CN101079132A - On-line payment system and method and on-line payment client terminal - Google Patents
On-line payment system and method and on-line payment client terminal Download PDFInfo
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- CN101079132A CN101079132A CNA2006100810752A CN200610081075A CN101079132A CN 101079132 A CN101079132 A CN 101079132A CN A2006100810752 A CNA2006100810752 A CN A2006100810752A CN 200610081075 A CN200610081075 A CN 200610081075A CN 101079132 A CN101079132 A CN 101079132A
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Abstract
The invention discloses a payment system on the internet, which comprises the following parts: a payment client on the internet, a real-time communication server and a payment son system, wherein the payment client on the internet is used to make the payment request inputted by the users and the needed payment element corresponding the payment request into the real-time message form and transferring to the real-time communication server; the real-time communication server is used to transfer the payment request issued by the payment client on the internet based on the real-time message form and the needed payment element information corresponding the payment request to the payment son system; the payment son system is used to proceed with the payment process for the user' s payment request according to the payment request transferred by the real-time communication server and the needed payment element corresponding the payment request. The invention also discloses a payment client on the internet and a payment method on the internet. The invention increases the payment method of the finance payment based on the communication internet, which provides the convenience of the payment for the users.
Description
Technical field
The present invention relates to technology and instant messaging that system Network Based realizes automatic financial payment, especially relate to a kind of on-line payment system and method thereof, reach the on-line payment client.
Background technology
Be accompanied by the increasingly mature of automatic financial payment technology, various types of financial payment forms are applied by people in daily life gradually.For example Mobile banking's technology, Unionpay's POS system technology and Web bank, online shopping mall's technology or the like, related to the every field such as traffic, the tax, finance and security in people's daily life, these by communications network system realize automatic fee, the payment technology of transferring accounts automatically is providing a great convenience property of daily life and agility.
Present instant messaging also provides a kind of intercourse platform of quick colleges and universities for people simultaneously, makes each online user to realize instant interacting message fast, the fabulous communication mode that has enriched people's communications by the internet.And each manufacturer has not only realized instant communication function on the instant messaging product of releasing voluntarily now, also many additional function mechanism have been increased for the instant messaging product, as on instant communication products, being provided with information consulting service function, public information inquiry service function and weather forecast service function or the like, make the user when carrying out instant messaging, can also enjoy many additional function mechanism that the instant messaging product is brought, better enrich the dirigibility that people use JICQ.
Although existing instant messaging product has attached many additional functions, well satisfied people's use dirigibility, but correlation technique does not propose subsidiary financial payment function on instant communication products at present, so that the user is when carrying out instant messaging, or directly utilize the internet to finish the payment processes of various financial expenses by the instant messaging Product Interface, thereby make instant communication users can more conveniently realize online financial payment efficiently, so that at present the automatic financial payment technology that range of application is all comparatively general and the instant messaging automatic payment transaction that can preferably be combined into people provides better convenience.
Summary of the invention
The present invention proposes a kind of on-line payment system and method thereof, further to enrich the modes of payments of carrying out financial payment based on communication network, better provides convenience in payment for the user.
Accordingly, the invention allows for a kind of on-line payment client.
For addressing the above problem, the technical scheme that the present invention proposes is as follows:
A kind of on-line payment system comprises online payment client terminal, instant communication server and payment subsystem, wherein:
The on-line payment client is used for sending to instant communication server with the Payment Request of user input and to should the required payment element information of Payment Request being processed into the instant message form;
Instant communication server is used for the Payment Request based on the instant message form that the on-line payment client is sent is reached being transmitted to the payment subsystem by the required payment element information of Payment Request;
The payment subsystem is used for the Payment Request of transmit according to instant communication server and to should the required payment element information of Payment Request, to the processing of paying of user's Payment Request.
Preferably, described on-line payment client specifically comprises:
Secure processing units is used for to the Payment Request of user's input and to encrypting by the required payment element information of Payment Request;
Message processing unit is used for the Payment Request after the secure processing units encryption and to being processed into the instant message form by the required payment element information of Payment Request;
Message sending unit is used for the instant message after the message processing unit processing is sent to instant communication server.
Preferably, described payment subsystem specifically comprises:
The arrearage query unit is used for the Payment Request of transmit according to instant communication server and the user name to should the required payment element information of Payment Request comprising, and inquiry is to subscriber arrearage information that should Payment Request;
The account number cipher authentication unit is used for verifying whether instant communication server is transmitted payment account and payment cipher that the payment element information that comes comprises correct;
The expense deduction unit is used in the checking result of account number cipher authentication unit when correct, according to the arrearage information that the arrearage query unit inquires, the corresponding amount owed of deduction in described payment account;
The unit is eliminated in arrearage, is used for eliminating user's arrearage information state after the deduction amount owed success of expense deduction unit.
Preferably, described payment subsystem specifically also comprises the safety verification unit, is used to verify that instant communication server is transmitted the Payment Request of coming and to should Payment Request required payment element information safety and complete whether.
Preferably, described payment subsystem comprises also that specifically information provides the unit, be used to pay subsystem and pay to generate when handling and be used to point out the user to import the information of relevant payment element information and generate payment processes results suggest information, and the information that generates is transmitted to the on-line payment client by instant communication server.
Preferably, described on-line payment client specifically comprises information parsing display unit, is used for that the payment subsystem is transmitted each information of coming by instant communication server and resolves demonstration.
A kind of on-line payment client comprises the instant messaging unit, is used for sending to instant communication server with the Payment Request of user input and to should the required payment element information of Payment Request being processed into the instant message form.
Preferably, described instant messaging unit specifically comprises:
The Message Processing subelement is used for the Payment Request of user's input and to being processed into the instant message form by the required payment element information of Payment Request;
Message sends subelement, is used for the instant message after the processing of Message Processing subelement is sent to instant communication server.
Preferably, described client also comprises secure processing units, is used for to the Payment Request of user's input and to encrypting by the required payment element information of Payment Request; Described Message Processing subelement after with the secure processing units encryption Payment Request and to being processed into the instant message form by the required payment element information of Payment Request.
Preferably, described client also comprises information parsing display unit, is used for that the payment subsystem is transmitted each information of coming by instant communication server and resolves demonstration.
A kind of on-line payment method comprises step:
The on-line payment client sends to instant communication server with the Payment Request of user input and to should the required payment element information of Payment Request being processed into the instant message form;
The Payment Request based on the instant message form that instant communication server will receive reaches being transmitted to the payment subsystem by the required payment element information of Payment Request;
The Payment Request that the payment subsystem is transmitted according to instant communication server and to should the required payment element information of Payment Request is to the processing of paying of user's Payment Request.
Preferably, described method comprises that also online payment client terminal is to the Payment Request of user input and the step to should the required payment element information of Payment Request encrypting.
Preferably, the payment subsystem specifically comprises user's the Payment Request process of handling of paying:
Payment Request that the payment subsystem is transmitted according to instant communication server and user name to comprising in should the Payment Request required payment element information, inquiry is to subscriber arrearage information that should Payment Request; And
Whether payment account that comprises in the validation of payment element information and payment cipher be correct;
The arrearage information that basis inquired when the payment subsystem was correct in the checking result, the corresponding amount owed of deduction in described payment account; And
After the success of deduction amount owed, eliminate user's arrearage information state.
Preferably, the payment subsystem also comprises specifically that to the pay process handled of user's Payment Request the payment subsystem judges that whether safely and complete step instant communication server transmit the Payment Request of coming and to should Payment Request required payment element information.
Preferably, described method also comprises step:
The generation when paying processing of payment subsystem is used to point out the user to import the information of relevant payment element information and generates payment processes results suggest information; And
The information that generates is sent to instant communication server;
Instant communication server is processed into the instant message form with the information that receives and sends to the on-line payment client;
The on-line payment client is resolved demonstration to the information based on the instant message form that receives.
The beneficial effect that the present invention can reach is as follows:
Technical solution of the present invention is handled based on the on-line payment that instant communication mode carries out financial business by making the user, make the user when carrying out instant messaging, can finish the corresponding online payment processes, thereby, reached the purpose that makes the user carry out convenient and swift on-line payment for instant communication users provides safe and reliable, convenient and swift and rich and varied on-line payment mode.
Description of drawings
Fig. 1 is the main composition structured flowchart of on-line payment system of the present invention;
Fig. 2 is the concrete composition structured flowchart of payment subsystem in the system of the present invention;
Fig. 3 is the concrete composition structured flowchart of on-line payment client in the system of the present invention;
Fig. 4 is the concrete composition structured flowchart of on-line payment client of the present invention;
Fig. 5 is the main realization principle flow chart of on-line payment method of the present invention;
Fig. 6 is for implementing the embodiment processing procedure synoptic diagram that the user pays gas charge according to the present invention program's principle;
Fig. 7 is for implementing to pay the implementation system structural representation of gas charge according to the present invention program's main realization principle;
Fig. 8 is the concrete composition structured flowchart of payment subsystem in paying the embodiment of gas charge;
The pay processing flow chart of business funds registration of the immediate communication platform that Fig. 9 provides by client for instant communication users;
When Figure 10 pays gas charge for the user by immediate communication platform, the interaction process process synoptic diagram between each business unit of payment subsystem backstage.
Embodiment
In order further to enrich the on-line finance means of payment, improve the on-line payment environment, technical solution of the present invention proposes to carry out on-line payment based on immediate communication platform, for the user provides the ability of utilizing the instant messaging program of installing on the communication terminal to carry out the on-line finance payment, thereby better provide convenience in payment for the user.
Be explained in detail to the main realization principle of technical solution of the present invention, embodiment and to the beneficial effect that should be able to reach below in conjunction with each accompanying drawing.
Please refer to Fig. 1, this figure is the main composition structured flowchart of on-line payment system of the present invention, and it mainly comprises online payment client terminal 10, instant communication server 20 and payment subsystem 30, and wherein the main effect of each ingredient is as follows:
On-line payment client 10 is mainly used in the Payment Request of user input and to should the Payment Request required element information of respectively paying and is processed into the instant message form respectively and sends to instant communication server 20; Wherein can realize the function that online payment client terminal 10 is had in payment client terminal by the instant messaging program that has the on-line payment ability is installed, like this user just can by in the instant messaging program of operation, import respectively self required Payment Request and this Payment Request required respectively pay element information etc., wherein pay element information and comprise payment account, payment cipher information or the like, on-line payment client 10 so that with the user by the instant messaging program input of operation Payment Request and respectively pay element information and be processed into the instant message form respectively and send to instant communication server 20.
Please refer to Fig. 2, this figure is the concrete composition structured flowchart of payment subsystem in the system of the present invention, wherein pay subsystem and comprise that specifically unit 350 is eliminated in safety verification unit 310, arrearage query unit 320, account number cipher authentication unit 330, expense deduction unit 340, arrearage and information provides unit 360, wherein the concrete effect of each component units is as follows:
Account number cipher authentication unit 330, be used for verifying instant communication server 20 transmit come whether respectively pay payment account and payment cipher information that element information comprises correct;
Information provides unit 360, being used for paying subsystem 30 processing procedure of paying generates respectively and is used to point out the user to import the information of each relevant payment element information and generates payment processes results suggest information, and each information that will generate respectively is transmitted to on-line payment client 10 by instant communication server 20, user's each information that just can on instant signal procedure interface, be occurred by on-line payment client 10 like this, what input was used for payment processes successively respectively pays element information, as input is used for the payment account information of payment processes and payment cipher information thereof or the like according to information.
Please refer to Fig. 3, this figure is the concrete composition structured flowchart of on-line payment client in the system of the present invention, it mainly comprises information parsing display unit 110, secure processing units 120, message processing unit 130 and message sending unit 140, and wherein the concrete effect of each component units is as follows:
Information is resolved display unit 110, is used for that payment subsystem 30 is transmitted each information of coming by instant communication server 20 and resolves demonstration;
Secure processing units 120 is used for carrying out encryption to the Payment Request of user input and to should the Payment Request required element information (user can import corresponding information according to the information that information is resolved display unit 110) of respectively paying;
Message processing unit 130 is used for the Payment Request after above-mentioned secure processing units 120 encryptions and to being processed into the instant message form respectively by the required element information of respectively paying of Payment Request;
Message sending unit 140 is used for each instant message after above-mentioned message processing unit 130 processing is sent to instant communication server 20.
On-line payment client 10 in the system more preferably of the present invention can but be not limited to the portable hand-held communication terminal, personal computer PC or cable digital TV machine or the like.
On-line payment system corresponding to the above-mentioned proposition of the present invention, a kind of on-line payment client that the present invention has gone back corresponding proposition here, it comprises the instant messaging unit, be used for being processed into the instant message form respectively and sending to instant communication server successively with the Payment Request of user input and to should the Payment Request required element information of respectively paying, be that the present invention's on-line payment client operation here has the instant messaging program, and the instant messaging program of this operation carries the on-line payment ability, the user is when using the instant messaging program like this, the on-line payment ability input corresponding payment request that just can provide by the instant messaging program and to should the Payment Request required element information of respectively paying, the instant messaging program of moving in the on-line payment client then just can and be paid element information with the payment request information of user's input and be processed into the instant message form and send to instant communication server.
Please refer to Fig. 4, this figure is the concrete composition structured flowchart of on-line payment client of the present invention, it mainly comprises information parsing display unit 50, secure processing units 60 and instant messaging unit 70, wherein instant messaging unit 70 comprises again that specifically Message Processing subelement 710 and message send subelement 720, and wherein the concrete effect of each component units is as follows:
Information is resolved display unit 50, be used for that the payment subsystem is transmitted each information of coming by instant communication server and resolve demonstration, the user just can resolve each information that is presented on the instant messaging program interface according to this information parsing display unit 50 and import relevant information like this;
Message sends subelement 720, is used for each instant message after above-mentioned Message Processing subelement 710 processing is sent to instant communication server respectively.
More preferably the on-line payment client that proposes of the present invention can but be not limited to the portable hand-held communication terminal, personal computer PC or cable digital TV machine or the like.
Corresponding to the on-line payment system of the above-mentioned proposition of the present invention, the present invention goes back here and then has proposed a kind of on-line payment method, as shown in Figure 5, is the main realization principle flow chart of on-line payment method of the present invention, and its main implementation procedure is as follows:
Step S10, the on-line payment client is processed into the instant message form respectively and sends to instant communication server with the Payment Request of user input and to should the Payment Request required element information of respectively paying; Wherein more preferably on-line payment client is with the Payment Request of user input and also will be to Payment Request and to carrying out encryption respectively by the required element information of respectively paying of Payment Request before being processed into instant message to should the Payment Request required element information of respectively paying;
The Payment Request based on the instant message form that step S20, instant communication server will receive reaches being transmitted to the payment subsystem respectively by the required element information of respectively paying of Payment Request;
The Payment Request that step S30, payment subsystem transmit according to instant communication server respectively and to should the Payment Request required element information of respectively paying is to the processing of paying of this Payment Request of user; It is as follows to the pay detailed process handled of user's Payment Request wherein to pay subsystem:
1) whether safely and complete the payment subsystem is judged Payment Request that instant communication server is transmitted and is respectively paid element information to should Payment Request required;
2) the payment subsystem is in above-mentioned judged result when be safe and complete, the Payment Request of transmit according to instant communication server and to should the Payment Request required username information that comprises in the element information of respectively paying respectively, inquiry is to subscriber arrearage information that should Payment Request;
3) whether payment account and the payment cipher that comprises in the payment subsystem validation of payment element information be correct;
4) the payment subsystem above-mentioned checking result when correct according to above-mentioned 2) in the arrearage information that inquires, the corresponding amount owed of deduction in the payment account of correspondence; And
5) after the success of deduction amount owed, eliminate user's arrearage information state.
More preferably pay subsystem and be used to point out the user to import the information of relevant payment element information paying to generate when handling, and generate payment processes results suggest information; Payment subsystem and then each information that will generate send to instant communication server respectively; Each information that instant communication server will receive again is processed into the instant message form respectively and sends to the on-line payment client; The on-line payment client is resolved demonstration to each information based on the instant message form that receives respectively, user's each bar information that just can be respectively show in the instant messaging program interface of operation according to the on-line payment client has been imported the corresponding payment element information like this, as input payment account information, and payment cipher information or the like; The user can also see the corresponding payment processing result information in the instant messaging program interface of payment client terminal operation simultaneously.
Below will be at the present invention program's main realization principle, paying gas charge with the user is example, specific implementation process to the present invention program is explained in detail, as shown in Figure 6, for implementing the embodiment processing procedure synoptic diagram that the user pays gas charge according to the present invention program's principle, its specific implementation process is as follows:
1, the instant messaging program of the on-line payment ability that carries that provides by the on-line payment client of user, visit payment subsystem;
2, the payment subsystem is issued to the on-line payment client with the payment services menu, and the on-line payment client will be paid the payment services menu that subsystem issues and resolve demonstration;
3, the user selects 1 expression to select to pay gas charge according to the payment services menu that the on-line payment client shows in instant signal procedure interface;
4, the payment subsystem is inputed the coal gas user name by the instant messaging program interface prompting user of on-line payment client operation;
5, the user is by the coal gas user name of the instant messaging program input self of on-line payment client operation;
6, the payment subsystem is according to the current coal gas arrearage information of the coal gas user name inquiring user of user input, and the arrearage information of the inquiry instant messaging program interface by the operation of on-line payment client is prompted to the user, and whether the prompting user confirms to pay the fees;
7, the user confirms to pay the fees by the instant messaging procedure Selection of on-line payment client operation;
8, the payment subsystem is imported payment account by the instant messaging program interface prompting user of on-line payment client operation;
9, the user is by the payment account of the instant messaging program input self of on-line payment client operation;
10, the payment subsystem is imported payment cipher by the instant messaging program interface prompting user of on-line payment client operation;
11, the user is by the payment cipher of the instant messaging program input self of on-line payment client operation;
12, the payment subsystem is according to the payment account of the above-mentioned current coal gas arrearage information that inquires and user input and payment cipher information etc., the user is carried out the coal gas processing of paying the fees, and the instant messaging program interface of the processing result information of will paying the fees by the operation of on-line payment client is prompted to the user.
As shown in Figure 7, for implement to pay the implementation system structural representation of gas charge according to the present invention program's main realization principle, wherein this implementation system mainly comprises on-line payment client 10, instant communication server 20 and 30 3 parts of payment subsystem that the instant messaging program is installed.Wherein:
On-line payment client 10 is used for receiving user's input information, and communicates with the payment subsystem, to show the process and the result of payment processes to the user; This on-line payment client 10 is electronic equipments that instant communication software has been installed, as being computing machine, televisor, mobile phone and other EMBEDDED AVIONICS etc.; This on-line payment client 10 is built-in with the data security feature entity in addition, be used for guaranteeing confidentiality and security in the data transmission procedure, it matches with the data safe processing unit 304 of payment in the subsystem 30, comes together to realize the bidirectional identity authentication between online payment client terminal and the payment subsystem.
Wherein pay subsystem 30 and dock with instant communication server 20, providing payment services to instant communication users, payment subsystem 30 is except that guaranteeing data security, the complete sum uniqueness, also being a highly extendible service system.Specifically with reference to Fig. 7 and Fig. 8, show the concrete composition structured flowchart of payment subsystem 30 in paying the embodiment of gas charge, wherein access unit 301 is terminal user's the unique session identification of each access generation, and realizes the outside conversion that inserts the source data form to internal data format; Data safe processing unit 304 is for providing several data encryption and decryption means between on-line payment terminal and the payment subsystem, ensure the on-line payment terminal to the communication security between the payment subsystem, and the sensitive information ciphertext format conversion that may exist between each Service Processing Unit in the payment subsystem is provided; Rights management unit 302 maintenance customers and professional corresponding relation, control user's functipnal capability scope; Account unit 303 realizes that the fund between the account flows; Concrete operation flow is realized in BPM unit 307, safeguards the context environmental of corresponding session, and the transactional that guarantees transaction; Concrete business in the payment subsystem is realized in business service unit 308, guarantee the atomicity of single business, and guarantee the state transition business that relates to for each, a corresponding rollback business is provided, call with the realization correlation function for BPM unit 307, and realize the transactional of customer service; Intermediary message crosspoint 305 provides the communication infrastructure platform of efficient unanimity for each business unit, and transmits the message between each unit reliably.
Fig. 9 immediate communication platform of having specifically illustrated instant communication users and providing processing flow chart of business funds registration of paying wherein by client.
When wherein Figure 10 has specifically illustrated the user and has paid gas charge by immediate communication platform, the interaction process process synoptic diagram between each business unit of payment subsystem backstage.
Technical solution of the present invention is based on providing safe and reliable, convenient and swift and rich and varied payment services for instant communication users, make the user just can finish the on-line payment of financial business, reached the purpose that makes the user carry out convenient and swift on-line payment by the instant messaging program of terminal operating.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, if of the present invention these are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the present invention also is intended to comprise these changes and modification interior.
Claims (15)
1, a kind of on-line payment system is characterized in that, comprises online payment client terminal, instant communication server and payment subsystem, wherein:
The on-line payment client is used for sending to instant communication server with the Payment Request of user input and to should the required payment element information of Payment Request being processed into the instant message form;
Instant communication server is used for the Payment Request based on the instant message form that the on-line payment client is sent is reached being transmitted to the payment subsystem by the required payment element information of Payment Request;
The payment subsystem is used for the Payment Request of transmit according to instant communication server and to should the required payment element information of Payment Request, to the processing of paying of user's Payment Request.
2, the system as claimed in claim 1 is characterized in that, described on-line payment client specifically comprises:
Secure processing units is used for to the Payment Request of user's input and to encrypting by the required payment element information of Payment Request;
Message processing unit is used for the Payment Request after the secure processing units encryption and to being processed into the instant message form by the required payment element information of Payment Request;
Message sending unit is used for the instant message after the message processing unit processing is sent to instant communication server.
3, the system as claimed in claim 1 is characterized in that, described payment subsystem specifically comprises:
The arrearage query unit is used for the Payment Request of transmit according to instant communication server and the user name to should the required payment element information of Payment Request comprising, and inquiry is to subscriber arrearage information that should Payment Request;
The account number cipher authentication unit is used for verifying whether instant communication server is transmitted payment account and payment cipher that the payment element information that comes comprises correct;
The expense deduction unit is used in the checking result of account number cipher authentication unit when correct, according to the arrearage information that the arrearage query unit inquires, the corresponding amount owed of deduction in described payment account;
The unit is eliminated in arrearage, is used for eliminating user's arrearage information state after the deduction amount owed success of expense deduction unit.
4, system as claimed in claim 3, it is characterized in that, described payment subsystem specifically also comprises the safety verification unit, is used to verify that instant communication server is transmitted the Payment Request of coming and to should Payment Request required payment element information safety and complete whether.
5, system as claimed in claim 3, it is characterized in that, described payment subsystem comprises also that specifically information provides the unit, be used to pay subsystem and pay to generate when handling and be used to point out the user to import the information of relevant payment element information and generate payment processes results suggest information, and the information that generates is transmitted to the on-line payment client by instant communication server.
6, system as claimed in claim 5 is characterized in that, described on-line payment client specifically comprises information parsing display unit, is used for that the payment subsystem is transmitted each information of coming by instant communication server and resolves demonstration.
7, a kind of on-line payment client is characterized in that, comprises the instant messaging unit, is used for sending to instant communication server with the Payment Request of user input and to should the required payment element information of Payment Request being processed into the instant message form.
8, client as claimed in claim 7 is characterized in that, described instant messaging unit specifically comprises:
The Message Processing subelement is used for the Payment Request of user's input and to being processed into the instant message form by the required payment element information of Payment Request;
Message sends subelement, is used for the instant message after the processing of Message Processing subelement is sent to instant communication server.
9, client as claimed in claim 8 is characterized in that, also comprises secure processing units, is used for to the Payment Request of user's input and to encrypting by the required payment element information of Payment Request;
Described Message Processing subelement after with the secure processing units encryption Payment Request and to being processed into the instant message form by the required payment element information of Payment Request.
10, client as claimed in claim 7 is characterized in that, also comprises information parsing display unit, is used for that the payment subsystem is transmitted each information of coming by instant communication server and resolves demonstration.
11, a kind of on-line payment method is characterized in that, comprises step:
The on-line payment client sends to instant communication server with the Payment Request of user input and to should the required payment element information of Payment Request being processed into the instant message form;
The Payment Request based on the instant message form that instant communication server will receive reaches being transmitted to the payment subsystem by the required payment element information of Payment Request;
The Payment Request that the payment subsystem is transmitted according to instant communication server and to should the required payment element information of Payment Request is to the processing of paying of user's Payment Request.
12, method as claimed in claim 11 is characterized in that, comprises that also online payment client terminal is to the Payment Request of user input and the step to should the required payment element information of Payment Request encrypting.
13, method as claimed in claim 11 is characterized in that, the payment subsystem specifically comprises user's the Payment Request process of handling of paying:
Payment Request that the payment subsystem is transmitted according to instant communication server and user name to comprising in should the Payment Request required payment element information, inquiry is to subscriber arrearage information that should Payment Request; And
Whether payment account that comprises in the validation of payment element information and payment cipher be correct;
The arrearage information that basis inquired when the payment subsystem was correct in the checking result, the corresponding amount owed of deduction in described payment account; And
After the success of deduction amount owed, eliminate user's arrearage information state.
14, method as claimed in claim 13, it is characterized in that the payment subsystem also comprises specifically that to the pay process handled of user's Payment Request the payment subsystem judges that whether safely and complete step instant communication server transmit the Payment Request of coming and to should Payment Request required payment element information.
15, as the described method of 11～14 arbitrary claims, it is characterized in that, also comprise step:
The generation when paying processing of payment subsystem is used to point out the user to import the information of relevant payment element information and generates payment processes results suggest information; And
The information that generates is sent to instant communication server;
Instant communication server is processed into the instant message form with the information that receives and sends to the on-line payment client;
The on-line payment client is resolved demonstration to the information based on the instant message form that receives.
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| CNA2006100810752A CN101079132A (en) | 2006-05-23 | 2006-05-23 | On-line payment system and method and on-line payment client terminal |
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| CNA2006100810752A CN101079132A (en) | 2006-05-23 | 2006-05-23 | On-line payment system and method and on-line payment client terminal |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102546458A (en) * | 2010-12-28 | 2012-07-04 | 中国移动通信集团公司 | Service request method and system in instant messaging |
| CN103106580A (en) * | 2012-12-13 | 2013-05-15 | 江苏乐买到网络科技有限公司 | On-line payment method |
| CN104123636A (en) * | 2013-04-28 | 2014-10-29 | 腾讯科技（深圳）有限公司 | Processing object processing method, system and equipment |
| CN104123637A (en) * | 2013-04-28 | 2014-10-29 | 腾讯科技（深圳）有限公司 | Processing object processing method, system and equipment |
| WO2014176870A1 (en) * | 2013-04-28 | 2014-11-06 | Tencent Technology (Shenzhen) Company Limited | Method and system for processing object to be processed |
| WO2021164500A1 (en) * | 2020-02-18 | 2021-08-26 | 中国银联股份有限公司 | Payment method, payment terminal, cloud subsystem, cloud server, and system |
| US11282080B2 (en) * | 2016-02-04 | 2022-03-22 | Advanced New Technologies Co., Ltd. | Electronic payment service processing |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102546458A (en) * | 2010-12-28 | 2012-07-04 | 中国移动通信集团公司 | Service request method and system in instant messaging |
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