，还包括安全信息数据库15、预警模块16和支付指令发送模块17；解密模块11包括接收存储单元111和解密单元112；数字签章认证模块12至少包括签章认证单元121和读取单元122；业务信息认证模块13包括业务数据认证单元131和授权支付认证单元132。Fig. 2 is a schematic structural diagram of the second embodiment of the electronic payment system of the present invention. As shown in Figure 2, the difference between this embodiment and the first embodiment of the electronic payment system of the present invention is that in this embodiment, a security information database 15, an early warning module 16 and a payment instruction sending module 17 are also included; the decryption module 11 includes a receiving The storage unit 111 and the decryption unit 112; the digital signature authentication module 12 includes at least a signature authentication unit 121 and a reading unit 122; the business information authentication module 13 includes a business data authentication unit 131 and an authorized payment authentication unit 132.

安全信息数据库15用于存储至少以下信息之一：支付指令数据包的解压密码、支付指令数据包的解密算法、合法数字签章密钥、有效的预算单位信息。The security information database 15 is used to store at least one of the following information: the decompression password of the payment instruction data packet, the decryption algorithm of the payment instruction data packet, the legal digital signature key, and the effective budgetary unit information.

预警模块16用于在电子支付过程出现异常情况时，中断电子支付流程并发送相应的预警消息；其中异常情况包括支付指令数据包接收失败、支付指令数据包解密失败、数字签章合法性认证失败、业务信息有效性认证失败或向收款方支付相应金额失败等。The early warning module 16 is used to interrupt the electronic payment process and send a corresponding early warning message when an abnormal situation occurs in the electronic payment process; wherein the abnormal situation includes a failure to receive the payment instruction data packet, a failure to decrypt the payment instruction data packet, and a failure to verify the legality of the digital signature , Failure to verify the validity of business information or failure to pay the corresponding amount to the payee, etc.

支付指令发送模块17用于加密封装支付指令数据包并发送。在封装支付指令数据包时，支付指令发送模块17设置的密码可与解密模块11解密支付指令数据包解密时采用的密码相同或相应，即：封装支付指令数据包时设置的加密密码与解密该支付指令数据包时所需的解密密码相同，或存在着加密密码与解密密码之间的对应关系。或者，在支付指令发送模块17采用加密算法封装支付指令数据包时，解密模块11可采用相同的算法进行该支付指令数据包的解密处理。该支付指令发送模块下发的指令数据包可包括数字签章和业务信息。业务信息可包括支付令、支付金额、预算单位信息、收款人等信息。The payment instruction sending module 17 is used for encrypting and encapsulating the payment instruction data packet and sending it. When encapsulating the payment instruction data packet, the password that the payment instruction sending module 17 sets can be the same as or corresponding to the password that the decryption module 11 decrypts when the payment instruction data packet is decrypted. The decryption passwords required for the payment instruction data packet are the same, or there is a corresponding relationship between the encryption password and the decryption password. Alternatively, when the payment instruction sending module 17 uses an encryption algorithm to encapsulate the payment instruction data packet, the decryption module 11 can use the same algorithm to decrypt the payment instruction data packet. The instruction data package issued by the payment instruction sending module may include digital signature and business information. Business information may include payment order, payment amount, budget unit information, payee and other information.

解密模块11中：In decryption module 11:

接收存储单元111用于接收并存储支付指令发送模块17发送的支付指令数据包，将接收到的支付指令数据包发送给解密单元112。The receiving storage unit 111 is configured to receive and store the payment instruction data packet sent by the payment instruction sending module 17 , and send the received payment instruction data packet to the decryption unit 112 .

解密单元112用于根据安全信息数据库15存储的解压密码或解密算法，对接收存储单元111接收的支付指令数据包进行解密，在支付指令数据包成功解密时，获取所述支付指令数据包包括的数字签章和业务信息，将该数字签章和业务信息分别发送给所述数字签章认证模块和业务信息认证模块。如果支付指令数据包成功解密时，获取该支付指令数据包包括的数字签章和业务信息，将该数字签章发送给数字签章认证模块12，并将业务信息发送给业务信息认证模块13；如果支付指令数据包解密不成功，解密单元112向预警模块16发送解密不成功的消息，预警模块16接收到接收存储单元111发送的解密不成功的消息时，中止电子支付流程并发送密码信息不正确的预警信息，例如：预警模块16接收到接收存储单元111发送的解密不成功的消息时，禁止解密单元112向数字签章认证模块12发送支付指令数据包的相应信息，并以邮件、短信、传真等方式将密码不正确的预警信息发送到预设的相关地址或号码对应的终端上。The decryption unit 112 is used to decrypt the payment instruction data packet received by the receiving storage unit 111 according to the decompression password or decryption algorithm stored in the security information database 15, and obtain the payment instruction data packet included in the payment instruction data packet when the payment instruction data packet is successfully decrypted. The digital signature and business information are sent to the digital signature authentication module and the business information authentication module respectively. If the payment instruction packet is successfully decrypted, obtain the digital signature and business information included in the payment instruction packet, send the digital signature to the digital signature authentication module 12, and send the business information to the business information authentication module 13; If the decryption of the payment instruction data packet is unsuccessful, the decryption unit 112 sends a message that the decryption is unsuccessful to the early warning module 16. Correct early warning information, for example: when the early warning module 16 receives the decryption unsuccessful message that the receiving storage unit 111 sends, prohibit the decryption unit 112 from sending the corresponding information of the payment instruction data packet to the digital signature authentication module 12, and send the corresponding information of the payment instruction packet by mail, short message , fax, etc. to send the warning information of incorrect password to the terminal corresponding to the preset relevant address or number.

数字签章认证模块12中：In digital signature authentication module 12:

签章认证单元121用于根据安全信息数据库15存储的密钥认证解密单元112获取的数字签章的合法性。The signature authentication unit 121 is used for authenticating the digital signature obtained by the decryption unit 112 according to the key stored in the security information database 15 .

读取单元122在签章认证单元121通过数字签章的合法性认证时，读取该数字签章的支付指令信息，将读取的支付指令信息发送给业务数据认证单元131。该支付指令信息可包括支付总额和支付令总数。The reading unit 122 reads the payment instruction information of the digital signature when the signature authentication unit 121 passes the legality authentication of the digital signature, and sends the read payment instruction information to the business data authentication unit 131 . The payment instruction information may include the total amount of payment and the total amount of payment orders.

业务信息认证模块13中：In the business information authentication module 13:

业务数据认证单元131用于统计业务信息中各支付令的支付金额的总额和支付令的数量，在解密单元112获取的业务信息中各支付令的支付金额的总额与读取单元122读取的数字签章中包含的支付总额相符，并且该业务信息中支付令的数量与该数字签章中包含的支付令总数相符时，业务信息通过数字签章的有效性认证；如果业务信息中支付金额的总额不等于数字签章中包含的支付总额或业务信息中支付令的数量不等于该数字签章中包含的支付令总数，则业务信息未通过数字签章的有效性认证。此时，业务数据认证单元131向预警模块16发送业务信息未通过数字签章认证的消息，预警模块16接收到业务数据认证单元131发送的业务信息未通过数字签章认证的消息时，中止电子支付流程并发送业务信息未通过数字签章认证的预警信息，例如：预警模块16接收到业务信息认证模块13发送的业务信息未通过数字签章认证的消息时，禁止业务信息认证模块13向授权支付认证单元132或支付模块14发送支付指令数据包的相应信息，并以邮件、短信、传真等方式将密码不正确的预警信息发送到预设的相关地址或号码对应的终端上。The business data authentication unit 131 is used for counting the total amount of payment of each payment order and the quantity of the payment order in the business information, the total amount of the payment amount of each payment order in the business information obtained by the decryption unit 112 and the total amount of the payment order read by the reading unit 122. When the total amount of payment contained in the digital signature is consistent, and the number of payment orders in the business information is consistent with the total number of payment orders contained in the digital signature, the business information passes the verification of the validity of the digital signature; if the payment amount in the business information If the total amount of payment is not equal to the total amount of payment contained in the digital signature or the number of payment orders in the business information is not equal to the total number of payment orders contained in the digital signature, the business information has not passed the validity verification of the digital signature. At this time, the service data authentication unit 131 sends a message that the service information has not passed the digital signature authentication to the early warning module 16. When the early warning module 16 receives the message that the service information sent by the service data authentication unit 131 has not passed the digital signature authentication, the electronic payment process and send the early warning information that the business information has not passed the digital signature authentication, for example: when the early warning module 16 receives the message that the business information sent by the business information authentication module 13 has not passed the digital signature authentication, the business information authentication module 13 is forbidden to authorize The payment authentication unit 132 or the payment module 14 sends the corresponding information of the payment instruction packet, and sends the early warning information of incorrect password to the terminal corresponding to the preset relevant address or number by mail, short message, fax, etc.

授权支付认证单元132用于在业务信息中的支付令包含有预算单位信息时，根据预先存储的有效的预算单位信息，认证支付令包含的预算单位信息的有效性。有效的预算单位信息可预先存储在安全信息数据库15中。授权支付认证单元132根据安全信息数据库15存储的有效的预算单位信息，分别验证支付令中包含的预算单位信息是否有效。例如：安全信息数据库15存储的有效的预算单位信息可为：有效预算单位的名称、与该有效预算单位相应的有效账号、账户总额、允许支付金额等信息，授权支付认证单元132根据安全信息数据库15存储的有效的预算单位信息，分别验证支付令包含的预算单位名称是否已注册、预算单位的账号是否正确、需支付的金额是否在账户总额范围内并在允许支付金额范围内等预算单位信息。如果支付令包含的预算单位信息通过认证时，该支付令通过授权认证，向支付模块发送相应的业务信息；如果支付令包含的预算单位信息与安全信息数据库15存储的相应的有效的预算单位信息不对应时，该支付令未通过授权支付认证，此时，授权支付认证单元132向预警模块16发送支付令未通过授权支付认证的消息，预警模块16接收到授权支付认证单元132发送的支付令未通过授权支付认证的消息时，中止电子支付流程并发送支付令未通过授权支付认证的消息的预警信息，例如：预警模块16接收到授权支付认证单元132发送的支付令未通过授权支付认证的消息时，禁止授权支付认证单元132向支付模块14发送支付指令数据包的相应信息，并以邮件、短信、传真等方式将支付令未通过授权支付认证的消息发送到预设的相关地址或号码对应的终端上。The authorized payment verification unit 132 is used to verify the validity of the budget unit information included in the payment order according to the pre-stored valid budget unit information when the payment order in the business information includes budget unit information. Valid budget unit information can be stored in the security information database 15 in advance. The authorized payment verification unit 132 respectively verifies whether the budget unit information included in the payment order is valid according to the valid budget unit information stored in the security information database 15 . For example: the valid budget unit information stored in the security information database 15 can be: the name of the valid budget unit, the valid account number corresponding to the valid budget unit, the total amount of the account, the allowed payment amount and other information, and the authorized payment authentication unit 132 is based on the security information database. 15 Stored valid budget unit information, respectively verifying whether the name of the budget unit included in the payment order has been registered, whether the account number of the budget unit is correct, whether the amount to be paid is within the range of the total amount of the account and within the range of the allowable payment amount, etc. . If the budget unit information contained in the payment order passes the authentication, the payment order passes the authorization authentication and sends corresponding business information to the payment module; if the budget unit information contained in the payment order is the same as the corresponding effective budget unit information stored in the security information database 15 When it does not correspond, the payment order has not passed the authorized payment authentication. At this time, the authorized payment authentication unit 132 sends a message that the payment order has not passed the authorized payment authentication to the early warning module 16, and the early warning module 16 receives the payment order issued by the authorized payment authentication unit 132. When the message of the authorized payment authentication is not passed, the electronic payment process is suspended and the early warning information of the message that the payment order fails to pass the authorized payment authentication is sent, for example: the early warning module 16 receives the payment order sent by the authorized payment authentication unit 132. When receiving a message, the authorization payment authentication unit 132 is prohibited from sending the corresponding information of the payment instruction packet to the payment module 14, and the message that the payment order has not passed the authorization payment authentication is sent to the preset relevant address or number by mail, short message, fax, etc. on the corresponding terminal.

本实施例在实现本发明电子支付系统第一实施例的技术效果的基础上，还通过设立支付令发送模块、安全信息数据库和预警模块，使得本实施例解密模块、数字签章认证模块和业务信息认证模块可根据安全信息数据库上存储的安全信息分别相应的解密或认证，在解密模块、数字签章认证模块、业务信息认证模块和支付模块在电子支付流程中出现的异常情况，可通过预警模块实现电子支付并发出相应的预警，电子支付的安全性和可靠性得以进一步提高，便于对电子支付流程进行有效监控等。In this embodiment, on the basis of realizing the technical effect of the first embodiment of the electronic payment system of the present invention, the decryption module, the digital signature authentication module and the business The information authentication module can decrypt or authenticate correspondingly according to the security information stored in the security information database, and the abnormal situation in the decryption module, digital signature authentication module, business information authentication module and payment module in the electronic payment process can be detected through early warning The module realizes electronic payment and issues corresponding warnings, which further improves the security and reliability of electronic payment, and facilitates effective monitoring of the electronic payment process.

图3为本发明电子支付系统第三实施例结构示意图。本实施例与本发明电子支付系统第二实施例的区别在于，还包括与预警模块16通信的至少一个终端。本实施例示出了包括三个终端的情形，即包括第一终端181、第二终端182和第三终端183。Fig. 3 is a schematic structural diagram of the third embodiment of the electronic payment system of the present invention. The difference between this embodiment and the second embodiment of the electronic payment system of the present invention is that it further includes at least one terminal communicating with the early warning module 16 . This embodiment shows a situation including three terminals, that is, a first terminal 181 , a second terminal 182 and a third terminal 183 .

预警模块16包括触发单元161、处理单元162和撤销单元163。The early warning module 16 includes a trigger unit 161 , a processing unit 162 and a revocation unit 163 .

触发单元161可对解密模块、数字签章认证模块、业务信息认证模块和支付模块的电子支付处理流程进行监控，用于在电子支付过程出现异常情况时，中断电子支付流程并生成预警信号；该异常情况可包括支付指令数据包接收失败、支付指令数据包解密失败、数字签章合法性认证失败、业务信息有效性认证失败或向收款方支付相应金额失败等。The trigger unit 161 can monitor the electronic payment processing flow of the decryption module, the digital signature authentication module, the business information authentication module and the payment module, and is used to interrupt the electronic payment flow and generate an early warning signal when an abnormal situation occurs in the electronic payment process; Abnormal situations may include failure to receive the payment instruction data packet, failure to decrypt the payment instruction data packet, failure to verify the validity of the digital signature, failure to verify the validity of business information, or failure to pay the corresponding amount to the payee.

处理单元162用于根据触发单元161发送的预警信号生成相应的预警消息；将该预警消息发送给第一终端181并启动预警定时器；在预警定时器超时时，将预警消息发送给第二终端182并重新启动预警定时器；和/或在预警定时器再次超时时，记录该预警信号对应的异常情况，并以预设的时间间隔重复向第三终端183发送该预警消息。The processing unit 162 is used to generate a corresponding early warning message according to the early warning signal sent by the trigger unit 161; send the early warning message to the first terminal 181 and start the early warning timer; when the early warning timer expires, send the early warning message to the second terminal 182 and restart the early warning timer; and/or when the early warning timer times out again, record the abnormal situation corresponding to the early warning signal, and repeatedly send the early warning message to the third terminal 183 at a preset time interval.

撤销单元163用于在接收到预警撤销指示时，恢复或终止电子支付流程。该预警撤销指示可为在对相应的异常情况进行处理后，系统下发的预警撤销指示，如果异常情况排除，可在相应的中断点恢复电子支付流程；如果异常情况导致电子支付流程无法继续执行，则终止电子支付流程。The revocation unit 163 is configured to resume or terminate the electronic payment process when receiving the warning revocation instruction. The early warning revocation instruction can be an early warning revocation instruction issued by the system after the corresponding abnormal situation is processed. If the abnormal situation is eliminated, the electronic payment process can be resumed at the corresponding interruption point; if the abnormal situation makes the electronic payment process unable to continue , the electronic payment process is terminated.

在上述技术方案的基础上，处理单元162还可用于在解密模块的接收解密单元成功存储支付指令数据包时，生成相应的业务处理提示消息，将该业务处理提示消息发送给第一终端181、第二终端182或第三终端183。该业务处理提示消息可用于提示相应终端对该电子支付业务及时进行处理。On the basis of the above technical solution, the processing unit 162 can also be used to generate a corresponding business processing prompt message when the receiving decryption unit of the decryption module successfully stores the payment instruction data packet, and send the business processing prompt message to the first terminal 181, The second terminal 182 or the third terminal 183 . The service processing prompt message may be used to prompt the corresponding terminal to process the electronic payment service in a timely manner.

在实际系统架构中，与预警模块16通信的终端的数量可根据电子支付安全性的需求进行选择。如果将预警分为多个等级，与预警模块16通信的终端的数量可与预警等级相对应。对于国库集中支付或其他对电子支付的安全性和可靠性要求很高的应用实例，可将预警分为多个等级(如分为三个等级)，与预警模块16通信的终端的数量可与预警等级相对应(如三个终端)，每个终端可对应着不同等级的业务人员，如第一终端181对应一级主管的联系终端；第二终端182对应二级主管的联系终端；第三终端183对应三级主管的联系终端等，使得预警在一定时间未得到有效撤销时，可逐级向上级主管通报，有利于及时提示相关人员及时处理异常情形，提高电子支付的安全性和可靠性。In an actual system architecture, the number of terminals communicating with the early warning module 16 can be selected according to the security requirements of electronic payment. If the early warning is divided into multiple levels, the number of terminals communicating with the early warning module 16 may correspond to the early warning level. For the centralized payment of the treasury or other application examples that require high security and reliability of electronic payment, the early warning can be divided into multiple levels (such as being divided into three levels), and the number of terminals communicating with the early warning module 16 can be compared with Corresponding (as three terminals) of early warning level, each terminal can correspond to the business personnel of different grades, as first terminal 181 corresponds to the contact terminal of the first-level supervisor; the second terminal 182 corresponds to the contact terminal of the second-level supervisor; Terminal 183 corresponds to the contact terminal of the third-level supervisor, so that when the warning is not effectively canceled within a certain period of time, it can be notified to the superior supervisor level by level, which is conducive to prompting relevant personnel to deal with abnormal situations in a timely manner, and improving the security and reliability of electronic payment .

本实施例在实现本发明电子支付系统第二实施例的技术效果的基础上，通过触发单元在电子支付过程中出现异常情况时，及时中断电子支付流程并发出预警信号，由处理单元根据预警信号生成相应的预警信息逐层发送给第一终端、第二终端和第三终端，在预警撤销时，可恢复或终止电子支付流程，有利于提高业务的安全性和可靠性；进一步的，在系统接收到支付指令数据包并进行存储时(如将支付指令数据包调入专门设置的数据库，等待处理)，可生成相应的业务处理提示消息，从而有利于保证业务处理的及时性。电子支付系统，在与预警模块通信的终端为手机时对应的一种电子支付系统结构。如图4所示，本实施例中，第一手机181a、第二手机182a和第三手机183a分别对应为本发明第一终端、第二终端和第三终端。预警模块16通过无线通信网络与第一手机181a、第二手机182a和第三手机183a进行短消息通信。In this embodiment, on the basis of realizing the technical effect of the second embodiment of the electronic payment system of the present invention, when an abnormal situation occurs in the electronic payment process through the trigger unit, the electronic payment process is interrupted in time and an early warning signal is issued, and the processing unit according to the early warning signal The corresponding early warning information is generated and sent to the first terminal, the second terminal and the third terminal layer by layer. When the early warning is cancelled, the electronic payment process can be resumed or terminated, which is conducive to improving the security and reliability of the business; further, in the system When the payment instruction data packet is received and stored (for example, the payment instruction data packet is transferred to a specially set database and waits for processing), a corresponding business processing prompt message can be generated, thereby helping to ensure the timeliness of business processing. The electronic payment system is a corresponding electronic payment system structure when the terminal communicating with the early warning module is a mobile phone. As shown in FIG. 4, in this embodiment, the first mobile phone 181a, the second mobile phone 182a and the third mobile phone 183a respectively correspond to the first terminal, the second terminal and the third terminal of the present invention. The early warning module 16 performs short message communication with the first mobile phone 181a, the second mobile phone 182a and the third mobile phone 183a through the wireless communication network.

预警模块16中处理单元162进一步可包括：短消息生成子单元1621a、第一短消息发送子单元1622a、第二短消息发送子单元1623a、第三短消息发送子单元1624a和第一停止转发子单元1625a。The processing unit 162 in the early warning module 16 can further include: a short message generating subunit 1621a, a first short message sending subunit 1622a, a second short message sending subunit 1623a, a third short message sending subunit 1624a and the first stop forwarding subunit Unit 1625a.

短消息生成子单元1621a用于根据触发单元161发送的预警信号生成相应的预警短消息，将预警短消息发送给第一短消息发送子单元1622a。The short message generating subunit 1621a is configured to generate a corresponding early warning short message according to the early warning signal sent by the trigger unit 161, and send the early warning short message to the first short message sending subunit 1622a.

第一短消息发送子单元1622a用于将短消息生成子单元1621a发送的预警短消息发送给第一手机181a，等待第一手机181a响应，并启动预警定时器，如果在预警定时器超时之前接收到第一手机181a的响应短消息时，激活第一停止转发单元1625a，否则激活第二短消息发送子单元1622a。The first short message sending subunit 1622a is used for sending the early warning short message sent by the short message generation subunit 1621a to the first mobile phone 181a, waiting for the first mobile phone 181a to respond, and starting the early warning timer. When a response short message is received from the first mobile phone 181a, the first stop forwarding unit 1625a is activated, otherwise the second short message sending subunit 1622a is activated.

第二短消息发送子单元1623a用于在第一短消息发送子单元1622a激活下，将预警短消息发送给第二手机182a，等待第一手机182a响应，并重新启动预警定时器，如果在预警定时器超时之前接收到第二手机182a的响应短消息，激活第一停止转发单元1625a，否则激活第三短消息发送子单元1624a。The second short message sending subunit 1623a is used to send the early warning short message to the second mobile phone 182a under the activation of the first short message sending subunit 1622a, wait for the first mobile phone 182a to respond, and restart the early warning timer. If a response short message from the second mobile phone 182a is received before the timer expires, the first stop-forwarding unit 1625a is activated; otherwise, the third short message sending subunit 1624a is activated.

第三短消息发送子单元1624a用于在第二短消息发送子单元1623a的激活下，以预设的时间间隔重复向第三手机183a发送所述预警短消息，在接收到第三手机183a发送的响应短消息时，激活第一停止转发单元1625a。The third short message sending subunit 1624a is used to repeatedly send the warning short message to the third mobile phone 183a at preset time intervals under the activation of the second short message sending subunit 1623a. When responding to the short message, activate the first stop forwarding unit 1625a.

第一停止转发单元1625a用于在第一短消息发送子单元1622a、第二短消息发送子单元1623a或第三短消息发送子单元1624a的激活下，关闭预警定时器，并停止转发预警短消息。The first stop forwarding unit 1625a is used to close the warning timer and stop forwarding the warning short message under the activation of the first short message sending subunit 1622a, the second short message sending subunit 1623a or the third short message sending subunit 1624a .

本实施例在实现本发明电子支付系统第三实施例的技术效果的基础上，通过预警模块与手机短消息方式发送预警短消息或业务提示短消息，有利于建立自动提示机制和逐层上报预警机制，形式非常灵活，有利于提高电子支付的及时性、安全性和可靠性。In this embodiment, on the basis of realizing the technical effect of the third embodiment of the electronic payment system of the present invention, an early warning short message or a business reminder short message is sent through the early warning module and the mobile phone short message, which is conducive to establishing an automatic prompt mechanism and reporting early warning layer by layer The mechanism is very flexible in form, which is conducive to improving the timeliness, security and reliability of electronic payment.

图5为本发明电子支付系统第五实施例结构示意图。本实施例为本发明电子支付系统，在与预警模块通信的终端为手机时对应的另一电子支付系统结构，其中预警模块与手机进行呼叫通信。如图5所示，本实施例中，第一手机181b、第二手机182b和第三手机183b分别对应为本发明第一终端、第二终端和第三终端。预警模块16通过无线通信网络与第一手机181b、第二手机182b和第三手机183b进行短消息通信。Fig. 5 is a schematic structural diagram of the fifth embodiment of the electronic payment system of the present invention. This embodiment is another electronic payment system structure corresponding to the electronic payment system of the present invention when the terminal communicating with the early warning module is a mobile phone, wherein the early warning module communicates with the mobile phone. As shown in FIG. 5 , in this embodiment, the first mobile phone 181b, the second mobile phone 182b and the third mobile phone 183b respectively correspond to the first terminal, the second terminal and the third terminal of the present invention. The early warning module 16 performs short message communication with the first mobile phone 181b, the second mobile phone 182b and the third mobile phone 183b through the wireless communication network.

预警模块16中处理单元162进一步可包括：所述处理单元包括预警语音生成子单元1621b、第一呼叫子单元1622b、第二呼叫子单元1623b和第三呼叫子单元1624b。The processing unit 162 in the early warning module 16 may further include: the processing unit includes a warning voice generating subunit 1621b, a first calling subunit 1622b, a second calling subunit 1623b and a third calling subunit 1624b.

预警语音生成子单元1621b用于根据触发单元161发送的预警信号生成相应的预警语音，将预警语音发送给第一呼叫子单元1622b。The warning voice generating subunit 1621b is configured to generate a corresponding warning voice according to the warning signal sent by the trigger unit 161, and send the warning voice to the first calling subunit 1622b.

第一呼叫子单元1622b用于呼叫第一手机181b，在与第一手机181b建立通话时，播放预警语音；如果第一手机181b未响应(如无人接听、无法接通等)，激活第二呼叫子单元1623b。The first call subunit 1622b is used to call the first mobile phone 181b, and when establishing a call with the first mobile phone 181b, an early warning voice is played; Call subunit 1623b.

第二呼叫子单元1623b用于在第一呼叫子单元1622b激活下，呼叫第二手机182b，在与第二手机182b建立通话时，播放预警语音；如果第二手机182b未响应，激活第三呼叫子单元1624b。The second call subunit 1623b is used to call the second mobile phone 182b under the activation of the first call subunit 1622b, and when establishing a call with the second mobile phone 182b, play a warning voice; if the second mobile phone 182b does not respond, activate the third call Subunit 1624b.

第三呼叫子单元1624b用于在第二呼叫子单元1623b激活下，呼叫第三手机183b，在与第三手机183b建立通话时，播放预警语音；如果第三手机未响应183b，以预设的时间间隔重复呼叫第三手机183b。The third calling subunit 1624b is used to call the third mobile phone 183b under the activation of the second calling subunit 1623b, and when establishing a call with the third mobile phone 183b, play an early warning voice; if the third mobile phone does not respond to the 183b, the preset The third mobile phone 183b is repeatedly called at time intervals.

本实施例在实现本发明电子支付系统第三实施例的技术效果的基础上，通过预警模块与手机呼叫方式进行通信，在预警模块与相应手机建立通话连接时，发送预警语音或业务提示语音，有利于建立自动提示机制和逐层上报预警机制，形式非常灵活，有利于提高电子支付的及时性、安全性和可靠性。In this embodiment, on the basis of realizing the technical effect of the third embodiment of the electronic payment system of the present invention, the early warning module communicates with the mobile phone call mode, and when the early warning module establishes a call connection with the corresponding mobile phone, an early warning voice or a business prompt voice is sent. It is conducive to the establishment of an automatic reminder mechanism and a layer-by-layer reporting and early warning mechanism. The form is very flexible, and it is conducive to improving the timeliness, safety and reliability of electronic payment.

图6为本发明电子支付系统第六实施例结构示意图。本实施例为本发明电子支付系统，在与预警模块通信的终端为计算机时对应的电子支付系统结构，其中预警模块与计算机通过互连网进行通信。如图6所示，本实施例中，第一计算机181c、第二计算机182c和第三计算机183c分别对应为本发明第一终端、第二终端和第三终端。预警模块16通过互连网与第一计算机181c、第二计算机182c和第三计算机183c进行通信。Fig. 6 is a schematic structural diagram of the sixth embodiment of the electronic payment system of the present invention. This embodiment is the electronic payment system of the present invention, and the corresponding electronic payment system structure when the terminal communicating with the early warning module is a computer, wherein the early warning module communicates with the computer through the Internet. As shown in FIG. 6, in this embodiment, the first computer 181c, the second computer 182c, and the third computer 183c correspond to the first terminal, the second terminal, and the third terminal of the present invention, respectively. The early warning module 16 communicates with the first computer 181c, the second computer 182c and the third computer 183c through the Internet.

预警模块16中处理单元162进一步可包括：预警邮件生成子单元1621c、第一邮件发送子单元1622c、第二邮件发送子单元1623c、第三邮件发送子单元1624c和第二停止转发单元1625c。The processing unit 162 in the early warning module 16 may further include: a warning email generating subunit 1621c, a first email sending subunit 1622c, a second email sending subunit 1623c, a third email sending subunit 1624c and a second stop forwarding unit 1625c.

预警邮件生成子单元1621c用于根据触发单元161发送的预警信号生成相应的预警邮件，将预警邮件发送给第一邮件发送子单元1622c。The warning email generation subunit 1621c is configured to generate a corresponding warning email according to the warning signal sent by the trigger unit 161, and send the warning email to the first email sending subunit 1622c.

第一邮件发送子单元1622c用于将预警邮件发送给第一计算机181c，等待第一计算机181c响应，并启动预警定时器，如果在预警定时器超时之前接收到第一计算机181c的已读响应消息时，激活第二停止转发单元1625c，否则激活第二邮件发送子单元1623c。The first mail sending subunit 1622c is used to send the warning mail to the first computer 181c, wait for the first computer 181c to respond, and start the warning timer, if the read response message of the first computer 181c is received before the warning timer expires , activate the second stop forwarding unit 1625c, otherwise activate the second mail sending subunit 1623c.

第二邮件发送子单元1623c用于在第一邮件发送子单元1622c激活下，将预警短消息发送给第二计算机182c，等待第二计算机182c响应，并重新启动预警定时器，如果在预警定时器超时之前接收到第二计算机182c的已读响应消息时，激活第二停止转发单元1625c，否则激活第三邮件发送子单元1624c。The second mail sending subunit 1623c is used to send the early warning short message to the second computer 182c under the activation of the first mail sending subunit 1622c, wait for the second computer 182c to respond, and restart the early warning timer, if in the early warning timer When the read response message from the second computer 182c is received before the timeout, the second stop-forwarding unit 1625c is activated; otherwise, the third mail sending subunit 1624c is activated.

第三邮件发送子单元1624c用于在第二邮件发送子单元1623c的激活下，以预设的时间间隔重复向第三计算机183c发送所述预警邮件，在接收到第三计算机183c发送的已读响应消息时，激活第二停止转发单元1625c。The third mail sending subunit 1624c is used to repeatedly send the warning mail to the third computer 183c at preset time intervals under the activation of the second mail sending subunit 1623c. In response to the message, activate the second stop-forwarding unit 1625c.

第二停止转发单元1625c用于在第一邮件发送子单元1622c、第二邮件发送子单元1623c或第三邮件发送子单元1624c的激活下，关闭预警定时器，并停止转发预警邮件。The second stop forwarding unit 1625c is configured to close the warning timer and stop forwarding the warning email under the activation of the first mail sending subunit 1622c, the second mail sending subunit 1623c or the third mail sending subunit 1624c.

本实施例在实现本发明电子支付系统第三实施例的技术效果的基础上，预警模块通过互联网与计算机进行预警消息的通信，发送预警邮件或业务提示邮件，有利于建立自动提示机制和逐层上报预警机制，形式非常灵活，有利于提高电子支付的及时性、安全性和可靠性。In this embodiment, on the basis of realizing the technical effect of the third embodiment of the electronic payment system of the present invention, the early warning module communicates the early warning message with the computer through the Internet, and sends early warning emails or business reminder emails, which is conducive to the establishment of automatic reminder mechanisms and layer-by-layer The report and early warning mechanism is very flexible, which is conducive to improving the timeliness, security and reliability of electronic payment.

图7为本发明电子支付方法第一实施例流程图。该实施例的运行场景可参见本发明电子支付系统第一实施例的结构示意图。如图7所示，本实施例在电子支付系统运行中，包括以下步骤：Fig. 7 is a flow chart of the first embodiment of the electronic payment method of the present invention. For the operating scenario of this embodiment, refer to the schematic structural diagram of the first embodiment of the electronic payment system of the present invention. As shown in Figure 7, the present embodiment includes the following steps in the operation of the electronic payment system:

步骤71、解密模块对接收的支付指令数据包进行解密，获取该支付指令数据包包括的数字签章和业务信息；Step 71, the decryption module decrypts the received payment instruction data packet, and obtains the digital signature and business information included in the payment instruction data packet;

步骤72、数字签章认证模块认证数字签章的合法性，在该数字签章通过合法性认证时，读取该数字签章的支付指令信息；Step 72. The digital signature authentication module authenticates the legality of the digital signature, and reads the payment instruction information of the digital signature when the digital signature passes the legality authentication;

步骤73、业务信息认证模块根据数字签章的支付指令信息认证业务信息的有效性，在该业务信息通过有效性认证时，根据业务信息向收款方支付相应金额。Step 73: The business information authentication module verifies the validity of the business information according to the payment instruction information of the digital signature, and pays the payee a corresponding amount according to the business information when the business information passes the validity verification.

本实施例通过对接收的支付指令数据包进行解密，并对支付指令数据包包括的数字签章进行合法性认证以及对支付指令数据包包括的业务信息进行有效性认证后，再根据业务信息向收款方支付相应金额，从而实现财政拨款的电子支付，减少财政拨款支付中对纸件的依赖性，明显减少了人工差错，提高了财政拨款支付的效率；同时，在电子支付流程中有效保证了支付的安全性和可靠性，便于对电子支付流程进行有效监控等。In this embodiment, after decrypting the received payment instruction data packet, and performing legality authentication on the digital signature included in the payment instruction data packet and validating the business information included in the payment instruction data packet, the payment instruction data packet is then sent to the The payee pays the corresponding amount, so as to realize the electronic payment of financial appropriation, reduce the dependence on paper in the financial appropriation payment, significantly reduce manual errors, and improve the efficiency of financial appropriation payment; at the same time, it effectively guarantees in the electronic payment process It ensures the security and reliability of the payment, and facilitates the effective monitoring of the electronic payment process.

图8为本发明电子支付方法第二实施例流程图。该实施例的运行场景可参见本发明电子支付系统第二实施例的结构示意图。如图8所示，本实施例包括：Fig. 8 is a flow chart of the second embodiment of the electronic payment method of the present invention. For the operating scenario of this embodiment, refer to the schematic structural diagram of the second embodiment of the electronic payment system of the present invention. As shown in Figure 8, this embodiment includes:

步骤81、支付指令发送模块加密封装支付指令数据包并发送，该支付指令数据包包括数字签章和业务信息。Step 81: The payment instruction sending module encrypts and encapsulates the payment instruction data packet and sends it. The payment instruction data packet includes a digital signature and business information.

步骤82、解密模块接收支付指令数据包并对该支付指令数据包进行解密，如果接收或解密成功执行步骤83，如果接收或解密不成功执行步骤810。Step 82, the decryption module receives the payment instruction data packet and decrypts the payment instruction data packet, if the reception or decryption is successful, execute step 83, and if the reception or decryption is unsuccessful, execute step 810.

在封装支付指令数据包时，支付指令发送模块设置的密码可与解密模块解密支付指令数据包解密时采用的密码相同或相应，即：封装支付指令数据包时设置的加密密码与解密该支付指令数据包时所需的解密密码相同，或存在着加密密码与解密密码之间的对应关系。或者，在支付指令发送模块采用加密算法封装支付指令数据包时，解密模块可采用相同的算法进行该支付指令数据包的解密处理。该支付指令发送模块下发的指令数据包可包括数字签章和业务信息。业务信息可包括支付令、支付金额、预算单位信息、收款人等信息。其中，设置的支付指令数据包的密码或解密算法可预先存储在安全信息数据库中，在解密模块对接收的支付指令数据包可调用安全信息数据库中的密码或解密算法信息，对该支付指令数据包进行相应的解密处理等。When encapsulating the payment instruction data packet, the password set by the payment instruction sending module can be the same as or corresponding to the password used by the decryption module to decrypt the payment instruction data packet, that is: the encryption password set when encapsulating the payment instruction data packet is the same as that used to decrypt the payment instruction The decryption passwords required for the data packets are the same, or there is a corresponding relationship between the encryption passwords and the decryption passwords. Alternatively, when the payment instruction sending module uses an encryption algorithm to encapsulate the payment instruction data packet, the decryption module may use the same algorithm to decrypt the payment instruction data packet. The instruction data package issued by the payment instruction sending module may include digital signature and business information. Business information may include payment order, payment amount, budget unit information, payee and other information. Wherein, the password or decryption algorithm of the set payment instruction data packet can be pre-stored in the security information database, and the password or decryption algorithm information in the security information database can be called in the decryption module for the payment instruction data packet received, and the payment instruction data Packets are decrypted accordingly.

步骤83、解密模块获取支付指令数据包包括的数字签章和业务信息，将该数字签章发送给数字签章认证模块进行认证，并将业务信息发送给业务信息认证模块进行认证。Step 83: The decryption module obtains the digital signature and business information included in the payment instruction data packet, sends the digital signature to the digital signature authentication module for authentication, and sends the business information to the business information authentication module for authentication.

步骤84、数字签章认证模块对数字签章进行认证，如果认证成功执行步骤85；如果认证不成功执行步骤810。Step 84, the digital signature authentication module authenticates the digital signature, if the authentication is successful, execute step 85; if the authentication is unsuccessful, execute step 810.

在数字签章认证模块对数字签章进行认证时，可根据电子支付系统预先设置的密钥或其他安全信息进行认证，其中，进行数字签章认证的密钥或其他安全信息，可预先存储在电子支付系统的安全信息数据库中，在数字签章认证模块可调用安全信息数据库相应的密钥或其他安全信息对数字签章的合法性进行认证。When the digital signature authentication module authenticates the digital signature, it can be authenticated according to the key or other security information preset by the electronic payment system, wherein the key or other security information for digital signature authentication can be pre-stored in In the security information database of the electronic payment system, the digital signature authentication module can call the corresponding key or other security information of the security information database to authenticate the legitimacy of the digital signature.

步骤85、数字签章认证模块读取数字签章的支付指令信息。Step 85, the digital signature authentication module reads the payment instruction information of the digital signature.

在数字签章通过数字签章认证模块的合法性的认证时，可读取数字签章中包含的支付指令信息。该支付指令信息可包括：支付总额、支付令总数和其他相应信息等。When the digital signature passes the legality authentication of the digital signature authentication module, the payment instruction information contained in the digital signature can be read. The payment instruction information may include: the total amount of payment, the total number of payment orders, and other corresponding information.

步骤86、业务信息认证模块根据通过认证的数字签章的支付指令信息，对业务数据进行数字签章的有效性认证，如果业务数据通过数字签章的有效性认证，执行步骤87；否则执行步骤810。Step 86, the business information authentication module performs digital signature verification on the business data according to the payment instruction information of the certified digital signature, and if the business data passes the digital signature verification, execute step 87; otherwise, execute step 86. 810.

本步骤中，业务信息中包括至少一条支付令，每条支付令包括支付金额和收款方信息。此时，可根据数字签章的支付指令信息认证业务数据的有效性，例如：业务信息认证模块统计业务信息中各支付令的支付金额的总额和支付令的数量，如果业务信息中统计得出的各支付令的支付金额的总额与数字签章中包含的支付总额相符，并且业务信息中支付令的数量与数字签章中包含的支付令总数相符时，则业务信息通过所述数字签章的有效性认证；否则，该业务信息未通过数字签章的有效性认证。In this step, the business information includes at least one payment order, and each payment order includes payment amount and payee information. At this time, the validity of the business data can be authenticated according to the payment instruction information of the digital signature. For example: the business information authentication module counts the total payment amount of each payment order and the number of payment orders in the business information. When the total payment amount of each payment order in the business information is consistent with the total payment amount contained in the digital signature, and the number of payment orders in the business information is consistent with the total number of payment orders contained in the digital signature, the business information is passed through the digital signature. otherwise, the business information has not passed the validity verification of the digital signature.

步骤87、业务信息认证模块判断业务信息中的每条支付令中是否包含预算单位信息，如果业务信息中的支付令包含有预算单位信息，则执行步骤88；否则执行步骤89。Step 87, the business information authentication module judges whether each payment order in the business information contains budget unit information, and if the payment order in the business information contains budget unit information, execute step 88; otherwise, execute step 89.

业务信息中包括至少一条支付令，每条支付令包括支付金额和收款方信息。对于国库集中支付的应用实例，当一条支付令中未包含预算单位信息时，该指令可对应者国库集中直接支付指令；当一条支付令中有包含预算单位信息时，该指令可对应者国库集中授权支付指令，由授权支付认证模块对包含有预算单位信息的支付令进行逐条认证支付令的有效性。The business information includes at least one payment order, and each payment order includes payment amount and payee information. For the application example of central treasury payment, when a payment order does not contain budget unit information, the instruction can correspond to the treasury centralized direct payment instruction; when a payment order contains budget unit information, the instruction can correspond to treasury concentration For the authorized payment instruction, the authorized payment authentication module verifies the validity of the payment order containing the information of the budget unit one by one.

步骤88、业务信息认证模块认证支付令包含的预算单位信息的有效性，如果支付令包含的预算单位信息通过有效性认证，执行步骤89；否则执行步骤810。Step 88: The business information authentication module verifies the validity of the budget unit information included in the payment order, and if the budget unit information included in the payment order passes the validity verification, go to step 89; otherwise, go to step 810.

业务信息认证模块可根据预先存储的有效的预算单位信息，认证支付令包含的预算单位信息的有效性。其中，有效的预算单位信息可预先存储在电子支付系统的安全信息数据库中，业务信息认证模块可调用安全信息数据库中的有效的预算单位信息对支付令中包含的预算单位信息的有效性进行认证。例如：如果安全信息数据库中存储的有效的预算单位信息可为：有效预算单位的名称、与该有效预算单位相应的有效账号、账户总额、允许支付金额等信息，授权支付认证单元可根据安全信息数据库存储的有效的预算单位信息，分别验证支付令包含的预算单位名称是否已注册、预算单位的账号是否正确、需支付的金额是否在账户总额范围内并在允许支付金额范围内等预算单位信息。如果支付令包含的预算单位信息通过认证时，该支付令通过授权认证，向支付模块发送相应的业务信息；如果支付令包含的预算单位信息与安全信息数据库存储的相应的有效的预算单位信息不对应时，将支付令有效性认证失败的消息上报给预警模块。The business information verification module can verify the validity of the budget unit information contained in the payment order according to the pre-stored valid budget unit information. Among them, valid budget unit information can be pre-stored in the security information database of the electronic payment system, and the business information authentication module can call the valid budget unit information in the security information database to authenticate the validity of the budget unit information contained in the payment order . For example: if the effective budget unit information stored in the security information database can be: the name of the effective budget unit, the valid account number corresponding to the effective budget unit, the total amount of the account, the allowable payment amount and other information, the authorized payment authentication unit can base on the security information Valid budget unit information stored in the database, respectively verifying whether the name of the budget unit included in the payment order has been registered, whether the account number of the budget unit is correct, whether the amount to be paid is within the range of the total amount of the account and within the range of the allowable payment amount, etc. . If the budget unit information contained in the payment order passes the authentication, the payment order passes the authorization authentication and sends the corresponding business information to the payment module; if the budget unit information contained in the payment order is different from the corresponding effective budget unit information stored in the security information database When corresponding, report the message that the verification of the validity of the payment order fails to the early warning module.

步骤89、支付模块根据业务信息向收款人支付相应金额，如果电子支付成功，执行步骤811；否则执行步骤810。Step 89, the payment module pays the payee a corresponding amount according to the business information, if the electronic payment is successful, go to step 811; otherwise go to step 810.

对于在支付令中包含预算单位信息的授权支付时，在支付模块根据业务信息向收款人支付相应金额后，存储在安全信息数据库中的有效的预算单位信息会进行相应的更新保存，例如：在支付模块成功支付收款人相应金额后，存储在安全信息数据库中的有效的预算单位信息中会扣除相等金额等。For the authorized payment that includes the budget unit information in the payment order, after the payment module pays the payee the corresponding amount according to the business information, the effective budget unit information stored in the security information database will be updated and saved accordingly, for example: After the payment module successfully pays the corresponding amount to the payee, the equivalent amount will be deducted from the valid budget unit information stored in the security information database.

步骤810、电子支付流程异常，预警模块中止电子支付流程并发送相应的预警消息，执行步骤811。Step 810, the electronic payment process is abnormal, the early warning module stops the electronic payment process and sends a corresponding early warning message, and executes step 811.

在电子支付流程中，在支付指令数据包解密失败、数字签章合法性认证失败、业务信息有效性认证失败或向收款方支付相应金额失败时等出现电子支付异常情况，预警模块可中止电子支付流程并发送相应的预警消息。在业务数据认证过程中，如果业务信息中支付金额的总额不等于数字签章中包含的支付总额或业务信息中支付令的数量不等于该数字签章中包含的支付令总数，则业务信息未通过数字签章的有效性认证，此时，业务信息认证模块向预警模块发送业务信息未通过数字签章认证的消息，预警模块接收到业务信息认证模块发送的业务信息未通过数字签章认证的消息时，中止电子支付流程并发送业务信息未通过数字签章认证的预警信息。类似的，对于数字签章合法性认证失败、支付令有效性认证失败或支付模块未能向收款方成功支付相应金额时，可通过预警模块发出相应的预警信息，电子支付异常情况排除后，可恢复电子支付流程的中断，重新或接续电子支付的流程。In the electronic payment process, when there is an abnormal situation in the electronic payment such as failure to decrypt the payment instruction data packet, failure to verify the legality of the digital signature, failure to verify the validity of the business information, or failure to pay the corresponding amount to the payee, the early warning module can suspend the electronic payment process. Payment process and send corresponding warning message. During the business data authentication process, if the total amount of payment in the business information is not equal to the total payment amount contained in the digital signature or the number of payment orders in the business information is not equal to the total number of payment orders contained in the digital signature, the business information is not Through the validity authentication of the digital signature, at this time, the business information authentication module sends a message to the early warning module that the business information has not passed the digital signature authentication, and the early warning module receives the business information sent by the business information authentication module that has not passed the digital signature authentication. When receiving a message, the electronic payment process is suspended and an early warning message is sent that the business information has not passed the digital signature authentication. Similarly, when the legality verification of the digital signature fails, the verification of the validity of the payment order fails, or the payment module fails to pay the corresponding amount to the payee, the corresponding warning information can be sent through the warning module. After the abnormal situation of electronic payment is eliminated, The interruption of the electronic payment process can be resumed, and the electronic payment process can be restarted or continued.

步骤811、结束电子支付流程。Step 811, end the electronic payment process.

在电子支付系统实际运行中，对电子支付异常情况进行预警情形的条件设置可非常灵活，例如：对预算单位的授权支付的金额以及每天支付的次数进行监控，如果支付令中包含的预算单位信息不符合安全信息数据库存储的有效的预算单位信息的要求时，都可由预警模块发出相应的预警信息；支付令超过有效期时，也可由预警模块发出相应的预警信息等。In the actual operation of the electronic payment system, the conditions for early warning of electronic payment abnormalities can be very flexible, for example: to monitor the amount authorized by the budgetary unit and the number of daily payments, if the budgetary unit information contained in the payment order If it does not meet the requirements of effective budget unit information stored in the security information database, the early warning module can issue corresponding early warning information; when the payment order exceeds the validity period, the early warning module can also issue corresponding early warning information, etc.

本实施例在实现本发明电子支付方法第一实施例的技术效果的基础上，解密模块、数字签章认证模块和业务信息认证模块还可根据安全信息数据库上存储的安全信息分别相应的解密或认证，在解密模块、数字签章认证模块、业务信息认证模块和支付模块在电子支付流程中出现的异常情况，可通过预警模块实现电子支付并发出相应的预警，使得电子支付的安全性和可靠性得以进一步提高，便于对电子支付流程进行有效监控等。In this embodiment, on the basis of realizing the technical effect of the first embodiment of the electronic payment method of the present invention, the decryption module, the digital signature authentication module and the business information authentication module can also decrypt or Authentication, in the case of abnormalities in the electronic payment process of the decryption module, digital signature authentication module, business information authentication module and payment module, electronic payment can be realized through the early warning module and corresponding early warnings can be issued, making electronic payment safe and reliable The performance can be further improved, which is convenient for effective monitoring of the electronic payment process.

图9为本发明电子支付方法第三实施例流程图。本实施例可为本发明电子支付方法中预警消息的生成和处理流程。该实施例的运行场景可参见本发明电子支付系统第三实施例的结构示意图。如图9所示，本实施例包括：Fig. 9 is a flow chart of the third embodiment of the electronic payment method of the present invention. This embodiment can be the generation and processing flow of the warning message in the electronic payment method of the present invention. For the operating scenario of this embodiment, refer to the schematic structural diagram of the third embodiment of the electronic payment system of the present invention. As shown in Figure 9, this embodiment includes:

步骤91、触发单元在电子支付过程出现异常情况时，中断电子支付流程，生成预警信号；该异常情况可包括支付指令数据包接收失败、支付指令数据包解密失败、数字签章合法性认证失败、业务信息有效性认证失败或向收款方支付相应金额失败等。Step 91: When an abnormal situation occurs in the electronic payment process, the trigger unit interrupts the electronic payment process and generates an early warning signal; the abnormal situation may include failure to receive the payment instruction data packet, failure to decrypt the payment instruction data packet, failure to verify the validity of the digital signature, Failure to verify the validity of business information or failure to pay the corresponding amount to the payee, etc.

步骤92、处理单元根据预警信号生成预警消息。该预警信息可为预警短消息、预警语音、预警邮件、预警传真等类型。Step 92, the processing unit generates an early warning message according to the early warning signal. The early warning information can be early warning short message, early warning voice, early warning email, early warning fax and other types.

步骤93、处理单元将预警消息发送给第一终端并启动预警定时器。Step 93, the processing unit sends the warning message to the first terminal and starts the warning timer.

步骤94、处理单元在预警定时器超时时，将预警消息发送给第二终端并重新启动预警定时器。In step 94, the processing unit sends an early warning message to the second terminal and restarts the early warning timer when the early warning timer expires.

步骤95、处理单元在预警定时器再次超时时，记录异常情况，并以预设的时间间隔重复向第三终端发送预警消息。Step 95, the processing unit records the abnormal situation when the warning timer times out again, and repeatedly sends the warning message to the third terminal at a preset time interval.

步骤96、撤销单元在接收到预警撤销指示时，恢复或终止电子支付流程。Step 96: The revocation unit resumes or terminates the electronic payment process when receiving the early warning revocation instruction.

本实施例在实现本发明电子支付方法第二实施例的技术效果的基础上，通过触发单元在电子支付过程中出现异常情况时，及时中断电子支付流程并发出预警信号，由处理单元根据预警信号生成相应的预警信息逐层发送给第一终端、第二终端和第三终端，在预警撤销时，可恢复或终止电子支付流程，有利于提高业务的安全性和可靠性；进一步的，在系统接收到支付指令数据包并进行存储时，可生成相应的业务处理提示消息，从而有利于保证业务处理的及时性。In this embodiment, on the basis of realizing the technical effect of the second embodiment of the electronic payment method of the present invention, when an abnormal situation occurs in the electronic payment process through the trigger unit, the electronic payment process is interrupted in time and an early warning signal is issued, and the processing unit according to the early warning signal The corresponding early warning information is generated and sent to the first terminal, the second terminal and the third terminal layer by layer. When the early warning is cancelled, the electronic payment process can be resumed or terminated, which is conducive to improving the security and reliability of the business; further, in the system When the payment instruction data packet is received and stored, a corresponding business processing prompt message can be generated, thereby helping to ensure the timeliness of business processing.

图10为本发明电子支付方法第四实施例流程图。本实施例即为对预警信号的处理流程。该实施例的运行场景可参见本发明电子支付系统第四实施例的结构示意图。如图10所示，本实施例包括：Fig. 10 is a flow chart of the fourth embodiment of the electronic payment method of the present invention. This embodiment is the processing flow of the early warning signal. For the operating scenario of this embodiment, refer to the schematic structural diagram of the fourth embodiment of the electronic payment system of the present invention. As shown in Figure 10, this embodiment includes:

步骤101、触发单元在电子支付过程出现异常情况时，中断电子支付流程，生成预警信号；该异常情况可包括支付指令数据包接收失败、支付指令数据包解密失败、数字签章合法性认证失败、业务信息有效性认证失败或向收款方支付相应金额失败等。Step 101, the triggering unit interrupts the electronic payment process and generates an early warning signal when an abnormal situation occurs in the electronic payment process; the abnormal situation may include failure to receive the payment instruction data packet, failure to decrypt the payment instruction data packet, failure to verify the legality of the digital signature, Failure to verify the validity of business information or failure to pay the corresponding amount to the payee, etc.

步骤102、短消息生成子单元根据预警信号生成相应的预警短消息。Step 102, the short message generating subunit generates a corresponding early warning short message according to the early warning signal.

步骤103、第一短消息发送子单元将预警短消息发送给第一手机，等待第一手机的响应，并启动预警定时器。Step 103, the first short message sending subunit sends the early warning short message to the first mobile phone, waits for a response from the first mobile phone, and starts the early warning timer.

步骤104、预警定时器超时，第一短消息发送子单元判断是否接收到第一手机的响应短消息，如果接收到第一手机的响应短消息，执行步骤108，否则执行步骤105。Step 104, when the early warning timer expires, the first short message sending subunit judges whether a response short message from the first mobile phone has been received, if a response short message from the first mobile phone is received, go to step 108, otherwise go to step 105.

步骤105、第二短消息发送子单元将预警短消息发送给第二手机，等待第二手机的响应，并重新启动预警定时器。Step 105, the second short message sending subunit sends the early warning short message to the second mobile phone, waits for a response from the second mobile phone, and restarts the early warning timer.

步骤106、预警定时器超时，第二短消息发送子单元判断是否接收到第一手机的响应短消息，如果接收到第一手机的响应短消息，执行步骤108，否则执行步骤107。Step 106, when the warning timer expires, the second short message sending subunit judges whether it has received the response short message from the first mobile phone, if it receives the response short message from the first mobile phone, execute step 108, otherwise execute step 107.

步骤107、第三短消息发送子单元以预设的时间间隔重复向第三手机发送所述预警短消息，直至接收到所述第三手机发送的响应短消息时，执行步骤108。Step 107: The third short message sending subunit repeatedly sends the warning short message to the third mobile phone at preset time intervals until receiving a response short message sent by the third mobile phone, then execute step 108.

步骤108、第一停止转发单元使第一短消息发送子单元、第二短消息发送子单元和第三短消息发送子单元停止转发预警短消息。Step 108, the first stop forwarding unit makes the first short message sending subunit, the second short message sending subunit and the third short message sending subunit stop forwarding the warning short message.

本实施例在实现本发明电子支付方法第三实施例的技术效果的基础上，通过预警模块与手机短消息方式发送预警短消息或业务提示短消息，有利于建立自动提示机制和逐层上报预警机制，形式非常灵活，有利于提高电子支付的及时性、安全性和可靠性。In this embodiment, on the basis of realizing the technical effect of the third embodiment of the electronic payment method of the present invention, an early warning short message or a business reminder short message is sent through the early warning module and the mobile phone short message, which is conducive to establishing an automatic prompt mechanism and reporting early warning layer by layer The mechanism is very flexible in form, which is conducive to improving the timeliness, security and reliability of electronic payment.

图11为本发明电子支付方法第五实施例流程图。本实施例即为对预警信号的另一处理流程。该实施例的运行场景可参见本发明电子支付系统第五实施例的结构示意图。如图11所示，本实施例包括：Fig. 11 is a flow chart of the fifth embodiment of the electronic payment method of the present invention. This embodiment is another processing flow for the early warning signal. For the operation scenario of this embodiment, please refer to the schematic structural diagram of the fifth embodiment of the electronic payment system of the present invention. As shown in Figure 11, this embodiment includes:

步骤111、触发单元在电子支付过程出现异常情况时，中断电子支付流程，生成预警信号。Step 111, the triggering unit interrupts the electronic payment process and generates an early warning signal when an abnormal situation occurs in the electronic payment process.

步骤112、预警语音生成子单元根据预警信号生成相应的预警语音；该预警语音可为用于提示电子支付流程中异常情况的语音片断等。Step 112, the warning voice generating subunit generates a corresponding warning voice according to the warning signal; the warning voice can be a voice segment for prompting abnormal conditions in the electronic payment process, etc.

步骤113、第一呼叫子单元呼叫第一手机；Step 113, the first calling subunit calls the first mobile phone;

步骤114、第一呼叫子单元与第一手机是否建立通话，是则执行步骤1110；如果第一手机未响应，则执行步骤115。Step 114, whether the first calling subunit establishes a call with the first mobile phone, if yes, execute step 1110; if the first mobile phone does not respond, execute step 115.

步骤115、第二呼叫子单元呼叫第二手机；Step 115, the second calling subunit calls the second mobile phone;

步骤116、第二呼叫子单元与第二手机是否建立通话，是则执行步骤1110；如果第二手机未响应，则执行步骤117。Step 116, whether the second calling subunit establishes a call with the second mobile phone, if yes, execute step 1110; if the second mobile phone does not respond, execute step 117.

步骤117、第三呼叫子单元呼叫第三手机；Step 117, the third calling subunit calls the third mobile phone;

步骤118、第三呼叫子单元与第三手机是否建立通话，是则执行步骤1110；否则执行步骤119。Step 118, whether the third calling subunit establishes a call with the third mobile phone, if yes, execute step 1110; otherwise, execute step 119.

步骤119、第三呼叫子单元以预设的时间间隔重复呼叫第三手机，执行步骤118。Step 119 , the third calling subunit repeatedly calls the third mobile phone at a preset time interval, and executes step 118 .

步骤1110、向第一手机、第二手机或第三手机播放预警语音。Step 1110, play the warning voice to the first mobile phone, the second mobile phone or the third mobile phone.

本实施例在实现本发明电子支付方法第三实施例的技术效果的基础上，通过预警模块与手机呼叫方式进行通信，在预警模块与相应手机建立通话连接时，发送预警语音或业务提示语音，有利于建立自动提示机制和逐层上报预警机制，形式非常灵活，有利于提高电子支付的及时性、安全性和可靠性。In this embodiment, on the basis of realizing the technical effect of the third embodiment of the electronic payment method of the present invention, the early warning module communicates with the mobile phone call mode, and when the early warning module establishes a call connection with the corresponding mobile phone, an early warning voice or a business prompt voice is sent. It is conducive to the establishment of an automatic reminder mechanism and a layer-by-layer reporting and early warning mechanism. The form is very flexible, and it is conducive to improving the timeliness, safety and reliability of electronic payment.

图12为本发明电子支付方法第六实施例流程图。本实施例即为对预警信号的再一处理流程。该实施例的运行场景可参见本发明电子支付系统第六实施例的结构示意图。如图12所示，本实施例包括：Fig. 12 is a flow chart of the sixth embodiment of the electronic payment method of the present invention. This embodiment is yet another processing flow for the early warning signal. For the operation scenario of this embodiment, please refer to the schematic structural diagram of the sixth embodiment of the electronic payment system of the present invention. As shown in Figure 12, this embodiment includes:

步骤121、触发单元在电子支付过程出现异常情况时，中断电子支付流程，生成预警信号。Step 121, the triggering unit interrupts the electronic payment process and generates an early warning signal when an abnormal situation occurs in the electronic payment process.

步骤122、预警邮件生成子单元根据预警信号生成相应的预警邮件；Step 122, the early warning email generating subunit generates corresponding early warning emails according to the early warning signal;

步骤123、第一邮件发送子单元将预警邮件发送给第一计算机，等待第一计算机响应，并启动预警定时器；Step 123, the first mail sending subunit sends the warning mail to the first computer, waits for the first computer to respond, and starts the warning timer;

步骤124、预警定时器超时，第一邮件发送子单元判断是否接收到第一计算机的已读响应消息，如果接收到第一计算机的已读响应消息，执行步骤128，否则执行步骤125。Step 124, the warning timer expires, the first mail sending subunit judges whether it has received the read response message from the first computer, if it receives the read response message from the first computer, execute step 128, otherwise execute step 125.

步骤125、第二邮件发送子单元将预警邮件发送给第二计算机，等待第二计算机响应，并重新启动预警定时器。Step 125, the second mail sending subunit sends the warning mail to the second computer, waits for the second computer to respond, and restarts the warning timer.

步骤126、预警定时器超时，第二邮件发送子单元判断是否接收到第二计算机的已读响应消息，如果接收到第二计算机的已读响应消息，执行步骤128，否则执行步骤127。Step 126, when the warning timer expires, the second mail sending subunit judges whether it has received a read response message from the second computer, if it receives a read response message from the second computer, execute step 128, otherwise execute step 127.

步骤127、第三邮件发送子单元以预设的时间间隔重复向第三计算机发送预警邮件，直至接收到第三计算机发送的已读响应消息时，执行步骤128。Step 127, the third email sending subunit repeatedly sends the warning email to the third computer at preset time intervals, until the read response message sent by the third computer is received, then step 128 is executed.

步骤128、第二停止转发单元使第一邮件发送子单元、第二邮件发送子单元和第三邮件发送子单元停止转发预警邮件。Step 128, the second stop forwarding unit makes the first mail sending subunit, the second mail sending subunit and the third mail sending subunit stop forwarding the warning mail.

本实施例在实现本发明电子支付系统第三实施例的技术效果的基础上，预警模块通过互联网与计算机进行预警消息的通信，发送预警邮件或业务提示邮件，有利于建立自动提示机制和逐层上报预警机制，形式非常灵活，有利于提高电子支付的及时性、安全性和可靠性。In this embodiment, on the basis of realizing the technical effect of the third embodiment of the electronic payment system of the present invention, the early warning module communicates the early warning message with the computer through the Internet, and sends early warning emails or business reminder emails, which is conducive to the establishment of automatic reminder mechanisms and layer-by-layer The report and early warning mechanism is very flexible, which is conducive to improving the timeliness, security and reliability of electronic payment.

本发明电子支付系统和方法可应用到财政拨款的电子支付中，还可应用到其他对电子支付领域或对安全性、可靠性等性能要求高的电子支付领域中，其实现电子支付的系统和流程与上述实施例相似，不再赘述。The electronic payment system and method of the present invention can be applied to the electronic payment of financial appropriations, and can also be applied to other electronic payment fields or electronic payment fields that require high performance such as safety and reliability. The system and method for realizing electronic payment The process is similar to the above embodiment, and will not be repeated here.

本领域普通技术人员可以理解：附图只是一个优选实施例的示意图，附图中的模块或流程并不一定是实施本发明所必须的。Those skilled in the art can understand that the accompanying drawing is only a schematic diagram of a preferred embodiment, and the modules or processes in the accompanying drawing are not necessarily necessary for implementing the present invention.

本领域普通技术人员可以理解：实施例中的装置中的模块可以按照实施例描述分布于实施例的装置中，也可以进行相应变化位于不同于本实施例的一个或多个装置中。上述实施例的模块可以合并为一个模块，也可以进一步拆分成多个子模块。Those of ordinary skill in the art can understand that: the modules in the device in the embodiment may be distributed in the device in the embodiment according to the description in the embodiment, or may be changed and located in one or more devices different from the embodiment. The modules in the above embodiments can be combined into one module, and can also be further split into multiple sub-modules.

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。The serial numbers of the above embodiments of the present invention are for description only, and do not represent the advantages and disadvantages of the embodiments.

本领域普通技术人员可以理解：实现上述方法实施例的全部或部分步骤可以通过程序指令相关的硬件来完成，前述的程序可以存储于一计算机可读取存储介质中，该程序在执行时，执行包括上述方法实施例的步骤；而前述的存储介质包括：ROM、RAM、磁碟或者光盘等各种可以存储程序代码的介质。Those of ordinary skill in the art can understand that all or part of the steps for realizing the above-mentioned method embodiments can be completed by hardware related to program instructions, and the aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the It includes the steps of the above method embodiments; and the aforementioned storage medium includes: ROM, RAM, magnetic disk or optical disk and other various media that can store program codes.

最后应说明的是：以上实施例仅用以说明本发明的技术方案，而非对其限制；尽管参照前述实施例对本发明进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本发明实施例技术方案的精神和范围。Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: it can still be Modifications are made to the technical solutions described in the foregoing embodiments, or equivalent replacements are made to some of the technical features; these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.