Shulou(Shulou.com)06/03 Report--

This article mainly explains "what are the types of personal payment interfaces". The content of the explanation is simple and clear, and it is easy to learn and understand. let's follow the editor's train of thought. Let's study and learn what types of personal payment interfaces there are!

Let's start with the listening class:

I. the approved amount

For Alipay at the Android end, the notification bar will pop up to receive XX yuan after receipt, so you will have the ability to callback by monitoring the notification bar through technical means, judging Alipay notification and obtaining amount information. For example, I need to pay to read an article, price 1 yuan, put a 1 yuan QR code on it, customers scan the code to pay, I pay for payment, then tell the website that the payment has been received, and then the website shows the full text to the customer.

However, if multiple users pay for the same article at the same time, it will be troublesome, because it is the same amount, but can not distinguish between users, it will be a bad thing, to mess up. But rest assured, at this time, I have to admire the way that some bosses come up with the idea that if multiple users pay at the same time, then the QR codes of different amounts will be displayed, such as An is 1, B is 0.99 and C is 0.98.

However, although the demand for collection has been solved, it is unable to meet more demand, and only stays at the level that can be collected. The disadvantages are also quite obvious: 1. Only Alipay can use this way, because Wechat has a prompt in the form of an official account internally. two。 Because it is distinguished by the amount, so long in advance to upload N QR codes, if I set a price is fine, but if there are different prices, my God, can not imagine the number of QR codes that need to be uploaded. 3. If you need to change the price, it will also be a huge project, delete the original QR code and upload the new QR code. 4. Fixed amount, that is to say, it needs to be uploaded in advance and cannot be easily priced, mainly because of the number of QR codes. 5. Security issues. How to put it, if it is open source or write it yourself, if you use someone else's, you don't know if you only listen to the notification bar? 6. You need a cell phone to turn on 24 hours a day to do this. 7. Network delay, no matter how close your phone is to WiFi and how good the router signal is, you always have network delay.

In the final analysis, it is because there is no native callback interface. There are so many providers of this kind that it's okay to have one of your own, and there should be open source on github. The cost of collecting money in this way is very low, and most of the products on the market are based on this principle. Representative to do a lot: 1.xxxx: although also said to support Wechat, but requires the user to upload a collection code, the customer to enter the amount, this experience is very poor. 2.xxxx: it's exactly the same. It makes no difference. 3.xxxx: it's exactly the same. It makes no difference. 4.xxxxx: it's exactly the same. I don't want to enumerate it. It makes no difference.

2. Mobile hook

Mobile Android platform is a relatively open platform. Almost all the software we run can customize its behavior by means of low-level programming hook. Functions such as anti-withdrawal of Wechat messages, cheating by rolling dice, automatically grabbing red packets, and the balance of Alipay & custom loading and other functions are all realized through hook framework technology programming, such as xposed, virtualxposed and so on. Similarly, the collection QR codes of Wechat and Alipay are automatically generated, including the detection of successful payment messages, which can also be programmed by means of hook. The general process is as follows: the user initiates the payment request for the order, and then the mobile hook software detects the payment request and gets the amount and platform (Wechat or Alipay) information. Call the relevant software, inject the relevant QR code generation behavior, ok, the relevant amount of the QR code is generated successfully, and then displayed to the user. After the user pays successfully, similarly, both Wechat and Alipay will detect the relevant payment success information. Mobile hook software can also be detected. Then make a callback. Then it is the business system that handles the process logic. This way is much better than the way to distinguish the amount, at least it does not need to upload a large number of QR codes, but also supports the payment of any amount, and can support Alipay and Wechat at the same time, relatively speaking, concurrent payment is a little higher than through the amount. Of course, the shortcomings are too obvious: 1. Need root system, install a bunch of frameworks, modify the system. (we all know that solving a problem may lead to more potential bug.) The risk coefficient is high. Because hook software can monitor the behavior of Alipay and Wechat, even password information, think for yourself. 3. Risk control. In this way, the probability of being risk controlled by Alipay and Wechat is very high, don't think they don't know. 4. It's illegal. Yes, I read it right. If you have more than seven or eight years of Internet experience, you should know about the coral polyps in that year. Therefore, this nature is more serious than the coral polyp incident, because it involves financial security. Think for yourself. There are also many representatives in this way: 1.xxxx 2.xxxx 3. There are all kinds of products are the same, do not list one by one.

Let's talk about the Erqing class.

Erqing, also known as secondary settlement, secondary liquidation and so on. What is it? Search it by yourself. I only want to say one thing here. Erqing is often inseparable from the capital pool. What does the capital pool mean? Mixed Internet users should know that some time ago, P2P and other thunderstorms, capital pool means to run away at any time. As long as it is not the company that pays the license and eventually comes to your account, it is Erqing. Almost everything that needs users to withdraw cash manually is Erqing, of course, some users do not need to manually withdraw cash also belong to Erqing, specific or according to the specific analysis of the problem. Let's not talk about the risk of Erqing, which has always been a key crackdown by the central bank. Interested friends can check more about the seriousness of Erqing. In 18 years, pinduoduo was suspected of being involved in Erqing, and even almost dragged down Ping an Bank. Learn more about yourself.

Regular channel class

Is there a product that can meet the payment and collection needs of individuals at the same time? Can also support relatively high concurrency, low latency, capital security risk-free, while not requiring enterprise qualifications, with a very low cost to get efficient returns.

To open an account, only need: 1 ID card 2 corresponding bank card (settlement) 3 corresponding real-name authentication Wechat 10 minutes to open an account, with a formal personal available merchant number and key. Of course, the advantages are obvious at the same time, the disadvantages are also obvious: 1 does not support APP jump, but can use H5 payment interface instead, 2 is Alipay is immediate to the account, Wechat is T1 to the account.

Thank you for your reading. the above is the content of "what are the types of personal payment interfaces". After the study of this article, I believe you have a deeper understanding of the types of personal payment interfaces. Specific use also needs to be verified by practice. Here is, the editor will push for you more related knowledge points of the article, welcome to follow!

Welcome to subscribe "Shulou Technology Information " to get latest news, interesting things and hot topics in the IT industry, and controls the hottest and latest Internet news, technology news and IT industry trends.